if you're off on your holidays, you probably need travel insurance. travel insurance can be useful if youhave to cancel your holiday, if you lose your luggage or if yourmoney is stolen, but the main reason to have it is to pay your medical bills if you fall ill or are seriously injuredwhile you're on holiday. if you're traveling in europe you can getsome medical treatment for free if you have a european health insurancecard but it may not cover all your costs especially if you need to be flown home because you're seriously ill. now it's tempting to shop around and getthe cheapest policy you can
but beware travel insurance can be hardto compare and you may not end up with the coveryou need. medical cover is the most important section to look at if you're traveling in europe you'll need aminimum of 2 million pounds of medical cover and five million pounds ifyou're traveling anywhere else. you should check thatyou'll be covered if you want to take part in a sport or take a trip while you're on holiday and you should also check the level ofthe excess. now the excess is the part of aninsurance payout
that's deducted if you make a claimand the levels can vary widely from policy to policy. you should also check what you have todo in order to make a claim as someinsurance companies are stricter than others. and you should find out whether you'll be covered if you're airline goes bust if you don't have thiscover you could be stuck in another country. ifyou suffered from a medical condition in the past or you do now, you must tell the insurer.
now not all insurers will cover you inthese circumstances, especially if it's a serious illnesslike cancer but there are some that probably will.
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