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Non-UK Resident Travel Insurance

Our Travel Insurance for Non-UK Residents is designed for people who do not live in the UK but reside in EU or EEA countries.

Plan Options

International Travel Insurance for Non-UK Residents

Whether you want to be covered for an annual multi-trip, a single trip or even for a winter sports trip, our travel insurance will cover you even if you’re not a resident of the UK for up to $/€1,000,000 for emergency and accidental medical treatment whilst you’re abroad.

Expatriate Group’s Non-UK Residents travel insurance provides excellent cover for journeys to areas within Europe and Worldwide and if you want to ensure that you’re completely protected we provide additional enhanced benefit options that you can add to your package.

Travel Insurance Non-UK Resident

Whether you want to explore the stunning lakes of Italy or you want to venture further afield and discover the ancient ruins in Mexico we cover you almost wherever in the world you want to go and adapt policies depending on the length of your trip, destination and party details. It’s important that you are happy with your level of medical insurance, so you can sit back, relax and enjoy your holiday worry-free.

Policy Benefits

Key Benefits of our Non-UK Resident Travel Insurance

We understand that every traveller has different budgets and varying priorities and with that in mind, we offer a core international non-UK resident insurance policy, additional policy options and destination tailoring so that you can adapt cover and premiums to provide you with exactly the right travel insurance solution for your needs.

Emergency Medical Evacuation

Our basic travel insurance includes medical evacuation cover for travellers to protect you from the high costs when overseas. This includes 100% cover should an air ambulance, hospitalisation, surgery, repatriation for medical treatment and the other benefits listed in the schedule below be required.

Emergency & Accidental Medical Treatment

This is the core policy option, which provides the important medical cover against the high cost of medical treatment overseas. The Basic plan benefits also provide you with 24-hour access to trained nurses to ensure that medical advice is only ever a phone call away.

Enhanced Benefits & Protection

When travelling there can be some unavoidable issues. If you want to ensure that you’re covered should your baggage be delayed or lost, and if you miss your departure or lose your passport, then we offer a level of protection that further protects you against these losses.

Cancellation & Curtailment Cover

Adding to the benefits of the Standard level of cover, cancellation and curtailment covers you in the event that your trip is unexpectedly cancelled, or you are forced to return home early. This covers both medical reasons, extending to loved ones, as well as evacuation for non-medical reasons.

Non-UK Residents

The Benefit Schedule

The benefit schedule below is applicable to Expatriate Group’s Non-UK Resident Travel Insurance. It 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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Non-UK Resident Insurance FAQs

Where can you get travel insurance for a non-uk resident.

You can get it right here. At Expatriate Group we will cover you for emergency medical treatment and more even if you’re not a resident in the UK. We also offer a cashless health insurance solution.

Get an Non-UK resident Travel Insurance quote today.

Can I extend my cover whilst abroad?

Yes, if you’ve purchased a single trip or annual multi-trip policy an extension of no more than 30 days may be granted per policy. We do not offer extensions on one-way trip policies. If you need protection for a longer period of time, consider our International Health Insurance . Alternatively, take a look at the other Expat Insurance products we offer.

Get an Non-UK resident Travel Insurance quote online now.

Is there a timeline to submit a claim?

Yes, all claims must be submitted within 90 days from the date of the incident otherwise they will be denied.

What is not covered by non-UK travel insurance?

Our travel insurance will not cover you if you try to make a claim resulting from an extreme sporting activity that isn’t covered by the policy. If you’re going skiing, we advise you purchase our Winter Sports package to ensure that all your equipment is protected.

Get an Non-UK resident Travel Insurance quote online easily.

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

World First Travel Insurance have teamed up with, Battleface, Voyager Insurance and IMG Europe to offer an extensive range of International and expatriate travel, health and medical insurance - providing quality cover to individuals, families and groups of any nationality living, travelling or working virtually anywhere in the world. The available 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, these products are here to help you when you need it most, 24 hours a day, seven days a week, 365 days a year.

Battleface help travellers by arranging robust travel insurance plans that make it possible to travel to conventional tourist destinations as well as the unconventional including those with travel bans in place. Their transparent policies even include cover for baggage, trip cancellation and emergency medical evacuation plus access to 24/7 emergency assistance. It takes just a few moments to get a quote.

