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Travel insurance for the UK

The UK has enough bucket list attractions to compete with any travel destination around the world. With the historical magnificence of Buckingham Palace, the charming beauty of the English countryside, the prehistoric intrigue of Stonehenge and the raw wilderness of Scottish shores, it’s little wonder that thousands of Kiwis explore the UK each year. The UK is made up of England, Scotland, Northern Ireland and Wales, and each region has its own identity, attractions and potential challenges for travellers. While some areas of the UK might feel like a home away from home for many Australians, your holiday still needs research, preparation and the right travel insurance for your journey. 

What should my travel insurance for the UK include?

Your travel insurance for the UK should provide cover for the unexpected. The level of cover should be right for you and your journey, so be sure to do your research before choosing your policy and provider. Some Australians might assume that because of Australia’s close relationship with the UK, they don’t need travel insurance when visiting. However, while Australia and the UK share a  reciprocal health agreement , that provides limited medical cover for Australians in the UK, this doesn’t include protection for emergency dental care, flight cancellations caused by injury, medical evacuation, or any treatment from a medical provider that isn’t part of the National Health Service Scheme.

Why choose Southern Cross Travel Insurance? 

+ Based upon the total number of unique travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to October 2023. # Based upon the total number of claims we paid as a proportion of all claims we received across the markets where we operate for all our travel insurance products from 1 January to 31 December 2023.

What types of travel insurance could i get for the uk .

Our travel insurance offers a range of cover options for your trip to the UK. 

International Comprehensive 

Our  International Comprehensive  travel insurance policy, can better protect you with a variety of benefits, generous policy limits and a supportive claims team. You’ll gain access to our worldwide emergency assistance team, who are there to help 24 hours a day, 7 days a week.     Our International Comprehensive travel insurance includes cover for: 

• Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
• Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental car excess should you have an accident
• Emergency dental treatment
• Funeral costs
• Optional add-ons for cruise, moped and ski cover. 

Annual Multi-trip

Heading overseas a few times this year? We know family visits, events and holidays can mean you’re not just taking one overseas trip per year! We offer an  Annual Multi-trip policy  that offers the same great benefits as our International Comprehensive policy, and means that you’re covered for an unlimited number of return journeys overseas, over a period of 12-months. You’re able to choose to have your journeys covered up to a maximum of 30, 60 or 90 days in length. This can make it easier to sort your travel insurance for all of your upcoming trips, and you can focus on what matters – the adventure!  

International Medical Only

This policy protects you against medical emergencies while overseas and provides a low-cost alternative to our International Comprehensive cover.  

Our International Medical Only policy can include cover for:  

• Medical expenses
• Evacuation and repatriation costs
• Cash allowance while in hospital
• Accompanying person
• Funeral expenses or return of mortal remains
• Loss of life
• Personal liability

Planning to work in the UK? Check out our Working Overseas policy.

A popular spot for a gap year or overseas experience, we know how important it is to have cover during your stint in the UK. 

Things to consider with Travel insurance for the UK 

Does my insurance cover me for medical and hospital bills.

Whether it’s a slip and fall, a contaminated restaurant meal, or a bad bout of the flu, medical emergencies can be incredibly expensive. As well as the cost of medical treatment, you may need to pay for more spacious seats on the plane (to accommodate a broken leg, for example). Some injuries and illnesses might force you to extend your holiday, meaning you have to pay for extra accommodation and living expenses until you’re fit to fly. We understand how upsetting medical emergencies can be while you’re on holiday, which is why our International Comprehensive, Working Overseas and International Medical Only travel insurance policy’s can cover you for unlimited medical and evacuation expenses that arise due to unexpected events while on your journey.  

Am I covered for stolen or damaged valuables, like my phone, camera and laptop? 

The UK can feel like a second home for many Aussies, however that shouldn’t make them complacent with their valuables.  Pickpocketing and petty theft  is common in the UK. We understand how upsetting it can be to have your valuables stolen overseas, which is why our International Comprehensive, Annual Multi-trip and Working Overseas travel insurance policy can cover you for loss, damage or theft to valuables that occurs from an unexpected event. What is an ‘unexpected event’? Your policy defines an unexpected event as something that was unforeseeable, sudden, unintended and out of your control. You can read more about your cover under our relevant travel insurance policy documents.

Does my cover include flight cancellations and delays? 

Whether it’s severe weather, volcanic ash clouds, or airline workers on strike, there are a number of ways your flight plans can be disrupted. For uninsured travellers, these disruptions can be costly and frustrating, especially when you need to extend your accommodation bookings. Our International Comprehensive, Working Overseas and Annual Multi-trip travel insurance policy includes travel interruption cover, that can insure you for the additional costs of accommodation, transport and meals if your travel is interrupted for more than 12 hours. If you’re attending a special event (e.g. a wedding or concert) and your travel is disrupted by an unexpected event, we may also cover alternative transport costs to get you there on time.

We don’t offer any cover for changes to your journey (including flight delays and cancellations) under our International Medical Only policy. 

Am I insured if I rent a car in the UK? 

Heading beyond the city centres in a rental car is a great way to explore the charming UK countryside. Raw coastline, rolling hills and rustic villages can all be easily reached in a rental car. But before hitting the open road in a rental car, travellers should ensure that they’re covered for unexpected accidents under their insurance. If your rental vehicle is damaged or stolen due to an unexpected event, our International Comprehensive, Annual Multi-trip and Working Overseas policies can cover non-refundable excess up to $5,000. If you plan to hit the open road overseas, remember to:

• Obey all local driving laws
• Hire your vehicle from a licensed rental car agency
• Comply with the terms of the rental vehicle agreement
• Only drive on formed or paved roads and car parks
• Don’t drink or drive under any circumstances

Remember, if you take out our International Medical Only policy, rental vehicle excess is not included as part of your cover. 

Do I need to declare transit stops as destinations on my travel insurance policy? 

It’s a given that you’ll have at least one transit stop on your way over to Europe, so it’s important to know whether you need to declare transit stops as destinations on your travel insurance policy. 

Under our International Comprehensive, International Medical Only, Working Overseas, or Annual Multi-trip polices, you do not need to declare transit stops where you are there for less than 48 hours. 

Pre-Existing Medical Conditions 

Pre-existing medical conditions are not automatically covered under your travel insurance policy. We want to help you understand what a pre-existing medical condition is, and what you need to do if you have any, so that you know what you are covered for under your travel insurance policy for your Europe trip.  

What is a pre-existing medical condition?

We consider a pre-existing medical condition to be any illness, injury or health symptom to which all the following apply. 

• You know about it, or a reasonable person should have known about it before the date your insurance starts.
• You sought or received medical help
• Someone recommended you seek or receive medical help
• A reasonable person would have sought or received medical help
• You were waiting for medical help

In this definition, ‘medical help’ means any of the following:

• Advice from a health professional
• Tests, investigations, or specialist consultations
• Care, treatment, or medical attention, including surgery
• Medication or a script for medication

An illness, injury or health symptom doesn’t need a confirmed medical diagnosis to count as a pre-existing medical condition. 

Find out more about pre-existing medical conditions for our  International Comprehensive ,  International Medical Only ,  Annual Multi-trip  and  Working Overseas  polices.  

We’re with Aussies in the UK

See what our customers have to say about us, what you need to know.

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic .

Need some help?

If you’d like to get in touch, check out the ways you can contact us . Our friendly insurance experts are happy to help! 

