Holiday Insurance
Basic travel insurance choice is between single journeys and multi-trip annual policies. If you take more than two or three holidays a year, annual may work out to be the most affordable option. These policies cover a wide range of problems, from medical care costs to material belongings to personal liability. At the very least, your policy should cover emergency medical expenses overseas.
Depending on your needs, special policies can be taken out for occasions like winter holiday ski trips, which often aren't covered otherwise. Some professions and hobbies (like photography and golf) have special insurance policies while travelling, in order to better protect expensive equipment. And for the daredevils, there are even a few companies that will insure extreme sports – within reason.