Voyager Plus Travel Insurance

For Customer Services call Voyager on 01483 806 680

Designed to meet the needs of UK and Certain EEA Residents (Belgium, Cyprus, France, Germany, Greece, Italy, Malta, The Netherlands, Poland, Portugal, Republic of Ireland and Spain) looking for travel insurance while travelling outside of their home country (including those who have already travelled).

Travel Insurance for High Risk Countries

Flexible travel insurance for UK residents travelling to high risk countries and areas where the FCDO have advised against 'all travel' or 'all but essential travel' such as war zones, crisis zones and disaster relief zones.

IMG Insurance for residents outside of the European Economic Area

We also offer policies to individuals, families and groups of any nationality living, travelling or working virtually anywhere in the world through our partnership with IMG. These policies allow our customers to travel between countries, operate from multiple locations, and even seek treatment in countries outside their place of residence.

IMG have service centres in Europe and the US and offer 24 hours a day, 7 days a week, 365 days a year assistance anywhere in the world. They were founded in 2002 and are FCA regulated and approved.

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Voyager Plus Travel Insurance

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

Short Stay Travel Insurance

• Annual Multi-Trip Travel Insurance

Long Stay Travel Insurance

Family travel insurance.

• Already Departed Travel Insurance

Motorcycle Tour Travel Insurance

Non-uk residents travel insurance, uk expatriate travel insurance.

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Voyager Plus Holiday & Travel Insurance

Great Travel Insurance Products From Voyager

Now with GP on Demand included – a service that provides you with 24/7 remote access to NHS practicing GP’s whilst you’re on your travels. It’s like taking a doctor on holiday with you!

If you are going on holiday, Travel Insurance can give you financial peace of mind should something unexpected happen. Available For UK and EEA *  residents.

Voyager Plus Travel Insurance offers a range of different policies depending on the type of holiday you are taking, such as Short Stay cover, Annual Multi-Trip Insurance and Long Stay policies (Standard, Enhanced and Prime levels of cover only) for those people going abroad for several months.

Cover is available for Cancellation and Curtailment including Cancellation cover as a result of COVID-19, Emergency Medical Expenses including additional travel and accommodation expenses in respect of COVID-19, Baggage, Travel Delay, Missed Departure, Personal Accident and much more.

Although Voyager Plus Travel Insurance covers a range of medical conditions, sometimes we will be unable to provide cover for certain medical conditions. If you have a pre-existing medical condition that cannot be covered on Voyager Plus Travel Insurance, we have a product designed specifically to help you find the appropriate cover - Able2Travel Travel Insurance for Pre-existing Medical Conditions . 

Each of our policies gives you fantastic levels of cover at an affordable price . Compare travel insurance levels of cover in the summary table* below to help you decide what level of cover is best for your holiday requirements.

*Full levels of cover for Voyager Plus Travel Insurance can be found in the Policy Wording .

• Great value - 2 weeks cover from £18.94
• Kids go free - Great value for families
• No maximum age - Cover to suit all
• Maximum duration - 62 days (31 if aged 75+)

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

Annual Multi Trip Travel Insurance

• Unlimited number of trips - Within a year
• Family cover - Cover for dependants under 18
• Maximum age - 74 (at start of policy)
• Maximum duration - 45 Days (31 days if aged 70-74)
• Ideal for backpackers, Gap years and other long term trips
• Trip duration - Between 2 - 18 months
• Flexible - Up to 2 weeks break for visits home
• Maximum age - 59 (at departure date)

Voyager Plus Family Travel Insurance is there to financially protect you and your family during your family holiday. Plus, no extra costs to add children under 20 years old on all family policies.

Policy Options include: Gadget Insurance Option, Action Activities Cover, Winter Sports Cover, Cruise Travel Insurance Option... see all

Voyager Plus Already Departed Cover

Voyager Plus Already Departed Travel Insurance is there to protect you should you wish to take out Travel Insurance after you have left for your trip.

Voyager Plus Travel Insurance is able to cover the travel elements of your upcoming Motorcycle Tour. See whether we can offer a policy that's right for you today!

Voyager Plus Travel Insurance is available for Non-UK residents so long as you live in one of our eligible countries. Click to see if we can offer a policy that's right for you today!

UK Expats can still get Travel Insurance with Voyager Plus. See if we can offer a policy that's right for you today!

Voyager Plus Travel Insurance Policy Options

We've got lots of options, so here they are....

