Skip to content



Image of two suitcases

Compare holiday insurance quotes from 35 trusted UK providers**

We’re dedicated to finding you a great deal on your travel insurance, that's why we compare deals from 35 leading travel insurance providers, including:

company logo for sainsburys-v2company logo for holiday-extrascompany logo for admiral-newcompany logo for post-office-newcompany logo for rac-logo-110-69company logo for Tesco Bankcompany logo for virgin-money-new

*Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 13th Feb 2023 and ends on 16th Feb 2023. Equivalent to £1.89 per day.

**Accurate as of March 2023

Do I need travel insurance?

Losing your luggage, getting your passport stolen or even being forced to stay or repatriate are all misfortunes that may occur while you’re away and can end up wreaking havoc on your holiday as well as your wallet.

Travel insurance is designed to offer protection against events that are out of your control. From cancelled or delayed flights to medical emergencies, the right travel insurance can protect you against the risks associated with travelling giving you peace of mind knowing that if anything were to go wrong, you’ll be looked after both physically and financially.

Graphic of a suitcase

What does holiday insurance cover?

  • Tick


    • Pre-existing medical conditions costs - You will be covered for any pre-existing conditions named in your policy or any separate medical issues that may arise. If it is excluded from your policy you will not be covered.

    • Cancellation cover - With cancellation cover you'll be able to claim for the cost up to a certain amount if you have to cancel your holiday as a result of an incident or event covered by your policy.

    • Lost baggage & belongings - If your baggage or personal belongings are lost, damaged, or stolen during the course of your holiday, you’ll be able to claim up to a certain amount.

    • Travel disruption - If your trip is delayed or cut short as a result of a disruption, you’ll be able to claim for parts of your trip that are affected, like flights or accommodation.

    • Repatriation - If you need to be brought back home during your trip in a medical emergency, this will cover the cost of arranging your repatriation.

    • Personal liability - Should you be at fault in an incident, for example, if you injure someone or damage their possessions, you’ll be covered for the cost of legal fees and any damages or costs you are legally liable for.

  • Cross

    Not covered

    • Excluded pre-existing conditions - You will not covered for medical expenses arising from pre-existing medical conditions that have been excluded or weren’t mentioned in your application  

    • Airline strikes- If your flight is cancelled or delayed due to an airline strike, then you may be able to receive compensation through the airline although you can still claim on your travel insurance for other costs such as accommodation

    • Choosing not to travel - Your travel insurance will not cover you if you simply decide you no longer want to go on holiday

    • High-risk sports - A standard travel insurance policy will not cover higher-risk activities like winter sports. However, you can get specialist cover

    • 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

    • Alcohol-related incidents - If you have an accident or an incident occurs while you are under the influence, most providers are unlikely to pay out on the claim

Can I get cover for COVID-19?

Travel cover is available from MoneySuperMarket – and every provider on our panel offers emergency medical treatment and repatriation for coronavirus claims as a minimum.

This means you can rest assured you are covered for both medical treatment and getting back to the UK if you contract coronavirus while you are on holiday. This is particularly important if you are a high-risk traveller.

Some of our providers also offer additional cover related to Covid, which offers more protection than standard our basic level of cover. However, for your policy to be valid, you must not be travelling against FCDO advice. This means you will not be covered if you travel during a lockdown or to countries that do not feature on the FCDO exempt list

Find out more about travel insurance with covid cover

Find policies tailored to your trip

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

  • Single trip cover

    From a short break to a long holiday, single trip insurance will cover you throughout your entire trip and will end once you return

  • Annual multi trip cover

    Travelling more than once this year? An annual multi-trip policy can save you time and money on multiple holidays over a year, normally with a 30-day cap on trip length

  • Long stay backpacker cover

    Gives you the ultimate freedom to travel. You can get cover for trips that last longer than a month and usually up to 18 months. Perfect for a backpacking

Compare deals on specialist cover

  • Pre-existing medical conditions

    You can still get cover if you have a pre-existing condition, although premiums are likely to be more expensive. Healthcare costs and medical treatment abroad can be very expensive, so it is vital you disclose any medical conditions to ensure you can claim should a condition flare up while you’re away

  • Over 70s travel insurance

    The type of policy you chose takes care of your personal health and medical needs. Make sure you choose cover that applies to you. If you are over 70, you can get travel insurance that reflects risks likely to affect older travellers

Add policy extras to your quote

  • Plus

    Winter sports cover

    If you’re planning a snowboarding or skiing trip, a winter sports policy provides cover for medical treatment or high-value equipment related to your activities

  • Plus

    Excess waiver

    You can opt to pay more on your policy to waive your insurance excess and have your insurer cover 100% of any claims you make.

