To be honest with you, when I am booking my own vacation or making some other travel arrangements I would tend to avoid taking out insurance, particularly the insurance offered to me by the company I am booking my travel with. Am I wise to do this or just being over-cautious and not trusting enough? Here are a few pointers that all travellers would be wise to take note of when considering travel insurance.

Do avoid taking your travel insurance out with the company you are booking your flights or holiday with, at least until you can weigh up what else is on offer to you. How to find the cheapest and best for your needs? Easy really – look on the internet for travel insurance and you will be presented with choices galore.

Before you take out any travel insurance make sure you are not already covered with other insurance you already have such as your home insurance. No point in wasting money now is there?

Once you have yourself a short list if you need to get travel insurance, its good policy to make sure there is adequate medical insurance, which should also include the cost of medical evacuation. Depending on where you are going, if you end up needing to be evacuated back to your home country and you have no insurance to cover you, the costs could be prohibitive.

Are you sure you are covered for all holiday activities? Such activities as scuba diving are rarely covered and have to be included as an add-on. If you are golfing then your clubs will have to be an add-on unless you have a specialist insurance policy to cover them.

Do make a point of reading the small print to the insurance policy. General assumptions are often made only to find out when one needs compensation from their insurance its not forthcoming. If you check the small print first you are already aware of any exclusions.

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