Gadget Insurance Option

Action activities cover, winter sports cover, cruise travel insurance option, sports equipment and cycle insurance cover, golf travel insurance, business travel insurance – business plus option, enhanced travel or terrorism disruption cover.

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!

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.

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.

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.

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.

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.

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.

What is the Best Travel Insurance?

There is no such thing as a ‘one size fits all’ Travel Insurance policy. The best Travel Insurance is different for every individual’s holiday requirements and some times the cheapest Travel Insurance is not always going to be suitable for your needs. You should always read the policy wording before buying your Travel Insurance to make sure that it meets your unique requirements.

Voyager Plus Travel Insurance has 4 levels of cover and a number of additional options making it a flexible Travel Insurance product that meets a wide range of budgets and requirements.

What Else Does Travel Insurance Cover?

If you are not booking your holidays through a tour operator, then you may like to consider the Enhanced Travel and Terrorism Disruption extension. This provides additional cover, giving you added protection that would be provided by a tour operator in the event of a situation such as volcanic ash closing airspace leaving you abroad and having to pay for additional accommodation while you are waiting to get home.

If you are going skiing or snowboarding, you can add Winter Sports cover to your Single Trip (max. 31 days trip duration), Long Stay (max. 31 consecutive days), or Annual Multi-Trip policy (up to a total max. 21 days). 

Voyager Plus Travel Insurance can cover a wide range of sports and activities, some, however, may require an additional premium in order to be covered by your Travel Insurance policy.

For more details on optional policy add-ons see the policy options further up on this page or read our FAQs here .

Full policy definitions, terms, conditions and exclusions for Voyager Plus Travel Insurance can be found in the Policy Wording .

*We can provide Voyager Plus travel insurance for residents of the following EEA countries: Belgium, Cyprus, France, Germany, Italy, Malta, The Netherlands, Poland, Portugal, Republic of Ireland and Spain.

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. 

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Travel Insurance for Non UK Residents

Travel insurance: simple & flexible You can buy and claim online , even after you've left home. Travel insurance from WorldNomads.com is available to people from over 130 countries. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities .

7 things you should know about travel insurance from WorldNomads.com

Trusted reliable underwriters WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.

Value for money with the cover you need WorldNomads.com provides cover for what's important for travellers from over 130 countries. By focusing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.

Flexibility when you need it most Had a change of plans? You can buy more cover or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.

Cover for a range of adventure activities From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities , giving you peace of mind to get the most from your travels.

World Nomads keeps you travelling safely All WorldNomads.com members have access to up-to-date travel safety alerts, as well as travel safety advice and tips online through the World Nomads Travel Safety Hub .

More than just great value travel insurance All WorldNomads.com members can learn the local lingo through a series of iPod & iPhone Language Guides and can stay in touch with family and friends with an online travel journal .

Commitment to exceptional customer service We want to make sure you get the most from WorldNomads.com. You can find out more about why travel insurance is important for your trip. If you have any questions about your travel insurance or travel safety in general, please contact WorldNomads.com directly.

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

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Travel Insurance for Non UK Residents

Direct-Travel have teamed up with Voyager and Uniglobal to offer an a range of international and expatriate travel insurance options. All our expat and international travel insurance products are backed by the twenty four, seven medical emergency assistance helpline and offer flexible cover levels to help meet your needs.

EEA Residents

We have insurance for European residents including the below

• 3 levels of cover
• Medical cover upto £10,000,000
• Cancellation up to £10,000
• Holiday financial protection

And much, much more

Global Residents

For global residents our insurance has a few extra niceties

• Short term medical coverage
• Six levels of excess
• Freedom to seek treatment with a hospital of your choice
• Available to purchase after departure

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Travel Insurance for Non UK Residents

• Available for all EU and EEA residents
• Best value for money
• 24/7 medical emergency helpline - we’re there if you need us
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What is Travel Insurance for Non UK Residents?

Travel Insurance for Non UK Residents is designed for people who do not live in UK, but reside in EU or EEA countries and available for trips with repatriation to home country. Any kind of our travel insurance policies is available for non UK residents: Annual Multi Trip, Single Trip, Comprehensive travel insurance, Backpacker policies, Winter Sports, Age 66+.

The cheapest non UK residents policy is £ (based on 1 adult aged up to 50 travelling in Europe for up to 5 days).

