do i need travel insurance uk

United Kingdom Travel Insurance

What should your travel insurance cover for a trip to the united kingdom, how does travel insurance work in the uk, do i need travel insurance for the united kingdom, how much does travel insurance cost for the united kingdom, our suggested axa travel protection plan , traveling with pre-existing medical conditions , does the uk have any covid-19 restrictions for u.s. visitors, do you need car insurance to drive in the uk, are there any other requirements for traveling to the uk.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for the United Kingdom.

Picture this: You've planned a scenic road trip through the Scottish Highlands, a land of misty glens and ancient castles. You stumble upon the enchanting Fairy Pools on the Isle of Skye. Imagine, a misstep on the slippery terrain, and suddenly you've got a sprained ankle, not the souvenir you had in mind. With AXA Travel Protection, you receive access to our 24/7 emergency hotline.  Speak to a licensed multilingual travel assistance agent, they can help assist and direct emergency transportation if necessary to your location. With an AXA Travel Protection plan, we are here to assist and support you whenever and wherever you may be. Here’s the entire list of benefits travelers can have access to with an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Americans aren't required to purchase domestic or international travel insurance to visit the United Kingdom. But it’s still highly recommended that you have a travel insurance plan before embarking on your next trip. 

Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

In general, travel insurance to the United Kingdom costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the United Kingdom experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring the United Kingdom's stunning landscapes in a rental car. 

Additionally, part of the Platinum Plan is the " Lost Skier Days " benefit, offering potential reimbursement if ski resorts unexpectedly close due to ever-changing snow conditions. These perks make the Platinum Plan an excellent option for anyone seeking comprehensive protection during their exciting United Kingdom adventures. 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

American visitors can breathe a sigh of relief that the UK no longer has any COVID-19 restrictions for visitors coming from the United States. You do not need to fret over getting a COVID test or submit proof of vaccination upon arrival in the UK. 

It’s illegal to drive in the UK without vehicle insurance. This also applies to those driving on an international license, even if it’s only for a brief period. If you are renting a car, however, we strongly recommend you purchase rental car insurance. AXA Travel Protection can help you with that by offering Rental Car Insurance (Collision Damage Waiver.)  This coverage provides extra coverage for your rental car against damage and theft.

American citizens are considered non-visa nationals in the UK. Therefore, they neither require a visa (for short-term travel) nor need to fulfill any other conditions to visit and travel across the UK.

UK Travel Insurance FAQs

1. can you buy travel insurance after booking a flight.

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) 

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

2. Do Americans need travel insurance for the UK?

UK law doesn’t require U.S. citizens visiting the UK for a short time (up to six months) to carry travel insurance. However, carrying international travel insurance for the United Kingdom for unforeseen events is a good idea.

3. What is needed to visit the United Kingdom from the USA?

U.S. citizens only need a passport and a ticket to travel to the UK. The passport must have at least one empty page and validity for the duration of your trip.

4. What happens if a tourist gets sick in the United Kingdom?

The UK has a National Health System (NHS) that provides medical care nationwide.  If a tourist gets sick in the UK, they can get medical care from an NHS center.  However, it’s important to note that while the NHS services are free for the locals, tourists are charged about 150 percent of the cost of their treatment.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Travel insurance

This advice applies to England. See advice for See advice for Northern Ireland , See advice for Scotland , See advice for Wales

Travel insurance can give you extra protection if your holiday doesn't go as planned. So you should make sure you have cover if you're planning a trip away.

It's particularly important to take out travel insurance if you are travelling independently because you may find yourself stranded with no way to get home and no-one to help sort out your holiday problem.

Read this page for more information on what you need to think about before you take out a travel insurance policy.

travel insurance is essential, particularly if you are travelling independently

choose a policy that covers your needs

compare policies on the cover they offer as well as the cost

check if you have other insurance that will cover you away from home

Why take out travel insurance?

Travel insurance can protect you against the following things going wrong:

cancelling or cutting short your trip for reasons beyond your control

missed transport or delayed departure for reasons beyond your control

medical and other emergencies

personal injury and death

lost, stolen or damaged items, including baggage, passports and money

accidental damage or injury caused by you.

If you don't have travel insurance you will have to pay out of your own pocket to deal with a problem while you're away. Or you may lose money if you have to cancel a trip and can't get your money back. This could cost you thousands of pounds.

Older travellers

If an insurer or broker can’t offer you insurance because of your age, most of them will refer you to an alternative insurer or give details of a signposting service such as the British Insurance Brokers’ Association’s (BIBA’s) ‘Find a Broker’ service. You can use this service to find specialist insurers who can offer specific types of cover based on factors such as age and medical condition.

You can find the BIBA’s ‘Find a Broker’ service by phoning their helpline on 0870 950 1790 or by going to their website at www.biba.org.uk .

Where can you buy travel insurance?

Travel insurance is widely available. You can buy it from:

insurance companies

retailers and supermarkets

travel agents

online comparison websites

holiday companies.

Sometimes, travel insurance might be included as an extra service offered through your bank account or credit card. You should check how much you're paying for this and what kind of cover it offers. For example, cover may be limited for your spouse or partner. It might be better to buy a stand alone policy.

Your travel agent may offer you travel insurance as part of a package holiday. You can opt for this if you want to  but you don't have to buy this insurance. The travel agent is breaking the law if they try to make you take it out or charge you more for your holiday because you refuse to accept it. If this happens, you should get advice.

Before you buy holiday insurance

It's important to get the right type of cover for your needs. Think about:

where you're travelling to. For example, if you're travelling to the United States you will need extra medical cover

how old you are. Travel insurance can cost more if you're over 65. There are special policies for older travellers which may be worth looking at

how often you travel. If you go away several times a year, it may be better to buy an annual travel policy rather than several single-trip policies

what you'll be doing while you're away. You may need extra cover if you're taking part in dangerous sports, such as skiing or scuba diving

whether you're travelling independently or on a package holiday. Package holidays usually offer you greater protection if things go wrong with transport or accommodation so you may not need to make a claim on your travel insurance

how you're travelling. Cruises and budget airline flights may not be covered by some insurance policies.

What cover should travel insurance include?

Your travel insurance should always include the following cover:

medical expenses and cover for getting you home if you're injured or fall ill abroad

personal injury and cover for accidents or damage caused by you

cover for lost or damaged items

cover for lost or delayed baggage

cover for cancellation or missed departure.

How much you pay for your insurance depends on the amount of cover you're likely to need. You should never under-insure yourself just to save money. However, you may be able to keep costs down.

The European Health Insurance Card (EHIC)

If you're a UK resident and have a European Health Insurance Card (EHIC), you can still use it to get healthcare in EU countries until it expires.

If you don't have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. You can use a GHIC to get healthcare in EU countries at a reduced cost or sometimes for free. You should still get travel insurance before your trip - even if you have an EHIC or GHIC.