Related articles

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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United Kingdom travel insurance

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Why do I need travel insurance in United Kingdom?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in United Kingdom, make sure you have car rental excess cover.
• Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
• Terrorism is a risk in United Kingdom. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for United Kingdom? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

United Kingdom travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in London, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in United Kingdom.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in United Kingdom. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for United Kingdom?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 999 or 112 (police), 999 or 112 (ambulance) or 999 or 112 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in United Kingdom, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Why you can trust Finder's travel insurance experts

FAQs about United Kingdom

Which travel insurance is good for united kingdom.

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in United Kingdom so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to United Kingdom?

The Australian government's smartraveller site recommends that you take out cover when travelling to United Kingdom. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for United Kingdom?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to United Kingdom?

The Australian government smartraveller website says to exercise a high degree of caution in United Kingdom. You should still be able to get travel insurance for United Kingdom but make sure you do some research before you travel. There may be certain areas of the country that are not safe.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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Travel Insurance for Aussies, Kiwis & Saffas

• The option to add Repatriation to Australia, New Zealand or South Africa where medically necessary
• Cover for one way travel
• No minimum residency requirements
• Already Abroad Cover
• Geographical limits

What is Travel Insurance for Aussies, Kiwis & Saffas?

Our entire range of policies is available to Australian, New Zealand and South African passport holders who are currently living in the UK. Aussies, Kiwis & Saffas Cover is for round trip journeys from your current country of residence in the UK and also for one way trips of up to 12 months duration and can be optionally extended to include Repatriation to your home country where medically necessary. The additional Repatriation cover must be included for one way trips exceeding 31 days.

We have no minimum residency period but you should get yourself registered with a GP in the UK.

Repatriation Cover

Our standard policies include cover for Repatriation to the UK where medically necessary. Passport holders of Australia, New Zealand or South Africa are given the option to extend the cover to include Repatriation to their home country.

One Way Travel

Our policy will permit a one way journey to Australia, New Zealand or South Africa. However, if the duration of that journey exceeds 31 days, you must accept the additional cover for Repatriation.

See our essential Backpackers Guide to Insurance and details of the optional extensions below. If these do not provide the information that you require, please call us on +44 (0) 1353 699082 and we will be happy to answer any questions about our travel insurance cover for Australians, New Zealanders and South Africans who are currently living in the UK.

Travel Insurance Additional Options

Take a look at how you can customise your Policy with our Extra Covers .

• Excess Waiver
• Cancellation Top Up
• Cover for Hazardous Activities
• Extra Cover for Valuables
• Golfer's cover
• Extra Cover for Event Cancellation

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

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Travel Insurance

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

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

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

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

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

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

Get 20% OFF Covid Testing with any Travel insurance purchase

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
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• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Travel Insurance for Europe and the UK

Source: Getty

Find our best travel insurance for your trip to Europe or the UK

Aussies have a hard time staying away from Europe and the United Kingdom – and it’s easy to understand why: Europe is jam-packed with beautiful old towns and delicious food, while the UK has stunning countryside and character-filled pubs.

Unfortunately, it doesn’t matter if you’re visiting the UK or Europe on a honeymoon, family holiday, backpacking trip or for a cruise, things can go wrong when you least expect it. From lost luggage and missed flights to terrorist attacks and stolen smartphones, it helps to have travel insurance that’s by your side when you need it most.

At Cover-More, we can help support you should the unexpected occur. With over 30 years’ experience protecting Aussies travelling abroad and a 24/7 Emergency Assistance team, our travel insurance can help you feel safer when you travel overseas.

Want to learn more about our travel insurance cover for Europe and the UK? Keep reading.

Ready to get a quote? You can get one online right now.

Skip ahead to read:

Do i need travel insurance for europe and the uk.

• Does Cover-More offer for travel insurance in Europe and the UK?
• What benefits do Cover-More’s international travel insurance plans include?
• Should I buy a Cover-More Annual Multi-Trip Policy for Europe and the UK?
• Does Cover-More travel insurance cover European cruise holidays?
• Does Cover-More travel insurance cover snow sports?
• Does Cover-More travel insurance cover riding a motorcycle or moped?

Does Cover-More travel insurance cover terrorism?

Who do i call in an emergency in europe and the uk.

• Travel tips for Europe and the UK

Whether you’re backpacking between cities, exploring quaint villages, soaking up history or soaking up the sun on glorious Mediterranean beaches, it’s important to consider safeguarding your trip to Europe and the UK from Australia with travel insurance.

Sadly, incidents can – and do – occur while you’re travelling, and the right travel insurance policy for your trip can help protect you financially when the worst does occur.

If your UK and European holiday is protected by travel insurance, you’ll likely have cover for several important benefits, including lost, stolen, or damaged luggage, missed flights, travel delays, emergency overseas medical expenses, rental vehicle insurance excess cover, and much more.

This means you’ll have financial help and assistance support should you slip on rocks at the beach in St Tropez and break your wrist, miss your train from London to Edinburgh for reasons outside your control, or damage your rental car in Paris.

Does Cover-More offer travel insurance for Europe and the UK?

We know that every traveller – and every holiday – to Europe and the UK is different, so we offer three different international travel insurance plans to suit various trip styles and budgets.

Once you’ve chosen the best travel insurance plan for your Europe and UK trip, you can also choose to customise your policy by varying your cover to include activities not already included in your policy for an extra premium.

Our travel insurance plans for the UK and Europe:

International  Basic

International  Comprehensive

International  Comprehensive+

Cover to help you tailor your travel insurance policy to suit your holiday:

• Motorcycle/Moped Riding Cover
• Snow Sports Cover
• Adventure Activities Cover

For more information on international travel insurance plans for Europe and the UK, visit our compare plans page or get a quote online now.

What benefits do Cover-More travel insurance plans include?

Our international travel insurance plans provide many useful benefits for you to consider for protecting your trip to Europe and the UK. Our benefits and coverage levels vary across our three plans – all you need to do is find the best level of travel insurance cover for your trip.

Compare our travel insurance plans and benefit levels for trips to Europe and the UK:

*Sub-limits apply. Please refer to the PDS for full policy conditions.   ~Cover will not exceed 12 months from onset of the illness, condition, or injury.   ^ Cover chosen applies per policy.   ^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.   †Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.  •Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if You wish. See PDS for full details.

For full details of terms and conditions, limits, sub-limits, and exclusions that apply, please read the PDS before purchasing our travel insurance for your trip to the UK or Europe.

Ready to get a quote? You can generate a quote online now.

Should I buy an Annual Multi-Trip policy for Europe and the UK?

Are you a frequent traveller? If you regularly travel to the UK from Australia – or to other parts of Europe and around the world – you may wish to consider purchasing one of our  Annual Multi-Trip (AMT) Plans .

Available on both our Comprehensive and Comprehensive+ Plans , an AMT policy can be an ideal choice for travellers who have multiple holidays planned over a 12-month period and want all their trips (up to a selected duration) to be covered under one policy. For more information – including and limits on trip lengths – visit our Annual Multi-Trip page  and Annual Multi-Trip FAQs page before your trip to the UK and Europe.

Does Cover-More travel insurance cover European cruises?

Are you planning on seeing some of Europe’s most scenic cities from aboard a cruise? We don’t blame you – European cruise holidays are a fantastic way to explore multiple destinations across the continent with greater ease.

Plus, with so many wonderful options to choose from – such as cruising the Greek Islands in the Mediterranean, the Norwegian fjords, or the British Isles – there’s a European cruise holiday for everyone.