Non UK Residents Travel Insurance Benefits

• 24/7 Medical Emergency Assistance service
• Many Pre-Existing Medical Conditions that are covered free of charge
• Cover for Trekking to altitudes of up to 3500 meters for free
• We will adapt policies to the length of your trip, the destination and party details that you select
• You can save time by booking our policies immediately online
• We take care of every customer, so we help you to find the most appropriate policy for all your needs

Attention! The European Health Insurance Card (EHIC) / Global Health Insurance Card (GHIC) provides some emergency healthcare within the EU, but it does not cover Repatriation costs, or a doctor or nurse escort home; nor lost or stolen property. You need Travel Insurance for that.

Globelink provide excellent covers for journeys to different areas such as Europe, Worldwide (All Countries) and Worldwide (Excluding USA, Canada, Caribbean, Mexico, Costa Rica, and Japan).

We offer additional covers for Travel Insurance for Non UK Residents policy. You have an opportunity to get extra covers for your Higher cost Baggage and Personal Items (Cover for Valuables), for Golf Equipment and for Golf Pack (Golfer's Cover), for a lot of Hazardous Activities and Sports (Adventure Activities) and much more.

One policy for all your needs. Travel safely with Globelink!

If you know what you want, you can get our Travel Insurance for Non UK Residents policy in just a couple of minutes: Enter your trip details; choose a policy option from the range available, checking the benefits carefully to ensure they suit your needs; add any extra cover you may require; fill in the personal details for your purchase; check through everything to ensure its correct; then purchase your policy. Enjoy your trip knowing that our Non UK residents travel insurance has got you covered!

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

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.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Baggage - up to £3,000 in total

Backpacker Travel Insurance

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

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total

See also: expat travel insurance , gap year travel insurance , international travel insurance , student travel insurance , cruise travel insurance , annual travel insurance to Europe , best travel insurance , best value travel insurance , budget travel insurance , business travel insurance , camping insurance , cheap European travel insurance , cheap holiday insurance for over 65 , cheap travel insurance couples travel insurance , Easter travel insurance , essential travel insurance , extended travel insurance , extreme sports insurance , family travel insurance , fcdo travel advice , global travel insurance , group travel insurance , holiday travel insurance , last minute travel insurance , long stay travel insurance , long term travel insurance , one way travel insurance , worldwide travel insurance , yearly travel insurance , quick quote travel insurance , travel insurance for children , travel insurance for Europe , travel insurance for working abroad , travel insurance to America , travel insurance for UK residents

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Travel Insurance

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

Policy wording for policies issued to uk residents (living in the uk only) from 1st october 2023 to 28th november ., policy wording for policies issued to uk residents (living in the uk only) from 1st june 2022 to 30th september 2023 ., policy wording for policies issued to uk residents (living in the uk only) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to uk residents (living in the uk only) from 30th dec 2020 to 31st january 2022, policy wording for policies issued to uk residents (living in the uk only) from 29th oct - 29th dec 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st oct - 28th oct 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st feb – 10th august 2020.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

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Foreign travel insurance

If you’re travelling abroad, it's important to take out appropriate travel insurance before you go.

If you travel internationally you should buy appropriate travel insurance before you go. If you already have a travel insurance policy, check what cover it provides for coronavirus-related events, including medical treatment and travel disruption, and any planned activities such as adventure sports. If you are choosing a new policy, make sure you check how it covers these issues.

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.

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.

The Association of British Insurers (ABI) represents over 200 insurance companies. Read ABI’s advice on travel insurance , including how COVID-19 can affect it, and their guide on choosing the right travel insurance policy .

In addition to making sure you have appropriate insurance, you should check and sign up to travel advice for your destination.

What to consider when you buy travel insurance for you and your family

• emergency treatment and hospital bills can be expensive. Check whether your policy covers treatment in public or private hospitals
• emergency transport, such as an ambulance, is often charged separately to other medical expenses, and emergency travel home on medical grounds can also be expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if anyone gets ill 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 for some activities). Also consider all the places you intend to visit, even if you are in transit, in case anyone needs emergency treatment in another country
• cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment. Check the booking conditions of the operator you plan to sail with
• 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
• 24-hour assistance helplines to offer support and advice about appropriate treatment
• COVID 19 cover for if you or family members cannot return home because you/they test positive for COVID during your travel. Check your insurance covers additional costs such as alternative flights, accommodation and COVID tests. You should also check your insurance provides cover if you cannot reach your final destination during transit due to COVID-19
• within Europe, some insurers may waive any excess on medical treatment if you use a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC). Check the terms of your policy or contact your insurer to see if this is the case. EHIC and GHIC allow you to access state-provided medically necessary healthcare within the EU and Switzerland on the same terms as residents of these countries. Note that 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. Find out more about the EHIC and GHIC, including how to apply for one free of charge
• ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA) . Some insurance policies do not provide cover for when airlines or suppliers go out of business. Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover

Policy exclusions

Check how 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: some policies may exclude cover for treatment related to a pre-existing mental health condition. For more guidance see foreign travel advice for people with mental health issues
• age restrictions: check whether there are any age-related restrictions if you are buying an annual policy. The Money Advice Service provides guidance on how to choose the right level of cover, get the best deal, and make a travel insurance claim. It also has specific 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 of quad bikes and hire of mopeds is also usually not covered
• driving overseas: check Driving abroad . If you’re hiring a car, check what cover the hire company provides. If you are driving your own vehicle, check your motor insurance policy to see what it covers
• terrorist acts: most policies offer only limited cover for terrorist acts. As a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in a terrorist attack. Some travel insurers 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 decide you no longer wish to travel
• other incidents: some policies only offer limited cover for claims related to or caused by a natural disaster (such as an earthquake or tropical cyclone) or civil unrest. You may also not be covered for some claims that arise from an incident (such as strikes or other industrial action) that was 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. Local law may require you to have medical insurance, including as part of a visa application.

Read the healthcare guidance in the Living in guide 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. You can also buy insurance from local providers overseas. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in 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.

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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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

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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.

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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.

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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.

Non-UK Resident or Already Travelled

Our standard travel insurance products are designed to cover people who are resident in the UK and still in the UK when they purchase the policy.  If you are not resident in the UK or have already departed on your trip please choose one of the options below.

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Travel insurance for residents of the European Union or European Economic Area and UK residents who have already departed the UK to travel to an EU or EEA country.

Please note: Travel insurance for non-UK residents and UK residents who have already departed the UK is arranged and administered by Voyager Insurance Services Ltd.

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Travel insurance for residents of countries which are not within the European Union or European Economic Area and UK residents who have already departed the UK to travel outside of the EU/EEA.

Please note:  Travel insurance for worldwide residents is provided by battleface.  

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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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I have a Pacemaker. Can I still get Travel Insurance?

Able2Travel Travel Insurance explains travel insurance cover for people with Pacemakers.

Travelling post-brexit

Able2Travel Travel Insurance present 5 handy hints on what to expect when travelling post-Brexit.

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Non UK Resident Travel Insurance for EEA residents and those who have already travelled

Able2Travel Travel Insurance is only available to you if you are a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas and if you have not yet departed on your trip. This means you need to be a resident of England, Wales, Scotland, Northern Island, the Isle of Man or the Channel Islands or British Forces Posted Overseas. Please see the Able2Travel policy wording for more details.

However, if you have already departed on your trip or you live in one of the following EEA countries; France, Italy, Spain, Greece, Germany, Malta, Netherlands, Portugal or the Republic of Ireland, then we can still offer you an alternative, great value Travel Insurance arranged by Voyager Insurance Services, who can provide Travel Insurance for EEA residents of the countries mentioned above.

Our EU and EEA resident Travel Insurance can provide ideal cover for you if:

• You are a resident of the EEA (as defined) and require Travel Insurance before you depart
• You are a resident of the UK or EEA (as defined), have already departed on your travels and are yet to purchase Travel Insurance (this includes UK residents)

GET A QUOTE & FIND OUT MORE

EU Resident Travel Insurance Benefits Summary As Standard:

Voyager Plus also offers  other great benefits such as:

• Kids “Go Free” on family Single Trip policies
• Over 100+ Sporting Activities covered free, with options available to add cover for many more
• Simplified approach to medical screening with online screening available
• Includes holiday financial protection, including scheduled airline failure and timeshare cover as standard
• A range of Optional Extra covers available, such as Cruise Plus and Gadget Cover Option, to customise your policy to meet your needs (these are listed below).