Home contents insurance

Check if your household contents insurance policy covers you for items you take away from home. If it does, you could choose a larger excess on your travel insurance policy. The excess is the amount that your insurer won't pay out for the claim and is typically between £50 and £100. If you choose a higher excess, your travel insurance may cost less.

More about household contents insurance

Choosing the right insurer

The cheapest policy may not offer best value for money, so it's important to check what the policy includes as well as how much it costs.

You can check what different policies offer and how much they cost by using an online comparison website. However, comparison websites usually only offer general cover. If you have particular needs, it may be better to find an insurer that offers specialist cover.

Making a claim on your travel insurance policy

Problems with making a claim on your travel insurance policy

If you need more help

Other useful information

Getting medical treatment while travelling in Europe  www.gov.uk

Information on travel insurance if you have a pre-existing medical condition or disability at www.moneyhelper.org.uk

Information on travel insurance for people with pre-existing medical conditions from Tourismforall at www.tourismforall.org.uk

Getting travel insurance if you have cancer from Macmillan Cancer Support at www.macmillan.org.uk

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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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Visitors to the United Kingdom

Uk travel insurance and safety tips for visitors.

The weather is another consideration. Unless your travel is confined strictly to the summer months, plan on encountering low temperatures, and even if you are traveling in the summer, you shouldn’t count on it being warm and sunny. In Edinburgh, the average daily July temperature doesn’t break 15°C (60°F), and at night the July average drops to 11°C (52°F), hardly tank tops and shorts weather.

From the mysterious magic of Stonehenge to the sparkle of the crown jewels, the United Kingdom offers something for everyone. Totaling less than 100,000 square miles, and with London just a three-hour train ride from Paris, the UK offers a wide variety of cultures, experiences, and even languages within its borders, encompassing Wales, Scotland, Northern Ireland, and England . Be assured speaking English will undoubtedly suffice for travelers and those visiting the UK.

However short your visit is, you should count on having rain and damp weather. Having good rain gear in your luggage ensures you have the most enjoyable stay. Of course, we suggest tourists also have a good UK travel insurance plan before departure. What else should you know to make sure that your stay in the UK is healthy and safe so you can fully enjoy your time there? Let’s take a closer look.

Best Travel Insurance for Visitors to the United Kingdom

For tourists and visitors to the UK who are looking for a travel insurance plan, including coverage for trip interruption, evacuation, and repatriation benefits, consider the Atlas Travel Medical Plan , offering high-quality coverage at an affordable price, or the Patriot Travel Insurance  plan.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

Best Travel Insurance for US Citizens Visiting UK

For US citizens traveling to the UK, we recommend the GeoBlue Travel Insurance plan while visiting the United Kingdom. GeoBlue offers great service with a premium network of hospitals and doctors worldwide. If you have a US health insurance plan, some pre-existing conditions will be covered in the UK or any country you travel to.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Embassy Phone Numbers in the UK

• United States: +44 20 7499 9000
• Canada: +44 20 7004 6000
• Australia: +44 20 7379 4334
• New Zealand: +44 20 7930 8422

All embassies are located in London, but larger cities such as Belfast and Edinburgh are likely to host a consulate which can be a valuable resource if you are located closer to one of these cities.

Essential Safety Tips for Visitors to the UK

The United Kingdom has a reputation as a safe place for travelers. However, usual precautions should be taken, especially when traveling and living in large cities where thefts, muggings, and sexual assaults do occur. It’s a good idea not to carry too much cash or valuables as you move about and to keep secure copies of important documents such as passports and credit cards. When going out for an evening, do not leave drinks unattended.

Unfortunately, terrorism remains a threat in the United Kingdom; the Canadian government advises a “high degree of caution”. The UK has placed its current threat level at severe. You can check the latest UK threat level here , and U.S. Citizens can enroll in the STEP program to receive the latest warnings and updates from the State Department. General advice for staying safe in the face of this danger includes monitoring local news, familiarizing yourself with the area, keeping the contact information for your embassy, and, for those who are visiting on a longer stay, registering with your embassy.

Emergency Assistance Numbers in the UK

Two emergency numbers in the UK will connect you with all emergency services, including ambulance, fire, and police. Both 999 and the more universal European 112 will work and function similarly to how 911 operates in the United States.

Another helpful number to have is 0845 4647  or  111, a non-emergency number that will connect you to the National Health Services, where a trained professional can help you assess your symptoms to help you decide where to seek help best.

For those staying in a residence or rental property, either as a long-term or short-term rental, it’s a good idea to have the gas emergency number: 0800 111 999 .

United Kingdom: Healthcare System and Types of Insurance

The United Kingdom provides healthcare to all citizens and permanent residents through the publicly funded National Health System (NHS). For those who do not meet the requirements to qualify for NHS coverage, it will be necessary to acquire private insurance. This is available both within the UK and can be purchased through services specifically designed for travelers and expats. While healthcare in the UK regularly receives high marks in the area of quality, the NHS has been criticized for accessibility and speed with which services are provided, causing some who have access to NHS to opt to buy additional private insurance to ensure that their health care needs are fully met. As you look through your healthcare options, this should be an important consideration for you. The NHS is so large that even private insurance services are often provided within the framework of the public system. The insurance options that you choose must provide adequate coverage that will meet your healthcare needs with the speed and efficiency with which you feel comfortable.

Related: Health Insurance for Expats in the UK

• HealthCare in the UK (Wikipedia)
• Best Hospitals in the UK For Expatriates and Travelers

The United Kingdom is currently leaving the European Union. As a result, for those who are not UK residents but are EU residents, it’s important to call your current insurance provider and find out about any changes to the benefits that you would receive while traveling and living in the UK. As this is a shifting situation, getting the most up-to-date information is best.

Vaccines, Medications, and Diet Considerations for Visiting the UK

Food and clean water are readily available throughout the United Kingdom. Even those requiring a special diet, such as for diabetes or Celiac disease, can look forward to being able to find specialty foods available. Those who follow a vegan diet should expect to have a similar time as they do at home. In larger cities like London, finding markets and restaurants that cater to their diet will be much easier than in rural areas. The UK food labeling does not require as extensive labeling as the United States, but any information must be accurate and is monitored by the government.

A wide variety of prescription medications are available. You should bring a large supply of any medications you use, along with a copy of prescriptions. If there is a medication you think you may need during your stay in the UK, it’s a good idea to make sure that it is available and what name it is sold under.

You do not need any special vaccinations as a precaution to protect your health during your UK visit; however, to secure a Visa, you will need to be able to prove that all of your basic vaccinations are present and up-to-date, including polio and MMR.

Is Travel Insurance Mandatory for a UK Visa Application

Do us citizens need a visa to visit the uk.

Speaking of a visa, a visa is unnecessary for visitors from the United States and select other countries for tourism for up to six months.

