When you’re booking travel insurance you will notice that there are all sorts of different policies and levels of cover available. From fleet insurance to cruise travel insurance, single-trip to annual cover, there are various types of cover to provide the right level of protection to suit your trip and your budget.

Exactly what is included in your travel insurance policy will of course depend on your insurance provider, the type of trip you are taking and whether or not you have added any extras. Here are some of the main features that you should look out for when organizing travel insurance:

Medical Expenses: To protect against the cost of medical attention or hospital stays.

Personal Liability: In case you accidentally cause an injury to another person or damage their property, which could lead to them suing you. You can also include cover for legal expenses.

Personal Accident: A slip and fall attorney gwinnett county explains that in the case of an accident that leads to permanent disability or death, a good travel insurance policy will provide financial cover.

 Holiday Cancellation or Missed Departure: Should you fall ill, sustain an injury or if personal circumstances prevent you from going on holiday, you can often claim the expense of your booking through your travel insurance. Similarly, you can add protection for a missed departure and claim the cost of your missed flight or for additional travel expenses.

Other key features include failure of carrier, loss of hotel facilities and hijack, as well as cover for lost or stolen possessions.

Additional cover should also be sought if you are planning a winter sports holiday or a cruise, and specialist policies are also available for weddings and business trips. So it’s well worth doing your research to ensure you and your party are fully covered, if nothing else, just for complete peace of mind.

Whatever type of travel insurance you’re looking for, from winter sports or cruise travel insurance to standard holiday cover, you will find a wide range of insurance policies through Thomas Cook Extras. Visit the website at thomascook.com and click on the ‘Extras’ tab to find out more and to book your travel insurance online.

 Ask any globe-trotter to describe Washington D.C., and you’ll likely hear stories of stately monuments and museums galore. This American capital is filled with history, but some of its most outstanding treasures are situated in the less-traveled neighborhoods. Not sure where to start? Let us show you around.

The Sightseers’ Paradise: National Mall

Less proper neighborhood than sprawling tourist center, the National Mall is home to Washington D.C.’s most famous attractions. You’ll want to spend a little time exploring the monuments, museums and art galleries, but don’t get stuck in this area for days on end; there’s plenty to experience beyond the historical sights, and the heart of D.C. lives well beyond the National Mall’s borders.

The Local Enclave: Mount Pleasant

Situated just north of the Adams Morgan area, this local-friendly neighborhood buzzes with a unique charm. Indie businesses dot the tree-lined streets, colorful architecture exudes energy, and the entire community feels welcoming and lovely. You’ll find quirky boutiques and cool antique stores in the commercial center, but stroll the residential streets to catch of glimpse of Washington D.C. sans the National Mall’s frenetic pace.

The Peaceful Respite: Capitol Hill

It’s hard to imagine that this center of American politics could provide anything approaching a relaxing afternoon, but the Capitol Hill neighborhood is more than just congressional sessions. Get off the beaten path, and you’ll discover a tight-knit community proud of its eclectic vibe. Vintage stores, outdoor markets and unassuming eateries rule the scene, and weekend street fairs are regular occurrences. Visit during the autumn for a special treat; when the leaves begin to change, the district lights up with earthy color.

The College Spot: Georgetown

Equal parts modern mecca and studious village, this college-centric spot encapsulates the many faces of Washington D.C. Skip the Georgetown University campus, gorgeous though it is, and head for the creative businesses situated along the cobbled streets. M and Wisconsin are great spots to find international fashion brands and local bakeries, and the C & O Canal Towpath is the ideal place to sneak away from the city life. Once you’ve used the AmEx Travel service to book your trip, go through your itinerary to pencil in a little time for wandering the residential streets. Thomas Jefferson once called this area home, after all, and there are several JFK landmarks located in the area.

The Just-Discovered Gem: Columbia Heights

Locals have long known what travelers are just beginning to realize: Columbia Heights is seriously fun. Though it’s earned a reputation for being a touch on the gritty side, this dynamic neighborhood is quickly becoming one of the city’s top spots for innovative restaurants, chilled-out bars and spates of shopping options. Irving is the center of big-box commercialism, but you’ll find plenty of quiet, community-driven businesses along the more residential streets.

Ski holidays in Bulgaria are some of the most up and coming options you could choose for your winter break this year. While Bulgaria hasn’t quite achieved the bigwig status like the alpine destinations of France, Austria and Italy have just yet, its authenticity and rustic charm is appealing to more and more holidaymakers every year.

Perfect for families and full of character, Bulgaria is a real delight and a Borovets ski holiday is a great place to start. Ideal for those learning to ski, with some super facilities and a fun-filled atmosphere, Borovets lies in the heart of the Rila Mountains and has access to tree-lined slopes with astonishing panoramas.

As for where to stay, there’s a great selection of accommodation available in the resort, to suit your personal requirements and budget, including:

Hotel Lion Borovets boasts elegance and affordability, located on the edge of the resort. While its position may mean a more peaceful stay, away from the bustle of the main town, you will still within easy access of the local amenities. Inside, there’s a pool, two saunas and a hot tub – perfect to unwind in after a hard day on the hill.

The Hotel Rila and Studios can be found in the heart of the resort, on the doorstep of all the local facilities meaning you will never feel left out. Just a few metres from the slopes, you can hop on to the lifts, ski during the day and return back to the hotel with absolute ease. Once back at base, you could take your pick from a dip in the pool, a soak in the hot tub or some quality dining in the on-site restaurants.

The Hotel Festa Winter Palace provides 5* luxury in the heart of Borovets, that is not only elegant and chic, but is the sort of hotel you’d find adorning a postcard. While still reasonably priced, this unique hotel is as pretty as it is stylish, with plenty of facilities to utilise, including a spa and bars.

Three fantastic options for your Borovets stay – none of which will overstretch your budget but will guarantee an unforgettable stay in the picturesque Rila Mountains.

Just because you don’t like flying doesn’t mean you can’t still explore some of the world’s most far-flung and exotic locations. With cruises from Southampton you can set sail from the UK without an aircraft terminal in sight, and enjoy anything from a weekend mini cruise to a three-month sea-faring voyage of adventure.

Holidaymakers opt for UK cruise departures for many different reasons – and not just because some people can’t bear the thought of flying. Cruises from the UK can be cheaper, given that there are no flights involved. They can be more accessible, thanks to extensive on-site car parking facilities and local road networks. And, perhaps most importantly of all, cruises from Southampton offer some of the most incredible cruise itineraries on the market.

Far from being limited by sea-based transportation, it can open up a whole new world of holidays, taking you to destinations you never thought possible. With UK cruises you can explore the sizzling sights of the Mediterranean, perhaps spending time on the sun-baked French Riviera, the chic cities of coastal Spain, or soaking up the heritage and world-famous landmarks of Italy.

You could head out into the Atlantic to enjoy Lisbon’s cobbled streets, the volcanic wonders of the Canary Islands or the beautiful, flora-rich island of Madeira.

Some UK cruises even travel to the Caribbean islands. It’s the perfect chance to discover these spectacular islands in all their laid-back, exotic glory – complete with paradise shores and cheerful, bustling towns and cities. Some Caribbean itineraries include a return flight to shorten the trip, while others offer a round-trip by sea.

The Caribbean usually features strongly in even more adventurous itineraries, such as round-the-world cruises. This is a unique once-in-a-lifetime opportunity to travel to some of the world’s most spectacular locations without setting foot on a plane. How’s that for an unforgettable holiday experience?