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Finding a good travel insurance deal is a balancing act: you don't want to pay through the nose for a premium but you want to make sure you have suitable cover. At up to £10,000,000, Budget's medical cover is well above the minimum a traveller would want, and the personal belongings cover at up to £2,000 is satisfactory. There's also unlimited emergency help and various other benefits, plus the option of add-on winter sport and business cover.

Then it's a matter of making sure you know exactly what is in the policy and comply exactly with its terms. As with most travel insurers, Budget will require you to disclose any previously existing medical conditions - if you don't, you may not be covered for any treatment you need while you are on holiday. With exceptions like that aside, you will be able to get an immediate quote on the site at www.budgetinsurance.com. There's also an age limit on Budget travel insurance, but if you are over 65 they will direct you to another insurance policy, Medicover.

Budget travel insurance: a streamlined process

It's worth noting that Budget is in its own words a 'pioneer of paperless insurance', having introduced call recording to eliminate the need for filling out and sending forms. This, it might be imagined, could be a mixed blessing in the clarity department if you are trying to make a complicated claim. But Budget say that the time they save with their modus operandi means that they 'are able to offer premiums well below others in the market'. When buying travel insurance, like any kind of insurance, compare quotes and policies carefully before making a decision. It takes a bit of time but the money you save may be worth quite a few extra souvenirs.


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