Peopl Insurance is urging holidaymakers heading abroad this summer to check if they are covered for disruption which may be caused by strikes or protests.
It comes amid a wave of industrial action and civil unrest across Europe and further afield.
"Strikes, including air traffic control, airport baggage handling, airport security, and train and rail strikes - have already played havoc with people’s travel plans in recent weeks and months," said Paul Walsh, CEO of Peopl Insurance.
"Cost-of-living concerns are at the heart of much of these strikes and as it could be some time before inflation significantly eases, such industrial action is likely to continue for some time – and certainly throughout the peak holiday months," he added.
If a strike hits while you're on holiday, Mr Walsh said you could be delayed catching a flight or ferry home, and miss your flight or sailing.
"If a strike arises before you head off on vacation, it could scupper your entire holiday. Some travel insurance policies will cover you if you have to abandon your holiday, if you miss your flight or if your holiday is delayed as a result of an unexpected work stoppage or strike at an airport or ferry port," he explained.
"But other travel insurers don't cover strikes and with some policies, the cover is more restricted than others. So, it is very important to check the small print of a travel insurance policy before you buy," he added.
Experts at Peopl Insurance are also advising those travelling overseas to check and understand the conditions and limitations of their travel insurance policies around extreme weather events and lengthy airport security queues.
"Parts of Italy, France and Portugal for example were ravaged by wildfires last summer with Irish tourists evacuated from some areas," Mr Walsh said.
"Wildfires have already broken out in parts of Spain this year. Again you need to check the small print on your policy," he added.
