We never travel without it and whilst thankfully we have never had to use it I would never take the risk of travelling without it.

Hi Tom, the idea that you become sick when you are on holiday relates to something called ‘let-down effect’ (http://www.marcschoen.com/the-let-down-effect.html) which then leads to illness which is why some people tend to suffer with sickness when relaxing on a trip for example.

In terms of insurance and protection plans I think that there are so many out there, getting recommendations from others that have similar travel styles to you are important. There is no point getting a standard policy if you enjoy more adventurous activities for example if then plan then becomes null and void if you have an accident whilst do something more extremely than laying on a sunbed.

But for things like health and valuables, it does make sense. However, is this a fact? “It’s also a fact that once you’ve removed yourself from the pressures of work and begin to relax, your immune system also relaxes.” I have never heard that before! There are plenty of valid reasons to get health insurance through travel insurance for going abroad, like your broken leg example.