Optional Add-On Covers Available For EU Resident Travel Insurance

• Enhanced Travel Disruption Option – Extra cover for those travelling independently of a tour operator.
• Cruise Plus Insurance Option – Cruises are covered as standard, but this option provides additional cover for cruise-specific exposures such as Missed Port Cover.
• Business Plus Insurance – Business travel is covered as standard, but this option extends existing cover for business-specific exposures such as business equipment or replacement staff
• Cruise Insurance – Extend the duration of your cover in your destination if you are taking a one way trip
• Double Your Excesses Option – Reduce the overall policy cost, by doubling your excesses
• Enhanced Travel or Terrorism Disruption - Extend your standard policy to include cover against Cancellation, Travel Delay, Abandonment, and more for acts of Terrorism.
• Excess Waiver Option - You have the option to remove your Excess altogether.
• Golf Insurance Option – Extend your insurance to cover certain golfing essentials.
• One Way Extended Trip Cover - Extend cover in your final destination from 48 hours to 31 days.
• Wintersports - Protect your ski equipment (hired or owned) and get cover for ski passes and more with our Wintersports cover option.

Please Note : Our Gadget Insurance Option is available to UK Residents, including the Channel Islands and Isle of Man, ONLY  

How can I apply for Non-UK Resident Travel Insurance with Voyager Insurance Services?

If you are a resident in any of the following countries, then we can provide Travel Insurance for you:

Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland and Spain

Please note : ‘Resident’ is defined in the Voyager Travel Insurance policy wording as meaning ‘ a person who permanently resides in an eligible UK country or eligible EEA country and is registered with a medical practitioner in their home country.’.

Important Information for Customers with Serious Medical Conditions

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. 

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Already left the UK or non-UK Resident

If you have already left the UK or are a non-UK resident, we are not able to provide cover for you on our standard travel insurance policies, please choose one of the options below:

UK Resident: Already Left the UK

Total Travel Protection can offer travel insurance cover to UK residents who have already left the UK:

• No upper age limits
• Cover for pre-existing medical conditions
• Medical & repatriation up to £10 million
• 24-hour emergency medical support

To be eligible for this cover you must have

• Left the UK no more than 14 days ago
• Be returning to the UK within 31 days from the date you purchase cover

Call us now to get covered on 0330 053 3747

To obtain travel insurance cover if you have already left the UK please call us on 0330 053 3747 , we are open Sales:Monday to Friday 9am - 7pm.Saturday and Sunday 9am - 5.30pm.Customer service:Monday to Friday 9am - 5pm..

If you need to obtain cover outside of these hours or wish to buy online, our partner battleface may be able to help. Please visit their website for a quotation:

https://www.battleface.com/?pa...

Non-UK Resident

Travel insurance from Total Travel Protection is designed to cover people who are resident in UK.

You must have resided within the United Kingdom for no less than 6 months, and have not spent more than 6 months abroad in the year prior to purchasing the policy, have a permanent United Kingdom address and be registered with a United Kingdom General Practitioner.

If you are not resident in the UK our partner battleface may be able to offer you travel insurance cover. Please visit their website for a quotation:

Please note: Travel insurance for non-UK residents is arranged and administered by battleface.

battleface insurance is provided in the UK by battleface Insurance Services Limited, a UK insurance intermediary authorised and regulated by the Financial Conduct Authority. Details provided on this webpage are for information only. Terms, conditions, exclusions, and limitations apply. Always read the description of cover contained within your policy to ensure it is suitable for your needs.

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8 Cheapest Travel Insurance Companies Worth the Cost

Trawick International »

World Nomads Travel Insurance »

AXA Assistance USA »

Generali Global Assistance »

Seven Corners »

Allianz Travel Insurance »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Cheapest Travel Insurance Companies.

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• Trawick International
• World Nomads Travel Insurance
• AXA Assistance USA

There are plenty of smart ways to save money on your travel plans, but refusing to buy travel insurance isn't necessarily one of them. Not having travel insurance can mean being on the hook for exorbitant medical bills or costs for emergency transportation if you become sick or injured during your trip. You could also face significant financial losses if your trip is delayed or your bags are lost or stolen, and without travel insurance you won't have a third party to rely on for assistance.

Buying affordable travel insurance makes more sense than skipping this coverage altogether, so read on to find out which companies offer the cheapest plans and all the protections you can get for a low cost.

How We Chose the Cheapest Travel Insurance Companies

To determine the cheapest travel insurance companies, U.S. News created sample traveler profiles for three separate eight-day trips to different destinations (the Cayman Islands, Spain and California) at a range of price points ($6,500, $10,500 and $8,500, respectively). We used that information to get quotes for the cheapest option for 100% trip cancellation coverage for each trip. We then calculated the average cost of the trips.