Visa Requirements for UK Tourists from Other Countries

For longer stays or to secure work for a UK employer, then you will need a visa. You will need a valid passport to enter the country. For visitors from EU countries and Switzerland, currently, the UK is working to keep travel visa-free, but as this is an evolving situation, it’s best to check what the latest news is before you leave. Currently, both a passport and a National Identity Card can be used to gain entry. For travelers from other countries, check the  Visa and Immigration page on Gov.uk.

Advice on Insurance Required for Visas:

• Travel Insurance Plans Requirements for Your Visa
• Best Travel Insurance for the Schengen Visa

With this information, you’ll be well-prepared to take full advantage of your time in the United Kingdom. Ensuring you’ll have a healthy and safe stay means you’ll be able to make the most of your time there, for work or pleasure or both.

Health Insurance Plans for Travel to the UK: Short Term / Trip Insurance |  Free Quote / Apply Travel Medical (5 Days to 12 Months)  |  Free Quote / Apply Global Medical Insurance (Long Term / Global Plans)   |  Free Quote / Apply

• Health Insurance for Foreigners in the UK
• Before you leave for the UK (Gov.UK)
• What to Know before moving to the UK (Quora)

Author: 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 .

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Foreign travel checklist

A checklist from the Foreign, Commonwealth & Development Office to help British people prepare for travelling and staying safe abroad.

Research your destination

• check FCDO travel advice for the country you’re visiting

Get insured before you go

get appropriate travel insurance as soon as you book. Check that it covers the places you will visit, the duration of your visit and any planned activities such as adventure sports

tell your insurance company about any medical conditions, including undiagnosed conditions which are being investigated, and check that your policy will cover these

Check your documents for travel

sign your passport and complete the emergency contacts page

ensure that your passport meets the entry requirements for the country you are visiting (for example, it may need to be valid for a set period after your trip ends)

get the correct visa for your destination

take an extra form of photo ID with you, other than your passport

if you are travelling with children check whether you need extra documentation

if you plan to drive abroad check whether you need an International Driving Permit (IDP)

Consider your health

check the healthcare advice for all countries you’re visiting

check what vaccinations you need and what health precautions you should take at least 8 weeks before you travel

check the rules on taking your medicine abroad

if you are travelling to an EU country or Switzerland, apply for a new Global Health Insurance Card (GHIC), if your GHIC (or EHIC) has expired. An EHIC or GHIC may not cover all health costs and never covers repatriation costs. It is not a substitute for travel insurance

Prepare for the unexpected

have a backup plan for accessing key information such as your accommodation details, flight details, passport details, contact numbers and insurance policy (for example, in case you lose your phone). Share it with friends or family or store online using a secure data storage platform

avoid getting in to financial difficulties abroad by ensuring you can access enough money to pay for unexpected costs or if your main payment method fails (for example, because you have lost your phone and cannot complete two-factor authentication)

make a note of how to contact the nearest British embassy, high commission, or consulate

read support for British nationals abroad for guidance on staying safe abroad, and the help the Foreign, Commonwealth & Development Office (FCDO) can provide

read about how the FCDO can help you if you are affected by a crisis abroad such as a large-scale terrorist attack, natural disaster, or political unrest

stay up to date before and during travel by following FCDO Travel Advice on Facebook and Twitter . Sign up for email alerts on GOV.UK

Contact the FCDO

You can contact the nearest British embassy, high commission or consulate , or the Foreign, Commonwealth & Development Office (FCDO) in London 24 hours a day on 020 7008 5000 for advice. You should also read the privacy notice to see how the FCDO will process your data.

We welcome your views on the support we provide, to help us to identify what we do well and what we could do better. Contact us using our  feedback contact form .

Alternatively write to us:

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Or telephone +44 (0)20 7008 5000

Our foreign travel checklist aims to help you plan for a trouble-free trip. It is not exhaustive. No foreign travel can be guaranteed as safe, and you take personal responsibility for your own travel. You can read the disclaimer relating to this guidance.

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Do I need travel insurance for a UK holiday?

Article contents.

7 February 2023 | Updated 20 October 2023 | 3 minute read

Travel insurance is mainly associated with trips abroad, but did you know that you can get the same cover for staycations in the UK?

Below we’ve explained whether you should buy travel insurance for a holiday in the UK, and how it could help during a staycation.

What does UK travel insurance cover?

Despite the familiar surroundings, you can still encounter problems when you holiday in the UK. Below are a few things you’re covered for:

Cancelling or cutting short your trip

This includes cancelling a trip after you booked it but before you leave, and cutting your trip short in an emergency.

This can be for a number of reasons such as the death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, a close relative, a close business associate or anyone outside your home area that you planned to stay with.

However, exclusions apply, and you should check your policy documents for more information.

Lost, stolen, damaged or missing personal belongings

If your belongings are misplaced, damaged or stolen during your trip or they don’t arrive in one piece when you arrive at your destination, you may be entitled to claim depending on your policy. 

However, if you aren’t carrying your personal belongings with you, they must be locked out of sight in your accommodation or stored in a locked safety deposit box or safe where available to be covered.

What about medical cover?

Medical cover is a key part of travel insurance when travelling abroad as getting ill abroad is often expensive.

In the UK, your medical care is covered by the NHS. However, UK travel insurance will cover things like: 

• inpatient travel expenses to and from the hospital
• if a doctor advises you to return to your home area

There also isn't any NHS medical cover for UK travellers in the Channel Islands.

Do I need travel insurance for Northern Ireland? 

Usually, we’ll cover you for trips to:

• Northern Ireland
• The Isle of Man
• Channel Islands

You must travel more than 25 miles away from your home address and be staying for two or more consecutive nights to qualify.

What about my home insurance and breakdown cover? 

Your contents insurance policy usually includes cover away from home, check which possessions you have cover for. 

Some items need to be named on your policy (known as a specified item) to be covered while travelling; for example, a piece of jewellery or a camera worth over £1,000 may need to be added as a specified item. 

Most of our content insurance policies cover any loss or damage to you or your family’s personal possessions up to policy limit, or any explicitly specified items.

Your breakdown cover will also be effective if you’re covered for travelling nationally.

Can I get cover for both UK and abroad trips?

Yes. Annual multi-trip travel insurance covers you for up to 31 consecutive days for trips in the UK and abroad.

If you’re only planning on one trip this year, single trip travel insurance is probably better suited for you.

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Holidaying close to home and looking for UK travel insurance? Exploring all that the UK has to offer (and not facing an international flight first) can be the perfect break. Whether you’re going to Cardiff, Edinburgh or Jersey, we offer UK travel insurance for trips in the UK, as well as the Isle of Man and the Channel Islands.

All our policies include cover for cancellation of your holiday or your belongings being stolen. Plus, you can enjoy protection for over 100 activities as standard .

What is UK travel insurance and do you need it?

