Although there is a tendacy to just "get some insurance", travel insurance is something you should take some time over, particularly the health end of it.
Note that many of the polices that come with bank accounts or credit cards do not cover for pre-existing conditions or issues that they deem to be related to those conditions, and many of those policies do not allow pre-existing conditions to be added at an extra cost. So fine as long as no one in your party has ever had anything wrong with them medically. But if, for example, you take medication for high blood pressure, and you have a heart issue while on holiday, do you really want to get into a back and forth when you are really unwell with your insurance company, as to whether they determine this circulatory condition is related to your pre-existing medicinally controlled high blood pressure for which there is no coverage.
I use the above as an example. The health side of travel insurance is the one you need to be really careful about. At the end of the day if you lose your luggage or the whole holiday goes **** up for some reason, that's a finite expense which will hurt if the cover isn't right, but if something does go badly wrong health wise, you REALLY don't want to get caught for potentially massive bills because you thought you were covered but where not, or indeed have the required treatment refused because the insurance won't sanction payment.
Pretty sure I used Direct Travel back in the day to include ski trips.. Any worth recommending before I hit the usual comparison sites? Thanks.
