Travel insurance cover is now available for COVID-19 x
Many travel insurance brokers are now offering cover for coronavirus and COVID-19 for policies purchased today. When you request a quote we'll indicate which policies offer COVID cover along with specific information on exactly what is covered.
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A single trip policy provides cover for one trip. A multi-trip policy provides cover for multiple trips over a 12-month period.
When do you need cover?
For single trip policies, cover will begin and end on the dates you specify below. For annual multi-trip policies, cover will begin from the moment you purchase the policy and will be valid for 12 months.
You've selected an annual multi-trip policy so you don't need to tell us when you're travelling. Your cover will automatically start today and end in 12 months' time.
Where are you travelling?
Please tell us all of the countries you intend to visit. You can enter countries individually below, or instead.
Please select a travel area that covers all of the countries you intend to visit, or instead.
Who needs cover?
We need to know who you want to be covered by the policy and how they are related.
How many people are travelling?
Pre-existing medical conditions
We don't need to know about any pre-existing medical conditions. You'll still be covered by any quotes, but claims against some pre-existing conditions may not be valid. Some insurers will allow you to add cover for pre-existing conditions when you place your order.
Assumptions
We need to make the following assumptions about you and anyone else named on the policy in order to provide you with quotes. By continuing, you agree that the following are true:
All travellers are permanent residents of, and are travelling from and returning to, the United Kingdom.
All travellers are registered with a Medical Practitioner (for example, a GP or Doctor's Surgery) in the United Kingdom.
No traveller is travelling against medical advice.
No traveller is aware of any reason why the trip would be cancelled or cut short.
Cover may not be provided for trips that have already started.
Please click or tap here to confirm all of the assumptions made above are true and that by continuing you agree to our websiteTerms & Conditions.
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Unfortunately, we couldn't find any quotes for you at this time. Please check the details below are correct and try searching again if necessary.
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Filter results by excess
Choose the maximum excess you're prepared to pay if you make a claim. Increasing the excess may result in cheaper quotes but will reduce the amount of cover provided.
Travelling without cover is risky and could leave you massively out of pocket if something goes wrong while you're away. Figures from the Association of British Insurers show that 3,000 Brits require emergency treatment abroad every week, and the average cost of a medical claim is at a record high of £1,300 (ABI, June 2019) so there has never been a greater need to get proper cover.
Travel insurance is designed to protect you financially for any expenses that you might incur if the unexpected does happen. Cover is not just limited to your medical expenses while you're abroad; many policies offer a range of benefits such as reimbursing the cost of your plane tickets if your airline becomes insolvent, or covering the cost of any pre-booked flights, accommodation and excursions if you have to cancel or cut your holiday short.
Without travel insurance you might have to cover the cost of any emergency expenses on your own, so for peace of mind you should make sure that you have adequate cover in place.
Travel insurance policies are designed to be as comprehensive as possible and should cover most of a traveller's main concerns before and during travel. However, the amount and type of cover can vary wildly between brokers so you should always read the Policy Wording before you buy to make sure the policy meets all your requirements.
For example, many policies will cover cancellation costs if you are unable to travel (this includes things like money you've spent on flight and hotel reservations), but when we performed a check of cancellation cover amounts we found they ranged from £1,000 with a £125 excess to £10,000 with no excess. If your holiday cost more than £1,000 you would almost certainly want to opt for a policy that covered you for the full amount paid.
You can find out more about what each specific type of cover provides by clicking them below:
Medical expenses make up the majority of travel insurance claims according to the Association of British Insurers (ABI), which is hardly surprising considering the eye-watering costs associated with medical treatment overseas. You should choose a travel insurance policy that includes at least £1 million of medical cover for trips to Europe or £2 million for trips outside of Europe, and also make sure the policy has a 24-hour helpline in case of emergencies.
As for baggage cover, the ABI reports that the average family takes £3,000 worth of valuables on holiday with them so you can use this as a rough guide as to what you'll need (remember to include the cost of your mobile phone and other devices if appropriate).
Cancellation cover will allow you to claim for expenses incurred if you need to cancel your trip or come home early. Remember that cancellation cover is per person listed on the policy, so if you and your partner book a holiday costing £3,000 you will only need £1,500 worth of cover each.