UK travel insurance has a whole range of benefits for your holiday. Although it’s not compulsory to get travel insurance for UK holidays, mishaps can happen, and it can offer you protection if something goes wrong. This means you don’t face high costs from your own pocket should issues come up during your trip.

While the UK is generally a safe country, accidents still happen and crime can occur. For example, there were 2.7 million reported incidents of theft in 2023 and around 106,000 road collisions in 2022 . It makes sense to make sure you’re fully protected, even for a domestic holiday.

Many situations are covered with a UK travel insurance policy, including:

• Trips to the UK and more : Our UK travel insurance policies cover holidays in England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands. This means you can enjoy trips to more places while knowing you’re covered if anything goes wrong
• Cancellation or cutting short your holiday : If you have to cancel your trip because of a family bereavement, jury duty, being made redundant or certain other reasons outside of your control
• Personal belongings : Cover for if your belongings are damaged, destroyed, lost or stolen. If you’re taking away anything particularly valuable, take a look at our gadgets and valuables add on cover
• Cover for personal accident, liability and legal expenses : No one likes to think about an accident happening on holiday. Our UK travel insurance policies can help with certain costs if one does
• Policies for a wide range of trips and eventualities : We can provide extra cover for activities such as extreme sports , winter sports and business trips . As well as policies that cover a whole family or group going away together. If you’re looking for cheap travel insurance for UK trips, we have a range of cover levels with different amounts of cover and excess. And we have no upper age limit , as we believe everyone deserves to enjoy a trip away

Always make sure you read our policy wording to see the full terms and conditions and what is and isn’t included.

What does InsureandGo’s UK travel insurance cover?

Our travel insurance for UK holidays comes with a whole range of benefits as standard, and our optional add on cover can be included to suit your trip:

What’s covered?

Our holiday insurance for the UK includes trips in England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands. Our UK travel insurance policies include:

• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Emergency medical expenses in certain circumstances (see below for more details)

What’s not covered?

We strive to provide the best cover possible,  however, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our UK travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

As long as you have booked accommodation for a minimum of one night, our UK travel insurance will cover you. Our UK travel insurance policies will not cover:

• Staying at a friend or relative’s house
• Emergency medical expenses if you have access to free healthcare under the NHS

Find out about our optional add ons for activities like extreme sports , winter sports and golf .

We will consider all pre-existing medical conditions as long as you declare them before purchasing your policy and we have no upper age limit .

The excess and amount of cover available varies depending on the level of UK travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions, including what is and isn’t covered.

Things to bear in mind with travel insurance UK policies – emergency medical costs:

• As a UK resident : As the NHS is accessible throughout England, Scotland, Wales and Northern Ireland, you will not be covered for medical or hospital expenses in these countries on your UK travel insurance policy. If you’re visiting the Isle of Man or the Channel Islands, you will be covered for emergency medical expenses
• As a resident of the Isle of Man : On a UK travel insurance policy, you will not be covered for emergency medical costs if holidaying on the Isle of Man. However, you will be covered in England, Scotland, Wales, Northern Ireland and the Channel Islands
• As a resident of the Channel Islands : You will be covered for emergency medical expenses in England, Scotland, Wales, Northern Ireland and the Isle of Man. You won’t be covered if holidaying in the Channel Islands
• Wherever you’re going, we do need to know if you have any pre-existing medical conditions before you buy your policy

The best travel insurance for your UK holiday

Looking for the best travel insurance for UK trips? Whatever you’re planning, we have an option for you, from business travel policies to add ons for extreme sports :

• Annual travel insurance UK : If you’re going away more than once this year, take a look at our annual travel insurance covering UK breaks. You could save time and money by buying an annual policy, with options covering just UK trips, or trips both in the UK and abroad
• Activities Insurance : Over 100 sports and activities are covered at no extra cost on our policies. If you’re planning on something a little more adventurous, you can get add on cover for extreme sports and hazardous activities. We also offer add ons for golf and winter sports , including cover for equipment that you’re taking with you
• Family travel insurance UK : Get your whole family covered on one policy! Or if you’re heading off on a romantic weekend, we offer insurance for couples too
• Business travel insurance : If you’re travelling on business, get cover for your UK work trips. Including replacing essential work equipment quickly with emergency courier expenses

Choose a cover level to suit your travel needs

Whatever your budget, choose a level of cover that’s right for you:

How to book our travel insurance for the UK

It’s quick and easy to get travel insurance for UK holidays:

1. Tell us a little information about your trip, who you want to cover and any pre-existing medical conditions

You can do this online now or by calling our team:

2. Take a look at your quote

You can review your quote and either save it for later or purchase your cover straight away.

“As a UK resident, you might think you don’t need travel insurance for UK trips, as medical care will be free on the NHS. However, a policy could cover you for a raft of other situations faced on holidays. Whether your bag is stolen, you have to cancel your trip or you face legal costs from an accident, our UK travel insurance policies could help you avoid big unexpected bills.” Letitia Smith – Travel insurance expert

UK travel insurance with pre-existing medical condition cover

We will consider all medical conditions for our UK travel insurance policies and have no upper age limit . When you get a quote, we will ask you a few simple questions about your health, these may lead to a medical screening process where we ask for further details.

Remember, UK travel insurance will not cover you for emergency medical care if you’re holidaying somewhere that you are a resident. However, you must still notify us of any pre-existing medical conditions before you buy a policy. This is so that you are covered for cancellation or curtailment if you have to change your plans because of your medical condition.

You will be covered for emergency medical care if you’re visiting a place outside your home country. For instance if you’re a UK resident visiting the Channel Islands, or from Jersey and visiting the UK. You must declare your pre-existing medical conditions when buying your policy to make sure you’re covered for emergency medical costs in these cases.

Make sure you read our policy wording to understand what is and isn’t covered when buying insurance for pre-existing medical conditions.

Our reviews speak for themselves

Read what our customers think of us and see over 53,000 5 star reviews:

“Once again taken my holiday insurance policy through InsureandGo. I never shop around as the service from their company is by far the best. Now for another stress free year of holidays in the UK and abroad.” Julia Richmond Date of experience: 21 March 2024

Frequently asked questions on UK travel insurance

Do you need travel insurance for a uk holiday.

It isn’t compulsory to buy UK travel insurance, however, it can offer a range of benefits to help you if something goes wrong on your holiday. This includes cover for cutting short your trip for certain reasons, or replacing belongings that are damaged or stolen. UK travel insurance can help cover costs that would otherwise leave you facing high bills yourself.

Do you need a Global Health Insurance Card (GHIC) to holiday in the UK?

It is sensible to apply for a UK GHIC card if you are visiting any of the places covered by the scheme, in which you are not a resident. However, it is still recommended that you buy travel insurance. The UK GHIC card scheme will not cover all medical expenses or medical repatriation. Plus travel insurance will also cover you for other things going wrong – such as cancellation of your trip or your bag being stolen.

