What else should I consider?
Your policy should also reflect what you’ll be doing on holiday. So if you’re heading to the snow, then make sure it includes winter sports cover if that’s what you’ll be doing; the same goes for any sort of extreme sport, so always check you’re covered before you take part in activities like white-water rafting or rock climbing.
Other policies might also include cover for lost or stolen passports, travellers’ cheques and even cash.
Another area to consider is the excess payable. Some policies charge per claim even if the incidents happen on the same trip, so look for policies where you only have to pay out once.