Stories of misfortune while travelling are not hard to come by, the old favourites including personal items or money being stolen or lost, transport being cancelled or missed, accommodation falling through, accidents on the ski slopes, a bad dose of the trots, the list goes on These are all potentially nightmarish situations, the anxiety of which can be somewhat lessened, if not removed, with the right travel insurance.

Depending on your age, destination and budget, you can now refine your travel insurance policy to suit your individual needs. These days the importance of Travel Insurance goes far beyond protecting yourself from pick-pockets abroad or losing your luggage in transit.

Travel Insurance brings with it many often unanticipated benefits including monetary compensation for lost/stolen belongings or cash, medical cover, personal accident cover (for long-term illness/injury), cancellation fees and repatriation just in case you need to be flown home in an emergency, although this is quite unlikely. Such occurrences are possible however and we hope that you never have to experience any but that's not to say they don't happen and for peace of mind and a carefree holiday, even the most frivolous traveller can be covered for little cost.

And the best thing about travel insurance is that some smaller companies cover adrenaline sporting activities too. With new risky hobbies cropping up around the globe regularly and their followers growing evermore passionate, it's a wonder not every provider can offer affordable, all-encompassing Travel Insurance.

A great development with travel insurance is that more and more smaller companies offer cover for adrenaline sports too. With new risky hobbies cropping up around the globe regularly and their followers growing evermore passionate, it's a wonder not every provider can offer affordable, all-encompassing Travel Insurance.

Finally, if you're about to set off on your journey and you realise, at the last minute, that you have forgotten to arrange travel insurance cover, don't stress because you can buy a travel insurance policy from most providers over the telephone or from any pc with an internet connection (provided you use an insurance company that has a website sales facility) and it will be issued to you immediately. You won't need to carry papers as your insurance is valid as of the second you buy it and if you don't have the facility to print off your policy or policy wording, we will email it to you so that you can keep an electronic copy with you. If you have any questions your provider should never be further than a phone call or email away. So if you're in the airport reading this, don't panic. Call or email a competent, competitive travel insurance provider they should sort it so that you can sit back and enjoy your journey.