  • Plus


    Choosing gadget travel insurance as part of your policy can ensure you have the right level of cover for your phone and laptop should they be damaged, lost, or stolen

  • Plus

    Passport cover

    It's important to keep your passport and other documents safe and protected, if the worst should happen, adding passport insurance to your policy can help you resolve the issue

  • Plus

    Golf equipment cover

    Golfing equipment can be expensive as well as special to you personally – a golf travel policy can protect your gear and also cover non-refundable green fees

  • Plus

    Cruise cover

    Cruise cover is a policy add-on that’s designed specifically for cruise holidays. These policies take into consideration the typical activities and risks associated with cruise travel and extend existing cover to any medical treatment needed whilst on board the cruise ship

Why 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:

  • Deals tailored to you

    We search through leading insurance providers, so you can find great deals to match your needs.

  • 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.

  • Highly rated

    Thousands of happy holidaymakers say they’d use our services again* – so why not try it now and see how much you could save?

*Source: Feefo. Users rated MoneySuperMarket Travel Insurance 4.7/5.

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

of our customers would buy again
based on 17,023 reviews

Pros: Easy to use very helpful and detailed
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: It was fast and pain free Cons: no

How much does travel insurance cost?

At MoneySuperMarket, you can find single trip policies starting from £5.18* however, there are several key factors that will affect your premium including:

  • 1

    Your destination

    Where you plan to travel to is a factor that can affect premiums as the cost of medical treatment varies between different countries and some countries may be prone to other risk factors, like natural disasters such as tsunamis or earthquakes.

  • 2

    Length of trip

    The longer your trip, the greater the likelihood that you will have to claim for lost or stolen possessions or medical treatment and so the more expensive your travel premium is likely to be

  • Your age

    Your travel insurance premiums are likely to increase with age as you develop a higher risk of experiencing accidents, injuries, and illness. Travel insurers usually place travellers into age bands with over 65 travellers often placed in a higher-risk bracket.

  • 4

    Any medical conditions

    If you declare your medical conditions, your premium is likely to include an additional charge to ensure you are covered if you need medical treatment should the conditions flare up while you are away. We offer cover for a wide range of medical conditions, but some may need to consider specialist cover

Angela Dove

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.

- Angela Dove, Travel Insurance Expert

How to choose the best 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:

  • Shop around

    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, such as gadget insurance can enhance your coverage, however it’s worth checking whether they're already covered abroad through other policies.

  • Check policy type

    If you travel more than twice a year, an annual multi-trip policy can be a great money-saving option for you, saving you from looking for a new policy each time you travel.

  • 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.

Get tailored travel insurance quotes with MoneySuperMarket

  • 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.

A decent travel insurance policy is a sensible thing to buy for any holiday or overseas trip. If you’re injured whilst away, travel insurance can cover your 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 any monetary loss. And if your baggage or belongings are damaged or lost, then travel insurance could compensate you up to a set limit.

It’s advisable to purchase travel insurance the moment you book your trip, because without it you risk not being covered in the event of something disrupting your holiday. 

For example, if an illness or weather disruption affected your trip, you would not be able to claim for any damages or refunds if you haven’t already bought insurance.

Travel insurance covers you after the event, which means that you will normally need to pay for any costs upfront and then make a claim to the insurance company, much like any other type of insurance. You will need to keep any documentation for this reason, hospital bills for example, as otherwise your claim may be refuted.

You should always read the small print to know exactly what you are getting and what you are covered for. Some policies might not cover everything you need, so double check before you depart.

If you’re travelling to Europe a European Health Insurance Card (EHIC) can be useful, as it entitles you to medical treatment in certain countries for free or at a reduced cost – essentially the same that applies to citizens of that country. However it 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.

Even though Britain has now left the EU, your EHIC card is still valid - existing cards can run until they expire (most cards have a five year life). Check the expiry date before you travel.

As the EHIC is phased out it is being replaced by the Global Health Insurance Card (GHIC) for UK nationals living in the UK.

As with any insurance policy, an excess is the amount you will need to pay when making a claim, and it varies by insurer. This is the part of the claim you must pay to allow for the insurer to pay for the remainder. 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.

It’s recommended that you take out a travel insurance policy as soon as you can after you’ve booked your holiday. This is because it can cover part or all the cost of cancelling your holiday before you leave if you need to, as a result of:

  • An illness or injury

  • A redundancy

  • A bereavement

If you need to make a claim on your travel insurance policy, you should consider the following to make sure you have the best chance of your claim being accepted:

  • 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. It will help them find your details easier, and it can help keep you fully informed about what you’ll be covered for.

  • 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.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

  • Whip your credit score into shape with Credit Monitor

  • Super save over and over again with Energy Monitor

  • There are always more ways to save with MoneySuperMarket 

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.