Travel insurance is an absolute necessity for anybody travelling abroad. However, it can be difficult to know whether you are getting the best policy for you. Here are some tips to help you find the right travel insurance:

• Research the country you’re going to. Each location will have its own requirements and you should be aware of all this before buying.
• Look into different ways of obtaining insurance. There are lots of different insurance providers, but many won’t cover everything.
• If you have private medical insurance, this will often cover you for all treatment abroad. Check the terms and conditions. If it does, just take the details you need with you, for example, the number you’d need to call to contact your insurance provider and make a claim.
• Check plenty of different deals – don’t just buy the first one you see. There are lots around, so ensure that they include the right options then choose the one which is the best value for you.
• Agree on a higher excess as this will reduce your premiums. However, make sure it is realistic for you or you might struggle if you do need to make a claim.
• Consider group policies if travelling together. These may work out cheaper.
• Get an EHIC card if you are travelling within Europe. This entitles you to state-provided healthcare if you need it while you are away. However, it’s important to bear in mind that this is not an alternative to travel insurance, as it won’t include all of the treatment you might need.