How much is travel insurance for the UK?

UK travel insurance is normally cheaper than insurance for trips outside of the country. Factors that may affect price include:

• How long your trip will be
• The level of policy cover you choose
• Any add ons you pick, for instance cover for extreme sports
• Whether you want an annual or single trip policy
• Any pre-existing medical conditions

Get a quick and easy quote online now or call our team on 0808 281 0594.

What travel insurance do I need for the UK?

Travel insurance for the UK isn’t mandatory, however it comes with a whole range of benefits if you do purchase it. We offer a variety of policies to choose from, including:

• Both annual travel insurance and single trip policies
• UK travel insurance for families , couples and groups
• Activities insurance , as well as insurance for extreme sports , golf and winter sports
• Business travel insurance
• Travel insurance for pre-existing medical conditions

Do you need travel insurance for Jersey from the mainland UK?

Jersey is not part of the UK and not covered by the NHS. It’s always sensible to buy travel insurance to make sure you’re fully covered.

Does UK travel insurance cover camping and festivals?

Yes, our travel insurance UK policies cover you if you have booked to go camping and have to cancel for certain reasons. The costs of your pre-booked pitch/accommodation will be covered. However, baggage left unattended in a tent cannot be covered if it is damaged, lost or stolen. Read our policy wording for full details. Note: Festival tickets cannot be covered as the pitches are not pre-arranged.

Who can buy an InsureandGo UK travel insurance policy?

All our UK travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK, the Isle of Man or the Channel Islands for at least six of the last 12 months
• Has a permanent UK address and is registered with a UK GP
• They must be in the UK at the time of purchase

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our UK travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

Telephone Hours

Opening Hours

• Mon-Fri: 8:30am - 8pm
• Sat: 9am - 5:30pm
• Sun: 10am - 5pm
• Mon-Fri: 9:00am - 8:00pm
• Sat: 9:00am - 5:30pm
• Sun: 10:00am - 5:00pm

Annual Multi-trip Travel Insurance

• Unlimited trips for a year
• 24/7 Emergency Medical Assistance, wherever you are
• You could save time and money

Annual Travel Insurance covers you for selected countries and destinations for one year. You choose your preferred cover region, and you’re covered for any trip within that region throughout the year.

This type of insurance can cover all pre-existing medical conditions , too, allowing you to travel with complete peace of mind.

What is Annual Multi-trip Travel Insurance – and why do you need it?

Annual Multi-trip Travel Insurance is a type of policy ideal for frequent travellers who take two or more trips a year.

Research from Which? found that Annual Multi-trip Travel Insurance often offers better value than buying separate Single Trip Travel Insurance policies, especially if you’re planning two or more trips annually. 

With this type of insurance, you’re continuously protected against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more, providing peace of mind throughout a twelve-month period.

• Hassle free : Cover for all your getaways with one annual policy instead of arranging new insurance each time you travel
• You could save time and money: If you’re taking multiple trips, you may find Annual Travel Insurance cheaper than buying a new policy every time. Opting for annual cover could save you money and time by protecting multiple trips under one policy
• Easy to renew cover : You can renew your Annual Multi-trip Insurance each year, making sure you have the same continuous cover for all your trips. You only need to complete the medical screening process once, and you can easily renew for the following year. You’ll then have another 12 months of hassle-free travel.

What does AllClear’s Annual Multi-trip Travel Insurance cover?

Annual Multi-trip Travel Insurance provides a wide range of benefits for your trips in the year. From emergency medical cover across different countries to cancellation and curtailment should you encounter unexpected circumstances during your trips.

What’s covered?

• Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
• Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
• Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
• Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
• Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday

What’s not covered?

• Trip duration limits – While it doesn’t matter how many holidays you take each year, each trip has a maximum duration depending on your chosen annual policy. Refer to the policy documents for details
• Undeclared pre-existing conditions – Medical cover is provided only for declared pre-existing conditions on your policy
• Travel Insurance excess – Most claims will have a travel insurance excess, which is the first part of any claim not covered by the policy

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Find the best Annual Multi-trip Travel Insurance for your travels

Annual Multi-trip Insurance may be a more cost-effective option if you plan to take several trips in a year. According to independent research by the Evening Standard , the more you travel every year, the better value an annual policy can be.

We can help you find the best Annual Multi-trip Insurance for your travels:

• Choosing your cover area : Choose from UK trips , European destinations , or worldwide cover , including options for USA, Canada, Mexico, and the Caribbean.
• Cost considerations : When determining the price of your policy, factors such as your age , destination, pre-existing conditions , and chosen cover level all play a role. By selecting the appropriate cover and optional extras, you know you’re getting the best value for your needs
• Cruise cover inclusions : If you’re planning a cruise, make sure you’re covered with our Cruise Cover option. This essential protection can be added to your policy and is automatically included in Platinum policies, providing peace of mind for your cruise travels
• Optional extras: Enhance your policy with additional cover to suit your preferences. Whether you’re looking for cover against natural disasters, need gadget cover for your electronic devices, or want cover for activities like golf or winter sports , we have options to tailor your policy to your travel style

AllClear’s Annual Travel Insurance for pre-existing medical conditions

As a specialist Medical Travel Insurance provider , our Annual Multi-trip Travel Insurance covers all pre-existing medical conditions. We can cover over 1,300 different conditions, and we can help cover yours too.

If you have a pre-existing medical condition, you must declare this before travelling. This includes any health problems you have taken medication for or received a diagnosis for during the last five years.

Below are just a few of the common conditions we provide cover for:

• Heart conditions
• High blood pressure
• Multiple sclerosis
• Crohn’s disease

How our Annual Multi-trip Travel Insurance works: A simple 3 step quote process

Our 3-step quote process is quick and simple and designed to provide you with comprehensive cover across all your trips. 

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start your quote, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

You’ll need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Receive your quote

You will then receive your quote(s) and can either proceed to buy or save your quote at this stage.

“Annual Travel Insurance could be just what you need if you go abroad regularly. If you travel more than once a year, an annual policy can save you time and money compared to buying separate cover for each trip. As well as offering unlimited trips to your chosen region for a whole year, policies include all the benefits of Single Trip Travel Insurance, such as cancellation cover, protection for your personal possessions, and cover for travel delays or personal liability.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

With over 123,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.

What our Customers Say

Excellent personal service.

“After a lot of online research, I have booked a Gold Annual Multi-Trip Policy with AllClear Travel Insurance. I found the online application fairly straightforward. But I had a couple of questions and was pleased to have the assistance of Douglas. He guided me through the application and made a couple of necessary adjustments. Very patient and helpful – well done! “- Mr Wollarcott

Frequently Asked Questions on Annual Multi-Trip Travel Insurance

How does annual travel insurance work.