The travel insurance companies that made our ranking have a high credit rating and offer the lowest average cost, outlined below. (Note: The sample average costs are not price quotes from U.S. News. To find a travel insurance price quote, use the "View plans" link to enter your trip details and find more information.)

• Generali Global Assistance
• Seven Corners
• Allianz Travel Insurance
• IMG Travel Insurance
• Trip cancellation coverage (up to $30,000) for 100% of the insured vacation
• Trip interruption coverage (up to $30,000) for 100% of the insured vacation
• Trip delay coverage worth up to $1,000 ($150 per day for delays of 12 hours or more)
• $750 in coverage for lost and damaged luggage; $200 for baggage delays
• Up to $500 in coverage for missed connections of three hours or more
• Up to $50,000 in emergency medical coverage ($750 sublimit for emergency dental)
• Up to $200,000 in coverage for emergency medical evacuation
• Up to $2,500 of trip protection for cancellation or interruption
• Up to $1,000 in coverage of lost, stolen or damaged baggage; up to $750 for baggage delays on your outward journey
• Up to $100,000 in emergency medical insurance; $750 dental sublimit
• Up to $300,000 in coverage for emergency medical evacuation
• 24-hour travel assistance services

SEE FULL REVIEW »

• Up to 100% coverage for trip cancellation and interruption
• Up to $500 in coverage for trip delays ($100 per day)
• Up to $500 in coverage for missed connections
• Up to $25,000 in coverage for emergency medical expenses
• Up to $100,000 in coverage for emergency medical evacuation
• Up to $750 in coverage for baggage and personal effects; $200 for baggage delays
• Up to $10,000 in coverage for accidental death and dismemberment (AD&D)
• Up to $25,000 in coverage for common carrier AD&D
• Coverage up to 100% of the insured vacation for trip cancellation
• Up to 125% of the insured vacation cost for trip interruption
• Travel delay coverage worth up to $1,000 per person ($150 per person daily limit)
• Up to $1,000 per person for lost, damaged or stolen bags; $200 per person for baggage delays
• Up to $500 per person for missed connections
• Up to $50,000 in emergency medical and dental coverage
• Up to $250,000 in coverage for emergency assistance and transportation
• AD&D coverage for air travel worth up to $50,000 per person ($100,000 per plan)
• Trip cancellation coverage up to $30,000
• Trip interruption coverage up to 100% of the cost of the trip
• Trip delay coverage worth up to $600 (for six-hour delays; $200 limit per person per day)
• Lost, stolen or damaged baggage coverage up to $500
• Baggage delay coverage worth up to $500 (for six-hour delays; $100 per day)
• Missed cruise or tour coverage worth up to $500 ($250 per day)
• Emergency accident and sickness medical coverage worth up to $100,000 (secondary coverage)
• Up to $750 in emergency dental coverage
• Up to $250,000 in protection for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to $10,000 per traveler
• Trip interruption coverage worth up to $10,000 per traveler
• Travel delay coverage worth up to $300 ($150 per day)
• Luggage loss and damage protection up to $500 per traveler
• Baggage delay coverage worth up to $200 per day
• Emergency medical and dental coverage up to $10,000 ($500 for dental expenses)
• Emergency medical transportation coverage worth up to $50,000
• 24-hour hotline assistance
• Up to 100% in coverage for trip cancellation
• Trip interruption benefit worth up to 125% of the trip cost
• Up to $500 for travel delays per person ($125 daily maximum per person)
• Up to $750 for lost, damaged or stolen bags ($250 maximum per item)
• Up to $150 in luggage delay coverage
• Up to $100,000 in emergency medical coverage
• Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
• Trip cancellation coverage worth up to 100% of trip cost (up to $10,000)
• Trip interruption coverage up to 100% of trip cost
• Up to $500 in coverage for travel delays (five-hour delay required; $100 daily limit)
• Coverage worth up to $1,000 for lost, damaged or stolen baggage ($250 per item)
• Coverage worth up to $200 for baggage delays of 12 hours or more
• Up to $250 in coverage for airline reissue or cancellation fees
• Up to $250 in coverage for reinstatement of frequent traveler awards
• Emergency medical and illness coverage worth up to $10,000
• Up to $500 in coverage for emergency dental expenses
• Up to $250,000 in coverage for emergency medical evacuation and repatriation of remains
• AD&D coverage worth up to $10,000
• Travel assistance services

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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