Travel Insurance

Wherever you’re travelling to, it’s important to take out comprehensive travel insurance before you go.

It’s important to get appropriate insurance before you travel. If you do not have travel insurance, you could be liable for emergency costs including medical treatment. We recommend you buy your travel insurance as soon as possible after booking your trip.

What is travel insurance?

If you’re going away, travel insurance is a cheap expense to make sure you’re have cover for unexpected medical expenses, trip cancellation or delays, lost or stolen baggage and personal liability while you’re travelling.

The type of cover you need will depend on the countries you’re visiting, the activities you’ll be doing and the length of your trip. You’ll also need to state whether you want travel insurance for a single trip, multiple trips or for backpacking.

When should I get travel insurance?

It’s recommended to take out an insurance policy as soon as possible after booking your trip. This is to make sure you’re covered in the event of any changes before you depart.

When you travel, make sure you take details of your insurance policy with you. This includes your policy number and the emergency assistance telephone number provided by your insurer.

Give a copy of your policy details to the people you’re travelling with. Also give details to friends or family back home, in case they need to contact your insurance company on your behalf.

Common types of travel insurance policy:

  • Single trip
  • Annual multi-trip
  • Family or group
  • Cruise
  • Business travel
  • Winter sports
  • Backpackers

Optional Extras:

  • Delayed Flight Cover
  • Emergency Medical Cover
  • World Travel Insurance
  • Ski Insurance
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Choosing a travel insurance policy

Shop around for the best deal, but never buy a policy based on price alone. The cheapest policy may not cover all of your needs. Check that any policy you buy provides comprehensive cover for your pre-existing medical conditions and any activities or sports you’re planning to do.

Will a policy cover the loss of a passport or other documents?

Most policies will cover some of the costs of getting emergency travel documents. But, you will not usually get cover of replacing your passport when you get back to the UK.

World Travel Insurance

Whether you’re planning a worldwide tour in a single trip, or a selection of different trips in multiple countries across the world- world-wide travel insurance will be a good option and a good money saver travel cover.
You will need, single Trip Travel Insurance if you’re looking to cover a one-off worldwide holiday. Or if you’ve got a few shorter trips booked over a year, then an Annual Travel Insurance may be a better fit.

Generally, travel insurance for trips within Europe are cheaper. This is largely because medical costs in countries outside the EU can be much higher.

Winter sports / ski insurance

Winter sports: You’ll need this for skiing, snowboarding or other winter activities that are generally a bit more dangerous and might require special provisions. They can also involve expensive specialist equipment, which this policy should cover.

Cruise insurance:

Cruise insurance covers the specific risks and activities associated with this type of holiday. For example, cruise insurance may cover you for missed port departures and itinerary changes or offer increased cancellation cover where a normal travel policy wouldn’t.

Single or multi-trip policy

If you’ are planning more than one holiday in a year, consider buying an annual multi-trip policy. Single trip policies are usually more cost-effective for older travellers and those with medical conditions.

If you already have travel insurance as part of a bank account or credit card, check the policy terms for any age or trip limits there may be, as well as ensuring the policy covers your health and other needs for each trip you make.

Delayed Flight Cover

Travel delay policies apply when you get to the airport on time, but your flight has been delayed. It also usually covers other forms of transport like ferries.

Some policies cover travel delay for any reason, but others list specific reasons like:

  • Strike and industrial action
  • poor weather conditions
  • mechanical breakdown of public transport
  • You might pay extra for your policy to include add-ons that cover other causes of delay like volcanic ash clouds and hurricanes.

Free Insurance and Cover Advice

In addition, we offer a free advisory service so that you can get in touch with one of our expert advisors to discuss what you’re looking for in detail. They will get in touch with you and have a friendly chat about your circumstances, your requirements, and offer honest and impartial advice.

Get in touch to arrange a free one-to-one chat.

You still need travel insurance, even with an EHIC

A European Health Insurance Card (EHIC) allows you to receive state healthcare within the European Economic Area (EEA) for free or at a reduced rate.

It’s not a like-for-like substitute for travel insurance though. The EHIC won’t cover things like medical repatriation, non-urgent treatment, or any non-medical features like lost/stolen property. You also can’t use it on cruises.

Travel insurance for holidays in the UK

You won’t need the medical aspect, because we’ve got the NHS. But, it’s a good idea to have some cover if you’re having a staycation.

Missed transport and cancellation cover is useful if you’re taking an internal flight. Gadget cover can be worthwhile too, if you’re travelling in the UK with expensive smart devices.

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