Travel insurance

Compare travel insurance quotes and get the right cover for your holiday

How to get travel insurance 

Just tell us a few details and we'll help you find the right cover:

  1. Type of cover

    Whether it’s single trip, annual or long-stay cover

  2. Who you want to insure

    Are you travelling alone or with others?

  3. Additional cover options

    If you need extra cover for winter sports or a cruise, for example

  4. Your details

    The usual things – like your name, age and email address

  5. Your medical history

    Whether you have any pre-existing medical conditions

Why is travel insurance important?

Travel insurance is there to help cover unexpected costs that would otherwise put you out of pocket - medical costs can be very high in some countries so it's important to have suitable cover for that.

It’ll usually include cover for things like:

  • Emergency medical expenses
  • Cancelling or cutting your trip short
  • Lost luggage
  • Flight delays
  • Personal liability claims

And there are two main types of policy you can get:

  • Single trip
  • Annual multi-trip

You can also choose policies tailored for your type of trip, including cruise travel insurance, winter sports or Ski travel insurance.

Some countries might require you to have travel insurance in place before you visit.

travel insurance

Travel insurance companies we work with

We look for quotes from trusted UK travel insurance companies including:

Admiral logo
Coverwise logo
Post office money logo
RAC logo
Sainsburys Bank logo
Tripsure logo
Zurich logo
AA logo

Can I get travel insurance with Covid-19 cover?

Yes you can still compare and buy travel insurance, and most policies will cover coronavirus-related emergency medical care and repatriation (getting you back to the UK). 

Some insurers offer further Covid cover, for things like cancellation and denied boarding, but exactly what’s offered varies a lot. No policy will cover you if you travel against Foreign, Commonwealth and Development Office (FCDO) advice.

Travel insurance policy types

Find the right type of travel insurance for your trip.

  • Single trip insurance

    • Covers you for one destination, for trips up to 30 days
    • Choose the country or area you're travelling to and how long you're going for
    • You can add-on cover for activities too, like skiing
    Single trip insurance
  • Annual multi-trip cover

    • Covers you for multiple trips in one year
    • If you travel frequently - more than once or twice per year, it could work out cheaper than a single trip policy
    • Choose a policy for an individual, couple, group or family
    Annual travel insurance
  • Backpacker travel insurance

    • This covers you for a continuous trip for between two and 18 months
    • It covers you visiting multiple countries if you're away for a long time
    • You can buy it for individuals, couples, families and groups
    Backpacker insurance

Compare travel insurance to get the right cover for you

Get quotes

Travelling with serious pre-existing medical conditions

Our panel includes travel insurance providers that can give you a quote for policies with cover for many declared serious medical conditions.

If you have more extreme and serious medical conditions, Money Helper has launched a directory of insurance providers who may be able to give you a quote over the phone.

You can find the directory at the Money Helper or call the British Insurance Brokers Association on 0370 950 1790.

What does travel insurance cover?

What's included varies by provider so check your policy to be sure. A few things most policies cover are listed below:

  • Medical expenses

    Covers the cost of emergency visits to the doctor or hospital for medical treatment while abroad. You'll need to declare any pre-existing medical conditions, or you may not be covered.

  • Repatriation

    Repatriation covers the cost of getting you home to the UK for further medical treatment if you're seriously ill or injured abroad.

  • Cancellation or curtailment

    If you need to cancel, cut short or delay your holiday for certain reasons outside your control, you could reclaim the cost. You won't be covered if you knew that you might need to cancel or cut short your trip, for example because you were already unwell.

  • Lost, stolen or damaged possessions

    Cover for your luggage and belongings. This sometimes also includes cover for passports or cash. Your home contents policy or gadget insurance might offer some cover for your possessions while abroad as well.

  • Personal liability and legal expenses

    Covers the costs of legal fees, in case you accidentally injure someone or damage their property and they sue you. It can also help you pursue compensation if you’re injured during your trip where someone else was to blame.

  • Delayed departure

    Most travel insurance companies will offer some cover for delayed outbound or inbound journeys, however the requirements for the length of the delay and what compensation is available may differ. Make sure you read your policy so you know what you're covered for.

Travel insurance to suit your needs

You need to choose the right insurance for your trip. Think about how frequently you travel, where in the world you're going and what you'll be doing.

We'll help you narrow down the options and choose when you get quotes.

  • Single trip travel insurance

    Single trip travel insurance covers you for one destination, usually for trips of up to 30 days. You can bolt-on cover for activities too, like skiing.

    Single trip
  • Annual travel insurance

    Annual travel insurance covers you for multiple trips for one year. If you travel regularly, it can work out cheaper.

    Annual travel
  • Worldwide travel insurance

    There are two types of worldwide cover: including America, Canada and the Caribbean, or excluding them. If you’re not travelling to these destinations, exclude them from your cover. Medical care is expensive in these places, so it’ll push up the price of your insurance.

    Worldwide travel
  • Pre-existing medical conditions

    If you need travel insurance for a pre-existing medical condition, you need to let the insurer know. Otherwise, they won't cover you for it. If it gets worse while you're away, and you haven't declared it, they won't help you with any medical costs or repatriation.

    Medical conditions
  • Family travel insurance

    Family travel insurance covers one to two adults, and up to eight children, providing they live with you and are under 18, otherwise you may need a group policy.

    Family travel
  • Over 70s travel insurance

    Older travellers are more likely to have existing medical conditions, therefore the cost of travel insurance tends to be higher, but you can still get the right cover at the right price, by comparing policies.

    Over 70s

How to get cheaper travel insurance

Try these top tips to get cheaper travel insurance:

  1. Choose the right policy type

    If you’re only taking one holiday this year, single-trip travel insurance will probably be cheaper, but if you travel more frequently, annual multi-trip could save you money. Compare both to check.

  2. Consider a family or couples policy

    If you’re travelling with friends or family, it might be cheaper to buy a policy that covers the whole group, especially if none of you have pre-existing medical conditions.

  3. Get the right cover for your trip

    There’s no point buying cheap cover that excludes all the activities you’ll be doing on holiday. Make sure you buy a policy tailored to a cruise, backpacking or winter sports, or add cover for other sporting activities as an optional extra.

  4. But don’t pay for what you don’t need

    Don’t add lots of optional extras that you don’t really need. For example, instead of adding gadget cover, think about whether you could leave your expensive electronics at home instead.

  5. Check if you’re already covered

    Travel insurance is sometimes included with packaged bank accounts or credit cards. So, if you’re already covered, don’t waste money buying another policy you don’t need.

  6. Compare quotes and buy online

    You might be offered travel insurance by your tour operator or travel agent, but you could probably get a better deal by comparing quotes online instead.

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Page last reviewed: 24 June 2022

Next review due: 24 September 2022