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Travel Insurance

Compare Travel Insurance Quotes & Get Rewarded

  • Discover cover for pre-existing medical conditions

  • Single trip cover from just £1.58 per day¹

  • Access rewards on SuperSaveClub with your purchase²

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4.7 out of 517,663 reviews
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Compare holiday insurance quotes from 42 trusted UK providers3

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1 Based on MoneySuperMarket data for a daily rate of a single trip travel policy for a 30 year old with no pre-existing medical conditions travelling to France for 3 days. Prices correct as of March 2024.
2For annual travel insurance policies. Restrictions and T&Cs apply, click here for details.
3Accurate as of April 2024.

Why is travel insurance important?

Travel insurance is 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.

The Association of British Insurers (ABI) has reported a 75% increase in cancellation claims and a 235% rise in medical claims from 2021 to 2022, with the average medical claim amounting to £1,750.

However, medical expenses can soar, as indicated by UK government statistics, which show that medical procedures and repatriation from Greece can reach £30,000.

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

Purple travel suitcase cartoon

What does travel insurance cover?

Travel insurance policy inclusions and exclusions vary. The following information provides a general overview of common travel insurance inclusions and exclusions. Always read your policy documents thoroughly to understand what is and isn't covered before your trip.

  • Tick

    What's typically covered?

    • Lost baggage & belongings: Up to £4,000 in case your baggage or personal belongings are lost, damaged, or stolen while you’re travelling, allowing you to claim for their full or partial value.

    • Cancellation cover: Up to £7,000 in compensation if you need to cancel your holiday for reasons specified in your policy, such as illness or bereavement.

    • Emergency medical expenses: Protection for medical bills or emergency medical treatments, with up to £15million of cover

    • Travel disruption: You can claim for delays if bad weather, strikes, or something breaking down affects your flight, ferry or other mode of transportation.

    • Repatriation: if yourself or a family member becomes injured or falls seriously ill while you are away, emergency repatriation can cover the costs to bring you home.

    • Personal liability: Protects you if you are involved in an at-fault incident that results in legal costs or damages while you are on holiday

  • Cross

    What's typically NOT covered?

    • Choosing not to travel: You can’t claim simply because you no longer want to go on holiday

    • Missed flights: If you miss a flight because you were late or didn't get through security on time, you will not be covered by your travel insurance provider

    • Under the influence: If you have an accident or an incident occurs while you are under the influence of alcohol or drugs, most providers are unlikely to pay out on the claim

    • Pre-existing conditions: Some insurers may refuse to cover treatment for certain medical conditions, such as cancer or respiratory conditions. Other providers may increase your premiums instead to cover your health conditions

    • Airline strikes: Your airline is the first port of call for compensation in this case (although related costs such as accommodation may be covered by your travel insurance)

    • Extreme sports: Review your travel insurance policy to see which sports are covered. Activities deemed high-risk, such as skiing, may require a special insurance policy.

    • Natural disasters: Standard travel insurance typically excludes natural disaster coverage. If included, traveling after a disaster warning may void this coverage.

When should I buy travel insurance?

Do I always need travel insurance?

Travel insurance is an essential consideration for any trip, be it a quick trip to Spain or an extensive backpacking journey around the globe. It serves as a safeguard against unforeseen events that could occur while you are travelling.

Is there a good time to buy?

It's sensible to buy travel insurance as soon as you book your holiday. That way, your travel insurance policy will provide cover and protection both at your destination and in the run-up to your trip. For example, if you need to cancel it due to supplier failure, bereavement, redundancy, illness, or injury. 

For more information, read our guide on when to buy travel insurance 

Buy travel insurance tailored to your trip

When choosing the best insurance for your holiday you want the right policy for your needs. Choose from:

  • Annual Multi-trip

    Save time and money on multiple holidays during the year, normally with a 30-day cap on trip length.

  • Cruise Travel Insurance

    Provides coverage in the event that your ship misses a scheduled port stop due to inclement weather, or if you fall ill while at sea.

  • Single Trip

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

  • Backpacker Insurance

    Backpacker insurance is designed for individuals embarking on extended travel, frequently visiting several countries during a single journey.

  • Winter Sports Cover

    Insurance policies for winter sports, such as skiing and snowboarding, may also include coverage for equipment like skis and snowboards.

  • Business Travel Insurance

    Business travelers can opt for insurance tailored to their specific needs, offering protection for electronics such as laptops and coverage for additional travel expenses.

How to find cheaper travel insurance

It's important to choose a travel insurance policy that covers your needs. Cheapest isn't always best but there are steps you can take to find the right cover at the right price:

  • Compare quotes

    Comparing quotes from several brands at once makes it easier to assess whether the price and features meet your needs.

  • Consider optional extras

    Optional add-ons can enhance your coverage, but it’s worth checking whether they're already covered by other policies

  • Consider annual cover

    If you travel more than twice a year, an annual multi-trip policy can be a great money-saving option

  • Increase your excess

    Choosing a higher excess can help reduce your premiums. However, if you do have to make a claim, you will have to pay more toward it

  • Group travel cover

    Grouping family members or multiple travellers under one policy may be cheaper than taking out separate cover for each person.

