Travel insurance at affordable premiums

Know Before You Go

You've booked your trip, arranged you travel insurance and now you're ready to set off, but are you fully prepared?

To make sure you are we are working with the Foreign and Commonwealth Office (FCO) to help British nationals stay safe abroad. The FCO Know Before You Go website offers straightforward travel advice, top tips and up-to-date country information to help you plan your holiday.

The have put together a travel checklist to help you plan for your trip abroad and stay safe while you're there. This general advice supplements the more particular advice we've created for your specific travelling needs.

Before you go

  • check our travel advice pages for the country you are visiting.
  • don't travel without insurance - make sure it covers you for any activities you are likely to undertake including extreme or water sports
  • if you're travelling within the European Economic Area you can get a free European Health Insurance Card for free or reduced emergency care - you still need full travel insurance though!
  • you can call 112 to contact the emergency services in any EU country
  • if you have a pre-existing medical condition, make sure you take enough medical supplies for the duration of your visit and any unexpected delays. Medical supplies may be subject to supply constraints in some countries and in remote areas
  • make sure you've got correct visas for the country you are visiting and that your passport is valid
  • make a note of your passport number and consider taking a photocopy with you and/or storing it online using a secure data storage site
  • tell family and friends where you are going and leave them your contact details, insurance policy details and your itinerary and/or store them online using a secure data storage site
  • make sure you have enough money to cover emergencies and any unexpected delays. Consider taking more than one means of payment with you (cash, debit card, credit card)

When you are away

  • think about what you are doing at all times and trust your instincts - don't take risks that you wouldn't at home
  • don't openly display valuables such as mobile phones or digital cameras and consider using a padlock on suitcases or backpacks
  • find out about local customs and dress, behave accordingly and obey local laws - there may be serious penalties for breaking a law that might seem trivial at home
  • be careful when taking photographs, videos or using binoculars. Such activities may be misunderstood, especially near military installations
  • check with your service provider to make sure your phone works abroad
  • respect the environment - don't buy wildlife souvenirs, conserve resources like water and don't drop litter

For more help and advice, visit the Foreign & Commonwealth Office website or call their helpline on 0845 850 28 29.