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We live in a world that is rife with an uncertainty where ever we go. No matter what we’re doing, be it setting off on a regular day to work, or going on a long-awaited vacation, accidents can happen at the most unexpected of times.

According to the World Health Organization, injuries from accidents are one of the leading causes of hospitalization, repatriation and even death amongst travelers. The chances of accidents happening overseas are especially because of an unfamiliar environment, differences in language, and less stringent safety standards. Sometimes, the fault lies with us too – factors like a carefree holiday spirit and an overreliance on tour operators to ensure our safety may lead to us taking more risks.

Faced with such increased risks, getting travel insurance is a small price to pay for the reassurance that you’ve got yourself covered.

Travel insurance policies cover the obvious problems, like accidents or an illness, a stolen wallet or purse. Travel insurance cover also provides compensation for delays and cancellations, for damaged or lost luggage, and often includes a telephone helpline for use in emergencies.

It's worth bearing in mind that opting for the lowest priced plan may not always the best option. People often buy travel insurance in much the same way as their motor insurance - they consider it a grudge purchase and typically opt for the cheapest level of cover available.

However, unlike car insurance, travel cover is not a legal requirement and its purchase need to be differently. Adopting a blasé approach can mean you end up with a policy that refuses to pay out in the event of a claim, meaning the dollars you save today could ultimately leave you out of pocket in the event of a claim.

If you generally take a lot of high value items on holiday, such as iPads or expensive sunglasses, no-frills policies simply won't give you the cover you need. Similarly, if you are going skiing, snowboarding or bungee jumping look carefully at your chosen policy to check you're covered.

By getting travel insurance prior to your trip, you may even get compensated for not being able to make the most out of your holiday. Travel insurance lets you win either way – either with generous monetary compensation or by giving you peace of mind to truly enjoy your holiday without worrying about accidents.

At this point, you might ask: Is travel insurance guaranteed to FULLY cover my losses? Well, to answer that, you’ll need to look at the maximum amount that an insurance plan pays out in the event of a particular accident. Fortunately, GoBear is here to help by providing these information for all areas of coverage.

On top of this, GoBear helps you win right from the start by providing reviews from previous users, giving you honest insight into the usefulness of each policy. These let you gain by learning from the experiences of others, enabling you to make a more informed decision.