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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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Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.
1Accurate as of November 2023
Travelling without insurance leaves you open to significant financial risks if things don’t go as planned – which unfortunately is often the case according to the Association of British Insurers (ABI) which reported a 75% increase in cancellation and 235% increase in medical claims from 2021 to 2022 and an average emergency treatment claim of £1,750.
For just a few pounds, travel insurance provides peace of mind and ensures you’re not left out of pocket due to unexpected events such as:
Medical emergencies
Cancellation or delays
Lost or damaged baggage
Theft or loss of travel documents
Emergency medical expenses: Protection for medical bills or emergency medical treatments, with up to £15million of cover available
Cancellation cover: Compare up to £7,000 cover for having to cancel your holiday due to an incident or event included in your policy
Lost baggage & belongings: Up to £4,000 in case your baggage or personal belongings are lost, damaged, or stolen while you’re away
Travel disruption: Protection against costs incurred if your trip is delayed or has to be cut short.
Repatriation: Covers the cost of bringing you back home after a medical emergency
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
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 £4.802 and annual cover starting from £11.903. 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
2Based on quotes from £4.80 for an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 9th October 2023 and ends on 12th October 2023.
3Based on an individual aged 30 taking European cover. Cover starts on 9th October 2023.
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
It’s possible to book a last-minute travel insurance policy up to and including your departure date.
However, different policies have different rules on how late you can book. Booking last minute also means you miss out on cover if your trip is cancelled.
"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.
Healthcare costs and medical treatment abroad can be very expensive. With travel insurance, you can explore the world with confidence, even if you have 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. Premiums are often higher than a standard policy, but at least 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.
Tailor your cover for your specific needs with a wide selection of policy extras available:
Provides cover for medical treatment or high-value equipment related to your winter sports activities
When you pay more to waive the need to pay an excess amount towards any claims
Protects your gadgets such as your phone and laptop if it is damaged, lost, or stolen
In case you lose your passport or it’s stolen while you’re away
Protects your golfing gear and covers non-refundable green fees
Includes activities and risks associated with cruises, including medical treatment needed while on board
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
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
Grouping family members or multiple travellers under one policy may be cheaper than taking out separate cover for each person.
With single trip cover, your premiums reflect the length of your trip, so don’t pay more than you need.
At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months
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.
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.
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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