How to avoid travel insurance traps

Hannah Ricci

Owen Humphreys/PA

Travel insurance should be high on the holiday checklist yet a staggering four million Brits have never brought cover for an overseas trip. While those that always buy insurance may assume they are protected in the event of problems abroad, many continue to be stung by the niggly small print.

So what should you check to avoid being caught without cover when you need it most this summer?