At Cover-More, it doesn’t matter if you’ve opted to choose our Basic, Comprehensive, or Comprehensive+ travel insurance for your European trip, if you advise us during the purchase process that you are travelling on a cruise of two or more nights, Cruise Cover will be included on your policy for an extra premium.

So, whether you’re taking a short cruise during your European adventure or wish to cruise throughout your entire trip, you’ll need to declare you’re travelling on a cruise for cover to be applied to your policy.

For more information on what cover is provided – including unexpected onboard medical costs and cabin confinement – visit our Cruise Cover  and Cruise Cover FAQs page, plus read the PDS .

Does Cover-More travel insurance cover snow sports in Europe?

Winter is a magical time for Australians to visit the UK and Europe. From snow-dusted villages and vibrant Christmas markets to outstanding ski resorts with lively après ski scenes, a European winter holiday is often like a fairy tale for Aussie travellers.

If you plan on hitting the slopes during your time in Europe, you can add our Snow Sports Cover option to your travel insurance policy for an additional premium.

Our Snow Sports Cover can provide cover for any accidents or injuries that are sustained when skiing, snowboarding, cross-country skiing, or snowmobiling, possibly helping you avoid any unexpected medical bills and get you the help you need, fast.

For more information, visit our Snow Sports Cover and Snow Sports Cover FAQs page. We recommend you read the PDS before purchasing our travel insurance for European snow trips to ensure it’s the best fit for you.

Does Cover-More travel insurance cover riding a moped or motorcycle?

If you’re planning on zipping through the bustling streets of Rome on a moped or exploring the Greek Islands on a motorcycle, you may want to consider adding our Motorcycle/Moped Riding Cover to your travel insurance policy for an extra premium. Cover for riding mopeds or motorbikes is not automatically includes in our plans.

At Cover-More, we offer two levels of cover for riding motorcycles or moped during your European or British holiday:

• Motorcycle/Moped Riding Cover : for engine capacity 250cc or less
• Motorcycle/Moped Riding+ Cover : engine capacity unlimited (conditions apply)

For in-depth information on each level to help you understand if our cover is suitable for your trip to Europe and the UK, visit our  Motorcycle/Moped Riding Cover  page.

Planning on only being a passenger on a moped or motorcycle? You’ll still need to include this option in your policy for cover to apply.

We recommend you read the PDS before purchasing our travel insurance cover for your European trip, as several terms, conditions and exclusions apply to our Motorcycle/Moped Riding Cover.

Want to generate a quote? Get a quote online  to see how affordable protection for Europe and the United Kingdom can be.

Sadly, even though Europe and Britain are beautiful places to visit, terrorist attacks can – and do – occur in this part of the world. 

If you plan to travel to the UK or Europe from Australia, our international travel insurance plans can help provide support related to acts of terrorism. All three plans provide cover for emergency overseas medical expenses and additional expenses if you are a victim of a terrorist attack, plus access to our 24/7 Emergency Assistance team.

If you are travelling on either of our Comprehensive or Comprehensive+ Plans and have included cancellation cover in your policy, we can also provide financial support if your UK or European holiday needs to be cancelled because of an act of terrorism.

To understand if any terrorism-related or general travel alerts may affect your trip or your travel insurance policy, we recommend you check our Travel Alerts section prior to and during travel to the UK and Europe.

If you require immediate medical attention or have been a victim of crime, please contact the relevant local emergency services:

• In Europe, the emergency services number is 112
• In United Kingdom, the emergency services number is 999

If you need our support, you can contact our  Emergency Assistance team 24/7  on +612 8907 5619. If you’re in the UK, you can also use this local number: 0800 892 014.

Our expert  Emergency Assistance team can help you in several ways, including if you need hospitalisation like our Cover-More customer Steve.

Steve needed our team’s help when he slipped on black ice while in London, which caused irreparable damage to his hip. He required a full hip replacement in the UK, and then business class flights home once he was “fit to fly”.

His travel insurance claim totalled over $20,000, but thankfully we were there to take care of the bill so Steve could focus on recovering.

“Cover-More was so helpful from the time of Steve’s accident right through to when we arrived home. They were just so calm and in control throughout the whole process, which was a huge comfort to us.” – Kathryn, wife of our customer Steve.

To protect your European and UK trip, get a travel insurance quote online now.

Looking for Europe and UK travel tips?

There is so much to see and do in Europe and the United Kingdom – it can be hard figuring out where to start.

To make it easier for Australians travelling to the UK and Europe, we’ve put together a helpful travel guide for your upcoming trip.  Read our travel tips here.

Want us to protect your European holiday?

Find our best travel insurance cover for Europe and the UK trips today.

Material on this website is provided for informational purposes only. It is general information and discussion about medicine, health and related subjects may not apply to you as an individual and is not a substitute for your own doctor’s medical care or advice. The words and other content provided on this website, and in any linked materials, are not intended and should not be construed as medical advice. If the reader or any other person has a medical concern, they should consult with an appropriately licensed physician or other health care worker. Nothing contained on the website is intended to establish a physician-patient relationship, to replace the services of a trained physician or health care professional, or otherwise to be a substitute for professional medical advice, diagnosis, or treatment. The views and opinions expressed on this website have no relation to those of any academic, hospital, practice or other institution with which the authors are affiliated. They do not necessarily reflect the opinions of Cover-More Insurance Services Pty Ltd.  Never disregard medical advice or delay seeking medical care because of something you have read on or accessed through this website. If you think you may have a medical emergency, call your doctor or emergency services immediately.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

UK Travel Insurance

What's covered | What's not | Reciprocal healthcare | Working holiday visa | Brexit & Schengen visa | How to save | UK helpers | UK travel insurance FAQs

Is London calling? If you’re pining for all things Pommy you’re not alone. Over 500,000 of us Aussies are drawn there each year!

Do you have a craving for Pimm’s and pies? Bet you can’t wait to explore cosmopolitan London, or take in the sights of Stonehenge. Perhaps you’ve got a touch of Welsh wanderlust or a hankering for bonnie Scotland? With more history than you can shake a stick at, the UK is perfect for those seeking a peek at times gone past. The UK keeps it in the family too, with four fascinating countries all within reach for the price of one. Plus, with Europe right on London’s doorstep, Paris is just a hop, skip and a jump away! C'est tres bon!

Now we don’t like to think of holidays as risk-taking ventures, but the truth is, new (slightly chillier) environments and unfamiliar territory can throw any traveller for a loop.

But when you’re a whopping 15,000 kilometres away from home a lot can go wrong. Flight delays, missed connections and lost luggage can muck up your trip faster than a London taxi!

Don’t let bad luck sour your experience - make sure you pack travel insurance along for the ride.

WHAT DOES UK  TRAVEL INSURANCE COVER?

24/7 Medical assistance

You can never predict when accidents or illness will strike and while your medical bills may be covered while you’re in the UK, they wouldn’t be in Europe. Fancy a spur-of-the-moment sojourn to Switzerland? A split-second accident could send your holiday overboard.

Cancellation cover

Travel insurance will cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury. Incidents that are beyond your control will usually be covered.

Lost or damaged Luggage

Anything’s worth getting that perfect picture of Wills and Kate at Buckingham palace until you drop and break your camera. Your travel insurance policy will reimburse you for lost, stolen or damaged luggage. 

Travel delays

The UK is a very long way away! Even booking direct flights with the same airline means there are high risks of travel delays and cancellation. Although travel insurance wouldn’t pay for new flights if your flight was delayed (your airline is responsible) your cover will reimburse you for any delay expenses. Conditions apply. 

