Here are some tips I've written for my travel website to help you choose travel insurance.

I would always recommend taking out travel insurance when making a travel booking. I think that it is money well spent for peace of mind. You just never know what might happen when you are travelling and you don't want to end up seriously out of pocket if your luggage is lost or you have an accident. I know that EU residents are eligible for health care in member states but this does not cover you for every situation e.g. an air ambulance home, Evidently 15% of UK residents don't bother taking out travel insurance.

With most package holidays you can not book a holiday if you do not have travel insurance. so this will serve as a reminder. The insurance offered by travel agents is nearly always much more expensive than cover that you buy independently. However if you are booking an independent holiday you should remember to ensure that you have travel insurance.

Don't just look at the price of the insurance also examine the levels of cover for various incidents, what is the excess deducted from claims. Will the sports or activities you do on holiday be covered or be considered hazardous and excluded from the cover? Check that you are covered for medical expenses in case of a terrorist attack. If you take at least 2 one week holidays in Europe per year, it is usually worth taking out annual insurance cover.

Leave a photocopy of your policy with a relative or friend in the UK. Remember to carry the 24 hour emergency contact phone number for the insurance company with you at all times.

You should get at least 2 or 3 quotes for insurance just to compare price and levels of cover.