travel insurance. You may also be on holiday in a spot with a climate thats absolutely different to what you are used to – in cases like these, you could need medical aid, with your travel insurance plan handling the expenses of medicine, diagnosis, treatment, or transport from and to a local hospital or infirmary. The precise coverage of a travel policy differs from case to case. Be careful about a policy without this coverage as these costs can mount up. Drugs and liquor Many policies will exclude any damage or injury suffered while under the influence. Check this fastidiously as it might be disputable what matters as under the influence, especially apropos light, social drinking.