If you don't want to shell out too much but want to be confident you've got a reasonable level of cover, you might want to consider:
- medical expenses – on a long stay trip, it's a good idea to have the most comprehensive medical cover available. You may want to consider cover from £3 million pounds or more and make sure it can cover emergency repatriation, in case you need to be flown home
- holiday cancellation cover – make sure this is at least equal to the cost of your holiday.
- flight cancellations and missed connections – your travel insurance may also provide cancellation cover in the event that you have to cancel your holiday due to illness or jury service. This could ensure you get your money back. Just make sure the level of cover is sufficient to cover the cost of your trip. Cover for things like a missed connection isn't included in all policies, so if you want to be covered for this, make sure you check the policy T&Cs
- damage, loss or theft of your baggage – £1,500 could cover the cost of your suitcase or rucksack and its contents. But you may want higher cover if you're taking expensive gadgets or designer items. Make sure you've added up the cost of your belongings and include any expensive items too – check the maximum value for any single items too, so you cover your needs
And choose your voluntary excess carefully as you need to make sure you can afford to pay it in the event of a claim.