Cheap travel insurance is one thing you cannot afford to skimp on however, especially with as many as one in three Brits claiming on their travel insurance after going on holiday. If you are prepared to shop around then there are some excellent deals to be found and quality cover on the cheap. Travel insurance is needed on most holidays abroad, but for these three holidays it is absolutely essential:

Prague, Czech Republic Tourism to Eastern Europe has been growing in popularity steadily for a while now but the Czech Republic has probably got more of a boost in tourism than other surrounding countries. The capital Prague offers some stunning gothic architecture at the Prague castle which includes the St Vitus Cathedral.

Unfortunately, the darker side of Prague is notorious for petty crime, particularly pick-pocketing. Cheap travel insurance is an essential for a holiday in the Czech Republic but in Prague in particular, in case your wallet is stolen. Holidaymakers are also advised to take travellers’ cheques with them instead of large sums of money.

Colorado, USA If you’re worried about the depreciating value of the pound against the euro but can’t give up on the adrenaline rush of skiing, then Colorado is about as good as it gets. Your cheap travel insurance is well warranted here though, as is a crash helmet.

The Crested Butte resort was voted one of the most dangerous mountains in the US, and with extreme runs such as Body Bag it’s not difficult to see why. For extreme winter sports like skiing and snowboarding cheap travel insurance is a pre-requisite.

Bangkok, Thailand Thailand is the back-packers country of choice and for those travel on a budget provides an excellent snapshot of Asia. Bangkok is an unusual blend of simple elegance and awe-inspiring extravagance. The Grand Palace is about as opulent a marvel as you will ever see but it’s set against a backdrop of vendors selling succulent street food.

Thailand also dominates the travel insurance claims in the UK: from illness, to injury, to missing luggage or traffic accidents. Bangkok itself is responsible for some of the most numerous and varied travel claims on the planet, making cheap travel insurance a necessity for travel visiting the Thai capital.

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If you fall sick or are involved in a debilitating accident while travelling, it is a bit of a double whammy. Not only do you suffer financially through possible medical or hospital expenses, your travel plans are disrupted, often resulting in financial disappointment from non-refundable accommodation, tours, airfares and others. Lost credit cards, cash, traveller’s cheques and personal possessions can also lead to both holiday and long-term financial stress.

Anyway you look at it – the small amount you pay for travel insurance just doesn’t rate when compared to the possible consequences – BUT – that doesn’t mean you have to pay more than you need, and it is only wise to get the best, most comprehensive, yet most economical cover possible.

What To Look For When Purchasing Travel Insurance

For a start, purchasing travel insurance through a travel agent or supplier can cost up to 66% more. In addition, travel agents may not always have back up in the event of bankruptcy, whereas all quality insurance companies are underwritten by a reputable insurance body, providing you with absolute protection.

Purchase your trip insurance online. Because online quotation and facilitation costs the insurer less, you pay less, getting the same high quality product for around 10% less.

Be sure of the credentials and the reliability of your insurance company – they should have full details on their web site at the least.

Always check the details of the policy. Different levels of cover may have different limits they pay up to, or may cover you for varying eventualities. This is due to the wide variety of methods of travel, locations visited, variety of sporting activities or events participated in, the age of those travelling or anypre-existing medical conditions. Always ensure your policy adequately covers you for your unique travel needs.

There are some items that should always be in every policy no matter the level, so be sure you are covered for at least the following:

1. Unlimited Overseas Emergency Medical Assistance and Unlimited Overseas Medical, Hospital and Dental Expenses – international travel only
2. Unlimited Cancellation Fees and Lost Deposits – this is often for international travel
3. Personal Liability
4. Accidental Death and Permanent Disability
5. Travel Documents, Credit Cards and Travellers Cheques
6. Luggage and Personal Effects

If you follow these tips on buying good travel insurance you should achieve both appropriate and economical cover.

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