From a short break to a long holiday, single trip insurance will cover you throughout your entire trip and will end once you return
*Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 12th September 2022 and ends on 15th September 22. Equivalent to £1.73 per day.
**Accurate as of January 2023
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
Medical expenses - Medical treatment can be expensive abroad, especially in places like the USA, but with medical expenses cover you can claim for the cost of care
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
Airline strikes- If your flight is canceled 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
Pre-existing conditions - A standard policy will not cover any pre-existing health conditions. You need to declare any health problems or you risk invalidating your policy
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
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
From a short break to a long holiday, single trip insurance will cover you throughout your entire trip and will end once you return
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
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
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
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
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
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
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
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
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
We search through some of the leading insurance providers out there, so you can easily find the cheapest deal that gives you the cover you need.
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.
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.
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.
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 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.
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
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."
Comparing quotes from several brands at once makes it easier to assess whether the price and features meet your needs.
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
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
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.
Give a few details about you, your travel plans, and what you need cover for.
We’ll put together a list of travel insurance quotes, so you can pick one that works for you.
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.
Travel insurance doesn’t have to cost the earth: policies start from as low as £4.60† for a personal single trip cover, or £11.85† for annual cover.
How much your travel insurance policy costs depends on what sort of cover you opt for and how long the policy covers you for. Travel insurance quotes will also take into account if your policy is personal or if you are travelling with a partner or your family.
†Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 7 October 2021 and ends on 10 October 2021. Annual cover from £11.85 based on an individual aged 30 with no pre-existing conditions taking annual cover for travel in Europe. Cover starts on 7 October 2021 and ends after 12 months.
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.
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.
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.
Travel insurance isn’t a legal requirement, but it can provide peace of mind for your holiday so you can concentrate on enjoying your trip. This is because travel insurance can offer useful coverage for things like cancelled flights and accommodation from before you even leave the country.
Travel insurance also offers medical treatment coverage, which can be helpful in countries like the USA and Canada where treatment costs can reach the thousands. You’ll even have the option to cover your personal possessions and belongings, so if you lose your phone or passport you’ll be able to claim for any resulting costs.
Without a good travel insurance policy, you’d have to pay out of pocket, which could put a damper on your holiday plans.
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.
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.
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
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