What should I look out for when choosing a 90-day travel insurance policy?
You should make sure a policy offers sufficient cancellation cover to protect the full cost of your holiday, should you have to cancel it for a reason listed in your policy – such as a close family bereavement or jury service. Again, check your policy wording as some events may be excluded, such as missing flight connections (even if it’s through no fault of your own). As a general rule, always take out travel insurance when you buy your holiday, no matter how far in advance this is of the trip, so that you’re covered straight away.
Check the single article limit. This is the most you can claim for any one item that’s damaged, lost or stolen during your trip.
Check the amount of baggage cover the policy offers – £1,500 will typically cover the cost of your suitcase or rucksack, and its contents. However, you might want more cover if you're taking expensive gadgets or designer items. And if you're packing hi-tech equipment, gadgets cover might be a worthwhile addition.
When comparing policies, think about any activities you’re planning while you travel. You may need extreme sports cover if you’re planning higher-risk activities such as white-water rafting or rock climbing.