• medical and health cover for an injury or sudden illness abroad
• 24 hour emergency service and assistance
• personal liability cover in case you’re sued for causing injury or damaging property
• lost and stolen possessions cover
• cancellation and curtailment (cutting short your trip) cover
• extra cover for activities that are commonly excluded from standard policies, such as jet skiing
• airline delays – for whatever reason

A good policy should cover you for:

• personal accident
• any legal expenses
• financial protection if your airline goes bankrupt before or during your trip
• accident
• illness
• pregnancy (unknown when you buy the policy)
• jury service or witness summons
• home emergency: fire, storm or flood, burglary
• redundancy
• strikes

Please ensure your policy will:

• refund the full cost of your holiday
• cover pre-paid expenses such as excursions
• cover extra costs incurred to get home

Lost baggage on flight

Do not rely on compensation from an airline if it loses your luggage. By law, airlines only have to pay a specified minimum value per kilo of lost luggage which is unlikely to cover the full value of your things.