Choosing the right travel insurance is usually a quick process – tick the box, click yes and you are done.  Few people actually take time and consider what is important when choosing travel insurance. 

First of all, a travel insurance policy should cover several important points – medical treatment, personal liability and lost or stolen valuables.  The Consumer’s Association offers a comprehensive list of criteria:

•    Medical treatment up to £2m. 
•    Personal liability coverage up to £1m. 
•    Cover of lost or stolen luggage or valuables up to £1,500
•    Cancelation cover up to £5,000
•    Lost or stolen money cover
•    Emergency helpline

These points are considered basic for good travel insurance.  Any required add-ons would be useful, but always have a good look at the fine print to make sure you have got what you need.  Personal issues such as pregnancy, age and illnesses may require additional insurance.  At the same time, consider where you are going and what are you planning to do – sports and adventures may need additional coverage, and travelling to a country that is considered unsafe may lead to a higher cost of your travel insurance.