news: What does travel insurance cover? - Travel

Travel insurance can be a valuable asset when you're travelling overseas, but is nevertheless still one part of holiday planning that some people neglect. This may be due to a lack of awareness about what exactly is covered by travel insurance, which could potentially save you hundreds or even thousands of pounds in the event that trips need to be cancelled or you sustain injuries abroad.If you are forced to cancel your trip and have booked this through a tour operator as a package, you should be able to get a refund from them. Some of your costs may not be met if you have booked elements of your trip separately. This is most likely to apply to you if you booked your accommodation separately from your flight and not as part of a package.If you lose essential items such as your passport while abroad, you could also find replacing them to be a costly process without the benefit of travel insurance. You could even extend your policy to cover lost personal possessions and mone y, enjoying greater peace of mind on your holidays.Looking after your health is an important consideration when travelling too, and another reason why travel insurance can prove so useful. Because you can never be sure when accidents or illness will occur, you could be stuck with expensive hospital and prescription fees when seeking emergency treatment in foreign countries - however, these will be covered by most travel insurance policies.Health and safety can be an even more pressing concern if your travels include risky activities, such as hiking in challenging terrain or skiing in adverse conditions. Some insurers offer dedicated winter sports travel insurance specifically tailored for those taking part in activities such as snowboarding and skiing, with most winter sports being covered as long as the participant follows established guidelines and stays within the boundaries of recognised ski resorts.Winter sports aren't the only activities that can be covered with a spec ialised insurance policy, either. If you're heading overseas on business or for a dream wedding abroad, you could also find exclusive benefits when taking out a travel insurance policy to cover all eventualities.When choosing a travel insurance policy, it's always vital to check what the policy covers, as some may not protect you against acts of terrorism or natural disasters. Choosing insurance that offers compensation if travel companies go bankrupt can also be an important consideration - particularly in the current economic climate.

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