A typical single trip policy for a 30-year-old travelling for one week costs around £4.07 to Europe and £16.13 Worldwide, assuming no pre-existing medical conditions or extra cover such as winter sports is required. For a 60-year-old, a typical single trip policy costs around £5.72 (Europe) and £23.18 (Worldwide).
A typical annual / multi-trip policy for a 30-year-old costs around £15.83 to Europe and £39.80 Worldwide. For a 60-year-old, typical annual policies cost £22.10 to Europe and £49.75 Worldwide.
The cost of a couple, family or group policy is usually less than the equivalent policies would be if each traveller took out individual cover. All prices correct as of May 2020.
Age is the main determinant of cost when it comes to travel insurance; the older you get, the more expensive it becomes to get cover. However, the big price increases don't start kicking in until you're over 65, and the steepest increases of all don't hit until age 80.
To demonstrate, we checked how much it would cost for a single traveller to get insured for a one-week trip to Europe. Our results found that a 60-year-old would only pay £1.65 more for compared to an 18-year old (£4.07 compared to £5.72). The same policy would have cost £12.35 for a 70-year-old, £27.48 for an 80-year-old and £91.69 for an 85-year-old.
Your holiday destination and the length of your trip can also affect the price of your travel insurance. Longer trips cost more to cover, as do holidays in countries where the price of medical treatment is expensive. If you plan on doing any adventurous activities such as windsurfing, skiing or scuba diving while you're on holiday, you may need to pay an extra premium to get covered as many brokers don't include them on standard or basic policies.
Contrary to popular belief, declaring a pre-existing medical condition does not always increase the cost of your travel insurance. A 2018 survey by Which? found that 75% of 10,495 travellers with a pre-existing medical condition did not experience any increase in price when declaring the conditions to their insurer.
If you or anyone named on the policy has any pre-existing medical conditions, you should declare these to the insurer when you purchase the policy otherwise you may not be covered for claims that are caused by, worsened by or related to the condition(s).
It can be difficult to know which pre-existing medical conditions to declare. As a general rule you should disclose any of the following conditions:
Cancer
Type 2 Diabetes
PTSD
Current pregnancy complications
Epilepsy
Asthma
Parkinson's Disease
Arthritis
High blood pressure
Irritable Bowel Disease
If you're unsure, always check with your insurer before you travel. In most cases they can alter your cover to include pre-existing conditions even after you've purchased the policy.
Note: when you compare travel insurance quotes on our website, we don't ask you about any pre-existing medical conditions. Any quotes you receive will still be completely valid, but they may not cover you for any pre-existing medical conditions. If you want to be sure you're covered for pre-existing conditions, some insurers allow will you to add them in when you purchase the policy, otherwise you should contact the insurer before you travel to make them aware.
Choosing the right excess
The excess is the amount you have to pay if you make a claim.
You can drag the excess slider to filter the results based on the maximum you are willing to pay. For example, if you set the excess to £100, you will only see policies that have an excess of £100 or less. The results will update automatically.
Choosing a higher excess will usually result in cheaper policies but may also reduce the amount or type of cover provided.
You should always make sure the selected policy meets all of your requirements because the cheapest policies are not always the best.
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Medical Cover
Virtually all travel insurance policies cover medical costs as standard. This type of cover protects you if you become ill or sustain injury whilst on holiday.
Medical cover includes a broad range of medical-related expenses (depending on the policy) such as:
The cost of emergency treatment.
Additional accommodation or travel costs.
Hospital inconvenience benefit (compensation for missing your holiday due to being hospitalised).
Repatriation if you need to return home.
However, there are some circumstances where medical cover may not be provided; for example, if you have consumed an excessive amount of alcohol or taken non-prescription drugs.
Medical cover may also not be provided for pre-existing medical conditions unless you tell the insurer about your condition(s) before you travel.
Check the Policy Wording and Product Information Document for full details of the medical cover provided by this policy.
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Baggage Cover
Baggage cover allows you to make a claim for your baggage if it is lost, damaged or stolen while you're travelling.
There are some exceptions as to what you can claim for. For example, you may not be covered for:
Cash that is left in your baggage whilst it is unattended (e.g. in the hold of a plane or coach).
Items that are insured separately.
Thefts that are not reported to the police within 24 hours.
