Some travel insurance policies will only cover you for travel in the UK and Europe, so if you're planning to go further afield to swim with dolphins or ride the latest rollercoaster in Disneyland, then worldwide cover is the one for you.
Chances are if you're off to a small African country in the midst of a civil war, you won't be covered so check the small print for exclusions. It's also a good idea to check if there are any limitations on the length of time you can be away for, the further you travel, the more likely you are to stay away longer, and some policies may not cover the amount of time you are planning to travel for.
Pre-existing medical conditions
Travel insurance is designed to provide protection for unexpected or unforeseen events. If you have a medical condition and don't declare it to your insurance company, you may find yourself without cover should you fall ill while you are away, as standard travel insurance policies generally exclude pre-existing medical conditions.
The simplest way to avoid this happening is to buy a policy which covers pre-existing medical conditions. You need to tell the insurer about any illness, disease or injury you have now, or have previously had. This can include things such as asthma, diabetes or heart conditions. This kind of policy could cover your medical expenses and the costs of having to fly home (if necessary) should you become ill during your trip.
Cover for the over 65s
More and more of us are using our retirement to travel the world and enjoy new experiences now the drudgery of having to work is behind us. Ironically, even though we are generally living longer and healthier lives, travel insurance costs increase as we get older. This is because older travellers are seen as higher risk, for example more likely to fall ill when away than their younger counterparts.
Age is no barrier to travel however, as many insurance companies offer policies exclusively for the over 65s. They may cost more, but they are also more likely to have higher levels of medical and emergency cover.
Group and Family cover
A cost-effective way of insuring a family travelling together is to buy a family policy. A standard family policy will usually cover two adults and up to four children (aged 18 and under), and includes the usual cancellation, lost luggage and medical expenses cover.
Some policies may have restrictions relating to age and whether the family lives together at the same address, so it's important to read the policy details to make sure the cover is suitable for your family.
Going away with a group of mates to Benidorm on a stag do? Off to Holland on a cycling holiday with your cycling club? Why not consider a group travel insurance policy to keep costs down? Group cover is one policy that covers between two and ten individuals within your group, rather than everyone having to buy their own cover individually.
Remember to take a good look at the benefits and features offered for each insurance policy and pick the one that suits the overall needs of your group. For example, if you're taking sporting equipment with you, make sure the policy will cover the cost of replacing it should it get lost or damaged.