Worried about holiday travel chaos? Make sure you have the right insurance

theguardian.com:

After being grounded by the coronavirus pandemic, many UK families are looking forward to going abroad this summer but the recent scenes of travel chaos at airports means buying travel insurance should be top of your to-do list.

The likelihood of widespread cancellations and delays means it has “never been more important” to ensure that you have adequate travel insurance from the moment you book your holiday, says Rory Boland, the travel editor of the consumer group Which?.

“We advise consumers to carefully check the policy wording to ensure you fully understand what it offers and any limitations, as these can vary considerably between providers,” he says. “If there are specific reasons why you’re taking out cover, check these sections to ensure they align with your expectations.”

There is no point wasting money on an expensive policy that does not fit your needs, or finding out that the basic cover you bought won’t pay out when you most need it. Here we take you through the things you need to consider to find the right policy for you.

When you are looking for a travel insurance policy, make sure you read the small print. The level of protection you will need mainly depends on where you are going and what you are planning to do when you get there.

For example, if you are going to a country with expensive medical costs, such as the US, you should consider taking out a higher level of coverage for that. If you are planning on doing any sports while you are abroad, that’s also something you need to factor into your policy.

Also consider whether it is worth getting multi-trip insurance, which could save you money and hassle if you are a frequent traveller. Experts say it might be worth buying if you have more than one holiday or