Annual Travel Insurance covers you for multiple trips within 12 months, offering convenience and peace of mind throughout your travels.

Once you buy an annual policy, you’re covered for an unlimited number of trips during the policy period (be sure to check your policy). This type of insurance includes benefits such as emergency medical expenses, trip cancellation, travel delays and unforeseen circumstances.

However, Annual Travel Insurance does not cover travel outside your chosen region, although you can upgrade your policy at any time.

Is it better to get Yearly Travel Insurance?

This depends on how many trips you take each year.

If you’re taking multiple trips within a year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.

How much is holiday insurance for a year?

Annual Travel Insurance lasts for a whole year and will cover trips up to the maximum duration shown on your travel documents. If you’ll be travelling for longer than this, a Single Trip policy can cover holidays of up to 365 days.

When should you buy your Annual Multi-trip Insurance policy?

We would recommend buying Annual Multi-trip Insurance as soon as you book your holiday,

Money saving expert Martin Lewis also recommends this. He urges people to buy travel cover as soon as possible as “so many of the things you can claim for can happen before you go on holiday”.

The start date of your Annual Multi-trip Travel Insurance policy will be the date your cover begins. This offers you protection leading up to any trip you take and between each trip you take.

Why can Annual Multi-trip Travel Insurance be better value than a single trip?

Annual Multi-trip Travel Insurance can offer better value than a single-trip policy because it covers multiple trips over a year, rather than just one.

So, if you’re going on several holidays within a year, an Annual Travel Insurance policy could be of better value.

With an Annual Multi-trip policy, you only need to select your preferred cover region, not every country you plan to visit. You’ll then be covered for any trip you take to the region throughout a 12-month period.

However, there are restrictions on the length of time you can be away for any one trip.

Can you get Annual Multi-trip Travel Insurance for a group trip?

Yes, our annual cover is available for groups of up to 10 people. 

Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.

When does an Annual Multi-trip policy start?

You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of buy. 

However, you should be aware that there will be no cancellation cover for your trip until the policy begins, so if you want to be fully covered it’s best to start the policy as soon as you’ve booked your holiday.

Do you need extra cover for sports and activities?

AllClear policies provide cover for most holiday sports and activities as standard. From hiking and cycling to scuba diving and camel riding. 

Please check the policy documents for the full list. If your chosen sport or activity is not featured, please contact us for more information.

Is a GHIC card enough to cover Annual Multi-trip Travel Insurance?

A GHIC (Global Health Insurance Card) only provides access to state-provided healthcare within the European Economic Area (EEA) and Switzerland. 

While it offers valuable medical cover during temporary stays abroad, it is not a substitute for comprehensive Travel Insurance. 

Annual Multi-trip Travel Insurance provides a wide range of benefits beyond healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to make sure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re planning a skiing holiday or a relaxing golf trip, remember to add extra cover to your policy for a worry-free trip.

• United Kingdom
• Winter Sports
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 3 April 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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Always check the travel requirements for your destination and find out what documents you need for your trip. We’ve put together some useful information and references below, but it’s also important to read the latest government advice and information from the International Air Transport Association (IATA) before you fly.

Essential travel information

Flying to Abu Dhabi

COVID-19 restrictions have been lifted in Abu Dhabi. Your passport should be valid for at least six months, unless you hold a valid Residence ID. You only need to apply for a visa if you’re not eligible for a visa on arrival.  

More about visas

Flying to other worldwide destinations 

Always check the IATA Travel Centre for the latest passport, visa and health  requirements based on your personal details and trip itinerary.

More travel advice

Flying with a medical condition

You may be required to submit a MEDIF form and latest medical report at least 72 hours before your flight.

Find out now

Travelling during pregnancy

From weeks 29 to 36, you will require a medical certificate to fly, which you’ll have to present when you check in at the airport.

Pets and service animals 

Submit a booking form and all official documents, vet examinations and treatment history at least seven days in advance.

Children travelling alone

Submit an Unaccompanied Minor form and complete further documentation if your child is travelling to South Africa or the UK. 

Common questions

What countries require yellow fever vaccinations.

For an up to date list of countries requiring a yellow fever vaccination, please refer to the World Health Organisation .

I’m transiting in Abu Dhabi. Do I need a visa to leave the airport?

If you’re eligible for a visa on arrival, you can leave the airport whilst you wait for your next flight. If you’re not eligible for a visa on arrival, you can apply for UAE Transit Visa. 

More about UAE visas

My passport expires in less than six months. Where can I travel to?

Some countries require at least six months validity on your passport to enter. Always visit the official government website of the country you’re travelling to check before you book your flight. If you hold a valid Emirates ID and are travelling back to the UAE, you will be allowed entry as long as you hold a valid passport.  

My passport has expired and I’m due to fly to home. Can I still travel?

It depends on the rules of the country you're travelling too. Please contact your nearest Embassy or Consulate for more information.

Useful travel tips

Check the passport, visa and vaccination requirements for your destination carefully.

Consider applying for an International Driving Permit if you’re planning to drive abroad. 

Keep copies of your travel itinerary in your checked bag. This will make it easier in the unlikely event that they are delayed. 

Keep a photocopy of your passport and consider carrying other ID – this will help in the unfortunate event you lose your passport when you’re travelling. 

Arrange travel insurance before you go and keep the policy documents with you.

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The 5 Best Travel Insurance Companies

Planning a trip can be a lot of fun: researching amazing bucket-list activities, daydreaming about picture-perfect beaches and epic hikes, booking the cheap flights that will take you to the world’s most amazing destinations. Planning gives you ownership of your trip and lets you imagine all the wonderful adventures you’ll have.

What is significantly less fun (yet equally important) is searching for the right travel insurance plan for your trip.

Reading through the fine print, searching out reviews you can trust, picking the best plan — it can be a little tedious.

It can also be a little overwhelming.

There are hundreds of companies out there, all offering seemingly similar plans. But they all have different prices too. Which one is the best? Which review is right?

To help you figure it all out, I wanted to share my thoughts on the best travel insurance companies on the market. I’ve been backpacking since 2004 and researching companies for a living since 2007. I’ve spent a lot of time reading the fine print. (Have you ever read NY’s insurance compliance laws? Well, don’t.)

To save you time, I’ve compiled a list of the best travel insurance companies. Whether you’re heading south to escape from winter or traveling abroad on a round-the-world trip , this list will help you find a company that works for you and your budget.

