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Travel insurance is vital. Be sure you are covered for any hazardous activities you could possibly take part in. Some travel insurance policies do not cover some of the riskier activities such as bungee jumping, scuba diving, skiing, horse riding, jet skiing and more ( these can vary from policy to policy ). Check your policy details for anything you are not covered for. With policies that do provide cover for these activities, it may be that they do not cover you for liability and personal accident. This should be provided by the company hosting the activity. When taking part in activities such as golf, it is wise to have insurance that will cover you if there should be an accident which involves you causing an injury to another player. Most standard insurance policies may not provide cover in these situations.

Health cover should be included in your travel insurance, always check it is adequate for your destination. Medical and health insurance is your responsibility. Most people are aware that medical care in USA is expensive, but many other countries also have expensive medical services. You may have to pay thousands of pounds in medical costs if you fall ill or have an accident. The level of medical cover should be at least £1million for Europe and £2million for the rest of the world. Be honest when declaring your medical health or you may not be covered by your policy.