Travel insurance by destination
Get travel insurance for different locations
Travel insurance by destination
How much does travel insurance cost?
How much is travel insurance?
Prices can vary significantly depending factors like the destination and duration of your trip. Use our travel insurance tool to get an estimate of the typical cost for your holiday.
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Add a few details about your trip to see an estimated price.
What type of travel insurance do I need?
If you're just going to Europe you can get European travel insurance. Otherwise, you'll need worldwide cover.
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Single-trip insurance
Best for a one-off holiday of less than 30 days. You can visit more than one country, as long as you don't return home in-between.
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Annual multi-trip insurance
If you go away often then this type policy could be better value. It covers multiple trips for one year.
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Backpackers insurance
If you're away for over 30 days, this offers extended cover for longer trips and for multiple countries.
FAQs
When should I buy travel insurance?
As soon as you've booked your trip.
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.
Is it cheaper to buy travel insurance closer to my holiday?
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.
What does excess mean in travel insurance?
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.
What is the cheapest place to get travel insurance for?
Does travel insurance cover all countries?
No - most travel insurance policies will have exclusions; you should always check your documents before you go.
If you take out European travel insurance, it won't cover countries outside of Europe. Perhaps more surprisingly, not all policies cover all European countries. Turkey is one that is often excluded.
A lot of worldwide travel policies will exclude the USA, Canada and the Caribbean unless you specify that you want those countries included. (Adding them will probably make the policy price go up, due to the expensive healthcare costs in those locations.)
Almost all travel insurance policies will not cover you for travel to areas the UK government has advised against going to. (You can see a list of these countries on the Foreign Travel Advice website.) You may be able to get specialist high-risk insurance for such places, but it will likely be expensive.
What does travel insurance cover?
Travel insurance policy inclusions and exclusions can vary. Always read your own policy documents thoroughly.
Usually covered |
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✔ Emergency medical expenses In case you get ill or injured and need medical treatment. |
✔ Repatriation Covers the cost to bring you home if you become seriously injured or ill. |
In case you need to cancel your holiday for reasons such as illness or bereavement. |
✔ Lost baggage and belongings In case your baggage or personal belongings are lost, damaged, or stolen. |
✔ Personal accident and death A fixed payout for certain serious injuries, permanent disability or accidental death. |
✔ Personal liability In case you are involved in an incident that results in legal costs or damages. |
✔ Covid-19 cover Most companies usually include Covid cover as standard. |
Often covered by upgrade |
|---|
In case you are delayed by bad weather, strikes, or something breaking down. |
Activities such as skiing, hiking and diving often require specialist insurance. |
✔ Cruises Missed port departures, cabin confinement, itinerary changes and missed excursions. |
✔ Golf Golf equipment, replacement club hire and non-refundable green fees. |
✔ Business trips Work equipment, business-related belongings and certain additional travel expenses. |
✔ Weddings Additional protection for wedding attire, rings and gifts when getting married abroad. |
Additional protection for phones, laptops, tablets and other expensive electronics. |
Usually not covered |
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✖ Choosing not to travel You can’t claim simply because you no longer want to go on holiday. |
✖ Missed flights If the reason is because you were late or didn't get through security on time. |
✖ Force majeure 'Acts of God', terrorism and civil unrest aren't covered as standard. |
✖ Alcohol and drug related incidents If you have an accident or an incident while you are under the influence. |
✖ Undeclared medical conditions If you need treatment for medical conditions you didn't declare. |
✖ Travelling against government advice If the FCDO advised against travel to that country. |
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.
What counts as a pre-existing condition?
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 disabilities and mental health conditions.
Do all conditions make travel insurance more expensive?
No. If your insurer does not consider your medical condition to be particularly severe, or if it was something that was successfully treated a long time ago, they may cover it for free.
Is pregnancy a pre-existing medical condition?
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.Â
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.
I didn't declare a medical condition - now what?
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.
Our expert says…
Make visiting FCDO Travel Advice on gov.uk and signing up to email alerts part of your holiday preparations. Travel Advice has the latest key info for over 200 destinations and covers everything from entry requirements to safety and security. It will help you make informed decisions when travelling abroad.
Director, Consular & Crisis (FCDO)
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Reviewed on 5 Nov 2026 by
Sources and supporting information
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[1]
Based on a daily rate for an individual aged 30 with no pre-existing medical conditions, taking single trip cover for 3 days to France. Cover starts on 11th January and ends on 14th January 2025. Moneysupermarket data correct as of 08 January 2025.
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[2]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[3]
SuperSaveClub restrictions and T&Cs apply. Click here for details.
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[4]
Data based on the average price of travel insurance sold through MoneySuperMarket to Spain in October 2026. Where the policy type was for single-trip.
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[5]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Spain in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[6]
Data based on the average price of travel insurance sold through MoneySuperMarket to France in October 2026. Where the policy type was for single-trip.
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[7]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to France in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[8]
Data based on the average price of travel insurance sold through MoneySuperMarket to Italy in October 2026. Where the policy type was for single-trip.
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[9]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Italy in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[10]
Data based on the average price of travel insurance sold through MoneySuperMarket to Portugal in October 2026. Where the policy type was for single-trip.
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[11]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Portugal in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[12]
Data based on the average price of travel insurance sold through MoneySuperMarket to Germany in October 2026. Where the policy type was for single-trip.
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[13]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Germany in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[14]
Data based on the average price of travel insurance sold through MoneySuperMarket to Turkey in October 2026. Where the policy type was for single-trip.
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[15]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Turkey in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[16]
Data based on the average price of travel insurance sold through MoneySuperMarket to USA in October 2026. Where the policy type was for single-trip.
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[17]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to USA in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[18]
Data based on the average price of travel insurance sold through MoneySuperMarket to Canada in October 2026. Where the policy type was for single-trip.
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[19]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Canada in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[20]
Data based on the average price of travel insurance sold through MoneySuperMarket to Australia in October 2026. Where the policy type was for single-trip.
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[21]
Data based on the minimum price of travel insurance sold through MoneySuperMarket to Australia in October 2026. Prices vary based on your personal details & circumstances. Where the policy type was for single-trip.
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[22]
The number of providers for travel insurance in November 2026
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[23]
T&Cs and restrictions apply, see here for more information
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[24]
T&Cs apply, click here for more information
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[25]
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
