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Student life isn't just about beans, beer and lectures. It's also a time to experience new things. Travel is one of them but don't forget your travel insurance.

While no one likes to think about all the things that could potentially go wrong while they are travelling, it's essential you set off prepared for every eventuality.

You may decide you want to take advantage of the extended break over the summer holidays, or consider a gap year in which you see some of the world. You could find yourself volunteering abroad, island-hopping, working a ski season, trekking through the jungle, getting involved in animal conservation... The list of globetrotting options is endless. And insurance is likely to be the last thing on your mind! It needs to a top priority, though, as travelling without it could see your adventure come to an abrupt and costly end.

You could, for example, become ill and require medical attention, or have your rucksack stolen along with your laptop, camera and phone. You may even need to return to the UK unexpectedly, which could cost you dear if you have to re-organise your travel plans.

And without insurance, the resulting costs could run into hundreds of thousands of pounds (medical care and repatriation). That's why it's important to take the time to find a comprehensive policy that suits your circumstances.

Here are some questions to consider when choosing a policy.

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