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Voyager Plus Travel Insurance for Non-UK Residents

Voyager Plus Travel Insurance for Expats and Non-UK Residents

Great travel insurance cover from just £24.12*.

• Up to £10 million - Emergency Medical Expenses Cover
• Up to £5,000 - Cancellation Cover
• Up to £3,500 - Baggage Cover
• Kids go free – even better value for families
• Free 24/7 Access to an NHS Trained Doctor
• Holiday financial protection – keeping your money safe
• 24/7 emergency assistance – helping you through the most difficult times
• 100s of activities and medical conditions - covered as standard

*based on short stay individual aged 18-49 cover to Area 2 for 7 days

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Short Stay Travel Insurance

Long stay travel insurance.

• Annual Multi-Trip Travel Insurance
• Family Travel Insurance
• Already Departed Travel Insurance
• Expat Travel Insurance

Non-UK Residents Travel Insurance

• Motorcycle Tour Travel Insurance
• GP On Demand
• Travel Insurance FAQs

Great Travel Insurance for Non-UK residents at a great price - For peace of mind when travelling.

At Voyager Plus, we offer Travel Insurance for EEA residents

Our Voyager Plus Travel Insurance policies are not just available for UK residents, there are several Eligible EEA Countries whose residents can also purchase one of our policies.

Residents of Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, and Spain would be considered Eligible EEA Countries and would therefore be able to purchase a Voyager Plus Travel Insurance Policy.

Voyager Plus’s Non-UK residents Travel Insurance will provide you with the same great benefits, which includes:

• Emergency Medical Expenses (including repatriation) – up to £10,000,000
• Cancellation cover – up to £10,000
• Baggage Cover – up to £3,500
• 100s of activities covered as standard
• 4 levels of cover to suit a range or budgets and needs
• Option to purchase in £ or €
• Cover for 1000s of pre-existing medical conditions
• And so much more!

If you are residing in an Eligible EEA Country, Travel Insurance is available to you no matter where you are travelling to so long as your trip starts and ends in your home country.

Please note – Short Stays can be a maximum of 62 days (unless aged over 75 where the maximum stay is 31 days) but there is no age restriction on purchasing one of these policies. Equally the maximum age you can be to take out a Long-Stay policy is 69 and for an Annual Travel Insurance for Non-UK Residents policy , the maximum age is 74.

And if you suddenly feel unwell on your holiday, you may be wondering how to see a doctor when away from home, especially if you’re abroad. Our Annual Multi-Trip Travel Insurance policy now includes a service where you can speak to a 24/7 doctor while abroad as standard* . To find out more about this service, click here .

To buy Non-UK Residents Travel Insurance from Voyager Plus, click the Get a Quote button today.

Get a Non-UK Residents Travel Insurance Quote

Frequently Asked Questions

1. What is Non-UK Residents Travel Insurance?

Our Non-UK Residents Travel Insurance is designed to provide financial protection for non-UK citizens currently living in eligible EEA countries when travelling. This includes cover for emergency medical treatment on holiday, baggage lost in transit, and much more while on your travels.

2. What destinations are covered under Voyager Plus Travel Insurance for Non-UK Residents?

Our Voyager Plus Non-UK Residents Travel Insurance can cover trips to the following areas:

• Area 1: The United Kingdom, Including Northern Ireland
• Area 2: Includes all countries in Area 1 and additionally the Isle of Man, the Channel Islands, the continent of Western Europe, any country with a Mediterranean coastline (excluding Algeria, Libya, Syria & Israel), the Canary Islands, Madeira and Iceland
• Area 3: Includes all countries in Areas 1 & 2 and additionally Worldwide (excluding North America, the USA, Canada, Mexico, the Caribbean Islands, the Bahamas & Bermuda)
• Area 4: Includes all countries in Areas 1, 2 & 3, and additionally North America, the USA, Canada, Mexico, the Caribbean Islands, The Bahamas & Bermuda

3. What EEA countries can you provide Non-UK Resident Travel Insurance for?

At Voyager, we can offer cover for residents of the following EEA countries: Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland, and Spain.

4. Can I get cover for pre-existing medical conditions with Non-UK Residents Travel Insurance?

Yes, Voyager Plus can provide cover for 100s of pre-existing medical conditions. Make sure you declare these conditions when asked to when purchasing your policy to ensure you have the correct cover in place.

If you fail to declare your conditions and require treatment whilst abroad then you may not be covered, and your insurer may deny your claim.

5. Are there any difference between Non-UK Residents Travel Insurance and Standard Travel Insurance?

Voyager Plus’s policies for UK and Non-UK residents provide the same extensive coverage. There are some minor differences in contact details but please check your policy documents for these.

You also have the ability to pay for your policy in Euros if you wish.

Policy Summary:

Medical Expenses - Up to £10 million Personal Liability - Up to £3 million Cancellation - Up to £10,000 Abandonment - Up to £10,000 Personal Possessions - Up to £3,500 Financial Protection - Up to £3,000 Disruption - Up to £1,000

8 Options available including: Action Activities Cover, Cruise Travel Insurance Option, Business Travel Insurance – Business Plus Option, Enhanced Travel or Terrorism Disruption Cover... see all

Non-UK Residents Travel Insurance Options

This Travel Insurance product offers a range of different options.

Cruise Travel Insurance Option

Winter sports cover, gadget insurance option, enhanced travel or terrorism disruption cover, action activities cover, sports equipment and cycle insurance cover, golf travel insurance, business travel insurance – business plus option.

Going on a cruise? Make sure you add our Cruise Insurance option to your Voyager Plus Travel Insurance policy so that you are covered on your cruise. Enjoy all the standard cover such as Cancellation and Emergency Medical Expenses specifically for your cruise as well as including extra cruise specific cover to Re-join your Cruise, Missed Port Departure cover, Cabin/Stateroom Confinement cover, Itinerary Change cover, Unused Excursion cover and Cruise Interruption cover.

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment, unused, lost or stolen ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.

Add Travel Gadget Insurance to your Voyager Plus Travel Insurance policy to cover up to 4 gadgets per policy including, mobile phones, smart phones, smart watches, tablets, laptops, games consoles, headphones and much more!

Add Enhanced Travel or Terrorism Disruption cover option to your Voyager Plus Travel Insurance policy to cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.

Voyager Plus Travel Insurance policies include 100+ sports and hazardous activities at no additional cost. You can upgrade to include more adventurous activities and sports such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.

Add Sports Equipment and Cycle Insurance Option to your Voyager Plus Travel Insurance policy if you are planning to hire or take sports equipment or a bicycle with you on your trip.

Add Golf Insurance to your Voyager Plus Travel Insurance policy to get cover for golf clubs and other golf equipment. As well as cover for the cost to hire replacement equipment, if yours is lost, stolen or damaged

Add Business Plus Insurance option to your Voyager Plus Travel Insurance policy to protect your business equipment, money, staff replacement costs and more.

GP on Demand Remote Service

Going abroad on your holiday should be an unforgettable experience for all the right reasons. However, what happens if you suddenly feel ill and want to speak to an English-speaking GP while abroad?

The good news that all Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you access to medical help whenever you need it 24/7, during your period of insurance, for greater peace of mind.

What is GP on Demand and What Service Does it Provide?

Once registered with the service online, “GP on Demand” gives you access to unlimited virtual appointments, either by telephone or video-call* with a UK-based, NHS qualified GP 24 hours a day, 7 days a week, 365 days a year, helping you to get professional advice when you need it most.

The medical practitioners on this service are able cover a wide range of subjects including:

• Advice for managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
• Answer general questions about prescriptions, travel, and lifestyle

Once you've booked an appointment through the GP on Demand app, you'll receive a call back from a GP within 15 minutes of the appointed time.

For more information about our GP on Demand, please visit our Voyager Plus Policy Wording page to download our “Voyager Plus 24/7 UK GP Access with GP on Demand” Booklet.

* Video appointments are available 7 days a week, between 8am and 10pm

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What is Travel Insurance and What Does it Cover?

While going on holiday should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen. Voyager Plus Travel Insurance is designed to give you financial peace of mind that you are covered should something unexpected happen, so you are not left out of pocket, in the event of a valid claim.

Travel Insurance Benefits

The following summary of Travel Insurance benefits are just some of the areas of cover included as standard across all levels of cover on our Voyager Plus Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.

Cancellation or Curtailment

A Cancellation is where you are unable to start your trip, due to an insured reason. A Curtailment is where you have to end your trip earlier than expected, due to an insured reason.

This section provides cover for any unused and non-refundable travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid, or where there is a contract to pay, if it is necessary to cancel or curtail the planned trip because of any of the events specified in the policy wording .

Emergency Medical Expenses

Medical treatment in other countries can be very expensive. This section covers the cost of emergency medical treatment, outside your home country if you’re injured or suffer unexpected illness including with symptoms of or testing positive for COVID-19 during your trip, in line with the policy terms, conditions and exclusions. Cover also includes the cost of repatriation back to your home country if medically necessary.

Please Note : If you have pre-existing medical conditions and would like cover in case you need emergency medical treatment related to them, you will need to complete a medical screening to see if cover is available and pay the appropriate additional premium.

Covers the loss, theft or damage to your baggage, meaning: personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip, as well as your valuables as defined in the policy wording .

Please Note : Your gadgets may not fall under the Baggage definition in the policy wording and you may need to also purchase the gadget cover Option to cover them.

Personal Accident

In the event of a serious accident from which you suffer life changing injuries during your trip the policy will provide cover in the event of your death or permanent disablement because of the accident. Please refer to the policy wording for full details on this area of cover.

Please Note : Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Expenses section.

Travel Delay

No one likes to be delayed when travelling!

So with Voyager Plus Travel Insurance cover is available if the public transport (meaning any aeroplane, ship, train or coach) that you are booked to travel on is delayed by at least 12 hours. If your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip under the Cancellation or Curtailment section of cover.

Missed Departure / Journey Disruption

Cover for additional travel and accommodation expenses in the event you miss the departure of your public transport for your trip, due to a specified reason as defined in the policy wording .

This section also covers, in the event of a Catastrophe (as defined in the policy wording ), if you are forced to move from your pre-booked accommodation to allow you to continue your trip.

These are a few of the reasons why getting travel insurance is a good idea before you travel so that you are not left out of pocket should the unexpected happen. Furthermore, Voyager Plus Travel Insurance has a wide range of features and benefits, which are just not available on cheaper products, see the policy wording for full details.

