This always seems like an unnecessary expense when booking up to go away, but pound for pound, it is worth it. Loss of luggage, a pick-pocket, even a minor infection or accident can ruin a holiday, and then you will have lost not only the cost of the holiday, but also the expense of getting new passports, getting cash, or of getting home.

Travel and medical insurance, for what it is, is very economical. You may not draw on it this time, but you know that at some point you will need to, and it will be worth its weight in gold.

There are some amazing deals to be had by shopping around for the best deals on line. Check out the supermarkets, their policies are low cost and robust, but the online agencies be equally as good and may well charge less. Use personal recommendation to find the best one to suit you.