Travel documents

No doubt you'll also be traversing around Europe whilst being in Blighty. How fun! However, lots of travelling means more opportunities to lose your essential travel documents. Luckily your travel insurance can cover to get them replaced if they are lost or stolen.  

Personal liability

If you injure someone or are held accountable for damaged property in the UK (like crashing your hire car into a parked car for example) the consequences would be less than brilliant. In such an event, your policy will cover your liability costs to a degree. 

what it doesn't

• High risk activities: Ready to get undone in the UK? The region is full of high-octane adventure sports. From rock climbing in the Brecon Beacons, windsurfing on the Thames, to canoeing in the Cotswolds, there’s plenty of choice for adrenaline junkies seeking a fix. But watch out, as participating in particularly risky activities such as climbing (where ropes are needed), or open water sailing may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered !
• Pre-existing conditions : Medical conditions that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.
• Unattended items : Staying in a hostel, or travelling in a group? Keep a strong hold over all your belongings as leaving your stuff unsupervised will not be covered for. That also means not leaving your stuff with your brand new chums!  
• Being intoxicated : Rarely a social occasion goes down in the UK without a pint. Planning a big British bender? Keep in mind that all claims related directly to alcohol and drugs will not be paid.  
• Terrorism and travel warnings : While the chances of getting caught up in riots or an act of terrorism are small, it’s still a good idea to keep up to date with travel advisories on sites like smarttraveller.gov.au.  Generally travelling against DO NOT TRAVEL warnings from the Australian Government will jeopardize your cover.  
• Unreported items: You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

reciprocal healthcare  

Under the reciprocal healthcare arrangements, Australians may be covered for medical costs by the UK public system, the NHS. To be eligible for free treatment you’ll need to show both your Australian passport and your Medicare card. You’re covered for: •    Care from an NHS doctor or nurse at a GP surgery - you need to register as an NHS patient •    Care in a public ward of an NHS hospital •    Out-patient care at an NHS hospital •    Ambulance travel to an NHS hospital or other NHS facilities •    You might have to pay for prescriptions.  

working holiday visa travel insurance  

Generally speaking, Aussies don’t need a visa to travel to the UK, provided you’re not staying longer than 6 months. However, if you’re one of the thousands of young Australians heading to Blighty for the two-year working holiday visa you’ll need to do some additional research in terms of getting cover.  Most standard single trip policies in Australia only provide cover for a maximum of 12 months in duration. If you do some research, you’ll find some policies will cover for longer - up to 18 months to two years in duration. Click here to learn more about two year travel insurance. Aussies eligible for the two-year visa can apply if: •    You hold an Australian passport •    You are aged between 18 and 30 years (inclusive) at the time of applying •    You have no dependent children accompanying you •    You have a return ticket, or sufficient funds for a return or onward fare  •   You have sufficient funds for the first part of the holiday.

br ex it (& schengen countries)

How to  save on uk travel insurance.

• Choose your destination wisely – You might be able to save yourself a few quid by finding an insurer that classes the UK in its own price bracket, rather than grouped within Europe.  
• Consider how often you travel - If you travel a few times per year, you could save by purchasing an annual multi-trip policy rather than purchasing a policy each time you take off.  
• Combine policies - If travelling with your family or a companion, a joint policy is often cheaper than purchasing separately.  
• Increase your excess - Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.   
• Shop around - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your travel insurance direct. Doing your comparison online will allow you to compare loads of travel insurance quotes in seconds. Yippee!  
• Pick the right level of cover  - Whether you're a budget-conscious backpacker, or after the posh experience, it's important to pick the right cover for your trip, or you could end up paying more later.  
• Compare your travel insurance -  The cost of travel insurance can vary enormously! Say you’re 30 (ish) years old and you’re going to the UK for a three-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $35 to $250 . Remember, when comparing policies, it's important to consider benefits, as well as costs.

UK Travel  facts

Found yourself in a spot of bother? The following emergency contacts should come in handy.

Australian High Commission, London Australia House The Strand London WC 2B 4LA +44 20 7379 4334 uk.embassy.gov.au London Information Centre Leicester Square London Greater London +44 20 7292 2333 londoninformationcentre.com Edinburgh and Scotland Information Centre 3 Princes Street Edinburgh Lothian EH2 2QP +44 845 22 55 121 edinburgh.org Cumbria Tourism Windermere Road Staveley Kendal Cumbria LA8 9PL +44 1539 822 222 golakes.co.uk

8 fast facts about the UK

• Capital: London
• Currency: Pounds Sterling
• Language: The main lingo is the Queen’s English of course. But you can practice your Gaelic too if you’re a couple of pints deep…
• Country calling code: +44
• Nature: Natural wonders in the UK are plentiful. For spectacular scenery check out the Scottish Highlands, the Devonshire Moors, the Gower in Wales or the quaint Cotswolds - all are big Aussie tourist attractions you shouldn't miss.
• History – Edinburgh Castle, The Tower of London, Warkworth Castle to name but a few...the UK has more castles to explore than hot dinners! Got a touch of royal fever? Wales is believed to have more castles per square mile than anywhere else in the world.
• Food & drink: You can’t pass up the classics when you’re in Blighty. Make sure to snag some proper fish and chips (wrapped in newspaper of course), or cozy up for a country pub roast beside a roaring fire. Those wanting to grow a few hairs on their chest shouldn’t pass up the chance for some haggish when in Scotland, or a pint of Guinness in Ireland.
• The most famous Welsh town name is Llanfairpwllgwyngyllgogerychwyrndrobwllllantysiliogogogoch. Yep, that’s a real place

uk TRAVEL INSURANCE Faq'S

How much does travel insurance to the uk cost.

It will largely depend on your age and how long you're going for. Comprehensive Travel Insurance to UK for 7 days for a 30 year old can cost as little at $25. That's peace of mind for $3.50 a day. A small price to pay for you to enjoy your holiday knowing you're protected should the unexpected happen.

What does travel insurance to the UK cover?

A UK comprehensive travel insurance policy will cover you for unexpected accident or illness, lost luggage or theft, unforeseen trip cancellation and much more.

Do I have to get travel insurance for the UK?

Don’t become complacent because reciprocal healthcare agreements are in place, a myriad of things can go wrong on your trip. Lost luggage, trip cancellation, family emergencies are just a handful of things can put a spanner in your holiday plans.

Does UK travel insurance cover me for a terror attack?

Whilst many insurers have general exclusions in regards to acts of war, most will still cover you medically if you are injured in a terror attack. Learn more about travel insurance and terrorism.

OTHER HANDY  Tips & Guides

Thailand Travel Insurance

Travelling to Thailand? Don't let a poor Padthai upset your holiday. Compare and save on Thai travel insurance today.

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With its soft sandy beaches, wild nightlife, exotic cuisine and more cultural quirks than you can shake a stick at, it’s no wonder more than 800,000 Australians are drawn to Bali each year.

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Compare travel insurance for Singapore and save time, worry and loads of money! Compare over 20 top Aussie insurers. Policies from as little as $22.

