Tell the world where you plan on going. The is a great way to share and learn from others. Just think, if someone has been there, they can tell you the fun things to do, places to see, places to stay, or great resturaunts to eat at. It is an excellent way to get ideas before you go.

Although perhaps not the most glamorous topic in the world, travel insurance is nonetheless an essential part of the holiday process. And unlike the fairly straightforward process of asking ‘which hotel should I stay in?’ getting the right travel insurance can be as confusing as it is frustrating!

This is, hopefully, where I come in. As the managing director of Insuremore, I like to think I know a fair bit about the whole area. I’ve assembled this guide as something of a ‘top 10 things to look out for’ when purchasing travel insurance.

And the common question I get asked all the time is whether I think travel insurance is worth buying. Given my line of work, it’s pretty inevitable that my answer will be ‘yes’ but the reason isn’t just because of the extra money it will ensure I receive! Y’see it’s true that the majority of people go on holiday, have a memorable time and come back without any ill consequences, but a small percentage of people will have an unexpected hospitalization or find that their flights are canceled. And believe me, in those instances trying to get help without travel insurance is not only expensive, but horribly stressful. Indeed, the best benefit of travel insurance is the peace of mind it gives the policy holder. A holiday should be about relaxation (or possibly getting your skin to become as lobster like as possible judging from recent case studies!) and how can you relax when you’re constantly on the lookout for illnesses or injuries? I’m sure that even if you could have relaxed before reading this, you will be worried now! So without further ado:

1)Don’t leave your travel insurance until the last minute

Okay, people don’t like to spend money – especially immediately after dropping a load of cash on an expensive holiday, but not getting your travel insurance sorted out immediately can be a massive mistake as you miss out one of the key aspects of it – cancellation cover. Although you may think that there’s no way you’ll cancel, life is full of the unexpected, and we deal with people canceling their holidays due to family emergencies everyday.

As your holiday gets closer and closer, the chances of you needing to cancel are heavily reduced, so you completely lose the benefit of part of your insurance if you don’t sort it out nice and early.

2)Don’t settle for single trip cover if you’re going on holiday more than once

On the subject of single trip cover, is that really what you need? According to a 2004 study by Alliance & Leicester, 2/3rds of people plan to take two or more holidays a year. If you’re in the majority here, then single trip insurance will not be the best priced option (unless you have a phenomenally good value insurance provider) and it’s worth considering multi-trip or annual.

3)Your E111 health card alone will cost you for medical cover

Don’t think that just because you have your E111 European health card you will be covered for free – that’s a myth. You do need the card to show hospitals in the event of an emergency, but you will be charged by the country’s private healthcare system. Make sure your travel insurance covers illness and injury!

4)Be honest about any medical conditions you have

On a similar note, make sure you tell your insurers of all your medical conditions even if they seem irrelevant – too much information is a good thing in this case, as not providing details could later invalidate any claims you need to make.

5)Get the right policy for your holiday

Just like how there are different holidays for different tastes, there are different policies for different people. If you’re looking to go backpacking, skiing or mountain climbing, you’re going to need to track down a policy specifically for these activities to ensure you’re covered in the event of an accident.

6)Buy for the family and save

As I’ve already mentioned, there are different types of insurance for different cover – generally, companies offer single, multi trip, annual and family travel insurance policies. Predict how much you expect to be abroad and buy accordingly. If you are in a family, then it stands to reasons that family insurance is a good option – and some policies include the insurance of under-18s for free!

7)Know exactly what you’re covered against

Cheap travel insurance may seem like a bargain – and there are plenty of legitimate companies offering cheap travel insurance out there – but make sure you go through the policy with a fine tooth comb to ensure you’re not missing out on key coverage, such as cancellation and theft. As a rule of thumb, if something seems too good to be true, it probably is!

8)Check out the excesses on the policy

Actually, it’s worth going through any travel insurance policy with a fine tooth comb – cheap or otherwise. The excesses on different policies can make a huge difference, and it’s a good idea to find a policy with a lower or no excess on an area you think you are more likely to end up claiming on!

9)If you’re under the influence, then you won’t be covered

Sounds obvious, but we often get claims like this, so I’d best cover it: No travel insurance company will pay up on any accidents occurring while the policy holder is under the influence of alcohol or drugs – the policy is not there to allow you to behave more recklessly than you normally would!

10)Look for a company that covers against acts of terrorism for peace of mind

In the current climate, insurance against acts of terrorism is something we’ve found people to be calling out for, and sadly, most companies do not offer it as default with their policies. If I may be allowed a brief plug however, it is something that we at Insuremore include in our travel insurance packages for that extra peace of mind. If it is something that’s worrying you, it is worth ensuring it is part of your policy.

There's no denying that it has become more and more difficult to fly without running into snags or problems with the airport or the airlines. Enduring the line at the security check point in some airports is enough to put some passengers in a bad mood. However, despite all of the inconveniences that come with flying, it is a necessity. There are several things that can be done to make flying easier and more hassle free, and all that is involved is a little bit of common sense and planning.

1. Get to the Airport Early
Arriving at the airport early is a no-brainer, especially when the airlines tell passengers to arrive at least two hours prior to a flight's departure time. However, there are many people who refuse to heed this request, and arrive at the airport just several minutes before a flight is scheduled to leave. If there is a line at the check-in counter or at security, this can create a very stressful situation. Not only may the flight be missed, but a new flight must be booked, and the passengers will probably have to travel stand-by on a later flight with no guarantee of a seat until the very last minute.

2. Take a Morning Flight.
Leaving on an early flight does not necessarily mean a 4 a.m. flight must be chosen. However, flights that leave first thing in the morning are less likely to be running late, and they are less likely to be affected by weather problems across the country and/or other planes that may be delayed at other airports. Also, if for some reason the first flight of the day is canceled or delayed, there will probably be several other flights throughout the day that, if necessary, can be taken instead.

3. Try Not to Fly During "Rush Hour"
Airports, like highways, have rush hours. Typically, rush hour in the morning is from 8:30 a.m. to 10 a.m., and in the afternoon from 4:30 p.m. to 6:30 p.m. These are the hours when airports are the most crowded with people waiting for flights. Crowds mean longer lines at the security check points, more people in the restrooms, more people waiting in restaurant lines, and more people taking up seats in the waiting areas. Flying at a NON-rush hour time of day can alleviate the need to stand in lines and sit with crowds.

4. Try to Take Non-Stop Flights
Obviously, when a non-stop flight is taken, there is less risk of being delayed. Taking off and landing both take quite a bit of time, so avoiding having to do this twice is recommended. There will always be destinations when a non-stop flight is not available, but there are plenty of cities where non-stop flights are just as common as those that stop. It may even be worth a few extra dollars to book a non-stop flight to avoid an unneeded hassle and the possibility of being delayed.

5. Book Connections with Enough Time
If a non-stop flight is not available to a desired destination, make sure to schedule enough time in between flights. When airlines book flights, they often have a layover requirement of 30 or 45 minutes between connections. However, this is often not enough time if the original flight arrives late. In order to avoid this stress, try to schedule connecting flights with at least an hour to spare between the arrival time of the first flight and the departure time of the connecting flight.