Ensure that the travel insurance policy you want to opt provides you with full refund of your costs in cases when the trip is cut short or is cancelled for any particular reason. Also, find out if the policy has a 24-hour emergency service.
While opting for a travel insurance policy you can buy travel insurance online. In many cases you have to pay less per premium than what you would be asked for by an agent.
It is not mandatory for you to purchase travel insurance from your tour operator. However, if they say or demand so in order to allocate your name for discounted holidays then you can surely report the event to the local trading standard office.
