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What is travel insurance?

Travel insurance helps protect you financially if something unexpected happens during your holiday or before you travel. It can cover a variety of things, depending on the policy you choose, such as:

Trip cancellation or interruption: If you have to cancel your trip unexpectedly, travel insurance could reimburse you for your non-refundable travel costs. This could be due to illness, injury, work reasons, or even bad weather.
Medical expenses: If you get sick or injured while traveling, travel insurance can help cover the cost of medical treatment, including hospitalisation and emergency evacuation. Most regular health insurance plans don't provide full coverage abroad.
Lost, stolen, or damaged baggage: If your luggage is lost, stolen, or damaged, travel insurance can help you recoup the cost of your belongings.

Why is it important?

While it's not a legal requirement to take out travel insurance, it's essential for managing unexpected expenses during your holiday. Certain events can disrupt your plans and lead to significant financial losses, particularly with medical treatments abroad.

In 2024, UK insurers paid out £472 million across more than 500,000 travel insurance claims, with medical issues accounting for over a third of claims and averaging £1,528.

However, medical costs abroad can be much higher. Medical repatriation to the UK, for example, can cost tens of thousands of pounds, with air ambulance flights from Europe alone often costing over £20,000 (€25,000).

Given the rising number of claims and the potential for high medical costs abroad, holiday insurance is a wise decision.

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Annual Multi-trip

Save time and money with coverage for multiple holidays annually, typically up to 30 days per trip.
Cruise Travel Insurance

Get covered for missed port stops due to bad weather or illness onboard during your cruise.
Single Trip

Often the cheapest policy option providing cover for one trip up to 31 days.
Backpacker Insurance

Tailored for extended travels across multiple countries during one journey.
Winter Sports Cover

Protection for winter sports enthusiasts, including equipment like skis and snowboards.
Business Travel Insurance

Customised insurance for business trips, featuring coverage for electronics and extra travel expenses.

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Select your cover

Usually covered
✔ Lost baggage and belongings Up to £4,000 in case your baggage or personal belongings are lost, damaged, or stolen.
✔ Cancellation cover Up to £7,000 in case you need to cancel your holiday for reasons such as illness or bereavement.
✔ Emergency medical expenses In case you get ill or injured and need medical treatments.
✔ Travel disruption In case you are delayed by bad weather, strikes, or something breaking down.
✔ Repatriation Covers the cost to bring you home if you become seriously injured or ill.
✔ Personal liability In case you are involved in an incident that results in legal costs or damages.
✔ Covid-19 cover Most companies usually include Covid cover as standard.

Usually covered

✔ Lost baggage and belongings

Up to £4,000 in case your baggage or personal belongings are lost, damaged, or stolen.

✔ Cancellation cover

Up to £7,000 in case you need to cancel your holiday for reasons such as illness or bereavement.

✔ Emergency medical expenses

In case you get ill or injured and need medical treatments.

✔ Travel disruption

In case you are delayed by bad weather, strikes, or something breaking down.

✔ Repatriation

Covers the cost to bring you home if you become seriously injured or ill.

✔ Personal liability

In case you are involved in an incident that results in legal costs or damages.

✔ Covid-19 cover

Most companies usually include Covid cover as standard.

Usually not covered
✖ Choosing not to travel You can’t claim simply because you no longer want to go on holiday.
✖ Missed flights If the reason is because you were late or didn't get through security on time.
✖ Force majeures 'Acts of god', terrorism and civil unrest aren't covered as standard.
✖ Alcohol and drug related incidents If you have an accident or an incident while you are under the influence.
✖ Pre-existing conditions If you need treatment for medical conditions you didn't declare.
✖ Travelling against government advice If the FCDO advised against travel to that country.
✖ High-risk sports Activities such as skiing, hiking and diving often require specialist insurance.

Usually not covered

✖ Choosing not to travel

You can’t claim simply because you no longer want to go on holiday.

✖ Missed flights

If the reason is because you were late or didn't get through security on time.

✖ Force majeures

'Acts of god', terrorism and civil unrest aren't covered as standard.

✖ Alcohol and drug related incidents

If you have an accident or an incident while you are under the influence.