Important Information for Customers with Serious Medical Conditions - For UK Residents Only

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

If you have a specific holiday of up to 62 days duration in mind, a short stay Voyager Plus Travel Insurance policy will give you the peace of mind that you are protected financially if something should go wrong.

A Voyager Plus long stay policy can provide cover for trips up to 18 months (extendable to 24 months upon referral) so it is perfect for backpacking, gap years and other longer trips such as sabbaticals.

Annual Multi Trip Insurance

If you are planning on having several holidays this year then a Voyager Plus Annual Multi-Trip Travel Insurance policy may be for you.

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Travel Insurance for Non-UK Residents

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International health insurance for expatriates

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• 93% of customers rate their customer experience as Excellent or Great!
• COVID Cover for free

Globelink.co.uk works in partnership with Globelink.eu to provide Travel Insurance products. We share certain web pages and you may be directed from one website to the other to ensure you view and purchase relevant Globelink products depending on whether you live in the UK or EU. Your Globelink Travel Insurance remains secure and is still underwritten through our carefully selected underwriters.

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CORONAVIRUS COVER

Travel with confidence that you’re covered if you contract Covid before you go or while your away.

Planning a Staycation?

Pack your Travel Insurance!

Globelink Travel Insurance Policies

Choose the best policy according to your needs. Having trouble deciding? Call us in our UK Office +44 1353 699082

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Regular Single Trip Insurance

Regular stay policy is best if you only take one holiday or are only travelling to one destination.

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Comprehensive Single Trip Insurance

Offers the most benefits and extra options for trips up to 15 months.

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Seniors Travel Insurance

Travel the world regardless of your age. It is safe and easy with Globelink Travel Insurance.

Winter Sports Cover

Struggling to find winter sports travel insurance? Our policies cover travellers of up to 70 years old going on ski holidays in any part of the world.

Economy Single Trip Insurance

The most cost effective policy for budget travellers.

Aussies, Kiwis & Saffas Cover

Aussies, Kiwis & Saffas Cover is for round trip journeys from your current country of residence in the UK, or EU and also for one way trips of up to 12 months duration.

Cover for Many Pre-Existing Medical Conditions

Stay healthy on your travels - our policies will cover many pre-existing medical conditions for free!

We’ve been selling travel insurance since 1996 and are proud to have provided insurance peace of mind for millions of trips in that time. Travel insurance may not be the most exciting part of planning your travels but it is one of the most essential. So we do our best to make the process of getting the right cover online simple and quick.

Globelink.co.uk works in partnership with Globelink.eu to provide our customers with Travel Insurance products. We share certain product description pages and you may be directed from one Globelink website to the other to ensure that you view and purchase the relevant Globelink products depending on whether you live in the UK or EU. Your Globelink Travel Insurance remains secure and is still underwritten through our carefully selected underwriters.

Why Choose Globelink

Available for eu and uk residents.

You can buy a Globelink Travel Insurance policy wherever you live within the UK/EU or EEA

Pre-existing medical conditions

Wide range of pre-existing medical conditions covered as standard for free.

Kids travel for free with family

Annual policies cover your children under 18 years to travel with you at no extra cost.

Available for age groups up to 89

Single trip policies are designed for up to 89 years old travellers. Annual policies are available for people aged up to 79.

Cruise Cover included as standard

We know you love cruising, so it is covered as standard on all policies.

100+ Sports & Activities covered

Globelink now covers more adventure activities than ever before.

Globelink Travel Insurance App

With our first-ever app have your travel insurance with you whenever wherever!

Why Our Customers Love Us?

Average rating 4.5 / 5, from over 2323 reviews, 93% of our Customers rate their customer experience as Excellent or Great!

Agent I spoke to was very helpful and effecient. Gave me exactly the insurance I asked for.

Friendly service and every thing explained. I have used this company for years and I am happy

As an existing customer of many years I found the renewal process swift and accurate

I remembered that I didn’t have travel insurance after I arrived on holiday in Cyprus. Then discovered that most companies wont let you buy insurance after you have travelled, so was relieved to find Globelink have a comprehensive Already Travelling policy for people like me! Website clear easy to navigate. Good value and very quick and easy to buy.

Living in Europe as a Brit, it was not easy to find an insurer for a 12 month policy but I have now used Globelink for about 5 years. I have not made a claim. The online system is very user friendly.

I been using Globelink for years for my travel insurance needed, recently they were able to proved me cover for a trip to Antarctica

Website easy to navigate. Good cover, including many pre existing conditions for senior UK ex pats living permanently in Spain and at a competitive price

We have used Globelink for our travel insurance for many years. Always on hand to answer any queries and nothing is ever too much trouble. Many thanks we can book any holiday knowing that we are in safe hands.

Easy to understand website. Clear explanation of what you get. Even better when it comes to claim handling. Had to claim last year, simple and efficient.

I talked with one of your female employees. She was very helpful explaining the changes to my individual claim and gave me a very good offer. She was also very pleasant throughout our conversation. Thank you.

It’s very user friendly to renew yearly and I am happy to know that I will be entirely covered during my travels

Great company So easy to purchase. The lady I dealt with was so good and efficient.

Very easy to navigate website. Extreamly good cover as we are in our 60's and the premium was very good.

Really simple application process, with excellent prices given that we fall into the 71+ category. On telephoning to adjust the policy the staff could not have been more efficient or helpful. Would highly recommend

I was very impressed with the Globelink representative. Very helpful, nothing was to much trouble for him. A friend made a call for me, then I met him the following day, all done, After I had been searching the internet for quotes for over three weeks, which was very stressful as my vacation was getting very close Thank you

We have taken out Globelink International Travel Insurance (as expats living in Germany) for several years now. Easy online process. As yet we\'ve never had to make a claim but it gives us piece of mind when we are travelling that we have travel insurance covering us regardless of where we travel.

Globelink International Travel Insurance are the most competitive and safe travel insurance company to deal with. Their web site is easy to navigate and is supported by a helpful on line system. We have used them for travel in the USA, Caribbean, Greek Islands and the Mediterranean and every time their cost is better than other companies. My wife and I are Senior's so naturally we look to cover us both 100% and can always rely on Globelink to provide us with adequate travel insurance cover. Bill - Gloucestershire

Frequently Asked Questions

What does travel insurance cover.

Cover and benefit levels depend on the travel insurance option you choose. All Globelink policies provide over 50 pre-existing medical conditions and Cruise cover as standard, plus 100 adventure activities for free.

How to get travel insurance?

You can buy travel insurance online, by entering some basic details so you can review all options available to you. Then simply choose the cover that’s right for you, or call us on +44 1353 699 082 .

How does travel insurance work?

Once you buy, you get your travel insurance documents emailed to you immediately. If you then need emergency medical assistance while you’re travelling, contact the 24 hour Emergency Assistance Service on +44 (0)1273 624 661 , or email [email protected] . If you need to claim once your home, visit https://rpclaims.com/helpcentre.html .

Why do I need travel insurance?

Travel insurance protects you from unexpected costs while you’re away, like costly medical bills if you have an accident or fall ill and provides financial protection against many other mishaps like trip cancellation, stolen luggage and more.

What travel insurance covers coronavirus?

Globelink Insurance covers coronavirus on all our policies. Check more information on Coronavirus travel insurance cover.

Is EHIC still valid after Brexit?

It confirmed that all EHIC cards issued to UK citizens before the end of 2020 will remain valid until their expiry date. Find out more about EHIC after Brexit .

What is max excess in travel insurance?

Most Globelink Travel Insurance policy options for under 65’s have an excess of £75 or less. The maximum excess for up to 89 yrs is £300.

Does the insurance cover personal liability?

Globelink travel insurance policies cover personal liability as standard.

How do I extend and upgrade my policy?

You can upgrade your policy to a different level of cover, or a different geographical area, or extend cover by emailing us at [email protected] , or call +44 1353 699 082 .

Does my policy include skiing?

You need to check the policy you choose. Our Winter Sports travel insurance covers skiing as standard, and we provide some Winter Sports cover free on Annual Multi Trip travel insurance with a 45 day or more trip duration.

What to look for when buying travel insurance?

You need to look for the options, which are important for you (a type of trip, an area of travel, trip duration, available standard options in a travel insurance policy and extra options).

When should I buy travel insurance?

You can buy travel insurance at any time, even if you’re already travelling you can get Already Travelling cover.

Who should buy travel insurance?

Anyone can buy travel insurance, but he or she should mention all the travellers, who are going to travel under the travel insurance policy.

Is a hired car covered with travel insurance?

If you want Car Hire Collision Damage Waiver insurance , you need a separate policy. Globelink offer various options and trip lengths on our website.

Am I covered if FCDO advises people not to travel to a country?

You must always follow FCDO travel advice . You won’t be covered if the FCDO advises against travelling to your location.

Can I get travel insurance after I book my flight?

With Globelink you can get travel insurance after you book your flight. We suggest you buy insurance as soon as you book so you benefit from the policy cancellation. You can even buy insurance after you’ve travelled by choosing an Already Travelling policy.

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Plan Options

Our Expat Travel Insurance Plans

With a core International Travel Insurance policy, additional policy options and destination tailoring, you can adapt cover and premiums to provide you with exactly the right travel insurance solution for your needs.

Medical Evacuation

This is the core policy option, which provides the important medical cover against the high cost of medical treatment and emergency medical evacuations.

• Emergency medical treatment
• Accidental medical treatment
• Emergency medical evacuation
• Repatriation

Enhanced Benefits

Optional protection against additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.

• Baggage delays and loss
• Money and documents
• Travel delays
• Non-medical evacuation

Cancellation & Curtailment Cover

Optional cover to protect you in the event that your trip is unexpectedly cancelled, or you are forced to return home early.

• Trip cancellation
• Returning home early
• Compassionate repatriation
• Treatment & evacuation

Policy Benefits

Key Benefits of our International Travel Insurance Policies

Discover more about our Travel Insurance policy benefits, put in place to protect you against unforeseen and unexpected events when you’re overseas. Depending on the policy you select we can help you with medical, financial, and logistical issues.

Emergency Medical Evacuation

Travel Insurance with us covers charges for emergency evacuation when treatment is not available locally and deemed necessary. You will be moved to a suitable location based on the expertise of medical advisors and your attending physician. You will be safe in the knowledge that you will receive the treatment you need in a safe and appropriate location.

