Everybody has their own idea of their perfect holiday. From relaxing on sunkissed beaches, exploring cities steeped in history or racing down the side of a mountain on a snowboard.

When arranging the details of your holiday, it is advisable to ensure that you have little plans in place in case of accident or incident. Every year thousands of tourists have their possessions stolen or are injured abroad each year, and many of them do not have sufficient cover and end up out of pocket at the end of their holiday.

Travel insurance is especially important if you’re looking to participate in extreme or winter sports, and whilst many companies will offer some form of protection as part of their package deals, it’s always worth giving yourself that extra peace of mind by taking out some winter sports cover.

Travel insurance policies vary depending on your destination and choice of activities, and it’s always best to double check with your insurance company what activities would be covered. As well as ensuring that your activities are covered, you must also ensure that you have ill health cover to ensure that you are entitled to medical treatment in your destination country should you fall ill abroad. Having insurance in place will also help to cover you should you need to return home in the event of an accident or illness.

As well as arranging cover for yourself, you should also ensure that your luggage is covered, many providers will offer some level of protection for items such as passports and electronic items. This type of cover can be particularly useful if you’re thinking of taking a backpacking trip. It’s best to check with your airline as to whether you’ll be covered in the event of lost passports, flight cancellations or severe disruption to your journey.

If you’re travelling to Europe, it can be worth taking out a European Health Insurance Card (EHIC) – which entitles you to free or discounted treatment should you require it abroad. Bear in mind though, that this is not a substitute for a travel insurance policy, and you should look to take out additional cover as well as an EHIC before you travel.

By arranging a suitable insurance policy before you travel, you can give yourself a degree of protection against a variety of factors during your trip. Whether you’re looking to relax or are seeking exhilaration on an extreme sports holiday, taking the time to arrange a cheap travel insurance plan before you jet off can help to put your mind at ease while you are enjoying yourself.

About the author

David is an experienced web author based in the UK