When booking a holiday, savvy travelers know that one of the most important parts of going away - something that's right up there with a valid passport - is holiday insurance. Why? Because even though it's not compulsory, holiday insurance is what can protect you against financial loss should the worst happen.
It's too easy to think "it will never happen to me", but accidents, illness, mishaps and thefts can and do happen - quite frequently - so it makes sense to make sure you and your party are properly insured for the duration of your stay.
There are many reasons why you might need travel insurance. If you have an accident or fall ill and require medical attention, an appropriate level of travel insurance should pay for the cost of any hospital visits or medical bills. It should also provide compensation for the knock-on effects such as a missed flight home, and the cost of booking a new flight along with any additional hotel stays. Of course it's worth checking your policy carefully to make sure features such as these are included.
Insurance policies come in many different shapes and sizes. Some are for 'one-off' trips, also known as single trip policies, which covers you for one holiday. Others offer annual or multi-trip insurance which covers a number of trips within a designated time frame - usually 12 months. Policies can also be tailored to specific holidays, such as ski holidays or trips featuring extreme sports.
Whatever type of holiday insurance you're looking for, there are a vast array of insurance providers on offer. Thomas Cook Extras is one such example. They offer policies for single and multi-trips, as well as specialist cover for different holidays and many other scenarios too. Different levels of cover are available at different prices, so you can pick the cover to suit you and your style of holiday.