Emergency & Accidental Medical Treatment

Falling ill or becoming injured overseas can be daunting prospect, especially in rural or lesser developed locations. Furthermore, language can often be a hurdle that many without the correct insurance cover have to navigate. Travel Insurance is in place to give you peace of mind that whatever happens, you will receive the expert care and treatment you need.

Enhanced Benefits & Protection

We offer a core Travel Insurance policy, to which you can add different benefits. This puts policy flexibility in your hands, allowing you to choose the Travel Insurance you need. This optional level of protection also covers you against the additional losses to property, personal liability, and accidents that you may suffer whilst travelling abroad.

Travel insurance cancellation and curtailment provides cover should you need to cancel your trip before you depart or cut your time overseas short. Reasons can include everything medical, including sickness, serious injury, or death. On the opposite side, cover can also include (but is not limited to) strikes, industrial action, redundancy, or your travel operator collapsing.

Medical Insurance

Expat Travel Insurance to Suit You

Whilst Expatriate Group offer a core Travel Insurance policy with different add-on benefits, we also offer different types of specialist cover which may be better suited to your travel insurance needs.

Comprehensive Cover

• Travel Medical Insurance

Cover for up to $/€/£1,000,000 for emergency and accidental medical treatment whilst you’re abroad. Just choose between single trip or annual trip cover so that you’re protected on your travels.

• Instant last minute cover
• Comprehensive cover
• Single or annual policy
• Emergency transport

Suited for Flexibility

Non-Resident Travel Insurance

Expatriate Group Travel Insurance for non-residents is designed for people who reside outside of their country of nationality. Additional enhanced benefit options are available to add to your package.

• Cover for EU or EEA residents
• Flexible cover up to 180 days
• One-off premium payment
• Comprehensive protection

Outbound Cover

• One Way Travel Insurance

Do you need insurance to cover to a single outbound trip? Our standard travel insurance policy can be tailored to cover just one-way travel for expats and travellers alike to any global destination.

• One trip travel insurance
• Covered from departure to destination
• Max duration 180 days

Unexpected Circumstances

• Single Trip Travel Insurance

From valuable medical cover to vital cancellation cover, our single trip insurance policies ensure that you’re protected against unexpected circumstances. The ideal solution if you want to cover a specific trip overseas.

Single Trip Insurance

• Covered from purchase to return home
• Medical cover
• Cancellation cover
• Protected against unforeseen scenarios

Unlimited Cover

Annual Travel Insurance

Save time and money when you’re going on holiday or a business excursion with Annual Multi-Trip Insurance. It takes the stress away from having to search, compare and purchase a new policy every time you travel.

• European or worldwide cover
• Cover every time you travel
• Destination tailoring
• Flexible travel insurance

Working Abroad

• Business Travel Insurance

Travelling for work requires the same level of travel insurance as any other trip. International Business Travel Insurance will cover you should your travel plans suffer, from missing your flights to losing your laptop.

• Single or annual business cover
• Europe or worldwide
• Laptop travel insurance
• Cancellation & curtailment

The Benefit Schedule

The benefit schedule is a summary of travel cover and must be read in conjunction with the policy wording . All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.

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International Travel Insurance FAQs

Who can i cover with my expat travel insurance policy.

You can include cover for up to 10 people in your Travel Insurance quote . Infants aged 14 days up to the age of two are included in the coverage of an insured parent or guardian for no additional premium, but they must be declared at the time of initial purchase.

What types of International Travel Insurance can I take out?

We offer six different types of travel insurance here at Expatriate Group to ensure that you are covered no matter how you’re travelling.

The type of travel you choose will depend on where you’re going, how long for and what you want to be covered for.

We have expat insurance policies for:

• Annual Multi Trip Travel Insurance
• Non UK Resident Travel Insurance
• International Health Insurance

We also offer a cashless health insurance solution for corporate customers.

Will I be covered for day trips, excursions, and holidays with multiple destinations?

When going on holiday you will be covered for general leisure sports and activities that are detailed in the leisure chart provided when purchasing your policy.

Extreme sports, such as sky diving, scuba diving, white water rafting and more will require an additional level of cover and will need to be communicated when requesting your Travel Insurance quote .

If you are planning on visiting another country during your holiday, you will need to include these details when purchasing your insurance policy.

How much will my Travel Insurance policy cost?

The total of your travel insurance policy will depend on a number of factors such as; age, destination, holiday duration, activities, and pre-existing medical conditions.

We tailor each policy according to your specific needs. To find out how much travel insurance will cost you, get a Travel Insurance quote today.

Can I get expat travel insurance with a pre-existing medical condition?

You will only be covered for pre-existing medical conditions that you declare when purchasing your policy. If you fall ill from a pre-existing condition that you have not declared, you will not be covered and will most likely be unsuccessful in your  claim .

I don’t live in the UK, can I still buy an Expatriate Group Travel Insurance policy?

Yes, we offer  Travel Insurance for Non-UK Residents .

How long can I travel for?

When taking out a  Worldwide Single Trip Insurance and  One-Way Trip  policy your trip must not exceed 180 days and may not be combined with any other policy to exceed this limit.

If you’re purchasing an  Annual Multi Trip Insurance policy your holiday must not exceed 90 days in total.

If you require insurance for a longer period of time, International Health Insurance may be the ideal choice, particularly if you are moving abroad.

Am I eligble to purchase your travel insurance?

We are able to insure:

Single Trip Policy: A Single Trip Policy can be purchased before the Insured Person obtains age 72;

Annual Multi-Trip: An Annual Trip Policy can be purchased before the Insured Person obtains age 71. This Policy will not be renewable at the anniversary date;

provided that you are departing from and returning to the same country (or have a defined destination country of one-way trip) and you are not travelling to a country/region where the UK FCO advises against ( www.gov.uk/foreign-travel-advice ).

Is your expat travel insurance worldwide?

Yes, our policies have an option to provide cover in Europe only or Worldwide. The Europe only option is cheaper than the world wide option and allows some customer to tailor the product to their own travel plans.

Did you know that we offer a variety of Travel Insurance products to best suit your needs? Check out our  Annual Travel Insurance ,  Business Travel Insurance ,  Single Trip Travel Insurance ,  One Way Travel Insurance ,  Travel Insurance for Non-UK Residents and  Travel Medical Insurance .

What is my country of residence?

Your country of residence is whichever country you are travelling from (and usually back to, unless you have purchased a one-way trip policy) regardless of your immigration or nationality status. This is the country to where you will be returned in the event of a repatriation claim.

Can I purchase a travel policy for a child travelling alone?

Yes, provided that the child is at least 5 years old.

Do I need to declare pre-existing conditions such as diatbetes, high blood pressure or hypothyroidism?

No. As we do not provide cover for pre-existing medical conditions, we do not need to know about them except in the event of a claim.

What does ‘pre-existing medical condition’ mean?

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication, whether diagnosed or undiagnosed, or have experienced symptoms of, prior to purchasing this policy.

If I need to be repatriated, which country will I be taken to?

You will be repatriated to the country that you nominate as your country of residence. However, repatriation to a different country can be considered upon request if the cost is equitable, if it doesn’t affect your health/medical outcome and if you have access to healthcare in such a country.

What does your travel insurance policy cover?

Our basic policy provides cover for emergency medical treatment, not related to any pre-existing medical conditions, and repatriation, up to the value of Euro 1 million.

If you wish to include cover for additional benefits such as personal belongings, luggage or travel delay, you will need to purchase Add On Option 1. To include Cancellation & curtailment of your trip you will need to purchase Add On Option 2.

Should I choose worldwide or European cover?

European cover should be selected if your destination country, or countries, is within the continent of Europe. The countries listed as Europe can be seen in the question mark display button next to destination when getting a quote.

Worldwide cover should be selected if the country of your destination is not listed as being within Europe.

How many countries can I visit on a single trip policy?

You can visit as many countries as you wish within the period of cover and your selected destination area.

Where can I explore expat travel insurance?

Our main  expat travel insurance  web page provides you with the plan details and also allows you to get an instant quote for your cover. If you’re happy with the plan benefits and premium, you can buy online too!

Is your policy wording available in all languages?

Although our plans are available to all nationalities living anywhere in the world, the contract wording is only currently provided in English language. Therefore please ensure that you are fully conversant with English language before purchasing one of our plans.

Which countries are classed as Europe?

Europe means people travelling to: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands (Denmark), Finland, France, Georgia, Germany, Gibraltar (UK), Greece, Guernsey (UK), Hungary, Iceland, Ireland, Isle of Man (UK), Italy, Jersey (UK), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, The Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, Vatican City (Holy See).

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Best travel insurance options for expats

Last updated: 3 July 2024 at 15:40

Travelling while living abroad introduces a number of different challenges regarding what kind of cover your travel insurance may provide you, but not all travel insurance companies will provide travel insurance for non-UK residents.

When travelling, many people simply choose one of the options presented to us either by the travel agent, airline company or travel website. However, as an expat, your personal situation might exclude you from all the benefits available so it is vital that you read all the terms, conditions and small print to ensure that you are fully covered while travelling.

It is also advised that, rather than wait until you are about to travel to arrange your travel insurance, you should purchase travel insurance as close to when you made your booking as possible - ideally on the same day. This is to ensure you are covered if your travel plans get re-arranged or cancelled due to unforeseen events.

If you have a travel plan which you purchased before you moved abroad, you must also read the small print as it is unlikely to provide cover for your travels once you have moved abroad.

Companies offering travel insurance policies for expats and non-UK residents

Expatriate Healthcare Travel Insurance

Expatriate Healthcare’s, International Travel Insurance TravelCare policy covers all nationalities, travelling anywhere in the world.

You can cover a specific single trip or, for total flexibility, an annual policy that covers you for any trip you take abroad; regardless of how often you travel.

Perfect for people who

• Expats under 70 years old
• Seeking global cover
• Children over 5 travelling alone

Important Facts

• Visit as many countries in your destination area
• Europe only cover
• Global cover
• Contracts in English
• Free online quotes

Feather Travel Insurance

Feather is a comprehensive digital insurance solution designed for expats, by expats. With Feather, everything from onboarding to claims processing can be done all online, all in English. Their slick digital sign up processes are complimented perfectly by their team of experts, who offer free consultations in English, to help you make informed decisions and clarify any doubt when submitting claims. 

• Expats under 74 years old
• Digital nomads and freelancers
• Not working and retirees
• Are in Germany or France
• Free instant quote
• Sign-up online within minutes
• Manage your policy all within the Feather mobile app
• Everything from contract to support provided in English

Staysure Expat Travel Insurance

Staysure Overseas SL offers Expat Travel Insurance to the over 50s, bringing our quality products and excellent value for money to those living outside the UK.

