Abta, the travel association has estimated that 24 million of us are likely to go abroad for a holiday this summer, especially now during the half-term break. Whilst the majority will be sensible enough to take out travel insurance there will still be those who are intent on achieving a truly ‘budget’ holiday.

The first (and most exciting) aspect of planning a summer break is choosing your destination followed by booking your flight and accommodation. Millions of holiday makers scour the internet in search of the cheapest flight or all-inclusive package deal and when all is arranged many will begin searching for an insurance policy to suit them.

Travel insurance is one of those things that people tend not to know much about and it’s easiest to go with the first option that you come across and easier still to overlook it altogether. Some do not consider travel insurance at all thinking “well, it won’t happen to me” and consequently are putting themselves at risk of having to pay huge sums of money to cover their loss when things go wrong. Not purchasing travel insurance, agrees the department of Health, is a terrible idea as even the most basic policies cover the essentials such as cancellation, medical expenses and repatriation, and lost and stolen possessions.

To avoid serious expenses we recommend purchasing adequate and appropriate travel insurance as well as remembering to pack or apply for the European Health Insurance Card (EHIC) before you leave. This will help you cover the cost of any state-provided treatment necessary when visiting countries in the European Economic Area (EEA).

Happy holidays!