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Where you plan to travel can affect premiums as the risks and cost of medical treatment varies between different countries
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1Accurate as of September 2023
Travel insurance can protect you when your trip doesn’t go as smoothly as you planned.
The Association of British Insurers (ABI) reported a huge rise in flight cancellations and medical expense claims last year, and an average emergency treatment claim of £1,750.
Whether it’s a broken leg, stolen passport, lost luggage, or flight delays, your travel insurance can save you from a hefty bill if anything unexpected ruins your holiday.
Travel insurance offers peace of mind if anything goes wrong, from just a few pounds for your trip. Compare quotes with MoneySuperMarket to get our most competitive deals.
Emergency medical expenses: Find policies to at least £15m. Your medical bills will be covered if you need emergency medical treatments during your trip.
Cancellation cover: Compare quotes up to £7000. 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: Compare cover up to £4000. 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 your chosen 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.
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
At MoneySuperMarket, you can find single-trip policies starting from £4.603 however, there are several key factors that will affect your premium including:
Where you plan to travel can affect premiums as the risks and cost of medical treatment varies between different countries
The longer your trip often increases your risks therefore the more expensive your travel premium is likely to be
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
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
3Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 23rd June 2023 and ends on 27th June 2023. Equivalent to £1.60 per day.
It's recommended to buy travel insurance as soon as you book your holiday to ensure you have adequate protection for any unexpected events from that point onward. While a travel insurance policy can provide you with cover and protection once you get to the airport, you should strongly consider it to protect against risks that could occur in the run-up to your trip including cancellation due to supplier failure, bereavement, redundancy, illness, or injury.
For more information, read our guide on when to buy travel insurance
"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.
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When choosing the best insurance for your holiday you want the right policy for your needs. Choose from:
Often the cheapest policy option providing cover for one trip up to 31 days.
Save time and money on multiple holidays during the year, normally with a 30-day cap on trip length.
For trips longer than 31 days and can cover your getaway for up to 18 months.
Travel insurance allows you to explore the world with confidence, especially knowing you can still get cover if you have a pre-existing medical condition such as diabetes or cancer. We can show you prices from a panel of specialist medical insurers that cover a wide range of medical conditions.
If you're still struggling to find suitable cover, the Money and Pension Service (MaPs) also provide a list of specialist insurers on the MaPs directory website, or you can call the British Insurance Brokers Association on 0370 950 1790.
Healthcare costs and medical treatment abroad can be very expensive. While your premiums for medical travel insurance may be higher than a standard policy, if you fail to disclose any medical conditions to your insurer, any future claims you make may be invalidated should a condition flare up while you’re away.
Tailor your cover for your specific needs with a wide selection of policy extras available:
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
Choose to pay more on your policy to waive your insurance excess and have your insurer cover 100% of any claims you make
Choosing gadget travel insurance as an extra ensure your essential tech such as your phone and laptop are covered if they’re damaged, lost, or stolen
If you lose your passport or it’s stolen, adding passport insurance to your policy can help you get this sorted
A golf travel policy can protect your precious golfing gear and also cover non-refundable green fees
Cruise cover includes typical activities and risks associated with cruises, including medical treatment needed whilst on board the cruise ship
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:
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
MoneySuperMarket makes it easy to compare a wide range of specialist travel insurance options that cater specifically to your needs.
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
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
Travel insurance that will cover both you and your partner under one policy, so you won’t have to take out two separate policies
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
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
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
At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
We search through leading insurance providers, so you can find great deals to match your needs.
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.
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.
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.
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.
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.
You’ll normally need to pay for any costs upfront and then make a claim, much like any other type of insurance. Keep any documents for this reason, such as hospital bills, as otherwise your claim may be refused.
If you still have a European Health Insurance Card (EHIC) then it’ll be valid until its expiry date. This entitles you to medical treatment in certain countries for free or at a reduced cost. Otherwise, now that we’ve left the European Union you’ll need to get its replacement, the Global Health insurance Card (GHIC).
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.
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, your pregnancy 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?'
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