A pre-Christmas shopping spree in the United States taking advantage of the lower high street prices can now be even more cost effective with Club Direct's reduced travel insurance costs until the end of the year.

The rates for individuals are £6.75, £8.78 and £10.80 for two, three and four days respectively. The equivalent rates for families are £17.10, £21.94 and £27.00.

The policy includes £10 million for medical and emergency assistance with full repatriation and air ambulance support.