As a general rule, you'll want to make sure your policy insures against medical expenses and cancellation in case you have to cancel your trip unexpectedly, but there are lots of other cover options to choose from.
Medical expenses: Medical costs can quickly become extremely expensive, so it’s really important to make sure the insurance policy you choose covers medical expenses like hospital stays, any treatment or medication you might need, doctors appointments and transport home.
Cancellation or curtailment: This covers travel or accommodation costs you’ll lose out on if you need to cancel or cut your trip short.
Missed departure: If you miss your flight for a reason that’s out of your control, this will cover you for any additional costs, like accommodation or travel.
Baggage cover: This protects you if your baggage doesn’t arrive safely to your destination. Make sure the policy covers the value of everything in your suitcase.
Personal liability cover: If you cause accidental damage to a person or property, this can cover the cost.
Loss of passport: This covers costs that come with losing a passport, like travel and accommodation.
Cash: If any money you have in cash is lost or stolen, this cover will mean you can claim the amount back. To claim, you'll need to file a police report, usually within 24 hours of the incident.
Dental emergencies: This covers dental treatment needed while you're away from home.
Airline failure: If your chosen airline goes out of business, this option will pay you if you can't get a refund.
Winter sports: This gives you cover for winter sports equipment – whether you own the items or hire them while you're away. It may also protect against piste closures and delays caused by avalanches. It’s good to check if the policy will cover you if you head off-piste.
Activity holiday: If lounging by the pool is the last thing you want to do on holiday, you'll need to make sure you're covered for any extreme sports or adventurous activities you've planned, from abseiling to jet skiing.