If you come from a country that has a free or subsidised national health system, then you may not be aware of the true cost of healthcare. Not every country has such a system and, even if they do, free health will usually not be available for visitors or tourists. If you are unprepared and have an illness or accident while abroad, you may find yourself facing a hefty medical bill.

You never know when an accident or illness may occur. You might slip on a newly polished floor in your hotel and break a leg, your taxi might be involved in an accident causing head injuries, you might eat food that is undercooked or drink contaminated water resulting in a stomach infection, or you might have a heart attack. These things often occur when we least expect them.

To be prepared for such an eventuality, you must take out travel insurance before you leave your own country. Travel insurance covers other things, such as loss or theft of personal possessions, disruption to holiday plans and emergency repatriation, but one very important aspect of travel insurance is to cover health related costs.

Most t ravel Insurance companies provide customers with an emergency medical helpline that is operational 24 hours a day, 365 days a year. Each individual is important and each case is unique. In each case, the operators will give the customer the most suitable and practical advice and will arrange appropriate medical treatment in the destination country or, if necessary, arrange repatriation to their home country.

The amount of medical insurance cover can vary according to the type of holiday and the length of stay. If you just want to relax on the beach or by the poolside, then you may not require the same amount of cover as a person on an adventure holiday, such as skiing or mountaineering. Make sure that the amount of medical cover in your insurance policy reflects the requirements of your type of holiday. Regardless of what policy you are looking for, reputable insurance companies will have a policy to cover your needs.

If you have the right insurance, you can be confident that, should you fall ill or have an accident while on holiday, you'll be able to get the medical treatment you need.

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