The good news is that travel insurance policies are easy to set up – many can be organised online the day before you travel out, and there are flexible pricing options and specialist cover options so that you can ensure you really are getting the right policy for your trip. For example, you could choose to take out a single trip policy (for the duration of your defined trip only) or an annual multi-trip policy. If you are likely to travel abroad twice or more in one year, an annual cover policy may work out to be best for you.

As with all insurances, the cost of your policy depends on what you need insuring, and up to what amounts. Look for around £4000 for a trip cancellation, around £1500 minimum for theft of baggage and belongings, and financial assistance for hotels / food etc if flights are delayed. Your personal liability cover should typically protect you up to £12 million (if a claim for damages is made against you during your trip) and you`ll need around £25,000 legal expense cover in case of third party claims. The main part of your policy is of course the medical cover, and again a good policy will offer between £2-5 million of cover if the worst should happen.

Be sure to declare if you have any pre-existing medical conditions, because a claim will likely be rejected if you provide false or inaccurate information (and could leave you with hefty medical bills running into many thousands of pounds!) Some insurers offer specialist cover for those who have existing illnesses, such as Cancer. These include Medicover, Orbis and Free Spirit.

You should also look to get winter sports cover if you are skiing – it includes specialist options such as piste rescue services. Direct Travel and Insure and Go are good providers. Similarly, if you are planning to do extreme sports or water sports on your trip, make sure you clear it with your insurer first. Other specialist insurances are `gap year` or backpacker travel insurance (try STA travel or Columbus.)

Finally, when you are looking to compare policies for Insurance when travelling, then you may find online comparison sites useful, such as comparethemarket.com and moneysupermarket. These allow you to compare policies and work out which one is best for you, and the most value for money. As a final piece of advice, always keep receipts and take full details of accidents in case of claims – keep all crime reference no`s, witness statements etc to submit along with your claim

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