Ok we can't stress this enough - Don't go travelling without travel insurance! Obviously you hope nothing goes wrong while you are travelling, but sometimes they will and you have to be prepared in case. What should you look for when making sure you choose the right travel insurance for your trip, there are so many things to consider when choosing.

Make sure you are covered

There are lots of different types of travel insurance out there, the first thing you just look for is that the insurance will cover you for the countries you are visiting. There will be Europe specific ones, Worldwide(excluding North America), and Worldwide (including North America). Make sure you are covered for every country you visit when on your trip!

Comparing Policies

Get quotes from several insurance companies, don't just automatically get the cheapest one though, the chances are that its cheapest for a reason - the policy isn't as strong as others. You need to find a policy that will suit you, but obviously be reasonably priced. If you plan to be doing plenty of adventure activities such as sky diving and bungy jumping, then you will need to check the small print to see which adventure activities you would be covered for. If you plan to catch a ski season during your trip, you will need to make sure you are fully covered for winter sports. Please read the small print and make sure you are covered for the things you plan to do.

Medical Section

The medical part of the policy will tell you how much you are covered for if you need treatment for any injuries, illnesses over the course of your trip. Obviously here, the more cover you can get the better, sometimes in can be £1 million, £2 million, even unlimited. Look at all the different policies when you are looking around for quotes and make sure you check the medical section of the policy.

Other Things To Consider

You may also wish to use your travel insurance to protect expensive items you take away with you such as your camera, and music player. They won't always automatically be covered so check the policy, you may have to pay a little extra to add it onto your policy. When you decide on a policy and get your documents, make photocopies and put them in your backpack, and maybe also in a money belt, so you will have the details as a back up somewhere else.

Independent Journey Recommends.....Websites

FCO, Know Before You Go - http://www.fco.gov.uk/travel/
"Avoid dangers and risks by checking government information on how safe it is to travel to countries worldwide."