A travel agent in the Isle of Man is urging holidaymakers to make sure they are properly insured when they go away.
Managing Director of Travel Centre, John Tyrer, says if people aren't properly covered - they could face real problems if the worst happens.
He says the best thing to do is talk through the options with whoever you're booking the trip with.
Mr Tyrer says one of the most important things is to make sure the insurance provider knows about any pre-existing medical conditions - otherwise your policy could be null-and-void:
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