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AHM, AllClear, Allianz, Amex, Australian Seniors, Australia Post, Boomers, Budget Direct, Bupa Australia, CommInsure, Cover-More, Easy Travel Insurance, Everyday Insurance from Woolworths, Fast Cover Travel Insurance, Flip Insurance, Freely, Go insurance, Insure4Less, InsureandGo, Jetstar, Kogan, Medibank Private, NIB, NRMA, PassportCard, Qantas, RAC, Real Insurance, SCTI, Ski-Insurance, Tick Insurance, Travel Insurance Direct, Travel Insurance Saver, Travel Insuranz, Travel Protect, Webjet, Westpac, Wise and Silent, World2Cover, Worldcare, World Nomads, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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• Travel insurance for Australia

Heading down under for a trip to or around Australia? Make sure you’ve got the right level of travel insurance cover for where you’ll be going and what you’ll be doing.

Here we’ve looked at some of the travel risks and safety concerns cover may help guard against, plus how Brits can access medical care in Australia, and notes on the local culture and getting around.

Visiting Australia can be a thrilling, once-in-a-lifetime experience for many Brits. With it being almost as far from the UK as it’s possible to be, you might want to do and see as much as you possibly can when you’re there.

From a travel perspective, Australia is well-known for backpacking trips that can take anything from 6 months to 2 years. People often get working visas that enable them to do labouring or other types of casual work while travelling to help supplement their travel, but it’s important to point out that travel insurance might not cover work-related incidents.

Going for 6 months or more isn’t a bad idea considering the immense size of Australia and the sheer number of things there are to see and experience while down under. However, there are numerous organised holidays available that take in some key areas over a period of 3 or so weeks. This, too, needs to be researched from a travel insurance perspective, as many of these package deals involve activities that may not be automatically or fully covered on your policy.

The currency of Australia is the Australian dollar . You can also use a prepaid travel money card to easily access your holiday money.

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Healthcare for brits in australia.

There is a reciprocal healthcare arrangement between the UK and Australia for UK nationals. This entitles tourists to a basic level of subsidised healthcare but is no substitute for good travel insurance. There are a number of exclusions on the agreement that you will need travel insurance to cover, such as ambulances, air ambulance or medical evacuation, medicines when you are not an in-patient in a hospital or non-emergency care. This means that you would not be covered for any illness that does not need urgent care. But not needing urgent care does not mean that a condition doesn’t need any care, so it is absolutely vital to have good travel insurance to be covered.

The reciprocal arrangement doesn’t cover pre-existing medical conditions , nor does it cover people who aren’t registered as visitors – for instance, people who are studying in Australia.

Healthcare in Australia is comparable to that of the UK. If you have a medical emergency, dial 000 and ask for an ambulance. It is always important to contact your travel insurer promptly to make them aware of the situation. For any medical treatment, you will need to bring your passport with you.

Due to Australia’s size, there are areas where medical facilities are difficult to get to and an ambulance can take a long while to arrive. It’s therefore important to try and mitigate the risk of injury and medical issue as far as possible when travelling to more remote areas. Before setting out to an out-of-the-way destination, be sure to research what local facilities there may be.

Travel risks in Australia

The risk of crime in Australia is low and similar to the UK . In large cities, theft is present and the usual vigilance that one would take for a day out in London is sensible. There are instances of theft from lockers in some hostels, so taking appropriate precautions such as bringing your own padlocks can help deter would-be thieves.

Many travel risks occur when in remote areas, as well as during travel to them. The weather can be dangerously hot for those without protection and Australia is home to an array of dangerous creatures, from small ones such as snakes, spiders and insects to giants like crocodiles, sharks and jellyfish.

It’s advisable to take a form of sun shelter if you are travelling in national parks or areas of expanse. Always carry a plentiful supply of water and a first aid kit. Due to the size of Australia, it’s vital to get local advice about what dangers there are and how to avoid them for where you are and what you are planning to do.

Dangers in the sea include rip currents and other treacherous waters, some of the most dangerous jellyfish on earth, lethal octopodes, sharks and occasionally intense weather. It’s vital to make sure you know what you’re dealing with whenever you encounter the sea by learning how to read signs and what to do in case of an emergency. BeachSafe have a comprehensive guide that it’s important to read/watch.

There are dangers to swimming in rock pools and rivers posed by seasonal weather changes. Always make sure there is sufficient depth to water before jumping in and that the currents are swimmable.

Australian culture

There are many things that the Brits and Australians share culturally, but there’s enough difference to give most Brits a real sense of being somewhere totally new. There are a few things that might help you find your feet, however.

Australian social culture is more focused on the outdoors than in the UK, no doubt in part due to the difference in weather. You might find you need more sun cream than you expect, but it is also more changeable and can have greater extremes than the UK. It’s a good idea to keep an eye on the weather forecast for a while before you go, particularly if you’re travelling in the Australian winter (June to August). In the tropical north, be aware of the wet and dry seasons.

Australia is a very active culture, and there is always a lot to do – much of it outdoors. This can mean you get a huge amount out of your trip. Drinking culture isn’t dissimilar to that of the UK, however there are far stricter rules around drunkenness and the purchasing of alcohol.

If you’re a backpacker, look for backpacker discounts with things like transport and activities. Since backpacking is a large part of Australian tourism, lots of places will offer incentives for travellers.

Getting around

In major cities, public transport is reliable and affordable. Train travel in the suburbs of cities is available, however long-distance rail travel can be very expensive and is not necessarily the fastest option. For those who enjoy the romance of lengthy rail journeys, it might be a consideration, so book early online to get the best fares. Long-distance travel is quickest by air. Renting a car in Australia usually only requires you to have a valid UK driving licence. It’s necessary to have your driving licence and passport on you whenever you drive.

Be aware of the road surfaces that you are going to use on your journey. Your insurance may be invalid if you drive on ‘unsealed’ roads.

The drink drive limit in Australia is 0.05% blood alcohol concentration (BAC), which is 0.03% less than England and Wales (but the same as Scotland). As it is hard to know how much that equates to in terms of drinks, it is best not to drink at all if you are going to drive.

Driving long distances can be an amazing way to see Australia, however it can also be hazardous, so ensure that you’ve planned your route thoroughly, including when to take breaks and where to stop.

Make sure you have the most up-to-date information about the weather during your journey and leave details of your route with someone who could rapidly organise rescue if something went wrong, such as your hotels or accommodation at either end. Seek local advice about driving your route in case there is insider knowledge about potential risk you can’t find elsewhere. Always travel with two spare tyres and a repair kit.

Try to avoid travelling during extreme heat. And, for long drives, take regular breaks and do not drive when overtired.

Getting stranded in a remote part of Australia can be extremely serious. Take every precaution you can and research the speed limits, which vary between states and territories.

Do I need travel insurance for Australia?

Most visits to Australia are problem-free for Brits. However, when things go wrong, they can go very wrong indeed. It’s therefore crucial to have good travel insurance that offers comprehensive coverage.

Getting travel insurance in place for your trip to Australia will help to safeguard against potentially disruptive events that could happen while you’re there, however unlikely they may be or seem.

For instance, you might need emergency medical care if you’re injured, fall ill or are stung or bitten by a venomous animal on your travels. As you rack up expensive bills for treatment, you’ll at least have the comfort you can claim back the costs on your policy.

A good policy will also cover cancellation costs, provide protection in the event of delay and some other types of disruption, including cover for Covid-19 related disruptions . It will also reimburse you for the replacement costs of lost, damaged or stolen items like passports or luggage.

If you’re backpacking, you might want to look into backpacker’s insurance . You should also think about the activities you’re going to be taking part in, as they may be very varied. Check them against your policy to make sure you’re covered and can have the best holiday possible. If you’re not covered for something you want to do, such as a cruise, skiing or other outdoor and higher-risk activities, try to find out if there is an add-on you can buy that will give you cover.