  • Be mindful of trip length

    With single trip cover, your premiums reflect the length of your trip, so don’t pay more than you need

How much is travel insurance?

At MoneySuperMarket, you can find single-trip policies starting from £1.58 a day1 and annual cover starting from £9.854. However, there are several key factors that will affect your premium including:

  • Plus

    Your destination

    Where you plan to travel can affect premiums as the risks and cost of medical treatment varies between different countries

  • Plus

    Length of your trip

    The longer your trip often increases your risks therefore the more expensive your travel premium is likely to be

  • Plus

    Your age

    The older you are, the more expensive your premiums after likely to be. Older people are often placed in a higher-risk bracket to insurers 

  • Plus

    Pre-existing medical conditions

    Existing conditions may increase premiums as there is a higher risk to insurers that you may make a claim or need treatment on your holiday  

Example quote when comparing travel insurance

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Admiral Platinum

Single Trip

  • Policy price


  • Max excess per feature


  • Medical


  • Cancellation


  • Baggage


Great for

  • £500 of personal money cover
  • £300 of travel delay cover
  • Five star defaqto rating

But be aware that

  • Gadget cover not included

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.

Travel cover with pre-existing medical conditions

Travel insurance lets you explore the world with confidence, even with a pre-existing medical condition such as diabetes or cancer – as long as you tell your insurer about it. 

We can show you prices from a panel of specialist insurers that offer medical travel insurance covering a wide range of medical conditions to ensure you’ll be covered should a condition flare up while you’re away. 

If you're still struggling to find suitable cover, the MoneyHelper website provides a list of specialist insurers to help you get adequate cover, or you can call the British Insurance Brokers Association on 0370 950 1790.  

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Add policy upgrades for enhanced travel protection

When planning your next getaway, consider tailoring your travel insurance to fit your unique itinerary and personal requirements. Here are some specialised coverage options you might want to include:

  • Travel Gadget Insurance: Protect your gadgets on the go with and safeguard against the loss, theft, or damage of electronic devices such as smartphones, tablets, and portable gaming consoles. It's important to review what is specifically covered prior to purchasing.

  • Terrorism Cover: In the unsettling event of a terrorist incident, Terrorism cover provides peace of mind, offering the ability to cancel or curtail your trip if an act of terrorism occurs within a certain distance to your accommodation.

  • Natural disaster cover: Essential for those unexpected events, providing protection if your travel plans are impacted by natural disaters, including volcanic eruptions, earthquakes, floods, or hurricanes.

  • Travel connection delays: Don't let missed connections derail your journey and ensure you're compensated if you miss a connecting flight or ferry due to a delay in your initial mode of transport.

  • Sports travel insurance: For the adventurous souls engaging in high-adrenaline activities, Extreme sports coverage is a must, providing additional protection for activities like paragliding, hot air ballooning, skiing, or various water sports.

  • Wedding cover: If your special day is set in an exotic location, Wedding cover is there to protect your wedding attire, rings, and gifts, ensuring that even if something goes awry, your investment is secure.

Kara Gammell.

Our expert says


It can be easy to assume there are few risks when travelling, particularly when travelling in the UK or to a nearby country. However, there is always the possibility of something out of your control happening and when it comes to healthcare costs abroad this can end up costing thousands. With the right policy, one travel insurance payment can help alleviate any worries knowing if anything does go wrong, you’re covered.

- Kara Gammell., Life and Health insurance expert

Choose travel insurance for individuals or groups

MoneySuperMarket makes it easy to compare a wide range of specialist travel insurance options that cater specifically to your needs.

  • 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

  • Under 18s

    Whether it's travelling with school or with family, travel insurance can cover you for most things that could go wrong while you're away

Ready to compare quotes? Here's what to do next

  • Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for

  • We’ll do the legwork

    We’ll put together a list of travel insurance quotes, so you can pick one that works for you

  • You’re on your way

    Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip

Compare Travel Insurance with MoneySuperMarket

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • Flexible to suit your plans

    Get fully comprehensive cover for as long as you need it, whether that's one day or a few months

  • Quick and easy to use

    Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.

  • Save money

    Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.

Travel insurance comparison rated highly by our customers

At MoneySuperMarket, our mission is to help you Super Save on travel insurance. We offer a simple, hassle-free way to compare quotes from a wide range of insurers and our useful information and guidance will help you choose our best policy for your needs.

Join the thousands of satisfied customers who have highly rated our travel insurance comparison service.

Based on 17,663 reviews
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Money supermarket do all the hard work! List of cheapest quotes! Just had to decide which one! Always use money supermarket!!👍🫶
Pros: Easy to use and very competitive travel insurance with the benefits of policies at twice the price on other sites. Cons: No, don’t think so.
Pros: Easy to fill the in Cons: Always get good rating choices

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.

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.

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. 

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. 

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. 

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.

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. 

Booking a last-minute travel insurance policy is still possible, as you can usually still buy you're travel insurance up to the date of your departure. However, different policies will have different rules on how late you can book and booking last minute means you may miss out on cover if your trip is cancelled. It is always recommended to buy your travel insurance at the same time you book your trip.

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.

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.

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.

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?'