Any travelers heading away for a trip are reminded that while there are good deals to be had on traveling, it is important to make sure you have the right travel insurance cover for your trip. Anyone shopping around for a bargain should check the details of their travel insurance cover to make sure it is adequate for their trip. Full travel insurance is always recommended to cover important sections including Cancellation Cover which protects you from the time you book until the time you depart for the cost of your trip, remember to purchase travel insurance in time and book your Single or Annual policies as soon as you book a trip. Another important section, if you are putting your own trip together, is Third Party Supplier Insolvency Cover to cover costs paid to suppliers such as Hotels, ferries, car hire companies in the event that they go bust.

There are a few things you need to keep in mind when you opt to buy travel insurance. These tips should help you purchase a travel insurance policy that has the best cover, yet is not heavy on your pocket. Make sure you have appropriate cover for your trip and you fully understand the terms and conditions of your travel insurance policy. Shop around for different quotes. An annual policy providing cover for the year often works out to have a better value. If weather related or other ‘non-airline’ interruptions are common where you are traveling, consider travel insurance topping up with Travel Disruption cover, which provides for extra travel and accommodation expenses in the event of any unforeseen circumstances. Always be clear on what your airline is legally required to pay for in the event of cancellation due to weather or other unexpected disruptions.

If you have a medical condition when purchasing travel insurance, check the conditions relating to medical cover and what procedure is to be followed for declaring medical conditions. Carry your policy details with you, including the Emergency Assistance telephone numbers and your travel insurance policy number. You will need this in the event of a medical emergency, or a serious travel delay or disruption whilst on the trip.

You must note the conditions that do not fall under the travel insurance policy. Anxiety, Depression or any kind of mental disorder, drug and alcohol addiction, HIV and AIDS, Venereal diseases and diseases that are transmitted sexually, Sport activities, Induced nuclear weapons and radiation. Expenses that arise due to the loss of money, passport, tickets and valuables in public places are also not covered under travel insurance policies. A deductible of a certain amount is applied to every claim and this is based on the treatment of the entire illness and not individual doctor or hospital visits. Also, compensation is paid on per-day basis in conditions where the trip has been delayed for 6 hours or more.