Bring your policy document with you so that you can check your coverage should you spontaneously want to get involved in an activity. Australians take safety very seriously, but it is always wise to make sure the activities you’re undertaking are run by licensed groups.

If you’re travelling on a working visa, remember that lots of travel insurance policies won’t cover you for manual labour. Make sure that you understand the risks involved with the work you undertake and its implications for your travel insurance before committing.

Always check the latest travel advice

Before you travel, check the latest Foreign, Commonwealth and Development Office (FCDO) advice  for your destination, as travelling against this advice may invalidate your travel insurance.

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

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• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
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• Cover for transport incidents
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• Additional expenses for a special event
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• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
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• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
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This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

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AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

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Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

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NRMA Essentials

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RAA Essentials

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RAA Premium

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RAC Medical Only

RACQ Annual Multi-Trip

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RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

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Travel Insurance for Australia

• Full access to HealthHero - a 24/7 GP via telephone and video based in the UK
• Up to £10m Emergency Medical expenses covered
• Personal liability covered over £1m on all policies
• Over 23,000 UK travellers covered in 2022 for journeys across the globe

Australia is a unique country that's home to glistening monuments like the Sydney Opera House, vast plains and blue waters packed with exotic marine life. During your trip, you can see rock artwork that's over 20,000 years old in the Kakadu National Park, learn how to scuba dive at the Great Barrier Reef or explore Sydney's famous skyline.

Australia's Aboriginal culture is something most visitors love to explore. The Aboriginal people come from over 500 different first nations, and they're the inheritors of the longest continuous culture on earth. You can head into the outback to learn about Aboriginal culture, but many people choose to take a walking tour, admire the local art or try a bush-tucker experience.

Australia offers a warm climate making it the perfect place to enjoy a beach break, too. Luckily, you're never far from one. Sydney has Bondi Beach and Manly Beach within 25 minutes of the city centre, and both of these are regularly voted as being among the best in the world.

If you'd rather discover beauty off shore, then the Great Barrier Reef is the place to be. It stretches for over 2,000km and contains beautiful coral networks, gliding rays and tropical fish of every colour and size. You can either head on a glass-bottomed boat ride, or snorkel and come face-to-face with the fish below the surface.

There's just as much wildlife to see and discover on dry land, too. Many tourists love Australia's wildlife parks like Kangaroo Island and Daintree Rainforest. You'll never forget watching kangaroos bound across the field and seeing the koalas hugging the trees.

Culturally, Australia is very similar to the UK and it's a member of the Commonwealth, so the King is  still the head of state. English is the de facto national language, so you'll have no problem communicating with the locals. The Australian Dollar is the national currency, and you can either exchange your money before you travel or exchange it while you're in Australia.

Whatever you plan on doing in Australia, it's important that you get travel insurance to protect yourself against unforeseen eventualities.

Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

What does our travel insurance for Australia cover?

• Cancelling or curtailing your trip
• Emergency medical and associated expenses
• Loss of passport*
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

Frequently Asked Questions

The type of travel insurance that's best for you will depend on a range of factors. Firstly, it will depend on how long you plan to travel for, and how often you plan to travel. If you're only going to Australia once this year, a Single Trip travel insurance policy may be best suited to your needs

But if you're visiting Australia as part of a gap year or a career break, and you plan on staying for more than 180 days, then you may find that Backpacker insurance is a better fit. Or, if you're planning on taking multiple holidays in the calendar year, then you may find that Annual travel insurance cover is more appropriate.

Another thing to think about is who you're travelling with. For example, if you're taking your whole family to Australia, then our Family travel insurance allows you to put everyone on the same policy. Alternatively, if you're heading to Australia with a large group of friends, then our Group travel insurance lets you put your travelling party on the same policy. 

Getting appropriate travel cover for a trip to Australia can protect you in the event of a medical emergency, lost luggage, trip cancellation and many more incidents that could arise on your travels.

The cost of travel insurance for Australia will vary depending on a number of personal factors. Each quote is tailored specifically to you and your travelling party. Considerations include:

• The age and number of people travelling
• Whether any of the people travelling have a pre-existing medical condition they need to declare, as this will affect their eligibility
• The level of cover selected
• Whether any additional cover is required

To find out exactly how much your Australia travel insurance will cost, get a quote today.

If you’re visiting Australia for a holiday, then you’ll need a visa. There are two ways that you can get an Australian visa for your visit:

• An eVisitor visa direct from the Department of Immigration and Border Protection. There is no visa application charge or service fee for this
• Electronic Travel Authority (ETA) via your travel agent or airline. There is no visa application charge, but a service fee of A$20 applies 1

If you’re aged 18 to 30 (inclusive), then you can also work in Australia to help fund your trip. But you’ll need to apply for a working holiday visa from the Department of Immigration and Border Protection. If you’re applying for this kind of visa, then please remember that you’ll need working holiday insurance for Australia. Our Australia travel insurance can cover you for non-manual work, including professional, administrative or clerical duties  (although claims under the personal liability section will be excluded) . 

If you’re unsure which visa you need for your visit, then you can visit the Department of Immigration and Border Protection website . After answering some simple questions about your trip, they’ll show you the visas that are best suited to your needs.

1 Source: .Gov.uk

The UK has a reciprocal health agreement with Australia that entitles you to reduced-cost hospital treatment and medicines. But to be eligible, you’ll need to enrol in Medicare by contacting a local Medicare office in Australia.

Please be aware that Medicare doesn’t cover everything; it isn’t a substitute for an Australian travel insurance policy. For example, it doesn’t cover pre-existing medical conditions, or illnesses and injuries that require non-urgent medical attention. But it’s still a good safety net if you fall ill and need urgent care.

If you’re making a claim for a refund under the Medicare scheme, you’ll have to make the claim before you leave Australia. If you make use of the reciprocal health arrangement and it reduces your medical expenses, you won’t have to pay an excess on the medical section of your Australia travel insurance policy. 

When you visit Australia, you need to be up to date with vaccination courses and boosters recommended for life in the UK. You should also see your healthcare professional 6-8 weeks before you travel, to see whether they recommend any other vaccinations.

It’s recommended that most travellers receive a tetanus vaccination before they travel. If you’re seen as being at an increased risk of an infectious disease due to your work, lifestyle choices or underlying health conditions, then your healthcare professional may also recommend hepatitis B, Japanese Encephalitis and rabies vaccinations. 2

2 Source: TravelHealthPro

Many sports and leisure activities are covered on our standard travel insurance policies at no additional premium. We are unable to provide cover for riskier sports and leisure activities like kite surfing and rugby. This is a temporary measure while we make improvements. Please keep an eye on the Allianz Assistance website in the future so you are aware when we are able to offer this additional cover again.

Whether you fancy snorkelling in the Great Barrier Reef, scaling Sydney Harbour Bridge or surfing in Byron Bay, you’ll be pleased to know that a number of sports and leisure activities are included as standard in our travel insurance policies. 

To understand exactly which sports and leisure activities are included within our policies, and to see any terms, exclusions and conditions that apply, please consult your policy documents or the policy information hub .

Popular products from Allianz Assistance

Annual Multi-Trip Travel Insurance

Single Trip Travel Insurance

Backpacker Travel Insurance

Sports & Leisure Insurance

Travel Insurance for Medical Conditions

Family Travel Insurance

Travel Insurance for Seniors

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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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Travel Insurance Australia

Planning the trip of a lifetime down under.

Let Admiral Travel Insurance help you make the right kinds of memories.

