Tourists in the UK who are planning their travels abroad have been advised to 'avoid problems' by ensuring that they take out adequate travel insurance cover, according to the financial website, Myfinances.co.uk.

Holidaymakers can be faced with a variety of problems should something go wrong during a trip, with foreign hospital care often proving costly. Also people losing their luggage, needing to undergo medical treatment or being forced to cancel their trip are some of the most common reasons for travel insurance claims, according to Tesco.

Those who are intending to undertake extra activities are advised by the Foreign and Commonwealth Office to ensure that they purchase additional cover.

Mike Pickard, the head of travel insurance at Esure, said: " With a surge in the popularity of, and access to, more adventurous sports and activities at holiday resorts across the globe, it's crucial for holidaymakers to take out travel insurance and check they're covered."