Making a list of what you need before you set off on holiday is always a good idea. For many people the excitement of a holiday means that they inevitably forget to pack something. Of course, when it's a pair of sunglasses or some toothpaste, it's not such a huge deal. However, if you were to forget something important like your passport or travel insurance, it could have an adverse affect on your holiday.

Travel insurance should be the first thing you consider when you decide to book a holiday. It is usually a rather inexpensive addition to your holiday costs that could end up saving you thousands of pounds if something goes awry.

Like other insurance policies, most travel insurance agreements act to protect you in the event of a cancellation, lost luggage, changes to your holiday plans, lost tickets and medical emergencies.

Imagine if you are off in the far reaches of some exotic location when you fall ill. Travel insurance can help cover the costs of your hospital and ambulance bills. Normally having to pay for such charges on your own would cost you thousands and whilst we all hope we will never have to face such circumstances when we are on holiday, it's best to be covered for every possible situation.

How would you feel if you arrived for your two weeks in a Mediterranean paradise to find your baggage had been put on a plane headed for Australia? No clothes, no toiletries - nothing but the shirt on your back. If you have travel insurance, then it is possible to be reimbursed for any bits and pieces you require to tie you over until the airline returns your baggage. Without it you would have to pay out of your own pocket, which definitely wouldn't be the best start to your break.

There will also be times when you've booked your holiday, but sadly, something untoward happens in the family. Given this, you would want to postpone your holiday and be close to family and friends. Most airlines and travel companies will be sympathetic toward your circumstances, however, there may still be a charge involved in moving or canceling your holiday. Again, travel insurance can help cover these costs and remove some of the stress from a difficult circumstance.

Another advantage to travel insurance is that you can purchase it to cover many situations; whether it is for one trip, multiple holidays or as an annual policy. And once you have the necessary travel insurance in place, you can be sure that your holiday is covered to allow you to enjoy the best experience possible.

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