Get the right travel insurance for YOU.
Getting a good price on travel insurance is easy. Making sure you have the right travel insurance for your own particular requirements is more difficult.
The absolute basics are addressed by most policies on the market: medical cover up to £1m in Europe and £2m in the US, basic cover for your baggage, and personal liability cover (in case you are sued for injuring someone or damaging property, for instance in a traffic accident). But you may want more.
Most policies set their cover for possessions at a level that's adequate for a basic family holiday; it would cover clothes, a cheap camera or two, and a few beach towels. If you're a keen photographer, you may find that few standard travel policies will cover your equipment. It's worth looking for specialist insurance, or taking a more expensive policy that will cover your equipment if it is damaged or stolen. You might also want to pick a higher value if you take a laptop, or are travelling on a cruise with designer clothes and jewellery for sophisticated evenings on board.