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Travel insurance timing is crucial for UK holidaymakers, with most comprehensive policies requiring purchase within 14 days of the initial trip booking to provide full coverage.
This includes protection against pre-existing medical conditions, tour operator insolvency, and some types of cancellation coverage that aren't available with later purchases.
Given the rising costs of medical treatment abroad and flight cancellations, travel insurance has become essential for UK travellers.
Policies vary significantly in coverage, with some excluding winter sports, adventure activities, or travel to certain countries.
Annual policies can be more economical for frequent UK travellers, but single-trip policies may offer better coverage for specific activities or destinations.




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