Find cheaper travel insurance and earn up to £5[1]SuperSaveClub restrictions and T&Cs apply. Click here for details.
Find quotes from £0.83[4]Using the 10th percentile of premiums, based on individuals aged 30 with no pre-existing medical conditions, taking single trip cover for 3 days to France. Using Moneysupermarket policies sold between November 2024 and January 2025 in minutes
Earn up to £130 in rewards every year with SuperSaveClub[2]Up to £130 if every qualifying product purchased once. T&Cs apply. Click here for details.
Withdraw as Amazon.co.uk[3]T&Cs apply, click here for more information, Sainsbury’s gift card & more
Travel insurance financially protects you if something goes wrong during your holiday or before you travel. It covers:
Trip cancellation or interruption
Medical expenses
Lost, stolen, or damaged baggage
Do I need it?
🚩 Cruise companies and some travel companies will insist you have insurance
It's not a legal requirement to take out travel insurance. But without it you could be personally responsible for some very large costs.
The average cost of a travel insurance medical claim is £1,724[5]Source: Association for British Insurers, 'Safe travels: remember the ‘Travellers Ten’ when taking out insurance' August 2024.
The average cost of European travel insurance bought through us is just £32.04[6]Data based on the median price of travel insurance sold through MoneySuperMarket to Europe in January 2025. .
Single-trip insurance covers you for one trip of under a month in length.
You must declare all pre-existing medical conditions when you take out travel insurance. Otherwise your insurer can refuse to pay out.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. This includes mental health conditions.
Family travel insurance typically covers up to two adults and eight children (who must be under 18) under one policy. Getting this sort of insurance for your family holidays can save you time and sometimes money.
Group travel insurance can be taken out for any group of people that travels together. It is often cheaper than taking out multiple individual policies.
Standard travel policies often have upper age limits on them.
You can still get cover if you are in your 70s, 80s or older, but you may need to take out specialised over 70s travel insurance. It is likely to be more expensive than standard policies.
Standard travel insurance policies generally don’t cover cruises, so you will need to take out specialised cruise insurance.
Most cruise companies will not let you board your boat without it.
Visa rules for the Schengen area have changed, however. Britons can now only travel visa-free for up to 90 days in any 180-day period.
Global Health Insurance Cards (GHIC) or in-date versions of the older European Health Insurance Card (EHIC), can still be used to access state-funded healthcare in most EU countries. You can order a GHIC for free from the NHS' website. The NHS and the UK government both advise you to take out travel insurance alongside the GHIC.
Yes. While the NHS will cover your medical expenses if you are a British resident holidaying in the UK, travel insurance can financially protect you from holiday cancellations, baggage loss, theft, and damages to your mobile phone and gadgets while away from home.
If you take multiple trips away each year, an annual multi-trip policy can cover you for both your holidays abroad and your UK staycations.
Yes, travel insurance providers typically treat Jersey, Guernsey, and all other Channel Islands as part of the UK.
You should be aware that Jersey and Guernsey do not have the NHS. There are reciprocal healthcare agreements in place which allow UK visitors to access healthcare during their stay. However, these do not cover services like repatriation.
Yes. Although the Global Health insurance Card (GHIC) grants access to emergency medical treatment in specific countries at reduced or no cost, it does not cover private medical expenses, rescue or repatriation. You need travel insurance for these situations.
Without travel insurance you will also have no protection for your belongings, accommodation, or flights.
You can buy travel insurance up to your departure date, even last-minute.
However, some insurers will have earlier cut-off limits, and many will charge more for last-minute purchases.
Buying insurance earlier, ideally as soon as you book the trip, also means you will be covered if your trip is cancelled because of an event outside of your control.
Frequently Asked Questions
Do I need different travel insurance for Europe following Brexit?
Can I get travel insurance for the UK?
Are Jersey and Guernsey considered part of the UK for travel insurance?
Do I need travel insurance if I have a Global Health Insurance Card?
When is it too late to buy travel insurance?