You should read the Policy Wording and Product Information Document for specific information about what baggage cover is provided by this policy.
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Cancellation Cover
If you have to cancel or cut short (curtail) your holiday, you may be able to claim cancellation cover for some holiday-related expenses. Typically, cancellation cover includes:
Pre-booked transport such as plane or train tickets.
Pre-booked accommodation including hotels and campsites.
Some pre-booked expenses such as excursions and tours.
Valid reasons for cancellation do vary between insurers, but most will pay out for cancellations arising from:
An accident or unexpected illness prior to travel.
The Foreign and Commonwealth Office advising against all but essential travel to your destination.
A fire or flooding at your home.
Bereavement.
Specific details of the cancellation cover provided by this policy can be found in the Policy Wording and Product Information Document.
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Airline Failure Cover
If the airline you are travelling with becomes insolvent before or during your travels, you may be able to claim for airline failure.
Typical examples of expenses covered by this type of claim include:
The cost of purchasing new flight tickets if the airline becomes insolvent before your trip.
The cost a return ticket if the airline becomes insolvent during your trip.
The irrecoverable cost of your flights if you have to cancel your trip due to airline insolvency.
Note: If you've booked a package holiday which includes flights with a travel company that is ATOL protected, you will automatically be covered for airline failure by the ATOL scheme.
As with all types of cover, there are restrictions and exclusions as to what's covered so be sure to read the Policy Wording and Product Information Document for specific details relating to this policy.
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Money Cover
Some policies will cover the loss or theft of cash up to a certain limit. Depending on the policy, this cover may also be extended to personal belongings and valuables as well.
When you're travelling you should always try to keep cash and valuables on you if possible or lock them away in a secure place such as a hotel safe.
Generally, insurers won't pay out if:
The cash or personal belongings were left unattended, for example in a bag, car or hotel drawer.
You didn't report the theft or loss to the local police within 24 hours (you'll need a crime reference number or written report).
In addition, there will be a limit to the maximum amount you can claim for a single item so bear this in mind when packing for your holiday.
If you make a claim for money or personal belongings, you'll need to prove the loss so keep any bank statements, order references or withdrawal receipts that might help your claim.
There are always exclusions as to what is covered so be sure to read the Policy Wording and Product Information Document for specific details relating to this policy.
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Travel Delay Cover
If you arrive at the airport on time but your flight is delayed, you may be able to claim for travel delay.
Most policies will pay a certain amount for each fixed period of delay, such as £50 for every hour over 12 hours.
It's important that you check the Policy Wording and Production Information Document for policy-specific information relating to travel delay because some policies only provide travel delay cover under specific circumstances such as:
Industrial or strike action.
Poor weather conditions.
A mechanical breakdown with public transport.
This cover usually applies to other forms of transport as well such as ferries.
If you are delayed for a long period of time - usually 24 hours - you may be able to abandon your trip and make a separate claim for trip abandonment instead.
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Trip Abandonment Cover
If the outward part of your journey is delayed for a long time - usually 24 hours - you may be able to abandon your trip altogether and make a trip abandonment claim.
Some policies also provide cover if part of a trip has been abandoned; for example, if you have to abandon a trip due to a delayed connecting flight, you may be able to claim for the abandoned part of the trip.
As with all cover there may be strings attached (such as the reason or nature of the delay) so be sure to check the Policy Wording and Product Information Document for full details.
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Accidental Injury Cover
If you have an accident whilst travelling such as falling over and breaking a bone, this will normally be classed as a medical expense and will be covered by the policy's medical cover. Accidental injury cover is different in that it provides a benefit payment for accidental injuries that result in your death or permanent disablement including loss of sight or loss of limb.
Check the Policy Wording and Product Information Document for full details of the accidental injury cover provided by this policy.
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Personal Liability Cover
Personal liability will cover your legal costs if you accidentally injure someone or damage their property while you're travelling.
Check the Policy Wording and Product Information Document for full details of the personal injury cover provided by this policy.
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Legal Cover
If you have to claim compensation or damages from a third party during your trip, you may be able to claim legal cover which will typically include expenses such as appointing a solicitor to work on your behalf.
Check the Policy Wording and Product Information Document for full details of the legal cover provided by this policy.
