Costs caused by getting in trouble while on holiday abroad can be life-changing.
In a recent case reported by Telegraph Money, a young couple who unexpectedly gave birth outside the European Union racked up bills of £120,000 in medical expenses and other costs.
The pair would have had to foot the bill themselves if they hadn’t acted at the last minute to take out travel insurance before their trip.
But perhaps worse than not taking out cover is buying the wrong type of travel insurance, or a policy that will not protect you against the most likely danger you will face during your time away.
Telegraph Money asked Fiona Macrae from consumer advice site Travel Insurance Explained for her top five things to consider before you part with your money to make sure you pay for what you need and get what you pay for.