✖ Pre-existing conditions

If you need treatment for medical conditions you didn't declare.

✖ Travelling against government advice

If the FCDO advised against travel to that country.

✖ High-risk sports

Activities such as skiing, hiking and diving often require specialist insurance.

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Your destination

Your chosen destination will impact the cost of your policy, as medical treatment varies worldwide. For example, a week-long trip to Europe can cost around £29.26 on average, although some travellers may find policies for around £10.90 depending on their profile and level of cover.
Trips to destinations with higher healthcare costs, such as the USA or Canada, are typically more expensive to insure, as insurers factor in the potential cost of medical treatment and repatriation.
Length of your trip

The longer you travel for, the greater the potential risk of illness, cancellations, or disruption. Because of this, longer trips usually cost more to insure than shorter holidays.
For example, a short city break or week-long holiday may only require a lower cost policy, while two or three week trips can increase premiums as the length of cover extends.
Your age

Age is another key factor insurers use when calculating travel insurance premiums. Older travellers are typically considered higher risk, which can lead to higher prices.
For example, average premiums can increase from around £30.79 for travellers aged 18–49 to more than £101 for those aged 75–79, reflecting the higher likelihood of claims among older age groups.
Pre-existing medical conditions

If you have a pre-existing medical condition, you may need specialist travel insurance that covers it. Insurers may increase premiums as there is a higher chance that you may need treatment or make a claim while travelling.
The average price for medical travel insurance is around £21.94, although policies can start from around £4.99 depending on the traveller and condition declared.
Annual multi-trip vs single trip policies

If you travel more than once or twice a year, annual multi-trip insurance can often be better value than buying separate single trip policies for every holiday.
On average, an annual policy costs around £46.78, although cheaper options can start from around £14.27 depending on the level of cover and traveller profile.
The average cost of a single-trip travel insurance policy is £25.80.

When should I buy travel insurance?

It’s best to buy travel insurance as soon as you book your trip. Taking out cover early means you’re protected if something unexpected happens before you travel.

Most policies include cancellation cover from the start date, which means you may be able to claim back prepaid costs if you need to cancel due to covered events such as illness, injury, bereavement, or redundancy.

Buying early can also help protect you against airline or travel company issues, such as travel disruptions and cancellations, before your trip begins. If you wait to buy travel insurance, anything that happens before your policy starts won’t be covered.

Is it cheaper to buy travel insurance closer to my holiday?

No, travel insurance typically gets more expensive the closer you are to departure, so waiting rarely saves money. Buying cover when you book your trip often provides better value because cancellation cover starts immediately.

As a rule of thumb, it’s best to buy travel insurance as soon as you book your holiday so you’re protected both before and during your trip.

UK Government travel advice also recommends arranging insurance as soon as you book to ensure you’re covered if something goes wrong before departure.

Compare quotes

Comparing travel insurance quotes from multiple providers makes it easier to find a policy that balances price, cover level, and customer ratings. Using our comparison site lets you view several options side by side so you can choose the one that suits your trip.
Consider optional extras

Add-ons such as gadget cover, winter sports cover, or cruise cover can increase the price of your policy. Removing extras you don’t need may reduce the premium, but only if those activities or items aren’t already included or something you plan to use.
Check out annual cover

If you travel more than once or twice a year, annual multi-trip insurance can often be cheaper than buying several single trip policies. Just check the maximum trip length allowed under the policy to make sure each holiday is fully covered.
Increase your excess

Choosing a higher voluntary excess can reduce the cost of your premium. However, this means you’ll pay more out of pocket if you need to make a claim, so it’s important to choose an amount you’re comfortable with.
Group travel cover

If you’re travelling with family or friends, group or family travel insurance may work out cheaper than buying individual policies for each traveller.
Be mindful of trip length

With single-trip policies, longer holidays usually cost more to insure. Make sure your policy covers the full length of your trip, but avoid adding unnecessary days as this can increase the price.
Choosing the right policy is about balancing cost with the level of cover you need, so it’s worth comparing options carefully before you buy.

Can I get travel insurance if I have pre-existing medical conditions?

