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Travel insurance

Compare cheap travel insurance quotes


  • Find policies with Covid-19 cover
  • Get quotes from 43 insurers with one search[1]

What is travel insurance?

Travel insurance, also known as holiday insurance, is designed to cover unexpected costs while you're travelling or on holiday.

For instance, if you had an accident on holiday and needed medical treatment, your travel insurer could help cover the cost of your medical bills.

Standard policies usually cover lost luggage, medical care and delayed travel. Cover for things like activities, gadgets and passports are usually available as a policy add-on.

travel insurance

Travel insurance companies we work with

We’re committed to helping you find cheaper insurance. That’s why we look for prices from 43 trusted UK travel insurance companies including:[1]

What does travel insurance cover?

What’s included in your travel insurance policy will vary by provider. Check your policy terms and conditions to be sure.

What’s usually covered?

  • Cost of emergency visits to the doctor or hospital for medical treatment.
  • Repatriation to the UK if you're seriously ill or injured abroad.
  • Having to cancel or cut short your trip for reasons outside your control.
  • Cover for stolen or lost luggage, which can also include cover for passports or cash.
  • Legal expenses if you injure someone or damage their property.
  • Cover for delayed outbound or inbound journeys.

What’s not covered?

  • Pre-existing medical conditions not disclosed to insurer.
  • Lost phones, cameras, clothes or jewellery left in a non-secure location.
  • Dangerous activities such as extreme or winter sports.
  • Destinations the UK government suggests you avoid.
  • Claims due to excessive alcohol or drug consumption.
  • Injury or loss due to terrorism or natural disasters.

Policy types

The best type of travel insurance for you depends on how often you plan to travel, where you’re going and for how long.

  • Single trip insurance

    • Covers you for one destination for trips lasting up to 30 days.
    • You can get a policy that covers yourself, a couple, family or a group.
    • Choose the country or area you're travelling to and how long you're going for.
    • You can add on cover too, like winter sports or a cruise.
  • Annual multi-trip cover

    • Covers you for multiple trips over one year, with a 30-day cap on each trip length.
    • You can choose from worldwide or European cover, depending on where you're going.
    • If you travel more than once or twice per year it could work out cheaper than multiple single trip policies. It doesn’t always, so compare both to see which is better.
    • Policies are available for an individual, couple, group or family.
  • 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.
    • Commonly known as long stay, extended trip or gap-year insurance.
    • You can buy it for individuals, couples, families and groups.

Compare travel insurance quotes

Find cheap prices for single trip, annual trip and backpacker travel insurance from trusted UK insurers.

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Do I need travel insurance?

Travel insurance isn't a legal requirement, but it could give you peace of mind if you're travelling abroad. Especially if you’re going somewhere that has no free healthcare.

According to National Accident Helpline, treating a broken leg in the USA could cost you £25,550 in medical expenses[2]. Without travel insurance you'd be liable to cover these costs yourself.

Some countries need you to have travel insurance with Covid-19 cover to enter. Check the countries entry requirements before you travel.

Can I get travel insurance with coronavirus (Covid-19) cover?

Most travel insurance policies cover coronavirus-related emergency medical care and repatriation as standard.

This means if you or a family member become ill with Covid-19 while abroad, the costs of your medical treatment and return travel to the UK are covered.

Some insurers offer further Covid cover. For example, 428 of 947 travel insurance policies will cover cancellation if denied boarding on an outbound journey. And 446 policies will cover cancellation due to self-isolation.[3]

However, no policy will cover you if you travel against Foreign, Commonwealth and Development Office (FCDO) advice.

Find out more about travel insurance and coronavirus

How to get travel insurance 

To help us find you the right cover, we’ll need to ask you a few questions like:

  1. What your details are

    Your name, date of birth and other details, and those of your travelling party

  2. How often you’re planning to travel

    Do you have just one trip planned or multiple ones this year?

  3. How long you’re travelling for

    A week or two, or an extended trip?

  4. Where you’re going

    Whether that’s somewhere in Europe, or further afield

  5. What you plan to do

    Any extreme or winter sports planned?

  6. Any medical conditions

    You need to declare any conditions you have

Travelling with serious pre-existing medical conditions

You must declare any pre-existing medical conditions to your insurer so it can be factored into their risk assessment. Insurers will either exclude certain medical conditions from cover altogether or include them but at an extra cost.

