INSURANCE TRAPS TO WATCH OUT FOR

DRINKING:

Claims linked to holiday overindulgence will be denied.

AGE:

Some insurers will not cover travellers aged over 75.

DANGEROUS ACTIVITIES:

Some policies cover banana boat rides but not hydro-speeding; hockey, not lacrosse; and riding an elephant but not an ostrich.

COUNTRY:

You cannot assume European cover includes all of Europe. The US may also be excluded in some worldwide policies. Double check your destination is approved.

SCHEDULED AIRLINE FAILURE:

If your airline goes bust the cost of the flight might not be included, though add-on cover can be purchased.

TERRORISM:

In the unlikely event of being caught up in an act of terror, insurers do not routinely cover medical or repatriation costs. But it is possible to buy cover as a separate add-on.