Compare Travel Insurance
Be smart: get travel insurance. Compare and save on annual, single, family and multi trip from over 50 top UK travel insurance providers.
Comparing travel insurance quotes might be a bit boring, but finding the right policy can be quite hassle-free. Knowing the level of cover you’re likely to need can help a lot.
The right level of cover for you depends entirely on your personal circumstances. Here are the 3 most common travel insurance types:
A one-time policy that ususally covers you for a period of travel for up to 30 days.
This type of policy extends beyond 30 days and is most suited for travellers looking to take an extended trip.
Best travel insurance
The best travel insurance depends on a number of things, such as where you are travelling, how long you’re away for, the type of activities you plan to do while travelling, the frequency of travel throughout the year and your personal circumstances like your health.
If you’re just planning one trip at a time, single-trip policies will be the most suited option. If you are planning on travelling more than 3 times per year you would most likely benefit from a multi-trip policy.
Make sure that you know exactly where your cover is valid. For example, your policy should give you the option for ‘Europe’ or ‘Worldwide’ (either including or excluding the USA/Canada). Make sure that you always check the small print. This is important because for example, while some policies class Turkey as ‘Europe’, some group it as ‘Worldwide’.
You can buy a policy for a single traveller, a couple, family or even a group.
If you are planning to take part in “extreme” activities on your travels such as winter sports like skiing, and other extreme activities, such as bungee jumping, you should know that these are not typically included in standard policies. If your travels involve activities such as these, you’ll need to look for a specialist policy that covers them.
Lastly, your personal circmustances such as your health and age should also be considered in the policy you choose. If you suffer from any a pre-existing medical conditions, you will most likely have to pay more for your insurance and have a higher excess. In many cases, the older you are, the more you pay as well. This is because insurers deem older travellers to be higher risk. While some of extra charges are unavoidable, comparing travel insurace can help you shop around and find the best deal avaliable.
What does travel insurance cover you for
This depends on the level of cover offered when you take out your travel insurance policy. Below you will find the most common travel insurance policies and what they cover you for as part of a standard policy:
Emergency medical cover – this type of cover should take care of your treatment costs and hospital charges, a replacement ticket to get home if you’re unable to use your own, and reasonable additional transport and accommodation expenses for relatives/close friends as a minimum.
The cost of cancellation – this type of cover can help you recover your expenses in the event you are unable to travel. It may also cover a cancelled or delayed trip where the airline/travel provider is at fault.
Personal liability – this type of cover can protect you financially in case you accidentally injure someone or damage their property during your travels.
Lost baggage (flight only) – airlines in the UK are required by law to pay a specified amount of money per kilo of lost luggage. However, keep in mind that in most caes, this is unlikely to cover the full cost of your luggage.
Missed flight – some travel insurance policies also cover you in case you miss your flight. This can include any travel expenses you incur in reaching your destination.
Theft – if the travel insurance policy covers you for theft, most insurers are likely to ask for a police report.
Keep in mind that any pre-existing medical conditions, incidents that happen while you’re under the influence of alcohol or drugs, extreme sports, natural disasters and terrorism are typically not included in standard travel insurance policies.
How much does travel insurance cost
The price of your travel insurance depends on a few different factors, including where you are travelling to and your personal circumstances (such as your age and health).
Single trip travel insurance can be purchased for less than £10. Annual multi-trip policies are usually more costly due to the fact that this type of policy offers cover for the whole year. Keep in mind that the majority of multi-trip policies will require you to specify your region of travel, so you’ll have to make sure you stay within that region – and while you can buy worldwide cover, it will be more expensive.
Even though it’s tempting to go for the cheapest option available, you might want to avoid that as it might not provide you with the right level of cover. At the end of the day, it’s down to yourself to assess the policy, the price and the amount of cover it provides to make sure it’s the right type of travel insurance for you.
That’s why we suggest you compare travel insurance to find the best deal available.
What to look for when buying travel insurance
Unfortunately, there are no one-size-fits-all policies when it comes to buying travel insurance. Standard cover can vary depending on different policies and insurers. When you compare travel insurance policies, these are some important factors you should consider:
Excess – this means the amount of money you will be expected to pay towards your claim. Look for a policy excess of less than £100, unless you are able to afford to pay more in the event you need to claim. If you’re buying joint cover, make sure you check whether the excess amount is per person or per policy.
Exclusions – certain situations can render your insurance cover invalid. For example, if you travel to a country that the government has explicitly advised against or injure yourself while under the influence of alcohol. Make sure that you always check which exclusions apply.
Single item limit – this is the maximum amount of money an insurer will pay out for a single item. Be aware, expensive electronic goods may be worth more than what the insurer is prepared to pay out.
Personal liability – this covers you (up to a certain amount) if you accidently injure someone or damage their property and end up getting sued.
Legal expenses and advice – if you injur yourself while travelling, legal expenses and advice cover could prove essential – especially in countries where legal aid is not avaliable. Make sure to check if this is included.
Do I need travel insurance?
You can travel without insurance, but it might be risky and by going on holiday without it you can leave yourself vulnarable to all sorts of situations.
Keep in mind that even something as simple as a doctor’s visit can cost a serious amount if you don’t have sufficient medical cover. While this may be covered by an EHIC in most European countries, it typically does not include urgent medical care (such as repatriation). Consider the fact that medical issues account for over half of claims costs, according to recent figures from The Association of British Insurers (ABI), it’s worth getting covered.
In 2018, 153,000 travellers needed emergency medical treatment while on holiday, which cost insurers £209 million. The report also revealed that insurers paid out a sum of £400 million in total over the course of last year.
It’s true that most people will never have to claim on their travel insurance, and, hopefully, the only time you’ll even have to think about your policy is when you purchase it. But for your peace of mind it is infinitely worth it and only takes a few minutes to compare travel insurance.
At the end of the day, knowing you are covered by a travel insurance policy will give you the peace of mind you need to actually relax and enjoy your holiday to the fullest.