It can be tricky to find an insurer that will cover more serious medical conditions, but there’s usually specialist cover available.

If you don’t declare your medical condition and make a claim because of it, your insurer can reject the claim. It might also be unwilling to provide you with travel insurance again in the future.

Some travel insurers we compare can give you quotes for policies that cover many serious medical conditions.

For more extreme medical conditions, Money Helper's directory of insurers may be able to provide a quote over the phone.

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

Other types of travel insurance

  • 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.

  • Travel insurance with 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.

  • Family travel insurance

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

  • Over 70s travel insurance

    Older travellers tend to have existing medical conditions, so travel insurance can cost more. You can still get the right cover at the right price by comparing policies.

  • Business travel insurance

    Business travel insurance covers risks specific to a business trip – like cover for equipment or stock.

  • Under 18s travel insurance

    If your child is travelling alone, you can get travel insurance just for them. For example if they’re going on a school trip and you want to make sure they have more cover than the school’s standard policy.

Going away without travel insurance doesn't make sense

Travel insurance should be included on everyone’s holiday list – no matter where you’re going. If the worst should happen and you need medical care while away, travel insurance will cover your costs. Without it, your bill could run into thousands of pounds. And it’s not just medical costs, travel insurance also covers for eventualities such as cancellations, disruptions, if your holiday is unexpectedly cut short, and if anything happens to your luggage or personal belongings. Going away without it just doesn’t make sense.
Ceri McMillan - GoCompare Travel Insurance Expert

Optional add-ons and extras

You can upgrade your travel insurance policy if you need to. You’ll have to pay extra for any add-ons, so consider whether they’re worth the extra cost.

  • Extreme sports cover

    Some insurers cover adventurous sports as standard. But the riskier an activity the less likely your insurer will be to cover it. You might be able to get more cover for an extra fee.

  • Water sports cover

    Planning on jet-skiing or canoeing? Standard policies might not cover particular water sports, but you might be able to add it for an extra fee.

  • Winter sports cover

    Like with extreme sports, not all insurers offer winter sports cover as standard. You'll probably need this if you plan on skiing or doing any other winter sports.

  • Ski insurance

    Similarly to other winter sports, skiing is a high-risk activity. You might need extra cover for ski-specific things like air ambulances and piste closures.

  • Passport insurance

    Travel insurance tends to cover the cost to get an emergency travel document if your passport is lost or stolen. But this likely won’t stretch to cover the expense of replacing your passport so think about whether you’d want to add passport cover to your policy.

  • Travel gadget cover

    Cameras, laptops and phones might not be covered by standard travel insurance. Consider whether travel gadget cover could be worthwhile to protect your pricier possessions.

  • Natural disasters

    If you're abroad and a natural disaster occurs, you could be injured, have your travel disrupted or need repatriating. Natural disasters aren't usually covered as standard, so you may have to pay extra to get cover for travel disruption.

  • Terrorism cover

    This can cover things like disruption to your plans and alternative accommodation if a terrorist attack happens.

  • Golf cover

    Golf insurance doesn’t just cover your clubs and equipment in the UK – it can also cover overseas golfing. Things like the traditional round of drinks for the club if you get a hole in one and accidents involving a golf buggy might also be covered.

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 is usually cheaper. But if you travel more often, annual multi-trip cover 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 group travel insurance. 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. 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, could you 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

    Offered travel insurance by your tour operator or travel agent? You could probably get a better deal by comparing quotes online instead. Only 15% of Britons said they’d switch their travel insurance[4], meaning they may be losing out on savings.

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Page last reviewed: 02 August 2022

Next review due: 02 November 2022

[1]As of August 2022, there are 43 active travel insurers on the panel at theidol.com

[2]National Accident Helpline. How much will you be out of pocket if you break a bone?. Retrieved August 2022.

[3]We checked Defaqto on 27th July 2022 and found that 428 of 947 travel insurance policies will cover cancellation if denied boarding due to Covid-19 on an outbound journey, and 446 policies will cover cancellation due to self isolation.

[4]YouGov. Which insurance policies are Britons most likely to switch?. Retrieved August 2022.