If you are only intending to travel to Europe there is no need to purchase worldwide travel insurance. But be aware if you intend to purchase and annual insurance and you have not decided on a second holiday location, for a few pounds more it may be costs effective to have a worldwide policy.
You can save money on your medical direct line travel insurance by not opting for winter sports. However is you are intending to do some skiing or similar you should ensure that you are fully covered for winter sports as it is normally not included as standard, and you policy will not be covered you should you have an accident.
Just like car insurance many companies apply an excess charge to any claims. This varies from company to company and some give you the option to pay a bit more have their medical direct line travel insurance policy excess free.
Often when on holiday you may get the option of participating in certain water sports such as jet skis, or even paragliding above the sea. You should check if your medical direct line travel insurance would cover you for such activities. If not make sure you buy or have insurance from the water sport service provider. Unfortunately many companies do not offer insurance and in fact get you to sign a disclaimer stating you will take responsibility if an accident should occur.
There are some companies that only sell travel insurance, look through the options available here at Financebam. Their speciality in the subject of medical direct line travel insurance may be just right for you.
