It is liberating to know that, just in case you're out of luck while you are on holiday, most traumatic events while travelling can be remedied or assisted by the correct travel insurance cover so long as you purchase it before you leave. The potential risks encountered when travelling or leaving home for a length of time with only a few bags to hold your previous belongings can be daunting especially when you are surrounded by strangers who do not speak your language! Having travel insurance far outweighs the disappointment of wishing you had spent a little extra on travel insurance.

You will find numerous reviews online entered by vacationers who have lost money because they either didn't have insurance in the first place or neglected to familiarise themselves with the fine print on their policy meaning they thought they were covered in certain situations when in fact they weren't. Do not hesitate to voice any queries and always read your policy wording carefully before purchasing your travel insurance. Even more important than getting travel insurance is making sure that you purchase the correct policy and you understand exactly what is and is not covered in your policy.

When buying travel insurance remember that the policy wording can be very confusing but also specific and underwriters are quick to refuse payment should your policy not cover even a single aspect of your insurance claim unless you know to what extent you are covered, in which case you'll be glad you have your specific policy wording.

Just a few examples of mistakes that might render you unworthy of a claim include: having a different name on your travel documents to those on your passport (for example if you still have your passport in your maiden name and have booked your flight in your married name); not getting a police report to back up your claim; injury incurred while under the influence of alcohol and leaving baggage unattended in a case of theft.

If you can't afford travel insurance then you can't afford to travel. Travel Insurance offers reassurance but the traveler must take time to understand what they have purchased. With the market of travel insurance being so competitive and the costs regularly reviewed and improved, what has always been a necessity when travelling can now be viewed in a pleasant light and no longer considered as a burden for the average traveler and holiday-maker.