What should be covered on a standard travel insurance policy?

Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

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Do you need travel insurance if you are travelling in the UK?
If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
Can you explain more about family travel insurance?
If you are going on a family holiday, you could get a better deal by taking out family travel insurance.
What should you do if you want to complain about your travel insurance?
Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.
Do you need special travel insurance for ski-ing holidays?
At the very least you should top up standard travel insurance with ski cover - but you are probably better off buying a specialist ski or extreme sports travel policy which gives you more extensive cover.
What should be covered on a standard travel insurance policy?
Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:
Cancellation – if you have to cancel or curtail your trip due to illness, death, redundancy etc.

Missed Departure – through no fault of your own either from or to the UK.

Personal accident – that results in permanent disablement or death.

Personal Public Liability – should you injure a member of the public or damage their property.

Medical expenses - this should include cover for emergency medical treatment, hospitalisation, dental treatment and repatriation.

Loss of passport/driving licence – expenses to cover the cost of replacing either or both documents.

Personal luggage – cover up to specified limits if your personal possessions are lost, stolen or damaged.

Legal Expenses – to pursue damages or compensation for personal injury that occurs abroad.

24-hour worldwide emergency service – to assist with all the arrangements in the event of an emergency.