As the weather is heating up we all look at escaping into the sun, but before you head off on that holiday ensure you have the necessary travel cover.

Accidents happen when you least expect and is the last thing you want to happen when your away. But having the relevant travel insurance can really put your mind at ease.

Travel insurance providers offer different policies, it is vital to check they cover what you want.

The main coverage we want is to have medical expense cover. The cost of treatment abroad can be staggering, this will cover you the cost of treatment and your stay in hospital.

Also popular is cancellation cover, most holidays are booked and paid for months before you leave and as you know life can throw up the unexpected. If for any reason you need to cancel your holiday having cancellation cover will mean you can get your money back.

When taking out travel insurance be sure to read your terms and conditions as some providers will limit the amount they pay out.