In the News
- Medical and health cover for an injury or sudden illness abroad
- 24 hour emergency service and assistance
- Personal liability cover in case you’re sued for causing injury or damaging property
- Lost and stolen possessions cover
- Cancellation and curtailment (cutting short your trip) cover
- Extra cover for activities that are commonly excluded from standard policies, such as jet skiing.
- The policy should cover the whole time that you’re away.
- Personal accident cover
- Legal expenses cover
- Financial protection if your airline goes bankrupt before or during your trip.
- Accident
- Illness
- Pregnancy (unknown when you buy the policy)
- Jury service or witness summons
- Home emergency: fire, storm or flood, burglary
- Redundancy
- Strikes
- Bad weather – affects the departure of flights & ships.
- Medical expenses
- Emergency evacuation/repatriation
- Overseas funeral expenses
- Accidental death, injury or disablement benefit
- Cancellation
- Curtailment
- Delayed departure
- Loss, theft or damage to personal possessions and money (including travel documents)
- Delayed baggage (and emergency replacement of essential items)
- Legal assistance
- Personal liability and rental car damage excess
- pre-existing medical conditions (e.g. asthma, diabetes)
- high risk sports (e.g. skiing, scuba-diving)
- travel to high risk countries (e.g. due to war or natural disasters or acts of terrorism)
- pre-existing medical conditions
- war or terrorism - but some plans may cover this risk
- pregnancy related expenses
- injury or illness caused by alcohol or drug use
- £30-35,000 - air ambulance from USA’s East coast
- £12-16,000 - air ambulance from the Canary Islands
- £15-20,000 - scheduled flight, stretcher and Doctor escort from Australia
Travel Insurance: checklist

Your travel insurance policy should cover:
Your policy may also have:
Travel Insurance: No trip
The best travel insurance will cover for cancelling or cutting a trip short. Are you covered for:
Travel Insurance Policy
A Travel insurance is an insurance that is intended to cover medical expenses, financial and other losses incurred while traveling, either within one's own country, or internationally.
Travel insurance can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous travel insurance can be purchased from (most often) travel insurance companies, travel agents or directly from travel suppliers such as cruiselines or tour operators.
However, travel insurance purchased from travel suppliers tends to be less inclusive than insurance offered by insurance companies.
Travel insurance often offers coverage for a variety of travelers. Student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are all various options that can be insured.
The most common risks that are covered by travel insurance are:
Some travel insurance policies will also provide cover for additional costs, although these vary widely between insurance providers.
In addition, often separate insurance can be purchased for specific costs such as:
Common Exclusions:
Cost of a Medical Emergency
An emergency abroad can be extremely expensive.

If you need to be returned to the UK it could cost you thousands of pounds, unless you are adequately insured:

Figures supplied by FirstAssist from the Foreign & Commonwealth Office.
Note that the British Embassy or High Commission will not pay for your air ambulance or any other medical expenses..
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