Picking the right travel insurance can save you a lot of grief should things go wrong on your trip.

For anyone living in the UK, a European Health Insurance Card (EHIC) will get you lower cost or free medical care in any of the EU countries as well as Iceland, Norway, Switzerland, and Lichtenstein. Basically, the card proves you're allowed medical care on the National Health Service (NHS) in the UK and can take advantage of the EU-wide reciprocity agreements that are in place for travelers

Travel insurance is more difficult to buy than it should be, as ensuring the right cover is complex. Here's how.