Here are a few useful hints to help you find the best travel cover for you and your budget.

• If you have several trips planned, annual cover could save you time and money.
• If your personal items are covered by another policy, such as contents insurance, you could potentially exclude baggage cover.
• Always declare any pre-existing medical conditions or any claim you make could be deemed invalid.
• Try to arrange your travel insurance as soon as you have booked your trip. By purchasing it early, you can help protect yourself financially against cancellation.
• Check the excess amount on your policy. This is the amount you would have to pay in the event of a claim. For an additional cost, you may be able to waiver this excess.
• Remember to compare all policy features, not just the price. The level of cover may vary between providers.
• Make sure you have sufficient cancellation cover for the cost of your trip.
• Check that your policy includes a 24 hour international helpline number and make sure you take this with you when travelling.
• If you plan to engage in a potentially hazardous activity or sport, check that your policy will cover it.
• If you are booking independently rather than through an agent it’s unlikely that you’ll be covered by ABTA or ATOL. If this is the case, look for travel insurance that covers you against insolvency.
• Shop around using a travel insurance comparison service to help find the best policy for your circumstances.