Table of Contents

• Best overall insurance: SafetyWing
• Best comprehensive insurance: World Nomads
• Best for medical evacuation: Medjet
• Best insurance for older travelers: Insure My Trip
• Best insurance for expats: Insured Nomads
• Honorable Mention: Your travel credit card

OUR TOP PICK: SafetyWing

Here’s a quick overview of SafetyWing:

• Offers super affordable monthly plans
• Plans can be purchased at home before you go or abroad after you’ve departed
• Claims can be filed online
• After being abroad for 90 days, you keep your medical coverage for 30 days in your home country (15 in the U.S.)
• Up to 2 children under 10 per family (1 per adult) can be included on your plan free of charge
• Up to $5,000 USD for trip interruption (with no deductible)
• Best for digital nomads and frugal travelers

Its plans are cheap too. It’s nice that they offer a flat monthly rate (based on coverage and age), and in 2024, they removed the deductible for non-US residents (hopefully they’ll do the same for US residents soon).

Additionally, electronics such as phones, laptops, and cameras are not covered as part of their standard policy (non-US residents can buy an electronics add-on though), and in this day and age, that’s just crazy. If the items are checked luggage and are lost/stolen, you can get reimbursed up to $500 USD per item, but who checks their expensive items?

• Super affordable
• Offers some COVID-19 coverage
• Backed by a single insurance company
• Covers up to age 69
• Can buy while traveling
• Monthly subscription model so you can cancel anytime
• No deductible for standard claims
• Fast response time (average claim takes 4 days to process)
• No trip cancellation coverage (and only minor trip delay coverage)
• Payout by wire transfer only (no direct deposit)
• Limited coverage for your gear and adventure activities

SafetyWing is a good option for anyone traveling on a tight budget who just needs basic coverage. If you want some medical coverage, don’t care about your electronics or robust trip cancellation or interruption, and just want an inexpensive plan, SafetyWing is the best.

Monthly plans start at $56.28 USD per month for travelers 18-39 years old. If you will be traveling in the USA, monthly plans cost $104.44 USD per month.

If you just want basic “I just want to be covered for the big stuff” coverage, this company is it ( read more in our SafetyWing review ).

Get a policy with SafetyWing  

World Nomads

Here’s a quick overview of World Nomads:

• Emergency medical and dental coverage
• Coverage for trip cancelations, delays, and interruptions
• Baggage protection
• Emergency evacuation (for medical emergencies and non-medical emergencies such as natural disasters)
• Medical transportation
• 24/7 customer assistance
• Coverage for some COVID-19 medical costs
• Tiers for basic and premium coverage
• Delay and cancellation coverage
• Can submit a claim after your trip ends
• Covers a wide range of adventure activities
• Offers some COVID coverage
• Everything can be done via the website
• Trusted by brands like Lonely Planet, Eurail, and Intrepid Travel
• Claims paid by check
• No car rental coverage on the Standard Plan
• No “cancel for any reason” coverage
• Does not cover pre-existing conditions

Prices vary based on your age and country of residency, as well as where you’re going and for how long. Generally, a two-week policy costs around $100 for the Standard Plan, while an Explorer Plan is closer to $200 USD.

Learn More   World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.  

Most insurance companies just evacuate you to the nearest hospital in an emergency, but as a membership program, Medjet goes above and beyond to ensure that you’re repatriated (i.e. sent back to the country you live in). You won’t be stuck in a foreign medical facility away from your friends and family.

There are both short-term and annual plans, too, so no matter what your travel plans are, you’ll be able to find the affordable coverage that you need.

Here’s a quick overview of Medjet:

• Extensive medical transport coverage that will get you home
• Allows you to determine to which medical facility to be moved
• Does not require government-issued warnings to initiate evacuation
• Medical transfer available in the US as well as abroad
• Both short-term and annual plans
• Available for residents of the US, Canada, and Mexico
• Language translation assistance and liaises with foreign hospital staff for you
• Will get you home (not just to the nearest “acceptable” medical facility)
• Affordable annual plans
• Two tiers of coverage: basic and premium plans
• Offers global coverage for COVID-19
• Offers coverage up to age 74 (with potential extended coverage to 84)
• Only available to North American travelers (US, Canada, Mexico)
• No trip cancellation, trip delay, or baggage coverage
• Must purchase before you leave home

Medjet is the perfect company for anyone looking to avoid time spent in foreign medical facilities should an emergency or crisis occur. It’s a great supplement to more basic travel insurance plans, especially if you’re worried about being transported home. Learn more in my comprehensive Medjet review.

Annual plans for global coverage start as low as $315 USD per person.

Get a policy with Medjet  

Insure My Trip

With Insure My Trip, you can compare plans from over 20 different insurance providers. It’s a great resource for senior travelers since many of the providers they recommend offer coverage for those over 65. Moreover, they offer “cancel for any reason” insurance, so, if you cancel your trip for any reason, even ones not listed under regular policies, you’ll get a percentage of your trip back.

Here’s a quick overview of Insure My Trip:

• Guaranteed low prices
• Coverage for senior travelers over 65
• “Anytime advocates” ask the insurer to give your claim a second look if you think it was unfairly denied.
• Comparisons from over 20 different companies to ensure you get the best plan
• Accommodation coverage if quarantined at your destination
• Reviews of each policy so you can see what other travelers say
• Coverage for travelers on cruises
• Tons of plans available
• Options for senior travelers
• Assistance with denied claims
• Offers “cancel for any reason” (CFAR) plans
• Since it’s a third-party service, you’re dealing with a middleman
• Can be a bit overwhelming to sort through the different plans

Since Insure My Trip is an aggregator, prices will vary based on your trip destination, country of residency, and travel plans.

Get a policy with InsureMyTrip  

Insured Nomads

While Insured Nomads offers your standard travel insurance, where they really shine is with their long-term traveler coverage.

I think this company is the best for expats and digital nomads looking for a robust insurance plan that covers regular doctor visits, medication, and other routine care. They also offer mental health coverage and telemedicine — options virtually no one else offers.

Most travel insurance plans are emergency care plans. Insured Nomad’s International Health Insurance is there for both everyday visits and emergencies. While it’s more expensive than your regular insurance plan, it also covers a lot more, making it a great choice for people working abroad remotely.

• Both emergency and routine care is covered
• Mental health coverage
• Optional coverage for prescription drugs, maternity, vision, dental, and vaccinations
• Family and couple plans available
• Telemedicine
• Can choose your own deductible
• Up to $2,000,000 in plan coverage
• Includes a trip to your home country for up to 15 days per 90 days of coverage
• You need to get a quote to apply since prices vary
• Their comprehensive coverage is expensive without a deductible

Plan prices vary a lot based on where you’re from and where you’re going, with coverage starting at $145.60 USD per month. While expensive, this plan is designed for remote workers and digital nomads who want robust care while they work and travel the world.

Get a policy with Insured Nomads  

Honorable Mention: Credit Card Coverage

While not the most comprehensive, many travel credit cards include some degree of travel insurance. Coverage is often limited and might only apply to trips or items purchased with the card. And there may be limited dates of coverage too.

However, something is better than nothing!

