Travelling without insurance is like travelling without your passport, you just don't do it. This is something which has become even more important since the emergence of Corona Virus or Covid 19. Travel insurance will cover you for the vast majority of things that could go wrong with your holiday. To name just a few of the major features, it can help replace lost luggage, refund cancellations, ensure you get medical treatment, and get you home if you get stuck abroad. It's pretty handy, and while we always hope to never use it, you could find yourself completely lost without it. As with anything if you have a particular worry check the small print. While I'm sure you're a very well behaved individual it's worth noting that travel insurance often wont pay out for accidents that are the result of intoxication. I'm not saying they will breathalyse you and if you've had a drink they wont pay out, just that if you've had 12 drinks and fallen down while streaking across the beach they may take a pretty dim view. You'll also have to let them know in advance if you plan to do any extreme sports or want your golf clubs insuring.
As you'd expect the best way to get a cheap travel insurance deal is to shop around. Personally I've always found Travel Supermarket to be the best comparison site it's easy to use, only takes a few minutes, and the deals are usually as good as you're going to find anywhere. As with any comparison site they will usually order policies in price order, but that might not be best for you. I would always suggest just quickly checking on sites like trustpilot to ensure you're getting a genuinely good policy. On that note I will just quickly mention Travelinsurancesaver.co.uk who I've used on several trips. They have an exceptionally high trust pilot score of 4.8 out of 5 and cover everything you'd expect. Because they are a relatively small company they are easy to get hold of if you do need anything, they cover most sports as standard, and they are one of the best providers of insurance for people with health issues, so if you've been turned down elsewhere give them a go.
It's really important to get travel insurance early to get the best deals, and to ensure you're protected. It's always the first thing I do once my holiday booking has gone through. Well actually the first thing I do is post on Facebook that I'm really excited my booking has gone through, but travel insurance is a close second. Up to this year I'd have always said to get annual policies if you're planning more than one trip in a year, but now I'm less convinced. Sure you might be planning six trips, but if you end up locked down for half the year that might significantly change things. So what I'd say is if you manage to go on more than two trips you'll save money getting the annual insurance, but it's a small gamble this year. Also don't try to be clever and not disclose a health issue you think will affect your premium as you just know it'll flare up while you're away and invalidate you're claim. If you have any doubts about if you should declare the condition contact the insurer in advance.
There's always the possibility you wont actually need to book travel insurance if you have a bank account that includes a policy. Chances are you'll already know if that's the case, and you probably got the account because that was one of the perks, but still it's best to double check. It's very rare that it's worth getting an account just for the travel insurance, but if they have a few other bonuses you think you'll use like phone insurance, or house insurance it might be worth looking at switching. Finally, and this isn't actually about travel insurance, more just a top up to it, if you're travelling in Europe make sure you have your European Health Insurance card. It's free so why wouldn't you take it? It doesn't cover you for anything like as much as travel insurance does but every little helps. At the time of writing I have no idea if it will still be valid after the Brexit transition period ends.
Enjoy your holiday and don't forget you'll probably need a face mask both on the plane, and when you get to your destination.