You’ve spent days or even weeks planning your 2016 holiday, weighing up all your options to find a budget-friendly break, and now you have finally booked the perfect trip. But what you’ve forgotten to buy is travel insurance. Although this may not be the most exciting part of your holiday but it is still essential to take out a suitable policy that covers you for medical costs, lost baggage, and flight cancellation. Here are some tips about finding a good travel insurance policy for 2016.

Check your policy limits
Losing your baggage or having your money stolen on holiday can be extremely stressful but it wouldn’t be the end of the world if you can make a claim on your travel insurance. To ensure your policy covers such claims, find out how much you can receive from lost cash, cancellation cover, and lost baggage.

Check whether you are covered for an action-packed break
If you are going to take part in adventurous activities, such as quad biking, bungee jumping, or diving, check to see if your policy covers accidents. Look for ‘hazardous’ activities or ‘extreme sports’ on the insurer’s list, and if it’s not included, make sure you ask for this before buying. Depending on where you will be traveling to, you can include evacuation coverage, which is recommended for hiking in remote parts of the world, or having to catch several flights from one country to another.

Make sure your chosen policy covers your destination
This may sound obvious but you’ll be surprised how many people fail to check that their policy covers for the destination they are traveling. Tunisia, Turkey and Egypt for example are considered as high risk destinations and some insurers exclude them from certain European policies. It’s best that you buy travel insurance for terrorism in case something goes wrong during your trip. Whichever country outside Europe you are traveling to, you should consider taking out a worldwide policy.

Terrorism is something that many people don’t think about when booking their trip. In the event that you fall victim to a terrorist act, you must ensure your policy includes emergency medical treatment, hospital stays, and air ambulance at no extra cost. You must therefore ensure that you take out a good policy that fully meets your needs as well as cover terrorism.

Cover yourself for bereavement or cancellation
A good policy will cover you for flight cancellation the moment you book your holiday. This means you will be protected should anything go wrong prior to your flight. For instance, if you lose your job, go through bereavement, or fall ill, you may not want to travel anymore. By having the right cover, you can claim for cancellation and get your money back from the insurer.

Shop around
Travel insurance policies can be complex to understand, so your best bet is to search for them on comparison websites. Experienced travel agents can also help you choose the right policy as long as you’re willing to pay them a little commission.