Yes, you can still get travel insurance if you have a pre-existing medical condition, but you must declare it when applying for cover. Insurers will usually ask a short medical questionnaire about your condition, treatment, and medication.

Conditions such as diabetes, asthma, or cancer can often be covered by specialist insurers. However, declaring a condition may increase your premium, as insurers factor in the higher likelihood of medical treatment abroad. Failing to declare a condition could invalidate your policy.

We can show quotes from specialist insurers that offer medical travel insurance for a wide range of conditions. If you’re struggling to find cover, MoneyHelper lists specialist providers, and the British Insurance Brokers’ Association (BIBA) can help on 0370 950 1790.

Our expert says…

Is travel insurance really necessary?

If you're in a country with expensive healthcare, getting sick or injured can quickly become a stressful ordeal. Emergency medical treatment claims cost on average £1,528 according to the Association of British Insurers, yet the cost of an average single trip policy costs just £25.03^{^} to cover yourself for any medical emergencies and personal belongings.
Single trip cover is ideal for those who only take one holiday per year, allowing you to fully enjoy your holiday, with the peace of mind of knowing you're protected from unexpected financial burdens.

Jake Edmonds Travel & Commercial Insurance Expert

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Single person

Travel insurance that will cover only you. If you select a single-trip policy, you will only be covered for the duration of that trip.
Over 70s travel insurance

Tailor your policy to suit your personal health and medical needs. If you are over 70, get travel insurance that reflects risks likely to affect you.
Couples travel insurance

Travel insurance that will cover both you and your partner under one policy, so you won’t have to take out two separate policies.
Family cover

Taking out travel insurance for the whole family can be a simple process. Get cover for everyone under one roof, under one policy at our best rates.
Group cover

You can choose who you want to include in group cover including family, friends, or anyone else you're travelling with. Cover a group up to 10 people.
Over 80s travel insurance

Helps older travellers enjoy their trips with peace of mind, providing cover for medical emergencies, cancellations and travel disruption.

Gadget travel cover

Can be useful if your family is travelling with multiple or high-value devices, such as phones, tablets, laptops, and gaming devices.
Passport cover

Helps cover the cost and support involved in replacing a lost or stolen passport or obtaining an Emergency Travel Document (ETD).
Golf equipment cover

Protects your golfing gear and covers non-refundable green fees.
Car hire excess cover

Reimburses the excess you may need to pay if a rental car is damaged or stolen.
Enhanced baggage cover

Increases the payout limit for luggage and personal belongings.
Pet care cover

Helps with additional kennel or cattery fees if your return home is delayed.

Travel insurance guides and expert tips

Keep up to date and find out all you need to know with our latest guides.

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Tell us about yourself

Give a few details about you, your travel dates and destination, and whether you have any medical conditions to declare.
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We’ll put together a list of travel insurance quotes, so you can pick one that works for you at the best price.
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Once you’ve chosen the right quote for you, you can purchase your policy and you’ll be covered for your trip.

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What is travel insurance?

Travel insurance is a form of cover that may pay out if you suffer an injury when you’re away to cover the cost of medical expenses and any repatriation if it’s a serious injury. If your trip needs to be cancelled for some unforeseen reason, such as the illness or death of a close family member, then travel insurance may cover your losses. And if your baggage or belongings are damaged or lost, then travel insurance could compensate you up to a set limit.

How does travel insurance work?

Buying travel insurance gives you peace of mind and protects you if something goes wrong while you’re on holiday. If you do have a problem while you’re away, the first step is to contact your insurance provider. Most companies have dedicated claims lines, and you may also be able to file a claim online if it’s easier for you. You’ll normally need to pay for any costs upfront before claiming them back. So, keep any documents, such as hospital bills, you need to support your claim.

Do I need travel insurance if I have a Global Health Insurance Card?

The Global Health insurance Card (GHIC) entitles you to medical treatment in certain countries for free or at a reduced cost. However, this isn’t a replacement for travel insurance as it won’t cover you for private medical costs, nor will it be useful for rescue and repatriation. It also doesn't offer additional protection for your belongings and possessions, accommodation, or flights.

What does excess mean in travel insurance?

