You are here: Home »  Insurance »  Travel Insurance

Compare Travel insurance

You need travel insurance as it can help cover the cost of medical care abroad. It can also cover you for lost or stolen items, trip delays and more. From single trip cover to longer journeys, we can help you with a travel insurance comparison.

Do I need travel insurance?

Whether it’s a short city-break or a once-in-a-lifetime holiday, travel insurance provides cover should you face expensive medical bills if you’re injured or taken ill, or if something goes wrong with your trip.

Our Travel insurance comparison tool

What does travel insurance typically cover?

Travel insurance policies usually provide cover for the following:

Cancellation & delay: Including missed departures and curtailment of your trip.

Medical expenses: This will cover any costs incurred if you have to visit a doctor or hospital abroad.

Personal liability: If you cause damage to possessions or injury someone, cover is provided.

Emergency assistance/repatriation: If you need to be brought back to the UK due to injury, your costs will be met.

Baggage & belongings: Protection if your luggage or possessions are lost, stolen or damaged is provided as standard with most policies.

What should I consider when choosing a policy?

The type of cover you’ll need will vary depending on the type of travelling you’re doing. A couple of weeks in the sun, a skiing holiday or six months travelling will all require different types of insurance.

You’ll want to pick a policy with the right level of cover and inclusions for you. For example, comprehensive policies will typically cover you for the following: loss of baggage, theft, cancellation, medical treatment, public liability and emergency repatriation.

You should also be able to add extras to your policy for anything which isn’t included as standard.

What is single trip travel insurance?

It is a travel insurance policy that covers you for one trip abroad.

When you apply for a single trip policy you will need to confirm the:

  • Destination
  • Start date
  • End date of your trip

You will then be covered for this destination and period only.

Which life insurance cover is right for me?

Also known as multi trip travel insurance, it covers you for every trip you take in a set period, usually 12 months.

When you apply for an annual cover quote you will need to confirm where you will be travelling. You will usually be given the choice between:

  • Europe
  • Worldwide excluding USA, Canada and all Caribbean islands
  • Worldwide including USA, Canada and all Caribbean islands

You will only be covered when you travel to countries in those locations; for example if you chose Europe and travelled to Asia you would not be covered. It can also cover any domestic trips you take within the UK.

There will be a limit on the number of days covered for each trip you take. Many policies will cover an individual trip of up to 31 days, so you would be covered for several trips of 31 days or less but not any that last 32 days or more.

Some offer periods of just 10 days or as much as 90 days so check the policy carefully before you take it out.

How to Save Money on Travel Insurance?

We all want to save money, it’s just human nature, deciding which holiday insurance is right for you, can be a real challenge. Sometimes we spend thousands on holidays and then forget about covering ourselves in case something goes wrong.

Here are some great money saving tips when purchasing travel cover:

Combine – If you’re travelling with a partner or part of a larger group as a family, it’s always a good idea to combine your insurance costs. This means get a policy that includes everybody in one go, usually you will get a discount and it will work out cheaper than insuring each person individually.

How Often Do You Travel? – Typically, if you travel more than twice a year, then an ‘annual’ policy will likely save you money than purchasing a ‘single trip’ policy every time you travel. Single policies tend to only be cheaper if you make less than two trips a year.

Destinations – Think about where you’re going, some locations may result in higher premiums depending on the current situations at the time. This can include many different factors such as war, terrorism, weather, crime and so on. A good idea if you’re travelling within the EU is to ‘limit’ your cover only to Europe. This tends to bring premiums lower.

Personal Belongings – Increasingly we all take valuables such as laptops, phones and cameras away with us while on holiday. For some people they may find their personal belongings can be already insured by other policies in which they have. For example, some home insurance policies cover personal belongings when travelling. Of course this is not always applicable in every circumstance, it’s a good idea to read over your home insurance agreement to see if this applies to you. Equally its important to remember to not ‘over-insure’ your personal belongings because this could mean you pay more for your cover than you actually need too.

Get an EHIC Card – Everybody travelling within the European Union should apply today for the European Health Insurance Card, this is currently FREE and entitles you to emergency medical treatment in all European Economic Area (EEC) countries.

Excess – Just like other forms of insurance, the higher excess your willing to pay will most likely reduce the policy premium. As the excess is amount you have to pay towards a claim, make sure it’s a comfortable level that fits within your budget. For example let’s say your laptop is worth £500 and gets stolen while you’re abroad. If you have a £250 excess on your policy, the insurer will have to pay the additional £250 for you to replace the item.

Are You Already Covered? – Sometimes your job, bank account or a credit card may include travel insurance as a ‘perk’. Usually this will be applicable on premium or business bank accounts. There’s no point in paying for additional cover when you may already have it, so it’s always worth double-checking!

Do I legally need to have travel insurance?

No, but you should never travel without it because medical treatment abroad can cost tens of thousands of pounds or more.

Should I get a single or annual multi trip policy?

It depends, but usually if you travel 3 times or more a year you should get annual cover.

How can I get cheaper travel insurance?

The best way to get the cheapest deal is to shop around for quotes using the table above.

Can I get travel insurance with pre-existing medical conditions?

Yes, but it can be more expensive and not all insurers will cover you.

How long can I go away for?

It depends on your policy, but most insurers offer maximum single trips lengths of between 31 and 365 days.

Can I claim for cancellation before my holiday starts?

Yes, as soon as you take out your policy you will be covered, so always buy travel insurance as soon as you book your trip.

Do I need travel insurance in Europe if I have a EHIC?

Yes, the European Health Insurance Card (EHIC) only gives you access to basic state-provided healthcare when in European Economic Area (EEA) countries.
Travel Insurance

Will travel insurance cover me if I travel for business?

Yes, and some policies will offer business cover as an extra to cover things like your laptop, mobile phone and any other business equipment.

Who do we include in this comparison?

We include unsecured loans you can get in the UK from our panel. Like other comparison sites, we make money when you click through to a product or service, or go on to purchase it after visiting our site. If you use one of our broker services, we make commission after you buy a product, but it doesn’t cost you anything extra. Our comparisons are free for you to use and you get the same or a better deal than going direct.



car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance, car insurance