Some handy tips on arranging Travel Insurance.

You're young at heart, free and out to have fun - it won't happen to you - will it? Unfortunately' things can go wrong for anyone and it's best to be sure that you are covered for any eventuality - just in case!

Always make sure that you have decent travel insurance even if you are just taking a quick trip to UK, and that it provides decent cover (including an air ambulance to evacuate and repatriate you if necessary). Without it, you could face huge bills upon your return. You need to know exactly what you are and aren't covered for:

• Is your travel insurance cover comprehensive? Make sure adequate medical and repatriation cover is included, and personal injury as a result of terrorist activity.
• Where are you going and how long are you going for? Make sure you're covered for every destination and the entire duration of your return trip.
• Most insurers will only cover UK residents, so make sure your policy covers residents of whichever country you live in.
• If you have any current or pre-existing medical conditions, be sure to disclose them to your insurer. If you don't, it could affect your claim.
• Bear in mind that you may not be covered if the medical conditions of close relatives, whose failing health cause you to cancel a trip.
• Declare and get extra cover for any very valuable items you are taking with you such as watches, cameras or laptops and other equipment etc. unless your home contents insurer cover these items whilst you are travelling.
• If you are resident in an EU country and you're travelling within the European Economic Area or Switzerland make sure you get a free European Health Insurance Card (EHIC) which may entitle you to some but not all emergency care - but you will still need travel insurance to pay for costs not covered by the EHIC, additional travel costs and repatriation.
• Keep a copy of your travel insurance policy details saved in your secure email account as back-up. Keep any paperwork, such as tickets, receipts, medical bills, police reports, etc, in case things go wrong.

Make sure you have the following with you when you're abroad:

• Name of your travel insurance company
• The travel insurance company's 24-hour international emergency telephone number.
• Your policy number
• It is also useful for your family and friends to have this, too

Some travel insurers provide all this information in one convenient credit card sized document.