All travel today contains an element of risk, and it is always recommended to have insurance of some sort, depending on your circumstances and your travel plans and itinerary.

The main areas to decide upon the level of cover required are:

·         Medical expenses

·         Personal accident

·         Cancellation or curtailment of your trip

·         Travel delays

·         Baggage and personal belongings

·         Travel documents and cash

·         Personal liability

·         Legal costs

·         Extreme sports and adventure activities

You can bring down the costs of insurance if you are willing to take on some risk yourself in the form of increased excesses, i.e. the larger the amount you have to contribute in the event of a claim the lower your premiums will be.

Each country you travel to or through will have different risk profiles, which means that the level of cover and the costs thereof will differ, so by rearranging your itinerary slightly to include or exclude a certain country or region you may save a lot in insurance.

The World Nomads site has insurance cover depending on the countries in which you are travelling