Travel insurance is easy to buy and easy to buy badly. The cheap policy often excludes the thing that is most likely to happen on your particular trip: a missed connection, a pre-existing condition, adventure days, or a cancellation because a visa was refused.

What we read before you purchase

  • Medical cover in the countries you will actually enter
  • Cancellation reasons, including supplier failure
  • Bags, delays, and the excess you would really pay
  • Activities on the itinerary — a trek, a dive, a scooter
  • Whether the people travelling are all named, including children

We explain it in plain language, then you decide. The point is a policy that matches the journey, not a certificate that looks reassuring and pays nothing.

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