What should I consider when choosing a policy?

The type of cover you need will vary depending on the type of travelling you’re doing. Two weeks fun in the sun, a skiing holiday, six months’ travelling and a gap year trip all require different types of travel insurance.  

You need to pick a policy with the right level of cover and inclusions for you. For example, comprehensive policies will typically cover you for the following: loss of baggage, theft, cancellation, medical treatment, public liability and emergency repatriation.