• Live abroad and travel anywhere in the world
• Are over 50
• Need global cover
• Instant quote
• Instant cover

We do not accept any responsibility for information, offers or product suitability of any product or content on third party sites.

• UK Residents
• Expats, Non UK residents Travel Cover
• Groups and Business
• Making a claim

Non-UK Residents

Insurance for expatriates, non-UK residents and travellers who have already left their home country

Non-UK residents Travel Insurance

Salt Insurance has teamed up with IMG Europe to offer an extensive range of International and expatriate health and medical insurance – providing quality cover to individuals, families of any nationality living, travelling or working virtually anywhere in the world. Our products allow our customers to travel between countries, operate from multiple locations, and even seek treatment in countries outside one’s place of residence. With service centres in both the United States and Europe, the IMG family of companies are here to help you when you need it most, 24 hours a day, seven days a week, 365 days a year.

Check out our range of products below

Unsure which insurance is right for you? find out here

GlobalFusionSM International Medical Insurance

Globehoppersm single-trip travel medical insurance, globehoppersm multi-trip travel medical insurance, globalfusion international medical insurance, globalfusion is designed to meet your total international and expatriate long-term private medical insurance needs. it is available worldwide to any nationality and in many cases can even provide cover or treatment back in your home country..

This plan offers the flexibility to select from a wide range of unique cover options – each with specialised covers. It is possible to customise the length and area of cover to meet all budgets, with an option to select from multiple annual excesses and premium payment instalment options. Cover is available for one year or longer.

Brochure Exclusions

GlobeHopper Single-Trip Travel Medical Insurance

Globehoppersm is designed to meet the needs of those looking for temporary travel and medical insurance coverage whilst traveling outside of their home country..

In addition to medical benefits, the plan includes coverage for emergency medical evacuation and security and political evacuation; cremation/burial, or repatriation of remains; and a wide choice of excess and plan maximums. Cover is available from five days up to two years.

Get an Individual Quote Get a Group Quote

GlobeHopper Multi-Trip Travel Medical Insurance

Globehoppersm multi-trip is designed for individuals and families who travel frequently outside of their home country throughout the year..

This plan offers the ease and convenience of an affordable single annual premium plan, providing coverage for multiple trips of up to 30 or 45 days taken during a period of 12 months. The plan provides up to £600,000, $1,000,000, €800,000 of medical coverage and services.

• Help and Support

Travel Insurance

Travel stress-free with our 5 star rated platinum cover, medical expenses cover.

Up to £20m cover for emergency illness or injury

Personal belongings cover

Up to £2.5K cover for loss, theft or damage of your belongings

Personal accident cover

We’ll pay up to £25k if you have an accident on holiday

What's travel insurance?

Travel insurance, also known as holiday insurance, protects you and your family against unexpected costs while you're travelling or on holiday.

While it isn't a legal requirement, it covers the cost of things like medical expenses if you get ill or injured abroad, trip cancellation, stolen personal belongings and lost luggage.

What's covered

Here are some key features of our travel insurance. As with any insurance, policy limits and exclusions apply, so always read your policy book.

Emergency medical expenses

We cover reasonable and necessary emergency medical treatment costs if you get ill or injured in an accident abroad.

Delayed or missed departure

If you're delayed or miss your transport due to unforeseen circumstances, we'll cover reasonable costs for accommodation and travel.

Lost or stolen personal belongings

You can claim up to your policy limits if your personal belongings or luggage are lost, stolen or accidentally damaged during your trip.

Cancelling or cutting your trip short

We'll cover costs up to your policy limit for things like deposits or parking fees if you have to unexpectedly cancel or cut short your trip.

Personal liability and legal assistance

We'll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.

Specific COVID-19 related events

Read about how COVID-19 affects your travel insurance on our dedicated FAQ page .

What isn’t covered by travel insurance?

This list isn’t exhaustive and doesn’t include exclusions for our specialist travel insurance like adventurous sport and winter sport.

• flights cancelled or delayed for any reason other than severe weather conditions, strike, or mechanical breakdown
• claims related to flights that don't start or end in the UK (connected flights)
• trip cancellation because you’ve changed your mind
• pre-existing conditions you've not declared
• claims related to death or illness of someone not on the policy linked to pre-existing conditions they had at any time before you bought your policy
• lost or stolen items you've left unattended
• claims where you can't give us evidence, for example, a police report or receipts
• being denied entry because you don't have passports or the correct visas
• extreme sports, winter sports or cruise trips unless you've paid for the additional cover
• circumstances that aren’t specified in your policy

However, check your policy book for all exclusions.

Travel Insurance policy book

Choose from three levels of cover.

We have three cover levels for you to choose from, depending on the level of protection you want for your next trip.

Good to know

The table below shows the standard benefits and “up to” limits of each tier. Individual benefits may have different internal limits depending on what you need to claim for.

Why do I need Travel Insurance?

Choosing a travel insurance policy that suits your needs offers financial protection against travel-related emergencies. In particular, getting ill abroad can be very expensive as most countries don't provide free medical care in the same way as in the UK.

For example, in the US, you're charged for an ambulance call out, meaning a trip to the hospital could cost tens of thousands of pounds.

If you're travelling to an EU country or Switzerland, a GHIC card can reduce the cost of medical expenses or make them free of charge, but it won’t fully cover you for medical treatment or repatriation. Read more about getting a GHIC card here .

What type of travel insurance is best for me?

Whether you're flying solo or travelling with your friends and family, we cover the UK, Europe and worldwide.

Single Trip Insurance

Cover for one trip lasting up to 365 days for travellers aged 18 up to 100 years, depending on the destination.

Annual Travel Insurance

Cover for 12 months on an unlimited number of trips lasting up to 31 days each. This is for travellers aged 18 up to 90, depending on region of cover

If you need cover for trips longer than 31 days, you can select the required trip length when completing your quote (subject to eligibility).

Travelling with pre-existing conditions

If you have a pre-existing condition , you must tell us about it when getting a quote to see if we can offer cover and to avoid invalidating your policy. We can't cover your pre-existing conditions unless you've:

• declared them all on your policy
• had written confirmation that we'll cover your medical condition
• paid any additional premium in full

If you're unsure what to declare or unable to find your condition on the medical conditions list, please call  0333 234 9913 .

Please note, if you've tested positive for COVID-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this must be declared on your policy.

Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).

How to get cheaper travel insurance

There are a few things you can do to lower your travel insurance costs:

How to claim on your travel insurance

We may ask for original receipts, invoices or medical records to support your claim.

Read your policy book

Check that we cover the event you want to claim for

Prepare your information

You'll need documents to support your claim

Visit our make a claim page for our contact details or log into  MyAccount

Your questions answered

Is coronavirus covered by my travel insurance.

To find out how Covid-19 affects your travel insurance, take a look at our dedicated FAQ page . 

Is it illegal to travel without holiday insurance?

No, it's not a legal requirement but it gives you cover against things like cancelled holidays, missed transports, missing luggage and injury while abroad.

Does travel insurance cover natural disasters?

Cover for catastrophes including fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity including ash cloud, flood, tidal wave, tsunami, medical epidemic or pandemic are all included as standard on our Gold and Platinum policies. This cover is not included in our Admiral level policy. 

My partner and I live at separate addresses, can we still buy a couple policy?

You have to buy a group policy if you don't live at the same address as your partner.

Our definitions are:

• Individual policy – one adult aged 18 or over.
• Couple policy - two adults aged 18 or over who live at the same address and are in a relationship.
• Family policy – two adults aged 18 or over who live at the same address plus at least one child (maximum 5).
• Family one adult policy – one adult plus at least one child (maximum 5).
• Group policy - between two and ten individuals, who don't need to live at the same address. Each adult is covered to travel individually as well as together.

What is your definition of Europe?

When we refer to Europe , we are referring to the following countries and territories: Albania, Andorra, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands, excluding Greenland), Egypt, Estonia, Finland (including Aland), France (including Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Svalbard), Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, The United Kingdom (including Channel Islands and Isle of Man), Vatican City.

Am I covered for private medical treatment?

No, you will need to have any private treatment pre-authorised by the Emergency Assistance Service. If you are travelling in Europe , Australia or New Zealand you can access public health services, free of charge and you won’t be required to pay any excesses on the Medical Expenses section of your policy.

What happens if I'm the victim of a terrorist attack while I'm abroad?

First of all, we hope that this is never the case. But, if you do need emergency assistance, please call +44 (0)29 2010 7777 at any time and we'll do everything we can to help.

Are there any destinations I can't travel to under my policy?

Yes, no matter which destination you select when you buy your policy, you aren't covered if you travel somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to go to. For more information see the FCDO's foreign travel advice page or call  020 7008 1500 .

What cover is there for dental treatment?

With new policies, you’re covered for up to £400 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” under the Emergency Medical and Repatriation section of your cover (subject to your excess).

Can I upgrade my travel policy cover level after I’ve taken it out?

No, sorry. Currently, this isn’t possible.

Is terrorism covered?

Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation, Personal Belongings, Personal Accident and Hijack sections (where cover is provided as part of the platinum tier only).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

• violence against a person
• damage to property
• putting life in danger
• creating a health risk to the public
• interfering with or seriously disrupting computer systems or transport services including cyber terrorism
• biological, chemical or nuclear force or contamination

Can I get cover in the event of scheduled airline failure?

We will not pay any claim due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

Do I need to declare existing medical conditions to get Admiral cover?

Declaring your medical conditions will ensure you are purchasing a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

I have an Annual Multi-Trip policy. What is the longest I can go on holiday for?

You can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

Take a look at our Annual Travel Insurance page to learn more.

Will my holiday insurance cover me if the travel agent/tour operator/airline company goes into administration?

No it doesn't cover this. If the company is an ABTA member, you can submit a claim to them for the cost of your holiday.

Do you cover children under 18?

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.

What happens if I can't return from my trip on my planned date because of illness or injury; am I still covered?

Yes, we extend your policy and continue to provide cover in those circumstances where the delay is completely outside of your control.

I don't live in the UK – can I get travel cover?

Unfortunately not. It's only available to permanent residents of the UK (England, Northern Ireland, Scotland, Wales and the Isle of Man).

What happens if strike/industrial action disrupts my trip?

