Make sure your travel insurance policy covers you sufficiently in a number of key areas.

Health

Certain countries have agreements in place with the UK that allow British tourists to be treated like residents of that country. However, this is not always completely free and health insurance will cover extra costs. Make sure your policy covers you for every eventuality, allowing up to £1 million for European holidays and £2 million for international holidays.

Lost or Stolen Possessions

There is always the risk of losing luggage at airports or having personal items stolen, so it is recommended that cash be covered up to £250 and possessions up to £1500. However, the individual worth of certain items may exceed this amount. In this case, it is necessary for high-value possessions to be insured individually, such as jewellery or electrical equipment.

Personal Liability

This is often something that holidaymakers feel they could do without, but it is essential for unforeseeable events. This will cover you if you are sued for any reason, including being held responsible for damage to your hotel room and causing personal injury to someone else. You should be adequately covered up to £1 million.

Cancellation or Curtailment

The reason for cancellation may be out of your control; for example, unforeseen weather conditions, natural disasters, or maybe unexpected illness. Whether you or your travel agent requested the cancellation, travel insurance will allow you to reclaim the money you paid for the holiday. Ideally, you should be covered up to £5000.