After buying a dream holiday abroad, most peoples attentions turn to blue skies and sun-kissed beaches. But perhaps travel insurance should be the first item on the holiday shopping list.
Rather than waiting until the last minute, there are significant advantages for those who buy travel cover early.
Telegraph Money rounds up five reasons why holidaymakers should not leave their travel insurance purchase until days before departure.
Travellers have been left out of pocket when airlines such as Monarch and, more recently, Primera Air have collapsed.
All Monarch passengers were flown home by the Civil Aviation Authority, the industry watchdog, at no extra cost to the individual.
However, those who were due to fly with Primera were left out of pocket and must try and claim their money back through their credit card provider.
Travel insurance policies can provide cover against this happening, paying out if consumers haveproblems with their airline.
One of the main reasons to take out travel insurance is in case the worst happens while away on holiday. But insurance can come in handy if illness means the policyholder is not able to make it in the first place.