Provided you weren’t aware of the strike/industrial action at the time you booked your policy, and it wasn’t public knowledge, we’ll pay up to the limits shown in your policy schedule for irrecoverable costs you've paid.

What happens if my baggage is delayed, lost or stolen?

If your baggage is delayed or lost in transit, you should tell the company transporting your baggage within 24 hours of discovery. Ask them to complete a Property Irregularity Report or give you with a baggage loss receipt. If your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover to buy necessary items (up to £50, £100 or £150 depending on your tier of cover).

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and get a written report. You can claim (up to £1,000, £2,000 or £2,500 depending on your tier) for stolen or lost items. There's a single item limit and total valuables limit (up to £200, £300 or £400 depending on your tier).

Are there any charges to change my policy?

No, we don’t charge any admin fees.

What should I do if I or someone travelling with me becomes ill during my holiday?

If you or someone covered by your policy becomes ill or is injured during your trip and needs emergency medical treatment, please go to a public medical facility and contact our 24 hour emergency assistance line on +44 (0)29 2010 7777 as soon as you can.

Please call this number if you're unsure where to get treatment, you think costs may go over £500, or you think you'll need to cut your trip short.

For minor ailments while abroad, pharmacies and public health facilities are often able to give advice and provide treatment. If costs are more than the policy excess and you want to make a claim, please keep all receipts and call our claims line on  0333 234 9914 .

Does my policy allow someone to travel out to be with me if I am ill abroad?

Yes. If you've been given medical advice that someone should stay with you and that requires someone travelling from the UK to be with you, we'll cover the reasonable extra transport and accommodation costs (up to the policy limit) for that person.

How long can I travel for?

The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year.

If you choose an Annual Multi-Trip policy you can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

How to extend travel insurance due to illness or injury

If you have to extend your trip for medical reasons our policies will automatically provide cover until you return home.

If you have a single trip policy and need to change your travel dates, you must contact us before you go on your trip.

If you have annual multi-trip cover, the maximum length per trip on the policy is 31 days as standard unless we've agreed to cover you for a longer trip and this is stated in your policy schedule.

If your annual policy is due to end while you're on holiday and your policy is not set up to automatically renew, please contact us before you travel so we can arrange for your policy to continue while you're away.

What should I do if my travel is disrupted by severe weather?

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250 or £300 depending on your cover tier) from starting your journey due to severe weather.

If your transport is delayed for more than 24 hours or cancelled and cannot be rearranged for over 24 hours, cover is provided (for costs up to £1,000 on Admiral, £3,000 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover

We can reimburse you for additional transport and accommodation costs if you decide to continue with your trip after:

• your prebooked transport was delayed for more than 24 hours
• your transport was cancelled, and no alternative could be found within 24 hours of your original departure time

We can only reimburse you these costs if they are less than the cost of abandoning the trip. 

We won't make any payments if they aren’t additional to costs you were already expecting to pay - for example if you get a refund and the cost of alternative transport or accommodation is less than the refund. Check your policy book for full details.

Do you cover my car if it breaks down when I'm driving in Europe?

No, your holiday insurance doesn't cover car breakdown. However, if you have Admiral Car Insurance , you can extend this to provide European Breakdown Cover . This covers you and your car in case it breaks down while abroad in Europe.

What does excess mean in travel insurance?

The policy excess is the amount you must pay towards any claim. The excess applies to each insured person and each event that leads to a claim. Multiple excesses may apply for claims under each section.

Can I get one-way travel insurance?

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

Do you cover travellers over the age of 70 for Single Trip policies?

Am i covered if my flights are disrupted because of brexit.

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

I don’t want to travel because of Brexit – can I cancel my trip?

If you decide you don’t want to travel because of Brexit and end up cancelling your trip, you won’t be able to claim. Not wanting to travel isn’t a valid cancellation reason for claiming.

Will I need a visa to travel to the EU after Brexit?

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS). 

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

How long will I need on my passport after Brexit?

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool .

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

Can I still use my EHIC card after Brexit?

If your EHIC is still in date, you can use it when you travel. Otherwise you’ll need to apply for the new Global Health Insurance Card ( GHIC ).

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Medical Travel Assistance Helpline on +44 (0)292 010 7777.

Read more about our customer's experiences

We care what our customers have to say about us.

Useful guides

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Holiday cancellation cover and travel insurance

Your guide to GHIC cards

How we calculate your travel insurance premium.

We use multiple factors to calculate travel insurance prices. We constantly check the prices we charge to offer you the best travel insurance premium, but prices also fluctuate depending on the market. Here are a few factors:

• Where you’re going — where you’re going heavily influences how much you’ll pay for travel insurance. The destination tells us how expensive medical treatment is and how much it’d cost to fly you home in an emergency.
• How long you’re going for — simply put, the longer you’re away from home, the higher the risk of you having an accident or losing your things.
• Who you’re travelling with — the age and medical history of everyone travelling impacts your premium price.
• Any medical conditions — depending on the severity of the condition (and, therefore, the potential cost and likelihood of treatment), your premium is likely to be higher.
• The cost of medical treatments — on average, the cost of medical treatment is higher outside of Europe. Plus UK citizens can use a GHIC card in the EU to access treatment and, in some cases, reduce the cost.
• What you’ll do on your trip — you increase your risk of injury on winter sports trips, meaning it’ll cost more to insure. But, without specialist cover, any related claims will be rejected.
• What’s going on in the world — currency fluctuations can make it more expensive for us to settle claims with companies or services based abroad. Increased risk of terrorism, airline strikes or natural disasters will also impact your premium.
• Insurance Premium Tax (IPT) — by law, we add a 20% tax to your travel insurance premium. Read more about why we do this.

How to get a travel insurance quote

We need to know a few things to get your quote

What type of travel insurance you need

Do you have one trip planned or multiple trips for the year?

About your trip

• Your destination or region
• How long you're going for
• Who you're travelling with

Traveller details

• Date of Birth
• Contact information

Any medical conditions

Let us know if you have any medical conditions we need to know about.

View other travel insurance options

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, choose the pdf relevant to your policy start date....

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Foreign travel insurance

If you’re travelling abroad, you should take out appropriate travel insurance before you go.

If you travel internationally you should buy appropriate travel insurance before you go, covering you for existing physical or mental health conditions (including those currently under investigation) and any activities you will be doing whilst you are away.

If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds. For example:

You should buy your travel insurance as soon as possible after booking your trip. Read the small print and familiarise yourself with any exclusion clauses for the policy.

The Association of British Insurers (ABI) represents over 300 insurance and long-term savings firms. Read the ABI’s advice on travel insurance , and their  guide on choosing the right travel insurance policy . In addition, see the MoneyHelper travel insurance directory for further information.

In addition to making sure you have appropriate insurance, you should also check Foreign, Commonwealth & Development Office (FCDO) travel advice and sign up to alerts for your destination. If you travel to a destination where FCDO advises against all but essential travel or all travel, your insurance may be invalidated.

When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf.

What your travel insurance should cover

Check whether your policy covers:

• the full length of your trip (many policies have a maximum trip length and/or an annual limit on how much time in total you can spend outside the UK)
• treatment in state or private hospitals (emergency treatment and hospital bills can be enormously expensive)
• emergency transport, such as an ambulance: this is often charged separately to other medical expenses and emergency travel home on medical grounds can be very expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if there are related complications during your trip; failing to declare something may invalidate your travel insurance
• all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance or an add-on for some activities)
• all the places you intend to visit, even if only in transit, in case anyone needs emergency treatment in a transit country
• repatriation costs if you or a family member die abroad
• getting home after medical treatment if you cannot use your original ticket
• reasonable costs for a family member or friend to stay with you, or travel out to accompany you home if required

Check also whether:

• the insurance provider has 24-hour assistance helplines to offer support and advice about appropriate treatment
• the insurance policy provides cover if an airline or travel agent goes out of business – typically this is not covered. ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA) . Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover

If you are going on a cruise, check the booking conditions of the operator you plan to sail with as cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment.

Specialist health and medical insurance

If you have a serious medical condition, you may need a specialist insurance provider or policy. The British Insurance Brokers’ Association (BIBA) has a Travel Medical Directory which has a list of specialist providers who cover serious medical conditions. 

A Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) allows you to access state-provided medically necessary healthcare within the EU, Switzerland and some other countries on the same terms as residents of these countries.

EHIC and GHIC are not alternatives to travel insurance as they do not cover any private medical healthcare costs, repatriation or additional costs such as mountain rescue in ski resorts.  

Some insurers may waive any excess on medical treatment if you use an EHIC or GHIC. Check the terms of your policy or contact your insurer to see if this is the case.

Find out more about the EHIC and GHIC, including how to apply for one free of charge .

Policy exclusions to look out for

Check how or whether an insurance policy covers:

• alcohol and drugs: most travel insurance policies do not cover events that happen after you have drunk excessive alcohol or taken recreational drugs or other substances
• high risk destinations: many travel insurance policies will not cover travel to a high risk destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all but essential travel or all travel. Check your policy wording and the relevant country travel advice pages before booking your trip and buying insurance
• mental health conditions: you must declare mental health conditions or risk invalidating your policy. Be aware that some may exclude cover for treatment related to a pre-existing mental health condition. See foreign travel advice for people with mental health issues  for more guidance
• age restrictions, particularly if you are buying an annual policy: read the Money Advice Service and the ABI guidance on insurance for older people (PDF, 411 KB) for advice on how to choose the right level of cover, get the best deal, make a travel insurance claim and guidance for travellers over the age of 65 or with pre-existing medical conditions
• sports such as bungee jumping, jet skiing, winter sports or skydiving: these are not usually included in standard policies
• use/hire of quad bikes or mopeds: they are not usually covered
• driving overseas: if you’re hiring a car, check what you’re covered for with the hire company; if you are driving your own vehicle, check your motor insurance policy to see what it covers; check our advice on driving abroad
• terrorist acts: most travel insurers offer only limited cover for terrorist acts but some offer policy add-ons to provide additional cover if there is a terrorist attack in your destination; this may include cancellation cover, if your destination is affected by a terrorist attack before your trip and you no longer wish to travel; as a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in an attack
• natural disasters (such as an earthquake or tropical cyclone): some policies only offer limited cover for claims related to or caused by a natural disaster
• civil unrest, strikes or other industrial action: you may not be covered for some claims that arise from these kinds of incidents, especially if they were known publicly when you booked your trip and/or bought your travel insurance policy

Insurance for extended periods of travel

‘Long-stay’ travel insurance can cover extended periods of continuous travel. Check carefully the maximum duration allowed in any policy you consider buying to ensure that it meets your needs.

