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What is travel insurance?
Travel, or holiday insurance, protects you and your family from unexpected events when abroad. It can help cover the cost of emergency medical care, cancellations, or lost baggage, so you can avoid unexpected expenses.
While travel insurance isn’t mandatory in most countries, certain destinations like cuba require proof of medical cover when arriving from the uk. With travel disruptions, delays, and cancellations on the rise, finding the right protection for your trip is more important than ever.
Which travel insurance do you need?
Single trip
For one-off short-term holidays.
Annual/multi-trip
Cost-effective for frequent travellers.
Backpacker insurance
Covers extended trips to multiple countries.
Skiing/winter sports
Specialist cover for high-risk activities.
Cruise cover
Protection for cruise-specific risks.
Family/group
One policy for multiple travellers.
Business travel
Includes cover for work equipment and company money.
Worldwide cover
With or without usa/canada/caribbean.
90-day/europe cover
Includes most european countries and some nearby destinations.
Pre-existing conditions
Specialist cover for ongoing medical needs.
How much is travel insurance?
The cost of uk travel insurance is tailored to you and your holiday. Insurers will consider your age, trip length, travel destination, and chosen level of cover. Higher-risk countries can mean higher premiums.
Your destination is key. Insurers assess each country’s risk level to predict how likely you are to make a claim. For example, pickpocketing is a common travel risk, and some european destinations rank higher than others for this issue.
What does travel insurance cover?
Coverage and limits vary between insurers, but common inclusions are:
- Medical expenses - covers treatment if you fall ill or have an accident abroad.
- Lost baggage - compensation for lost, stolen, or damaged luggage.
- Emergency repatriation - pays for returning you to the uk for medical care or in the event of death.
- Cancellation cover - reimburses costs if you cancel due to illness, injury, or bereavement.
- Travel disruption - covers delays, cancellations, and other uncontrollable disruptions.
- Personal accident cover - compensation for serious injuries or permanent disability.
- Legal protection - assistance with legal services and replacing important documents like passports.
What isn’t covered by travel insurance?
Exclusions vary by policy, but common ones include:
- Missed flights – if you’re late or fail to show up.
- Pre-existing medical conditions – unless declared and covered under a specialist policy.
- Car hire – not included in standard policies; rental providers offer separate cover.
- Adventure/extreme sports – high-risk activities require additional cover.
- Changing your mind – no cover for cancellations without a valid reason.
- Drug or alcohol-related incidents – claims won’t be paid if you were under the influence.
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Travelling against Foreign, Commonwealth and Development Office (FCDO) advice – trips to locations advised against by the UK foreign office will not be covered.
Ready to get insured now?
Travel insurance upgrades
Customise your policy with optional extras:
- Trip disruption cover – For events like natural disasters, terrorism, Covid-19, or airspace closures.
- Excess waiver – Avoid paying the excess on claims.
- Adventure/winter sports – Cover for skiing, rafting, climbing, and other extreme sports.
- Trip extension – Extend cover beyond standard trip length limits.
- Missed departure – Protection for delays caused by breakdowns or public transport issues.
- Gadget protection – Higher cover limits for phones, laptops, tablets, and smartwatches
Travel Insurance FAQs
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