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Travel Insurance Always take adequate Travel Insurance however you travel & shop around for it.

In the UK, travel agents own insurance is often very expensive - profit margins are so small on holidays that they need to make a large profit on the insurance (though sometimes it is also free/cheap as part of a booking promotion) (An example: Insurance for a family of four for one week from Travel Agent: £160 (typical average price). From Insurance Broker: £65 for a whole year !)

Try the Internet, Supermarkets like Tesco and Sainsbury who have moved into this area, or even the chain Chemists like Boots and Lloyds who also now do travel insurance

Whatever you buy, check what is covered carefully.

Contrary to popular belief, the British Embassy is under no obligation whatsoever (in any country) to ship you home free in the event of an accident or all your money & tickets /stuff being lost or ripped off.

Neither are they compelled to lend you money to get home.

Only very basic medicare is available under the British/European "E111" reciprocal free medical scheme - Dutch Hospitals give a very good, with a fast service, but it aint free -based on personal experience !!

Lets not even think about the cost of hospital bills & an air ambulance in the (hopefully unlikely) event of you falling down some of the notoriously steep Dutch stairs while off your trolley on the local weed/alcohol and breaking your leg !

As you can guess this has actually happened, - to a visitor to this site - she, sensibly, had travel insurance .

In the event of cancellation it also covers, in certain cases, e.g, certified illness, the refund of your hard earned money from the travel agent.
So, get covered from the day you book flights/packages.