If you've planned a holiday, you'll have a checklist of things to do. Book the time off work, organise flights, buy suitable clothes, arrange for someone to look after your pets - the jobs go on.
This exhaustive to-do list is perhaps why many people don't even think about travel insurance until it comes to the point of purchase. Whether you are shopping online or with a travel agent, the pressure to say yes often leaves holiday-makers with an impulse decision to make.