The Foreign & Commonwealth Office (FCO) says that many people deeply regret not take out travel insurance. They think that their accident insurance credit card, home insurance or private health insurance is sufficient. The reality is that you have adequate travel insurance and personal injury or lose valuable possessions financial consequences will be hard to face serious.

The FCO has issued guidelines for what your insurance shouldCoverage in case of emergency or other problems can occur during a vacation.

The real cost when things go wrong. An emergency abroad can be very expensive. If you need to be returned to the United Kingdom could cost thousands of pounds of insurance, unless they are sufficiently

* £ 30-35,000 - air ambulance from the east coast of the United States
* £ 12-16,000 - air ambulance from the Canary Islands
* £ 15-20,000 - scheduled flight, stretcher and Doctor escortfrom Australia

What should my travel insurance?

* Medicine and Health coverage for an injury or sudden illness abroad - More information on medical and health cover
* 24 hours emergency service and assistance
* The personal liability coverage if sued for injuries or property damage
* Lost and stolen covers
* Cancellation and shortening (cut short the journey cover)
* Additional coverage for activities thatare usually excluded from standard policies, such as water skiing.

Policy should be as long as you left.

Your policy may also have:

* Personal Accident Insurance
* Legal Insurance
* Financial protection if your airline fails before or during the trip.

Many insurers cover extended if you ask. If not, look around for a policy specialist.

Common travel insurance policy exclusions

Always checkConditions and exclusions of your policy:

* Most of the measures are not to drink or drug incidents
* You must take reasonable care your possessions or your policy will not be with you.

Travel insurance buying tips

* Store to find a good price and the right product for traveling without a seat
* The cheapest policies typically cover less - it seems that the price is very important, but it's worth the initialsaving?
* consider annual multi-trip insurance if you make several trips a year - you'll save time and money.

Cancelling or cutting a trip short

A good insurance policy will cover you for cancelling or cutting a trip short. Check carefully to see exactly what you're covered for:

* accident
* illness
* pregnancy (unknown when you buy the policy)
* jury service or witness summons
* home emergency: fire, storm or flood, burglary
* Redundancy
* Strike
* Acts of bad weather - the departure of flights and ships.

Make sure your policy:

* Refund the full cost of holiday
* Pay if you cancel or cut short a trip because you fall ill, for example, must
* Includes pre-paid expenses such as excursions
* Extra Cover to return home

And try to book through an agent, organizer with the Association of British Travel Agents (ABTA), Air Travel "Licensing (ATOL) or other credible financial protection organizations.
Personal Insurance

If you accidentally cause injury or damage their property to someone they can act. Good travel insurance for you.
Accident insurance - disability and death

Travel insurance may cover an accident to pay for death or permanent disability.
Cover for theft, loss or damagePossessions

You can normally choose the limits in your policy. Limits for single items such as cameras and jewelry from a minimum of 250 pounds to 1000 pounds or more varied. Check these limits are reasonable and realistic.

You should report a loss to the police within 24 hours. Proof of service is required when making application.

All insurance companies have to say that you look after the things that surround us at all times. If you can not pay policyout.

Tip: Take care of your property, such as whether or not insured.
Lost baggage on flights

Do not rely on compensation from an airline if it loses your luggage.

By law, airlines only have to pay a certain minimum value per kilo of lost luggage. And 'unlikely to cover the full value of your property.
Expenditure

Under a judicial guarantees will help you to pursue compensation or damages for personal injury while you are abroad - veryimportant in countries without a legal aid system.
TEAM - European Health Insurance Card

Get a European Health Insurance Card (TEAM) for the health sector in European countries. Understand what it does and not for you.
Medical Health Insurance

financial security for the holidays

Do not let your stranded abroad without a refund if you leave bankruptcy - to know what protection is available for.
Credit cardProtection

Information on financial security and credit card debt offered to users.

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