Make sure that the entire policy meets your needs, including specific activities and work (paid or unpaid) you may undertake.

Insurance if you live abroad or go for work or study

Travel insurance is not intended for permanent residence abroad. If you live overseas, or you’re planning to move to a different country to live, work or study, you should consider your insurance needs carefully.

Read the healthcare guidance in the Living in country guides for the country where you live to ensure you have the right healthcare arrangements for your circumstances.

You can buy private medical insurance for UK expatriates. Local law may require you to have medical insurance, including as part of a visa application.

You can buy insurance from local providers abroad. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in the future.

Support for British nationals abroad

Support for British nationals abroad explains how the FCDO can provide support to British nationals if things go wrong abroad.

Updates to this page

Guidance fully reviewed and updated, including updated costs of emergency treatment. New 'Specialist health and medical insurance' section added.

Reviewed and updated guidance in full.

Updated guidance on using an EHIC or GHIC to access healthcare in Switzerland.

Updated to reflect new rules for travelling to amber list countries.

Updated COVID-19 section on new rules for international travel from 17 May.

Updated to reflect current COVID-19 travel guidance

New link to the declaration form for international travel (for England), from 8 March.

Edited grey box at top of page to provide further information on requirements coming into affect from 15 February

From 15 February you will need to quarantine in a government-approved hotel if you arrive in the UK from countries on the travel ban list.

Updated with new requirements coming into effect from 4am on 18 January 2021.

Updated with information on pre-departure testing for everyone travelling into England and Scotland.

Updated to reflect latest UK COVID-19 restrictions.

Updated the section on travel to Iceland, Liechtenstein, Norway and Switzerland, to reflect changes from 1 January 2021.

Updated ‘Travel to the EU’ section to reflect that UK-issued European Health Insurance Cards (EHIC) will still be accepted in EU countries, with different guidance for people travelling to Norway, Iceland, Liechtenstein and Switzerland from 1 January 2021.

Updated COVID-19 travel guidance

Updated to reflect the latest Tier-based COVID-19 rules for England

Updated to reflect the 5 November national restrictions for England relating to travel

Updated EU travel section with information on EHIC validity

New information on making sure your travel insurance covers you for coronavirus-related events

Update to contents including addition of new segments; travel insurance after starting travel or changing your plans, making a travel insurance claim, other financial protection and if you’re not covered.

Added information on financial protection of package holidays.

Information on the use of European Health Insurance cards (EHIC) in the event of a no deal added to the EU Exit update section

EU Exit update with advice on checking insurance coverage when travelling to Europe after the UK leaves the EU.

Content and format changes

Inclusion of Association of Travel Insurance Intermediaries (ATII) information.

Updated information on travel insurance

First published.

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Travel Insurance

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Frequently Asked Questions

• How do you define a UK resident?

Our policies are designed to offer cover to United Kingdom residents, to qualify you must be a permanent resident within the UK and have been registered with a UK medical practitioner for at least 6 months.

We can also consider offering cover to temporary permanent residents on the understanding that they have been living in the UK and registered with a UK GP for at least six months, that their intention is to travel to and from their home in the UK, and where a visa is required for residency purposes, the visa in place at the time of policy purchase runs for a period that is the same length or longer than the period of insurance.

Examples re temporary permanent residents -

Annual multi trip insurance

All travellers to be insured on the policy must:

• Have lived in the UK for at least 6 months on the day the policy is purchased
• Have been registered with a UK GP for at least 6 months on the day the policy is purchased
• Have a visa allowing them to live work/study in the UK beyond the life of the annual multi trip they are about to purchase
• All trips must begin and end in the UK

Single trip insurance

• Have a visa allowing them to live work/study in the UK beyond the life of the single trip policy they are about to purchase
• The trip must begin and end in the UK

Related Questions

• I forgot to buy my travel insurance policy and have already left the UK. Can I still buy insurance from you?
• What age do I enter on my quotation?
• Who is insured on my policy and who is entitled to receive the policy benefits?
• Can I purchase a policy for a child without an adult named on the policy?
• What is your definition of family?
• What is your definition of a couple?
• As grandparents can we purchase a family policy at the discounted family rate that covers our grandchildren?
• Can we add our new grandchild to our existing family policy?
• What age restrictions apply to Coverwise travel insurance policies?
• What is the definition of a third party?

FAQ Categories

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• Help and Assistance (10)
• Coronavirus (COVID-19) (14)
• 24/7 Medical Consultation Service (8)
• Claims (14)
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• Single Trip Travel Insurance

Single-trip travel insurance

No age limit and all medical conditions considered

Under 18's with no medical conditions go free

Flight Delay Assistance Plus – available on our premier policies

Off on your travels? Pack our single-trip travel insurance

Wherever you’re travelling to and however long you're going for, don't forget about your travel insurance. It might not be the most exciting thing to think about but it's just as important as your passport and travel tickets.

Single-trip travel insurance is suitable cover for you if you're about to go away on just one trip. Any more than that and you may be better off with annual multi-trip travel insurance .

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.

What’s covered?

Here’s a summary of the cover our single-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Cancellation and cutting short your trip

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Missed departure (3)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

You’ll also get protection for any unexpected legal costs you might be charged while you’re away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

(4) Increased to £750 if you bought your foreign currency from Post Office.

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does single-trip travel insurance cover covid-19.

Policies purchased from the 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment if needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies but, for extra reassurance, you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there is no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption cover upgrade . You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What’s covered with single-trip travel insurance?

With single-trip travel insurance, you’re covered for a range of issues that might happen while you're away. These include medical expenses, cancellation or cutting short your trip, plus the loss of your belongings. But check the policy details before you decide on which cover to get. The amounts and things you're covered for a will depend on the level of cover you take out. Take a look at our policy document to find out which one best suits your needs.

Does single-trip travel insurance cover cancellation?

Yes, your single-trip travel insurance policy will cover you if your trip's cancelled or cut it short, for some situations. These can even include cancelling or shortening a trip due to coronavirus, in some cases. You’ll find full details of what’s covered and what isn’t in the policy wording .

Will I need extra cover with single-trip travel insurance?

It depends on what level of cover you need for your trip. The level of cover you have with a single-trip policy is the level you chose when you applied for the travel insurance.

It’s a good idea to list out the cover you think you might need while you’re away. That makes it easier to compare policies to find the one that’s right for you.

For instance, some policies include cover against the impact of Covid-19. But you might want to add extra protection in case the virus causes you to miss a departure or other delays. Check our new trip disruption cover upgrade for further information on how we can help.

Some activities require mandatory additional cover. If you’re going skiing or on a cruise, you’ll need to take out extra specialist cover. That’s because these types of trips involve a different level of risk for insurers. Please be aware that these covers will add an extra cost to your insurance package.

There are some adventure sports and activities that are covered as standard on our single-trip travel insurance and others that aren’t. It’s important to fully understand your policy document so you don’t become involved in something that you’re not covered for.

What are the advantages of single-trip travel insurance?

If you don't travel too often – perhaps only once or twice a year – then you might want to take out a single-trip policy. If you're taking a single trip of lasting duration (up to 365 days(7)) then a single-trip policy can cover you too. Terms and conditions apply.

If it's likely you'll take more than one trip in a year, Post Office Annual Multi-trip Travel Insurance may be a more cost-effective way for you to get covered.

What different cover levels are there for Post Office single-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier. With our premier policy, there's complimentary airport lounge access if your flight's delayed for one hour or more (8).

When is the best time to start my single-trip travel insurance?

It’s often best to buy single-trip travel insurance as soon as you book any part of your trip. Cover for cancellation won’t begin until you buy it. The start date needs to be the start date of your trip, but by taking it out straight away, should something happen between now and the start of your trip, you can be covered for cancellation in some circumstances. It’s another thing sorted and out of the way, and one less thing to forget as you get nearer to your trip and things get busy.

How much is single-trip travel insurance?

The price you pay for single-trip travel insurance really depends on what you need your policy to cover. When you get a quote from Post Office we’ll ask what level of cover you need for all of the things you might like to protect, or issues you may want to safeguard against, when the time comes to travel. So we’ll work out a competitive price for that cover based on the options you choose.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time

Register policy

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (7)
• No age limit

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after the 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

Things you need to know

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above

(8) You need to register your flight online at least 24 hours before your scheduled departure time. Your free lounge access or ability for a monetary cash value will become available on the announcement of a minimum one-hour delay, this can either be announced as one single period of delay or reached as a consequence of multiple incremental shorter delays provided that your flight departs from an airport terminal with a lounge that's part of the LoungeKey network.

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International Health Insurance for Expatriates in the United Kingdom

The United Kingdom is one of the most popular destinations for expats. It has easy flight connections, a wide array of business opportunities, and the attraction of not having to learn a new language. It’s easy to see why it’s so beloved by American expats and those worldwide. And part of the UK’s appeal is the superb reputation of its health care system. However, for foreigners or expats in the UK for the first time, there are a lot of logistics to sort out. UK Health Insurance should be at the top of your priority list.

Find the Best International Medical Insurance

• Compare multiple quotes and coverage options
• Work with an insurance expert at no additional cost
• Find the best plan for your needs and budget

Best Medical Plans for Foreigners in the UK

Expatriates in the UK have many options for their global medical coverage. Two leading providers are listed below. Cigna Global Medical is a great option for most, and you benefit as their global headquarters are located in Glasgow. GeoBlue Xplorer plan is an excellent option for US citizens living in the United Kingdom as they will provide up to 9 months of coverage back in the USA as well as worldwide. The recommended plans are available in England, Britain, Wales, Scotland, and Northern Ireland .

A Leading Private Health Plan for Immigrants in the UK

The Cigna Global plan is an excellent option for foreigners residing in the UK as expatriates or immigrants for extended periods. The plan offers a range of coverage options, each with different costs. Cigna also has offices in London and Glasgow, making customer service more accessible. Cigna’s network of doctors and private hospitals in the UK and around the world is excellent, so access to quality care is not a concern.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

The Best Medical Plan for US Citizens in the UK

The GeoBlue Xplorer plan is a popular option for US citizens living in the UK. One primary benefit is that the plan offers up to 9 months of coverage in the USA should you want to receive care back home. Their global network of hospitals is excellent, including the Blue Cross Blue Shield network in the USA. Customer service is strong so you will be well taken care of.