What does travel insurance cover?
💡 Top tip: Travel insurance policy inclusions and exclusions can vary. Always read your own policy documents thoroughly.
These are the current median prices of travel insurance policies sold through MoneySuperMarket.
Single trip
£15
.42[7]Data based on the median price of travel insurance sold through MoneySuperMarket for single trip cover in May 2024.
Annual multi trip
£44
.40[8]Data based on the median price of travel insurance sold through MoneySuperMarket for annual multi trip cover in 2024.
Backpackers
£131
.77[9]Data based on the median price of travel insurance sold through MoneySuperMarket for backpacker cover in May 2024.
Ready to compare quotes?
Select your cover
You're always better off with MoneySuperMarket
Earn up to £5[10]SuperSaveClub restrictions and T&Cs apply. Click here for details. every time you buy
We’ll reward you every time you make a purchase. Exchange your earnings for a gift card for Amazon.co.uk[3]T&Cs apply, click here for more information, Sainsbury’s & more
Free days out
Get a 12-month pass to 1000s of attractions, including London Zoo, Go Ape, Gravity Active, English Heritage and more. Worth £180[11] Based on 1 visit per month – average ticket value £15.30 (Oct 24). App users only
Cashback
Whether you're buying clothing, homewares or takeaways, earn up to 10%[12]T&Cs and restrictions apply, see here for more information cashback from brands like Just Eat, eBay & Argos.
Refer a Friend
You and your friends each get up to £20 when they join the Club and make a qualifying purchase. Win-Win!
Compare quotes from 52[13]The number of providers for travel insurance in January 2025 insurers
We work with the leading travel insurers to find you the right cover at the right price.
It will probably be cheaper, and you'll be protected if your holiday is cancelled, say because you are made redundant or someone close to you passes away.
Forgotten about travel insurance? You can still get last-minute travel insurance up to the day of your departure.
No, it's often more expensive to wait to buy travel insurance.
Buying travel insurance immediately after booking your trip will also protect you from cancellations outside of your control, such as supplier failure, bereavement, redundancy, illness, or injury.
The excess is the amount you need to pay towards any insurance claim you make. If you had a policy with a £150 excess and you claimed for lost luggage worth £800, you would pay the £150 and the remaining £650 would be paid by your insurer.
Excess amounts vary by insurer. You can often choose to increase your excess to reduce your policy cost.
When should I buy travel insurance?
Is it cheaper to buy travel insurance closer to my holiday?
What does excess mean in travel insurance?
What’s the cheapest price I could pay?
£0
.83[4]Using the 10th percentile of premiums, based on individuals aged 30 with no pre-existing medical conditions, taking single trip cover for 3 days to France. Using Moneysupermarket policies sold between November 2024 and January 2025 per day
💡Top tip: Cheaper isn't always better - a bare-bones policy may leave you unable to claim when you need to.
What will impact the cost of my travel insurance?
Your destination
As risks and medical costs vary between different countries.
Length of your trip
The longer your trip the more expensive your insurance is likely to be.
Your age
The older you are, the more expensive your premiums are likely to be.
Pre-existing medicial conditions
Existing conditions can increase the cost of your insurance.
How can I get cheaper travel insurance?
Comparing quotes from several brands means you can find the best deal for the type of cover you want.
Don't want something else on the to-do list? MoneySuperMarket can do the work for you, finding you multiple travel insurance quotes in minutes.
Choosing a higher excess is likely to reduce your premiums.
Of course if you do have to make a claim, you will have to pay more toward it.
Don't pay for cover you won't need. If your holiday plans consist of just lying on a beach, you won't get much value from an extreme sports add-on.
If you travel more than twice a year, an annual multi-trip policy is likely to save you money... as well as cut down on the time and effort you need to put into sorting insurance!
Grouping multiple travellers under one policy may be cheaper than taking out separate cover for each person.
Family travel insurance typically covers up to two adults and eight children (who must be under 18) under one policy. Getting this sort of insurance for your family holidays can save you time and sometimes money.
