Travel Insurance Terms Explained
 

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Travel Documents - Tickets, passport, etc.

Non-refundable items such as your inter-rail ticket, pre-paid travel tickets, pre-paid passes to tourist attractions etc. You lose your inter-rail pass in Munich, you'll have to fork out another $400.00 before you can go anywhere. If you're covered, the insurance company will pay. This does also include documents like passports, driving licenses etc. Generally the money covered is the stuff you would have to pay to make the phone calls, courier the passport to where you are etc. The limit for a lost passport will be set (read the small print), probably around £100 - £200.

So, how much do you need? If you don't have any pre-paid tickets, are a really careful person or are staying in one place for most of your trip, then you may choose not to bother getting cover. If you have pre-paid tickets etc. add up the value and then work out how much you need to be covered for.

After some basic cover? £50 - £150 is usually sufficient to pay for a few phone calls, a courier etc. If you're going somewhere remote then maybe stack this up a bit more.