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Cancellation is one of the most common reasons for claiming on your travel insurance. Your travel insurance policy has to have been started a couple of weeks before your departure date for you to be able to claim for this. Your insurance policy should also cover you if you fall ill and have to cut short a trip and come home. travel insurance should cover pre - paid expenses, such as excursions, and any extra costs incurred in getting home. Check your policy documents to see what would be covered - accident, illness, and pregnancy unknown when you buy the policy, jury service, etc. some even go as far as covering you if you are being made redundant or if a strike or bad weather affects the departure of a ship or flight. You will need a insurance policy with sufficient cover to refund the full cost of your holiday. Always check your policy for details.

When buying a Travel Insurance Policy you may want to consider how many times a year you are likely to travel. If you do travel more than once a year it would be worth buying an annual multi - trip policy. It may seem more expensive outright but when spread out over your holiday ' s day per day it is far cheaper. An annual multi - trip travel insurance policy should also include cover for Winter Sports activity as well as a standard holiday policy. So there is no need to worry about adding extras for each holiday.