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

A Third Option: Global Prima

In Europe, the Global Prima plan offers comprehensive benefits to international citizens residing in the United Kingdom with multiple plan designs, affordable benefit packages, and top-notch customer service. For EU residents residing in the UK, ask about the option for Europe-only coverage to keep your costs down.

IMG Global Prima Medical Insurance Plan

• Five plan options and additional optional benefits to include
• Choice of the coverage area to reflect your geographical area of need
• Freedom to choose your health care provider wherever you are in the world

Read: Travel Insurance for Visitors to the UK

How Much is Private Health Insurance in the UK

A private medical plan in the UK will cost you as little as $100 per month for basic health coverage. If you want more comprehensive benefits, the monthly cost will increase to $300 – $500.

The average annual cost for private medical insurance in the UK is $5,651 (£4,470) based on our historical data of quotes provided to more than 4,000 clients.

Clients who are older or opt into the best coverage will pay $10,000 per month or more. An individual who is 60 years old will pay about twice what a 40-year-old applicant will pay. At the same time, younger clients (18- 24 years of age) pay significantly less, approximately $2,000-$3,000 annually, for their coverage.

Medical Benefits for Foreigners in the UK are often Oversimplified

Information about accessing public healthcare in the UK is often oversimplified. A short version goes something like this: An expatriate is a foreign citizen living in the UK legally to work. And if you’re working in the UK, the cost of healthcare is deducted from your paycheck. Therefore, you’re in!

In reality, the situation is more nuanced. Healthcare in the UK is publicly funded (yes, through payroll tax as a primary means). It’s known as the NHS or National Health Service. It’s available for everyone permanently residing in the UK (in other words, the people who are funding it). But where is that line between the long-term visitor, business person, expat, and permanent resident?

Related:  A Guide to Expatriate Health Insurance and Benefits

Can International Citizens in the UK Use the NHS System?

Access to NHS services isn’t based automatically on citizenship but rather on residency. To fully enjoy the NHS services – including both primary care and secondary care (hospital treatment) – you must be considered an “ordinary resident.” But who decides what is “ordinary”? In legal terms, it means your immigration status is “indefinite leave to remain.” Sometimes, this is referred to as being “settled” in the UK.

This page of the UK government’s website walks you through the process of determining if your immigration status is “indefinite leave to remain.” If your status is anything but “indefinite leave to remain,” you should carry private health coverage.

Does UK Healthcare Fall Short for Foreigners?

All the paperwork and organization are well worth it, for once you have an NHS card , a job, and a UK address , you can register with a local GP for ongoing medical care. That GP can also refer you to specialists for health services and order tests.

Related:  Five Tips for Becoming an Expat

However, expats should note that a common criticism of the UK Healthcare System or National Health Service is that waiting lists to see general practice specialists are growing. Another is that there are not sufficient resources to cover the costs of providing access to residents on a timely basis. This is one of the primary motivations for UK residents and expats alike to carry supplemental health care insurance. Such coverage offers more comfortable care, including private rooms should you be hospitalized and access to non-public physicians and general practice specialists.

Is It Worth Having Private Health Insurance in the UK

A Partial Solution Means Partial Healthcare. However, an alternative approach works well for foreigners and expats. If you’re coming to the UK on a temporary stay visa and that visa is for a term of more than six months, there’s good news. You’ll have to pay an immigration health surcharge during the application process. That surcharge is a hefty £150 for students and £200 for everyone else.  But it really is good news! It’s your gateway to access NHS primary care.

However, it’s only a partial solution. There are some health care services under the NHS for which you have to pay a contribution, like dental care, eye care, and prescriptions. You are also only covered for primary care. Secondary care (hospital-based care) is not included, as your status is not “indefinite leave to remain.”

For most foreigners living in the UK, a private global medical insurance plan will provide comprehensive coverage and access to the best hospitals and doctors worldwide, including back in your home country.

Appreciating the Role of the National Health Service in British Society

The NHS has had its share of ups and downs over the course of its 70-year history. It was a saving grace to many impoverished families and communities who were still struggling to rebuild post-war Britain. In the early 1980s, it faced a major scandal over contaminated blood products, which resulted in the deaths of over 1,000 people. During the administration of the Thatcher government, restructuring arguably led to a decline in the quality of care. And during the campaign for the “Brexit” referendum, the NHS’s strained resources once again were in the news. Pro-Brexit campaigners argued that funds earmarked for sustaining the European Union should be redirected to UK healthcare.

But throughout the highs and lows, the UK’s overall standard of health care remains excellent. The National Health Service is a cherished national institution. Expats from America who harp on about National Health Service waiting times may find themselves rebuked about their health care system. You’ve been warned!

Why Expats in the UK Should Never Gamble on Their Health

Expats in the UK tempted to forgo coverage in favor of taking their chances may find they’re in for a rude surprise should they need emergency care. While costs are more modest than in the United States, even a short hospital visit in the UK can quickly add up to thousands of dollars. This story from a British expat living in America who needed to access emergency care while on a return visit home to England gives some great insight into the costs and structure of British health care from the point of view of a citizen who’s also an expat themselves. As always, when it comes to your health, you’re better safe than sorry. Expats should consider an international medical insurance plan to ensure they are covered in other countries they may be traveling to as well as back in their home country. 

Request a Quote for Global Medical Cover in the United Kingdom

A leading international health plan for all foreigners in the uk, the best global medical policy for us citizens in the uk, a third option: global prima plan for europeans.

Author / Editor: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

• The Best Hospitals in the UK for Expatriates
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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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• Global travel destinations

Travel insurance for UK citizens and residents

Compare and buy travel insurance, travel insurance to usa from uk, best travel insurance for uk.

The United Kingdom is located off the northwestern coast of mainland Europe and comprises four countries: England, Scotland, Wales, and Northern Ireland. Known for its rich history, the UK has made significant contributions to global culture, politics, and economics. London, the capital, is a leading global city and a financial hub is renowned for its historic landmarks such as the Tower of London, Buckingham Palace, the Kew gardens and the British Museum.

The UK boasts a diverse landscape, from the rolling countryside of the Cotswolds and the rugged highlands of Scotland to the picturesque coastlines of Wales and the cultural vibrancy of cities like Edinburgh, Glasgow, Liverpool, Manchester and Belfast. As a constitutional monarchy with a parliamentary democracy, the UK has a significant influence in international affairs, finance, arts, and education. It is also known for its historic and world renowned universities, including Oxford and Cambridge, and a rich cultural heritage that includes literature, theatre, music, and sports.

Travel insurance UK is essential for UK residents going abroad and for visitors to the UK, providing crucial protection against unexpected events such as medical emergencies, trip cancellations, lost luggage, and travel delays. American Visitor Insurance policies work well in this situation and cover emergency medical expenses, including hospital stays and medical evacuation, which can be particularly costly without insurance. American visitor insurance offers customers some of the best travel Insurance UK plans at guaranteed best prices. For more details please contact us at 877-340-7910 or email and one of our licensed agents to get help finding international health insurance for UK.

European Health insurance card for traveling abroad

The European Health Insurance Card (EHIC) offers benefits like reduced or free healthcare cost in your resident country as well as abroad. It also offers coverage for pre-existing conditions, maternity and new born care within the residence country. When you are abroad, it is advisable to buy adequate travel insurance. International travel insurance will cover acute onset of pre-existing conditions. The EHIC will sometime help you pay excess amount on the travel insurance claim.

Which is best health insurance for USA for UK travelers?

The best travel medical insurance for UK travelers to the USA will differ from traveler to traveler based on their unique needs. There is no single short term travel health insurance for UK travelers which will work best for the US. While some UK travelers will look for the cheapest travel health insurance plan, others will look for the most comprehensive travel health insurance.

The price will be higher if you need health insurance for UK visitors to USA with pre-existing conditions. It is recommended to compare different travel health insurance for British travelers plans based on price as well as the different benefits coverage options.

Do UK travelers need a travel insurance to travel to USA?

NHS offers coverage for UK residents in England, Scotland, Wales and Northern Ireland. When the travelers are visiting the USA, NHS does not offer coverage outside the UK, therefore health insurance for UK visitors to the US is very much required! Health Care is very expensive in the United States and not having travel health insurance for USA can be financially catastrophic.

Having short term medical insurance for UK visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in the US. International travelers are urged to buy short term health insurance for USA to have a safe sojourn in the US.

What does visitors medical insurance cover?

Travel health insurance for foreigners in usa, visitors insurance for seniors.

Visitor medical insurance for travelers above 60 years

Visitor medical insurance for travelers above 65 years

US Visitors insurance for travelers above 70 years

Visitor medical insurance for travelers above 75 years

Visitor health Insurance for travelers above 80 years

US Visitors insurance for travelers above 90 years

Advantages of buying US/UK insurance

Medical insurance for u.s. citizens living in uk visiting us.

U.S. citizens and expats living in UK frequently travel back to the United States to visit family, for business, or for other personal reasons. At American Visitor Insurance we have the best travel insurance for U.S. expats visiting USA. Short term travel health insurance in USA for us citizens visiting the country that are designed by IMG a reputed US insurance provider are Patriot America Lite , Patriot America Plus , Patriot Platinum America . Another popular travel insurance for U S citizen traveling to USA is Diplomat America insurance by Global Underwriters. The cost of US expat returning to USA health insurance are based on the traveler’s age, duration of coverage and chosen plan maximum with deductible.

Cost of health insurance for US expats visiting the USA in 2024

# Approximate cost of US expat returning to US health insurance is for a 40-year-old US visiting US for a duration of 1 month

Best travel insurance for US citizens visiting USA

Uk travelers medical evacuation insurance.

UK citizens who need insurance coverage for expenses due to international travel medical evacuation and repatriation can buy travel medical evacuation insurance commonly called “Medevac insurance”.

The Atlas Medevac insurance from World Trips covers emergency medical evacuation for UK citizens traveling outside the United Kingdom.

Travel insurance for USA from UK - FAQ's

01. do uk tourists need travel insurance.

Often health insurance from a home country will not cover you while you are traveling in a different country. If you are in a country with high medical costs such as the US, Canada, or Japan, you should consider purchasing international travel insurance in case you should need any medical care. The travel insurance for UK tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.

02. How much travel insurance do UK travelers need?

The maximum health insurance for UK travelers will depend on where you are going. For example, if you are headed to other parts of Europe or the Philippines, $50,000 may be enough for your trip. If you are going to the US or Canada, you may opt for a much higher maximum ($500,0000 or $1 million) if possible due to the higher potential cost of care in those countries.

