So what should you look for in a travel insurance policy? Levels of cover vary widely, but the Consumers’ Association recommends that you should have:
at least $1m of medical cover in Europe
at least $2m in the States and the rest of the world
at least $1,500 baggage and belongings cover - and watch out for policies which limit the amount you can claim for any one item. Check that the total covers you for what you’re actually taking abroad.
Personal liability of at least $1m, to cover you if you cause injury or damage
Compensation for trips which may be cancelled or curtailed – and the costs of getting you home in an emergency
A 24-hour emergency line, and cover for your legal costs as well
Membership of the Financial Ombudsman Service, in case you need to complain – the Ombudsman can intervene and make your insurer settle.