Can I get travel insurance if I have a medical condition?
Yes. You can get travel insurance even with severe medical conditions such as diabetes or cancer. However, it is likely to be more expensive than a standard policy.
MoneySuperMarket can show you prices from multiple insurers that offer medical travel insurance, helping you find the best deal for you.
If you can't find suitable cover through us, 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.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy.
No. If your insurer does not consider your medical condition to be particular severe, or if it was something that was successfully treated a long time ago, they may cover it for free.
No, insurers don’t usually categorise pregnancy as a pre-existing condition. Your standard travel insurance policy should cover you for medical emergencies related to your pregnancy so long as you haven’t had any prior complications.
However. you may not be covered to travel if you’re more than 37 weeks pregnant - or less if you’re having twins or triplets.
You should tell your insurer all pre-existing medical conditions when you take out travel insurance. Otherwise your insurer can refuse to pay out for claims related to that condition.
If you have already taken out insurance without declaring a condition, you can contact your insurer and ask if your medical condition can be added to your policy. Depending on the specifics of your condition, they may be able to cover it for free or for a small upgrade fee.
What counts as a pre-existing condition?
Do all conditions make travel insurance more expensive?
Easy to navigate and understand and very good prices. Thank you
Good price for worldwide yearly travel. Easy to apply and buy!!
A variety of choices with various filters so you can choose what it’s important to you. The de facto rating unimportant to me so I filtered by that but for others it could be price and amount of over .
I got what I needed at a very fair price so didn’t bother shopping around
Great service
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
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.
Yes. Although the Global Health insurance Card (GHIC) grants access to emergency medical treatment in specific countries at reduced or no cost, it does not cover private medical expenses, rescue or repatriation. You need travel insurance for these situations.
Without travel insurance you will also have no protection for your belongings, 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.
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.
Yes. While the NHS will cover your medical expenses if you are a British resident holidaying in the UK, travel insurance can financially protect you from holiday cancellations, baggage loss, theft, and damages to your mobile phone and gadgets while away from home.
If you take multiple trips away each year, an annual multi-trip policy can cover you for both your holidays abroad and your UK staycations.
Yes, travel insurance providers typically treat Jersey, Guernsey, and all other Channel Islands as part of the UK.
You should be aware that Jersey and Guernsey do not have the NHS. There are reciprocal healthcare agreements in place which allow UK visitors to access healthcare during their stay. However, these do not cover services like repatriation.
You can buy travel insurance up to your departure date, even last-minute.
However, some insurers will have earlier cut-off limits, and many will charge more for last-minute purchases.
Buying insurance earlier, ideally as soon as you book the trip, also means you will be covered if your trip is cancelled because of an event outside of your control.
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.
Visa rules for the Schengen area have changed, however. Britons can now only travel visa-free for up to 90 days in any 180-day period.
Global Health Insurance Cards (GHIC) or in-date versions of the older European Health Insurance Card (EHIC), can still be used to access state-funded healthcare in most EU countries. You can order a GHIC for free from the NHS' website. The NHS and the UK government both advise you to take out travel insurance alongside the GHIC.
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.
Travelling to a specific destination? You can compare travel insurance for the location you're travelling to.
We make our money by saving you money. Our comparison service is, and will always be, free to use.
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
One of the best ways to get the lowest prices and best deals on your household bills is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
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 Score
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.
How does MoneySuperMarket make money?
Why should I use a price comparison website?
Does MoneySuperMarket work with all the providers on the market?
Here's what our travel insurance customers say:
See all reviewsEasy to navigate and understand and very good prices. Thank you
Jas
Good price for worldwide yearly travel. Easy to apply and buy!!
Anne Wright
A variety of choices with various filters so you can choose what it’s important to you. The de facto rating unimportant to me so I filtered by that but for others it could be price and amount of over . I got what I needed at a very fair price so didn’t bother shopping around
Jo P
Great service
Verity Anne Kunman