03. What is a good time to buy travel insurance?

Purchasing travel insurance cover before the start of a trip is best to get complete coverage before leaving the home country.

04. Is it worth it to include travel insurance during an international trip? Or what value does travel insurance bring during traveling?

Yes, UK travelers should consider adding travel insurance coverage for safe travel. Travel insurance provides protection in times of any sudden medical illness or injury during a trip. It helps the travelers from a huge financial loss.

05. What is the necessity of travel medical insurance?

Travel medical insurance comes to the rescue in an event of unexpected illness or injury while traveling away from the home country. It covers medical bills; treatments availed, in case of trip cancellation, trip interrupted etc. UK Travelers can choose the travel insurance cover according to their travel requirements.

Travel medical insurance to USA from the UK

Technically, you are not a US permanent resident until you have a green card. Until then you are a "visitor" regardless of how long you have been in the US. Students stay here for years and then get work visas, but without a green card, they continue to be eligible for our visitor plans as long as they can put down a foreign "residence" address.

You can compare the different US travel insurance options at our Compare travel insurance for USA tool.

Based on your needs, we suggest that you take a look at this great comprehensive plan called Safe Travels USA Cost Saver . It is offered by Trawick International and as the name implies is very economical sometimes costing less than even fixed plans! You have very flexible options for maximum and deductibles.

To get all the details of the policy, including the brochure, PPO network, etc, use this link:

I've just taken out a policy with you for a 9-day visit to Canada in December. I have just noticed on the policy that it doesn't actually state Canada on it anywhere.

Can you please confirm that the policy is indeed for Canada.

Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! I can confirm that the policy lists your home country as UK and your destination as Canada.

It is good anywhere outside your home country or the US. If you want this documented, you can download the "Visa Letter" from the client zone (instructions given on the first page of your fulfillment document).

Please let us know if we can help you in any further.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

USA visa health insurance, Visitor visa health insurance USA

USA B1 visa health Insurance for temporary business visitor.

US B2 visitors visa health insurance for tourists.

F2 visa medical insurance for dependents of F1 visa.

F1 visa health insurance for international students in USA.

J1 visa insurance for exchange scholars in educational/cultural exchange programs.

Health insurance for US green card holders.

Health insurance for fiancé(e) who marry U.S. citizens.

H1B visa insurance for skilled foreign workers in specialty occupations.

Travel insurance for tourists in USA, tourist insurance USA.

H4 visa insurance for dependents of H-1B, H-1C, H-2A, H-2B, and H-3 visa holders.

Steps to buy US visitor travel insurance online

  1: finding the best health insurance for foreigners.

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

  2: Compare the different travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

  3: Buy the US travel health insurance that you like best

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

  4: Review insurance plan documents received by email

Review the international travel health insurance policy for coverage details and relevant contact numbers

Factors to buy best travel medical insurance USA

Age of the traveler.

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Types of travel insurance

Single trip travel insurance.

Compare and buy best US Single trip insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Resourceful tourist insurance USA information

Find the best travel insurance.

Find out the best insurance for your budget and needs

How does travel insurance work?

Claims process for expenses due to injury or sickness

How to buy travel insurance?

Travel insurance glossary, travel insurance for specific groups, compare travel insurance plans.

Compare the best travel insurance plan for your needs

Best travel health insurance in USA information

Travel medical insurance USA resources International travel insurance resources for USA visa holders.

Factors for travel insurance USA online Factors to consider while choosing a health insurance for travel to USA.

Types of USA tourist insurance online Different types of tourist insurance for USA.

USA Vacation insurance claims procedure Trip insurance claims process for getting medical care.

Overseas travel insurance for US residents

Travel medical insurance for uk from usa, best travel insurance to the uk from usa, globehopper insurance for uk travelers.

Globehopper insurance offered by International Medical Group, Europe (IMG-Europe) is comprehensive travel health insurance that offers coverage for travelers outside their home country. GlobeHopper is a hybrid policy which provides short term private medical insurance and travel insurance cover.

It offers worldwide coverage and is popular among residents and citizens of the UK. It offers coverage in multiple currencies, namely €Euro, £GBP and $USD. It is available for older travelers up to the age of 70, college students, nannies, vacationers, missionaries, immigrants and relatives.

Some of the unique advantages of this GlobeHopper plan are:

• Can be sold to most nationalities, not just UK & EU residents
• Covers all non-elective treatment that is required prior to insureds home as planned date – not just emergency medical treatment.
• Can be purchased after departure subject to moratorium rules
• Extendable up to 2/3 years if original policy is purchased for 30 days or more
• Available in 3 currencies; USD, GBP & Euro
• This plan offers secondary coverage to any other coverage.

International Medical Group(IMG) Europe travel insurance

Globehopper travel medical insurance.

• Short-term travel medical coverage
• Available in $USD, £GBP, and €Euro
• Five differing plan limit maximum options
• Renewable up to 24 months if one month or more are purchased

GlobeHopper Platinum Travel Medical Insurance

• Coverage for individuals and dependents
• Three differing plan limit maximum options
• Renewable up to 36 months if one month is initially purchased

GlobalFusion International Medical Insurance

• Flexible, comprehensive medical cover
• Cover for individuals, families and groups
• Five unique sub-plan designs - Bronze, Silver, Gold, Gold Plus and Platinum
• 24 hour access to information

WorldStudy Insurance for international students

• Flexible medical cover for students, dependents, and student groups.
• Cover for treatment resulting from COVID-19
• Available in £GBP, €EUR, $USD
• Two plan maximum limit options

   UK - General Information

Popular tourist destination cities in uk.

Know more »

Regions of United Kingdom

UK travel information and requirements

• Entry Requirements: US travelers entering the UK must have either an Electronic System for Travel Authorization (ESTA) visa waiver or a visa.
• Travel Health Insurance for UK: While the UK has the National Health Service (NHS), international travelers, including those from the USA, may still need additional health insurance to cover medical expenses not included in the NHS.
• Passport Requirements: US citizens traveling to the UK must have a valid passport with at least one blank page for stays less than six months. The passport must remain valid for the entire stay, with an expiry date at least six months from the planned arrival date in the UK
• Visa and Electronic Travel Authorization: US travelers may need a visitor visa or Electronic Travel Authorization (ETA) to enter the UK, depending on their nationality. It is recommended to check visa requirements and apply for the necessary authorization before travel

Overall, US travelers visiting the UK should ensure they have the required entry documents, consider health insurance coverage, and comply with passport and visa requirements to have a smooth and enjoyable trip.

UK Expatriate Medical Insurance

Annual travel insurance for uk travelers.

Annual multi-trip plans are ideal for UK businessmen and regular British travelers. The annual travel insurance for UK travelers are cheaper than single travel insurance and there is no need to buy an insurance plan every time you travel.

The UK annual travel insurance plans provide coverage for a whole year, however there is a limit for each trip which is either 30, 45 or 70 days depending on the plan chosen.

Student health insurance for the UK

Student medical insurance for the UK is essential for international students, including those from the US, studying in the UK. The UK has a National Health Service (NHS) that provides healthcare to residents, but international students may still need additional health insurance to cover medical expenses not included in the NHS. Universities in the UK often require students to have health insurance coverage, and students can typically enroll in health insurance plans through their university or request a waiver if they have a comparable plan. It is important for US students studying in the UK to understand the health insurance requirements set by their university and ensure they have adequate coverage for the duration of their studies.

Trip Cancellation Insurance for UK

Planning a trip from the USA to the UK can be exciting, but unforeseen circumstances can arise, forcing you to cancel your dream vacation. While trip cancellation insurance isn't mandatory for travel to the UK, it can provide valuable financial protection. Reimburses you for pre-paid, non-refundable trip expenses (flights, hotels, tours) if you have to cancel your trip for a covered reason (like illness, injury, or natural disasters). Many travel insurance plans for the UK offer additional benefits like coverage for trip interruption, medical emergencies, lost luggage, and travel delays.

Cancel for Any Reason is an optional travel insurance benefit that provides extended coverage beyond basic trip cancellation insurance. With CFAR coverage, travelers can cancel their trip for any reason, regardless of the specific cause, and receive reimbursement of 50% to 75% of their prepaid, non-refundable trip costs. Buying Trip protection insurance for UK can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.

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Travel insurance for UK from USA - FAQ's

01. do americans need travel insurance for the uk.

Traveling to UK is fun but US travelers must remember that travelling away from home to a new country can lead to unforeseen risks. It is crucial for US travelers to have travel insurance to cover trip delay or trip cancellation expenses in case the trip needs to be cancelled for some reason.

02. What are the most common exclusions in travel insurance policies?

• Pre-existing medical conditions: Most travel insurance policies do not cover pre-existing medical conditions, but some policies may offer limited coverage for the acute onset of pre-existing conditions.
• Changing your mind or canceling the trip: Travel insurance policies do not cover losses for tickets or tours won as an award or by redeeming frequent flier or credit card miles, or if the insured cannot afford to go on the trip.
• Extreme sports and activities: Most travel insurance policies do not cover extreme, high-risk sports such as skydiving, scuba diving, bungee jumping, heli-skiing, and more. Some plans offer add-on coverage for hazardous sports, and you may also have the option to purchase hazardous sports travel insurance.
• War or war-like situations: Travel insurance policies do not cover losses under an act of war or mass chaos.
• Mental, psychological, or nervous disorders: Travel insurance policies almost never cover mental, psychological, or nervous disorders such as anxiety, depression, neurosis, or psychosis.

It is essential to read the policy documents before purchasing coverage to understand what is included and excluded from coverage. For any details please call us 877-340-7910 or email and our licensed representatives would be happy to help you find the right international insurance coverage.

Travel medical insurance UK, Travel insurance to UK from USA links

Uk to usa travel insurance faq, uk travel insurance blog, travel insurance to uk forum, international travel insurance coverage.

We also offer international travel insurance plans covering pre-existing conditions which many older travelers look for... Click here to read more

Buy Cheap International travel insurance. There are many cheap international insurance plans also known as visitor insurance plans. Click here to read more

Coinsurance & Deductible - How a Plan Works? Click here to read more

Schegen visa travel insurance for UK citizens

Other popular destinations among uk travelers, more tourist medical insurance usa categories.

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International Medical Insurance

Cruises Travel Insurance

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