Searching for the right medical insurance isn't necessarily the hard part — it's finding good quality insurance that doesn't compromise on cover for cost.

With a Holiday Extras policy, you can get up to £10 million worth of medical insurance should anything happen to you while abroad. While this initally might seem like an enormous amount, and maybe even unnecessary for you, the cost health care abroad is wildly more expensive than it is at home in the UK. Without the NHS, you can be looking at huge medical bills for an ambulance and emergency medical consultation abroad. If travelling uninsured, the bill will fall on you.

If you currently have a pre-existing medical condition, or have previously had one, then you will need to declare your condition(s) during the medical screening process which, based on your condition, will elevate the price of your policy depending on the level of "risk" associated with it.

How to declare a medical condition

Below you will find a detailed idea of what to expect from the questions and format of our discreet medical screening process:

If you can't go on your holiday for unforeseeable circumstances or reasons beyond your control, with a travel insurance policy you can claim on holiday cancellation cover to reimburse any money you lose out on by having to cancel your trip.

Depending on the total cost of your holiday — from money spent on flights and airport transfers, to accomodation and pre-paid expenses for excursions — you can select a cover level which appropriately covers the amount paid by a traveller to go on the trip.

We offer cover which can pay up to £5,000 for your share of any lost pre-paid expenses which you cannot get back or be transferred.

If you have to cut your trip short (curtailment) if any of the following reasons happen while on your trip: a family member, travelling companion or business associate becomes ill, injured or dies. You might be called for jury service, or be a member of HM Forces and have your leave orders cancelled.

It can be one of the most stressful and irritating situations to happen while you're on holiday. Sadly, it does happen. Losing your luggage while in transit — either by the airline, or a transfer — is the last thing you want to happen.

If your checked-in baggage is delayed and does not arrive at your trip destination within 12 hours, we can pay up to £500 in compensation.

No one wants to think of the absolute worst happening, but sometimes it pays to be prepared and understand what exactly you're covered for. Repatriation insurance covers you for an unexpected return journey home due to medical reasons and is included under emergency medical expenses.

With a Holiday Extras insurance policy, with Silver, Gold and Platinum you can get up to £10 million for medical expenses and repatriation. Should there be an emergency, things like transportation, medical escorts and even possibly air ambulances all add up.

If you're at all worried about your children going on holiday on their own, you will be pleased to know that all under 18s receive the same level of repatriation and emergency medical expenses. We can even provide a responsible escort to accompany them home if needed.

You can claim on your travel insurance if you are late in checking in at your international destination for any of the following reasons:

• If you miss your pre-booked departure from your home country (outbound) because your flight, train, bus or boat (public service) was delayed, cancelled, or affected by extreme weather or a strike.
• If while on the way to the airport your car breaks down, or you're involved in an accident and makes you miss your departure.

If any of the following scenarios happen we will pay you:

• Up to £1,000 for the cost of alternative transport you had to take to get to your destination.
• Up to £500 for the cost of alternative travel and accomodation arrangements you had to make in order to reach your destination.

If your departure from your international departure point was delayed by more than 12 hours because of a disruption to your transport providers' service, we will pay:

• Up to £100 for every 12-hour period that you are delayed
• With a maximum of £800