Are you planning a holiday? If you are then itandrsquo;s always a good idea to make sure you are properly covered in the case that anything should go wrong. Amazingly, nearly two thirds of Brits admit to taking out no travel insurance when they go away, while eight percent say they have never bothered. This andlsquo;it wouldnandrsquo;t happen to meandrsquo; attitude puts travellers at unnecessary risk; what would you do if you lost your passport, plane tickets, or one of your party had to have special transport home for medical reasons? Itandrsquo;s quite easy to find cheap deals to cover your travelling group, but if youandrsquo;ve never bothered before then youandrsquo;ll need a few tips to get the right deal. If youandrsquo;re looking to go abroad, then read these few tips to send you in the right direction when it comes to insurance.

Shop Around
Even before you get started on your travel insurance search, check out what your bank account or credit card provider offers. Some include annual travel insurance with their accounts, so you wonandrsquo;t need to bother shopping around for another quote. However, do make sure you check the small print of these policies andndash; itandrsquo;s worth giving the company a ring if youandrsquo;re still unsure. If you donandrsquo;t have a relevant deal, then thereandrsquo;s not many ways to get the cheapest deal other than shopping around. The Internet makes it much easier to find the deal thatandrsquo;s right for you quickly and easily, especially through price comparison websites. A couple of these will put you on track for a good quote, while typing andlsquo;travel insuranceandrsquo; into Google can also provide substantial leads andndash; make sure you at least check five different quotes according to your circumstances.

Get an EHIC card
The free European Health Insurance Card (EHIC) entitles you to free or discounted medical treatment in state run hospitals in the European Union and Switzerland. If youandrsquo;re travelling in Europe, itandrsquo;s important you get one, as it means youandrsquo;ll be treated like a citizen to the country that youandrsquo;re visiting. However, donandrsquo;t be fooled into thinking this alone is an adequate substitute for travel insurance. For a start, itandrsquo;s only valid in the EU and Switzerland. Then youandrsquo;ve got to remember that you will only have access to state run hospitals with an EHIC, which may be more limited and few and far between in some countries. Also, an EHIC wonandrsquo;t cover you for anything other than medical expenses andndash; so remember youandrsquo;ll still need cover for baggage loss and flight cancellation, and it wonandrsquo;t cover you if you go further afield.

Get the Right Level for You
Have you had a policy suggested to you by your holiday booker? If you have then consider if itandrsquo;s at the right level for you, and the right price; itandrsquo;s possible to be oversold in insurance package and you could end up with too much cover. For instance, does anyone need andpound;100,000,000 worth of medical cover? The answer is almost certainly not, so thereandrsquo;s no need to go for a quote with this if itandrsquo;s more expensive than a policy with, say, andpound;2,000,000. Furthermore, unless youandrsquo;re carrying the crown jewels across the world itandrsquo;s unlikely youandrsquo;re going to need much more than andpound;1,000 worth of baggage cover. As the rule of thumb, just try to think objectively of the extent of cover youandrsquo;ll need andndash; itandrsquo;s probably never going to run into the millions so donandrsquo;t pay for it!
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Article Submitted By: Richard West6
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