Sri Lanka is the latest country to be affected by floods, where torrential rains have caused serious flooding in several parts of the country. This follows hot on the heels of the severe flooding across much of Queensland, Australia.

It can seem that this kind of extreme weather only occurs in exotic or remote destinations, but the recent floods in Queensland highlight that this kind of devastation that can occur anywhere.

It’s important to have appropriate travel insurance for medical conditions every time you go away, no matter where you’re travelling to. Not only will it cover you for unexpected medical expenses, it can also help in situations of extreme weather such as floods and hurricanes.Travel insurance can help if extreme weather, such as the current floods in Queensland or Sri Lanka, strike whilst you are away. Check to see if you travel insurance policy includes catastrophe

Catastrophe cover is designed to provide cover for additional, irrecoverable travel or accommodation costs if you are forced to move from your pre-paid, pre-booked holiday accommodation (outside of the UK) as a result of unforeseen events such as flood, fire, earthquake, hurricane and medical epidemic. The cover is intended to enable you to continue your holiday in alternative accommodation, or if that’s not possible, return to the UK. Check your travel insurance policy before you travel for full details.

When choosing your travel insurance, you should also check that your policy includes cover for delayed departure or abandonment of a holiday due to extreme weather conditions preventing your departure from the UK.

The FCO provides up to date travel advice by country

Where ever you plan to travel check the Foreign and Commonwealth Office website for the latest advice before you travel.