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Buy travel insurance as soon as you book your trip. This ensures you're covered for cancellation from day one. Many policies cover you for pre-trip cancellation due to illness, job loss, or other covered reasons.

Most modern travel insurance policies now include COVID-19 coverage. This typically covers medical treatment abroad, trip cancellation due to positive test, and quarantine expenses. Always check the specific policy wording.

CFAR is a premium add-on that lets you cancel your trip for any reason and receive a partial refund (typically 50-75%). It's more expensive but provides maximum flexibility. Must usually be purchased within 14-21 days of initial trip deposit.

Standard policies may exclude activities like skiing, scuba diving, or bungee jumping. Many insurers offer adventure activity add-ons covering specific sports. Always check if your planned activities are covered before travelling.

Contact your insurer as soon as possible after the incident. Keep all receipts, medical records, police reports, and documentation. Most insurers now offer online claims portals. Claims are typically processed within 10-30 days.

For medical coverage, we recommend at least £1 million for Europe and £5 million for worldwide (especially the US). Trip cancellation coverage should match your total trip cost. Baggage coverage of £2,000-3,000 is typically sufficient.

Many policies exclude pre-existing medical conditions. However, some insurers offer coverage for declared pre-existing conditions at an additional premium. Always declare your full medical history when applying.

While not essential, domestic travel insurance can cover trip cancellation, lost baggage, and accidents. It's particularly worth considering for expensive domestic trips or adventure activities.