Good medical insurance is important wherever you go in the world and for however long you are away. Some countries have agreements with the UK but this might not cover all the expenses involved in medical care abroad. If you are a resident of the UK, UK national, part of an EEA state or a refugee resident in any of the above collect an E111 form from your post office before you travel abroad. This will allow you reduced or free cover in any of the EEA states as well as Iceland, Liechtenstein and Norway.  If you have an E111 form you will still need insurance to cover repatriation in the event of illness or death in some cases. Shop around…and always read the small print…especially if you suffer from an existing medical condition or are pregnant. Make sure the insurance is adequate if you intend to take part in any sports or activities you would not ordinarily take part in at home. If travelling to a developing country with less adequate medical services ensure that your insurance covers repatriation to fly you home if you need medical treatment. Always carry your insurance papers with you…don't leave them in the hotel - you never know when you might need them!  Always carry your identity papers on you -- in many countries it's required by law. If you are allergic to any medications, put a note to that effect in with your identity papers -- don't assume you'll be conscious to give the doctor any details!

 Special Insurance Policies
For most travellers, getting an insurance policy involves a few phone calls, search on the web or a visit to their local travel agent. However for those who do not meet the common criteria because of age or pre-existing medical conditions, finding an affordable insurance quote that also offers reassurance and a suitable level of cover, can often be a problem. At TravelHealth.co.uk we receive many e-mails each week from people looking for such cover. We have put together a list of insurance companies who from our limited research offer a range of cover for travellers with special insurance requirements. While we are unable to recommend a particular company, we hope the information below will help those travellers who need just a little more cover than the conventional policy is able to offer them.