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If you have any kind of problem while abroad, whether it is a medical emergency, an accident where you damage someone elses property, or have some of your belongings stolen, it can cost a fortune to sort it out. For example, an air ambulance from the East coast of the USA could cost you the thick end of fifty thousand pounds. However, if you have a travel insurance policy, then you do not need to worry about the threat of a financial emergency whilst abroad.

Although some other forms of insurance offer some protection while abroad, it is unwise to assume that this will negate the need for specific travel insurance. A basic travel insurance policy can be expected to at least include some of the following:

Insurance against potential medical costs incurred while abroad.

A 24 hour, 365 day per year claims and services telephone helpline

Personal liability insurance in case you get sued for damaging another persons property or injuring them while abroad

Cover for your possessions in case they get lost or stolen

Insurance against having to cancel or curtail your holiday for one reason or another

It might also include legal insurance, personal accident insurance, and financial protection in case the airline or tour operator you are travelling with goes bust at any time.

However, it is extremely rare for travel insurance policies to pay out on claims arising from drink or drug abuse. Also, if you have not taken sensible precautions against the damaging or theft of your belongings, then the insurer may not be willing to pay for replacements, so it can pay to be careful even if you are insured.

It can definitely pay to shop around online to find the insurance that is right for you, at the best price you can find. Cheaper policies tend to offer less comprehensive cover, so it is important to check that the insurance really is adequate for your needs.

If you are making more than one trip per year, you might want to consider taking out an annual travel insurance policy, rather than a separate policy for every trip. Not only will this save you the hassle of having to sort out travel insurance every time you leave the country, but it can also save you a lot of money as well.

For great deals on holiday insurance with a wide range of activities covered as standard, visit Go Travel Insurance.