With so many stresses and uncertainties in today’s age, it’s little wonder that folks look forward to their annual holiday with so much passionate enthusiasm.

So important is the break away from it all that many people not only use all their hard earned savings to have one, but many go into debt too just to get as far away from it all as they can.

Tip! It’s a good idea to include holiday insurance in case of unforeseen events like accidents, theft or sickness. A holiday loan is a short-term loan.

But, putting aside the sun, sea, sand, lakes, mountains and forests, how many of us actually think seriously enough about the holiday insurance amid all the excitement?

Unfortunately, with so much focus on the holiday and all the pleasure that goes into planning it, there are a lot of people who overlook the importance of holiday insurance and especially those that plan independently without the assistance of a travel agent.

Many save the cost and plough the extra into the vacation, while others take out inadequate cover. There’s also that old feeling that holiday accidents and nightmares are things that only happen to other people.

In the stupidity of my 20’s I went on a 13 month backpacking tour of the world during 1990/91 and I took out absolutely no holiday or travel insurance cover of any description.

I was just 26 at the time and felt better, fitter, and more cocksure of myself than at any other time. I jugged across Europe on a real unstable Yugoslavian bus with no windows and small plastic seats, island hopped around the Mediterranean, bummed around India during the monsoon season, and trekked for a month in the Nepalese Himalayas.

There was also white water rafting expeditions, unsafe boat trips across the Indonesian archipelago, and lots of jungle treks. I could go on and on, but although I was extremely lucky I could have gotten myself into some very costly and dangerous situations.

I came across a number of fellow travelers during that long journey who got so sick that they had to fly home for treatment as soon as they had the strength to board a plane, and they were the lucky ones.

But the fact of the matter is that some people, sometimes, get into accidents and illnesses that run into tens of thousands, and occasionally hundreds of thousands of dollars worth of treatment. Just think about how you would pay for that without an adequate holiday insurance policy!

Luckily, on my trip, I just suffered minor complaints like worms under the skin, gardia (severe dysentery), altitude sickness, dengue fever, and some kind of airborne fungicidal rash which made my body look like and ordinance and survey map of the world.

All of the afore mentioned were treated locally and relatively cheaply, but any one of these complaints could have turned the other way and become very complicated.

Tip! Who needs travel insurance for a holiday in Britain? The National Health Service is free and in an emergency, my son could drive up and bring us home.

Whereas I was lucky, there are many thousands each year who are not. People die because they don’t have holiday insurance or the funds for treatment after a fatal accident or illness.

Don’t fall pray to a holiday from hell medical disaster and put holiday insurance at the top of your planning list and make sure all your papers are in order before you set off.

You deserve your vacation and you deserve to be covered, for peace of mind for both yourself and your loved ones.

On a lighter note, should you get stranded, robbed, lost and not be able to depart when you are scheduled to leave, a good holiday insurance policy will once again come to the rescue and potentially save you a fortune.

There’s a holiday insurance policy to suit every type of trip for all eventualities. Happy traveling!

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