I'm sure we've all heard (or can tell) a horror story or two about travelling. The old favourites including personal items or money being stolen or lost, transport being cancelled or missed, accommodation falling through, accidents on the ski slopes, a bad dose of the trots, the list goes on These are all potentially nightmarish situations which can be somewhat remedied with the right travel insurance.

What is important to remember is all the benefits that Travel Insurance brings with it including monetary compensation for lost/stolen belongings or cash, medical cover, personal accident cover (for long-term illness/injury), cancellation fees and repatriation in case you need to be flown home.

Nobody could predict such misfortunes and that's not to say that you will suffer any of them but who's to say you won't? With travel insurance, even the most frivolous traveller can be covered for such incidents for little cost.

And the best thing about travel insurance is that you can get adrenaline sports cover too. With new risky activities cropping up around the globe regularly and their followers growing evermore passionate, it's becoming more and more possible to find such affordable, expansive Travel Insurance.

Some travel insurance policies automatically cover you for hazardous activities, such as bungee jumping, paragliding and white water rafting (usually grades 1-4), not often available with insurance and with some companies, for no additional premium. Many sports can be covered and if you have an unusual hobby, a good travel insurance company should feel obliged to arrange a specific quote for that too.

As for convenience, if you think that the airport's the last place you want to realise that you forgot to get insurance, think again because nowadays that should not be a problem at all. You can buy a travel insurance policy from any internet-based travel insurance company from any pc with an internet connection or just call them and it will be issued to you immediately. Although you may not have the paperwork in your hand, your insurance is valid as of the second you buy it. If you don't have the facility to print off your policy or policy wording, request that it gets emailed to you immediately so that you can keep an electronic copy and if you have any questions your travel insurance provider should only be a phone call or email away. So if you're in the airport reading this, don't panic. Call or email a competetive travel insurance broker and they'll sort it so that you can sit back and enjoy your journey.