Australia offers an abundance of experiences and natural beauty, from tropical coral reefs, luscious rainforests and white sandy coastlines to Ayers Rock and its scorched red deserts.

If that's not enough, it's also home to vibrant metropoles and cultural hubs, including Sydney, Perth and Melbourne.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Travel Insurance Australia: what cover do I need?

Read the full list of benefits in the policy summary booklet .

The travel insurance you need largely depends on the type of trip you're taking, how long you're going for and your destination.

We offer two options when it comes to worldwide travel insurance :

• Worldwide excluding USA, Canada, Caribbean and Mexico

Popular stop-over destinations for Australia include:

If you're planning to visit one of these countries as well as Australia, our worldwide insurance will cover you here, too.

Most of us would count going to Australia as a special holiday so, if this is your only trip away this year, our single trip insurance is a good option. It provides cover for a continuous trip of up to 365 days – which also makes it ideal if you're planning a much longer stay, such as a backpacking holiday or a gap year .

On the other hand, if you're thinking of going on several trips within the year, our annual multi-trip travel insurance will allow you to come back to the UK in between, with the cover remaining in place each time you return to Oz (up to maximum of 31 days per trip).

With both types of insurance, we offer three levels of cover, allowing you to tailor your insurance to suit your specific needs.

Healthcare in Australia

If you become injured or unwell in Australia, you can take advantage of the reciprocal healthcare arrangement that exists between Australia and the UK.

This means if you're a British passport holder, you're entitled to limited subsidised health services for any medically necessary treatment during your stay.

The standard of hospitals and healthcare in Australia is excellent. Be warned, however, that the reciprocal partnership is no substitute for Australia travel insurance, particularly if you need to be flown home in an emergency or you're the victim of theft.

Visit your GP four to six weeks before you leave for Australia to see if you need any vaccinations.

You can also check up-to-date travel health information and recommendations specifically for Australia and other countries on the TravelHealthPro website .

Will my Australia travel insurance cover adventure sports?

Admiral Travel Insurance provides cover for a range of adventurous activities, including surfing and snorkelling as standard. However, when planning any adventure sports, double check you're fully covered by reading your policy booklet .

Australia's incredibly diverse terrain means there's a host of activities available to enjoy across the country. You can:

• Scuba dive the Great Barrier Reef
• Go canyoning in the Blue Mountains
• Experience white water rafting on the Tully River
• Go surfing, paragliding, climbing, sky-diving, trekking, hot air ballooning, bushwalking… the list is endless!

Skiing may not spring to mind when dreaming of Australian weather, but if you're in the know about the popular Thredbo resort between Sydney and Melbourne, don't forget to add skiing insurance .

Similarly, if you're planning to see the Australian shores from the comfort of a cruise ship, you'll need to add our cruise cover .

Working in Australia

Like many travellers, if you're going to be in the country for an extended stay, you might decide to get some temporary work to help fund your ongoing expenses.

When looking for work, it's worth bearing in mind that, while we provide cover if you get a job working in an office or waiting tables, any paid or unpaid manual work – such as volunteering on a farm in exchange for accommodation, for example – won't be covered.

Final tips for visitors

We recommend taking out travel insurance as soon as your trip is booked. This way, you’re covered if you need to cancel your plans for any reason. We also provide cover if you need to cut short your trip in an emergency.

You need a visitor visa to enter Australia and you need to apply for it in good time. Depending on the type of tourist visa you need, it can take more than 45 days to process, so applying early will lessen any stress!

Also, remember to cover your gadgets. Now a holiday essential, they capture those once-in-a-lifetime moments and help us to stay in touch with our loved ones back home.

You can add our gadget travel insurance upgrade to your policy to protect your tech should it get lost, stolen or damaged during your trip. This will help to make sure that your holiday is truly memorable for all the right reasons!

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past 2 years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Your questions answered

Is australia in europe.

No, it's not. You’ll need to have at least Worldwide excluding USA, Canada, Caribbean and Mexico cover if you're travelling to Australia.

Do I need travel insurance for Australia?

Having cover when you travel isn't a legal obligation, but consider if you could pay the medical bill if something happened. In Australia, getting you home with a broken leg can cost £12,000 . See our Getting Ill Abroad map for more information on medical costs for common illnesses in holiday destinations .

Do I need travel insurance for working holiday in Australia?

It’s always best to have insurance when you go away, but you need to make sure you’re covered to work too. We cover you if you’re working in an office or waiting tables, but any paid or unpaid manual work isn’t covered .

Do you need any vaccinations to go to Australia?

If your routine vaccinations are up to date, you’ll need no extra jabs to visit Australia.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations .

Will my Australian travel insurance include cruise cover?

If you need cruise cover, you’ll need to add it to your policy as an upgrade. Find out more about our Cruise Travel Insurance upgrade.

Can I get travel insurance for Australia with a pre-existing condition?

If you have pre-existing conditions, you can still travel to Australia – you just need to declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions .

Getting the most out of your trip

Going anywhere nice.

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

Travel insurance that suits you

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

Family Travel Insurance

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

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

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance, need help with your quote give us a call..

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Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.

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AIG Travel Guard Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

AIG Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits. If you're looking for travel insurance, consider Travel Guard .

AIG Travel Guard Travel Insurance Summary

AIG Travel Guard is among the best travel insurance companies with impressive coverage limits, even with its basic plan, Travel Guard Essential. It's emergency medical evacuation coverage is particularly high, making Travel Guard a good choice for insuring cruises, as sea to land evacuations are often expensive. 

Additionally, Travel Guard's Premium and Deluxe plans offer coverage that many of its competitors don't, such as its travel inconvenience coverage and ancillary evacuation coverage.  

That said, Travel Guard is on the pricey side, compared with its competitors. While age is often a factor in your insurance premiums, Travel Guard tends to quote older travelers higher rates than its competitors. However, you often get what you pay for. In Travel Guard's case, you'll find that its coverage justifies its higher rates. 

While great coverage is important, it's also crucial that an insurance company has a smooth claims process, which Travel Guard lacks, according to its customer reviews. Across 135 reviews on its Trustpilot page, AIG Travel Guard received an average of 1.2 stars, with 95% of reviewers giving the company one star. Surprisingly, AIG Travel Guard fares even worse with the Better Business Bureau, receiving an average of 1.08 stars out of five across 301 reviews. 

Coverage Options Offered by AIG Travel Guard

AIG Travel Guard offers three primary plans: Travel Guard Essential, Travel Guard Preferred, and Travel Guard Deluxe. Each plan has different coverage limits and various types of protection.

Here's a look at what you'll get with each plan:

Depending on the policy you select, additional coverages may be included at no extra charge, such as a pre-existing conditions waiver , single occupancy fee coverage, worldwide travel and medical assistance services, and more. Be sure to check each policy closely to see what is and isn't covered.

Each of these plans also includes coverage for one child under 17 as long as their travel costs are equal to or under the adult's cost. Additional coverage does not apply to the child.

AIG Travel Guard Pack N' Go Plan

In addition to these three primary plans, Travel Guard offers the Pack N' Go policy along with an Annual plan. This policy is for last-minute travelers who don't need trip cancellation coverage.

This plan includes:

• Trip interruption and trip delay ($200 per day maximum) up to $1,000
• Missed connection up to $500
• Baggage delay up to $200 and baggage coverage up to $1,000
• Medical expenses up to $25,000 and dental expenses up to $500
• Emergency evacuation and repatriation of remains up to $500,000.