Your insurance excess is the amount you will need to pay when making a claim. If you have a policy with a £150 excess, for example, then you claim for a baggage loss of £800, you would pay the £150 and the remaining £650 would be paid out by your insurer.

How do I make a claim on my travel insurance?

If you need to make a claim on your travel insurance policy:

Keep your documents to hand: keeping your policy documents, including your policy reference number, can be hugely helpful when you contact your insurer to make a claim.
Contact the authorities: if you’re claiming as a result of a crime, you have to let the local police know and get an official police report. Some insurers may not pay out for a claim if you don’t alert the authorities within a certain time period, usually within 24 hours of the event.
Don’t delay: you should also contact your insurer as soon as possible if you think you’ll have to claim, to ensure that they’ll cover you for what you need. This could be particularly important for medical treatment, as some insurers may require you to confirm what treatment you’re getting and whether it’s covered before paying out. It’s worth checking your policy documents to see if there’s an emergency 24 hour contact number you can call.
Gather evidence: police reports, medical notes, or receipts to prove ownership can all improve the chances of your claim being accepted, and for some insurers they could even be necessary in order to validate your claim.

Can I get travel insurance for the UK?

You still need travel insurance if you’re staying in the UK for your next holiday (staycation). Although the NHS will cover the cost of any medical treatment, travel insurance can pay to transfer you to a hospital closer to home. Travel insurance will also bring you or a family member home if you have missed your flights, trains, coach or your family have to drive home separately.

Travel insurance for the UK also covers you against the risk of holiday cancellation, baggage loss, losing spare cash and anything happening to your mobile phone and other gadgets while you’re away from home.

Are Jersey and Guernsey considered part of the UK for travel insurance?

Yes, travel insurance providers generally consider Jersey and Guernsey as well as all other Channel Islands as part of the UK. Travel insurance is important here as while there is a reciprocal healthcare agreement between the UK and Jersey, it doesn’t cover things like repatriation - and will only last for visits under six months. There is no agreement between the UK and Guernsey.

When is it too late to buy travel insurance?

You can buy travel insurance up to your departure date, even last-minute.

However, some insurers will have earlier cut-off limits, and many will charge more for last-minute purchases.

Buying insurance earlier, ideally as soon as you book the trip, also means you will be covered if your trip is cancelled because of an event outside of your control.

Does travel insurance cover pregnancy?

In most cases, yes, there is travel insurance cover for pregnancy and this should be covered under a standard travel insurance policy. However, if you are having any medical concerns during your pregnancy, it is worth telling your insurance provider before you travel and checking what you are covered for.

Most travel insurance policies will cover medical costs while you're travelling if there is a medical emergency related to your pregnancy. However, your policy won't cover your medical bills if you require routine care or give birth.

Do I need different travel insurance for Europe following Brexit?

Travel insurance hasn't changed very much for UK holiday goers in Europe. UK citizens are still able to access state-funded healthcare in most EU countries with the new GHIC card or if they still have a valid EHIC although there are limitations to the level of cover they will provide

It's recommended you also buy travel insurance policies for Europe, the only difference between these policies and worldwide policies is that your policy won't cover you if you travel outside of Europe.

Can I extend my travel insurance?

Some insurers may allow you to extend your policy while you're away, provided your trip is within the 'length of trip' limit on your policy, while others may require you to take out a new policy.

If you plan to take a long trip or visit several destinations in one holiday, you may need long stay travel insurance. This type of policy will cover long trips and backpacking holidays.

Does travel insurance cover wildfires?

Not every travel insurance policy will cover wildfires. When it comes to extreme weather and natural disasters, your insurance may not offer any cover or may require you to pay extra for cover. Even so, cover for these kinds of events can be complicated and there are certain hidden terms to travel insurance policies that may prevent you from being able to claim.

For example, when cancelling in the event of a wildfire or other type of national emergency, most travel insurance providers won't cover cancellations unless the FCDO has given a travel warning for your destination. If they haven't, or if that warning doesn't advise against anything except necessary travel, then your travel insurance won't cover cancellation costs. Similarly, your travel insurance may not cover any issues related to wildfires or extreme weather if they were forecasted before you travelled.

You can read more about what travel insurance will cover in our guide 'Will travel insurance cover natural disasters?'

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