That said, while it can be tempting to rely on the free travel insurance from your credit card company, their plans are usually not that comprehensive and have minimal coverage and/or limited compensation. This is especially the case with anything medical, as credit card travel insurance tends to focus on trip delays, cancellations, and interruptions. These free plans are best used as supplemental coverage in addition to a plan from one of the companies above.

But it’s always great to have options (especially free ones). Be sure to learn more about the best travel credit cards before your next trip (you’ll have to read the fine print).

Note : If you’re traveling with a lot of expensive gear and electronics and want to be sure you’re covered, consider a policy from Clements . While its coverage isn’t as convenient to purchase as the companies above (you need to order a quote via email or phone), it has higher coverage available for gear and electronics if you think you’ll need it.

Nobody plans on getting hurt when they travel. And in a perfect world, we wouldn’t. But we all know that this isn’t a perfect world.

My bags were stolen when I was traveling in South Africa .

I popped my eardrum while diving in Thailand .

And I was even stabbed while backpacking in Colombia .

Obviously, I didn’t plan for any of these things to happen.

But they did.

And I was lucky I had travel insurance to help me cover the costs. So, before you head out on your next trip, make sure that you’re covered. Invest in your own safety and peace of mind. I promise you, it’s worth the money!

Book Your Trip: Logistical Tips and Tricks

Book Your Flight Find a cheap flight by using Skyscanner . It’s my favorite search engine because it searches websites and airlines around the globe so you always know no stone is being left unturned.

Book Your Accommodation You can book your hostel with Hostelworld . If you want to stay somewhere other than a hostel, use Booking.com as it consistently returns the cheapest rates for guesthouses and hotels.

Don’t Forget Travel Insurance Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

• SafetyWing (best for everyone)
• Insure My Trip (for those 70 and over)
• Medjet (for additional evacuation coverage)

Want to Travel for Free? Travel credit cards allow you to earn points that can be redeemed for free flights and accommodation — all without any extra spending. Check out my guide to picking the right card and my current favorites to get started and see the latest best deals.

Need Help Finding Activities for Your Trip? Get Your Guide is a huge online marketplace where you can find cool walking tours, fun excursions, skip-the-line tickets, private guides, and more.

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission or fee if you make a purchase or get a quote from some parties using these links. I do not represent any of the companies above and I only work with products and companies I personally use.

Hi, I’m Nomadic Matt, the New York Times best-selling author of How to Travel the World on $50 a Day and Ten Years a Nomad, as well as the founder of this website! And I’m here to help you save money on your next trip.

Got a comment on this article? Join the conversation on Facebook , Instagram , or Twitter and share your thoughts!

Disclosure: Please note that some of the links above may be affiliate links, and at no additional cost to you, I earn a commission if you make a purchase. I recommend only products and companies I use and the income goes to keeping the site community supported and ad free.

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How to Get the Best Car Insurance

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For a lot of people, buying car insurance is like buying sliced bread. It’s not the most exciting purchase, and the options all seem similar. So thrifty shoppers might simply reach for the cheapest thing on the shelf. But like cheap bread, cheap car insurance may leave you wishing you spent a little more on quality.

“The cheapest is not always the best,” warns Jessica McNally, an agency owner with Goosehead Insurance in Dallas. That’s because there are lots of factors that make up a car insurance company. And while price is one of them, it’s best to look at the bigger picture.

Here’s what to look for when picking the best car insurance company.

1. Choose a financially stable company

The best car insurance companies have plenty of money on hand to pay for customers’ claims. It’s important to check an insurer’s financial stability before buying a policy, especially if it’s a smaller insurer you’ve never heard of.

There are several independent agencies that evaluate the financial strength of insurance companies. One example is A.M. Best. You can use its online search tool to find an insurer’s financial strength rating. Companies with a rating of A or higher are considered to have an excellent ability to pay out customer claims.

2. Check customer satisfaction ratings and reviews

Not every insurer is customer-first. That’s why it’s important to research the customer satisfaction of insurers you’re considering.

You can turn to surveys from companies like J.D. Power to find insurers with the best customer satisfaction scores [0] J.D. Power . Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds . Accessed May 21, 2024. View all sources . Or, if you don’t mind doing a little detective work, you can compare customer complaints against insurers by using the National Association of Insurance Commissioners’ website . But take other people’s emotionally charged comments about companies or agents you might read online with a grain of salt, McNally advises.

3. Look for convenience

A great auto insurer should offer multiple ways to manage a policy. For example, some insurers allow customers to use a mobile app to file and track claims. But it’s hard to tell how simple it’ll be to file a claim or perform other essential tasks, like paying your premium, before becoming a customer.

Some telltale signs that an insurer will be easy to work with are high mobile app ratings, flexible customer service hours and an easy-to-use website with helpful content. Consider asking a company representative to walk you through the claims process to learn what you’ll need to do if you have to file a claim. And pay attention to how the company communicates with you. "If they don't properly communicate, well, that's a warning sign," says Michael DeLong, a research and advocacy associate for the nonprofit Consumer Federation of America.

4. Pick an affordable company

Car insurance premiums are stretching to record-breaking heights [0] U.S. BUREAU OF LABOR STATISTICS . Consumer Price Index for All Urban Consumers (CPI-U) . Accessed May 21, 2024. View all sources , and almost half of U.S. consumers shopped for a new car insurance policy in the past year, according to an April 2024 report by J.D. Power [0] J.D. Power . Half of Auto Insurance Customers Currently Shopping for New Policies, J.D. Power Finds . Accessed May 21, 2024. View all sources . The best car insurance companies offer competitive rates and a variety of potential discounts.

It’s not hard to get car insurance quotes online from many companies. Make sure you compare the same coverage options throughout the quote-gathering process. And don’t forget to look for car insurance discounts, like breaks for being a good driver, paying your premium in full or driving a new car.

More tips to find the best car insurance

When shopping for the best car insurance, keep the following tips in mind.

Assess your needs. Before buying car insurance, take a moment to reflect on what’s important to you and your family. For example, maybe you prioritize affordability and a well-polished mobile app, but don’t need accident forgiveness .  

Consider small insurers. There are lots of small insurance companies you’ve probably never heard of. These regional insurers may provide lower rates and better customer service than the big companies you see advertised on TV.

Work with an independent agent. While it may be easy to get quotes yourself, independent car insurance agents and brokers can streamline the process. These experts vet companies and compile quotes from small and large insurers on your behalf. Independent agents and brokers can especially come in handy if you have a less-than-perfect driving record and can’t find insurance on your own.

Do your research. Search online for recent mentions of a company in the news before buying a policy, recommends DeLong. If you find a company has lots of recent lawsuits against it, you may want to think twice about signing on the dotted line. “And if they've had to pay out settlements, that's an even bigger red flag,” DeLong says.

Shop around once a year. Make a practice of shopping for car insurance every year — especially if price is important to you. Insurers adjust car insurance rates regularly, so what might have been the most affordable option last year may no longer be a bargain.

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