If you are wildlife-watching in the extremes of Alaska and are attacked by a polar bear, are you covered? How about if you are skiing and you're caught in an avalanche? Or, if you meet a 'friend', agree to engage in sexual activity and as a result wake up in the morning with no bag, passport and a headache? Am I covered?

Travel insurance policy wordings are inevitably somewhat complicated. It is essential that you read them but first let's explain what the parts of a policy actually do.

Unfortunately there are no simple rules for travel insurance where Government travel warnings are in force since such warnings vary. However there are three general rules of thumb that illustrate insurers positions in regard to Government Travel Warnings.