Choosing the right holiday insurance will be more or less important depending on where you are heading and exactly what it is you will be doing when you get there. For instance, if you are merely heading across the channel to France for an overnight stay, you may well find that the very cheapest generic insurance will be all that you need. Whilst those heading to more volatile environments with a history of conflict will almost certainly need to source their travel insurance accordingly.
However, the most common reason for people to need to look into very specific insurance will be sports. For those indulging in winter sports or who are heading away to do a spot of scuba diving, specialist travel insurance will be a must. Those taking part in certain sports may be more likely to find themselves needing to make claims or need medical treatment whilst they are away. Many generic policies simply will not cover them to take part in such sports.
As such, buying travel insurance including scuba diving will be extremely important. It may well be that the best sites offering such policies will allow you to obtain a bespoke quote to ensure that you do not have to pay over the odds just because you are taking part in a sport . .
Therefore, whether or not you need to hunt out a very specific policy will depend very much on where you are going and what you are doing. If you only need to ensure that you can get relevant medical care and that you are covered for lost luggage, you may not need to spend much time looking at all, but if you need travel insurance with scuba diving cover, not only might you need to look a little harder, but also find companies that specialise in offering such insurance policies.