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UK Travel Insurance
Anyone travelling overseas should consider travel insurance. However, it's important not to just take up the travel insurance offered by your travel agent, particularly when they link it in to a package deal. You're not obliged to take their insurance and shouldn't feel pressurized into doing so.
Like any other insurance, you will need to look into what is offered by any travel insurance provider to make sure it is suitable for you. You need to look at the amount covered as well as any specific exclusions. Some travel insurance specifically excludes winter sports such as skiing unless you pay an extra premium.
You can get cover for a single trip, annual insurance to cover the whole year (suitable for frequent travellers), as well as insurance for individuals, couples or families. Also make sure that the insurance you take up is suitable for the geographical area that you will travel. Many companies offer cheaper insurance premiums if you restrict your travel to for instance just Europe. In order to keep premiums down some companies' initial quote is for a double excess policy where you will pay twice the excess in the event of a claim.
Cheapest travel insurance will often exclude claims for lost luggage, lost money or cancellation of your trip. Of course if you are travelling light it may we that the cost of replacing your luggage would not amount to much more than the excess involved in a claim.
Cheapest annual travel insurance to cover the whole world including Canada & USA and winter sports can be obtained for as little as £28. It is certainly worth shopping around. Compare UK travel insurance.