AIG Travel Guard Annual Plan

Taking multiple trips throughout the year? Consider the Travel Guard Annual plan instead of purchasing a new policy for each adventure. This plan comes with coverage for: 

• Trip interruption coverage  up to $2,500
• Trip delay coverag e up to $1,500 ($150 per day maximum)
• Missed connection coverag e up to $500
• Baggage delay coverage up to $1,000 and lost/damaged baggage coverage up to $2,500
• Medical expenses coverage up to $50,000 and dental expenses up to $500
• Emergency evacuation coverage and repatriation of remains up to $500,000
• Accidental death and dismemberment coverage up to $50,000 and security evacuation up to $100,000

Additional Coverage Options from AIG Travel Guard

Like many other travel insurance providers, Travel Guard offers add-ons for an additional cost. These can be selected while you're purchasing your policy.

The availability of these add-ons depends on the policy you're buying. Note also that some are already included in the Preferred and Deluxe plans. 

• Medical bundle — Increases coverage amounts for medical expenses and evacuation and adds hospital of choice and additional evacuation benefits.  
• Security bundle — Provides various coverages for trip interruption or cancellation due to riot or civil disorder.  
• Rental vehicle damage coverage — Reimburses a predetermined amount for physical damage to a rental car in the policyholder's name. 
• Cancel for Any Reason Insurance (CFAR) — This is just what it sounds like. Cancel for any reason coverage will reimburse 75% of nonrefundable expenses when you cancel your trip for any reason, up to 48 hours before your scheduled departure. CFAR coverage is only available for Travel Guard's Deluxe and Preferred plans. 
• Inconvenience bundle — Offers reimbursement for inconveniences like closed attractions, credit/debit card cancellation, hotel construction, and more.
• Pet bundle coverage — Daily travel benefit for boarding and medical expense coverage for illness or injury of dog or cat. Includes trip cancellation or interruption coverage if the pet is in critical condition or dies within seven days before the departure date.
• Adventure sports bundle — Removes the exclusions for adventure and extreme activities.
• Baggage bundle — Your baggage coverage with AIG becomes primary with increased coverage and baggage delay benefits. 
• Wedding bundle — Provides trip cancellation coverage due to wedding cancellation (brides and grooms not covered).
• Name a family member bundle — One person can be named as a Family Member for the purpose of family member-related unforeseen event coverage.

How to Purchase and Manage Your AIG Policy

Getting a quote from AIG Travel Guard is quick and easy. Head to the AIG website and enter basic information about the trip you're looking to cover. You'll get an instant quote for the insurance plans available for your trip, so it's easy to compare each option. Be prepared to provide information including:

• Your state of residence
• Date of birth
• The cost of your trip
• Travel dates
• Destination
• Method of travel

We ran a few simulations to offer examples of how much a Travel Guard policy might cost. You'll see that costs usually fall within 5-7% of the total trip cost, depending on the policy tier you choose.

As of April 2024, a 23-year-old from Illinois taking a weeklong, $3,000 budget trip to Italy would have the following  Travel Guard travel insurance quotes:

• Travel Guard Essential: $86.96
• Travel Guard Preferred: $152.01
• Travel Guard Deluxe: $188.59

Premiums for Travel Guard's various single trip plans are between 2.8% and 6.3%, well within, and even below, the average cost of travel insurance .

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Travel Guard travel insurance quotes are:

• Travel Guard Essential: $198.77
• Travel Guard Preferred: $240.39
• Travel Guard Deluxe: $305.04

Premiums for Travel Guard's various single trip plans are between 5% and 7.6%, within the average cost of travel insurance.

A couple of 65-year-olds looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Travel Guard quotes:

• Travel Guard Essential: $471.10
• Travel Guard Preferred: $618.22
• Travel Guard Deluxe: $834.78

Premiums for Travel Guard's various single trip plans range between 7.9% and 13.9%, which is significantly higher than the average cost. That said, travel insurance is often more expensive as you get older. 

AIG Travel Guard Annual Plan Cost

Getting a quote for the annual plan requires much less information, only asking for the intended policy start date, your state of residence, and how many people you plan to insure. Quotes from AIG remained at $259 per traveler, regardless of state of residence and number of travelers.

Filing a claim with Travel Guard is a straightforward process. You'll need your policy number and can either go to travelguard.com or call Travel Guard at 866-478-8222 to start the claim. Once submitted, you can check the status of your claim at claims.travelguard.com/status.

See how AIG Travel Guard stacks up against the competition and find the right travel insurance policy for you. 

AIG Travel Guard vs. Nationwide Travel Insurance

Nationwide is a household name when it comes to insurance providers and one of the largest and most recognized insurance providers in the US. Similarly to Travel Guard , Nationwide makes it easy to find coverage by offering just two single-trip plans: the Essential and Prime plan.  

In addition, Nationwide offers plans specifically designed for cruises along with annual trip insurance for those who travel a lot throughout the year.  

The Nationwide Essential Plan comes with trip cancellation coverage of up to $10,000, up to $250,000 in emergency medical evacuation, up to $150 per day reimbursement for travel delays of 6+ hours, and coverage for delayed or lost baggage.

In comparison, the Travel Guard Essential plan covers trip cancellations with up to $100,0000 in coverage, up to $150,000 in emergency medical evacuation expenses, up to $100 per day ($500 total) for trip delays of 12+ hours, along with lost or delayed baggage coverage. 

The high-tier Prime Plan from Nationwide offers even more coverage, including trip cancellation up to $30,000, trip interruption coverage up to 200% of the trip cost (maximum of $60,000), missed connection and itinerary change coverage of $500 each, $250 per day for trip delays of 6+ hours, and up to $1 million in coverage for emergency medical evacuation

AIG's highest-tier Deluxe plan comes with trip cancellation coverage of up to $150,000, up to $1,000,000 in emergency medical evacuation, up to $200 per day ($1,000 maximum) reimbursement for travel delays of 12+ hours, and coverage for delayed or lost baggage.

As you can see, it's hard to compare apples to apples when comparing the two different insurance providers. But it helps to know the specifics of the coverages that matter most to you.

Read our Nationwide travel insurance review here.

AIG Travel Guard vs. Allianz Travel Insurance

With Allianz Travel Insurance , you can choose from 10 different insurance plans to find one that suits your needs. Like Travel Guard , it offers one-off policies for specific trips and an annual travel insurance plan for those who take multiple trips a year. Similar to AIG, too, the different plans offer varying levels of coverage. 

Allianz's most popular single-trip option is the OneTrip Prime plan. This plan offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft, or damage up to $1,000, and up to $800 in travel delay coverage.

The most similar plan from Travel Guard is the mid-tier Travel Guard Preferred plan, which which you'll get up to $150,000 in trip cancellation coverage, trip interruption coverage up to $225,000, $50,000 in emergency medical coverage, coverage for baggage loss, theft, or damage up to $1,000, and travel delay coverage of up to $800.

A variety of factors will determine the final cost of any of these travel insurance policies. However, when comparing quotes with the same factors, Allianz tends to be cheaper. Additionally, Travel Guard seems to be more sensitive to the traveler's age. However, it's best to compare quotes using your specific personal and trip details to determine which policy is the best for you.

Read our Allianz travel insurance review here.

AIG Travel Guard vs. Credit Card Travel Insurance

Before purchasing a travel insurance plan, take a look at the coverage offered through your travel rewards credit cards. Some of the basic coverages you're looking for, like rental car insurance, may already be available through credit card travel protection . 

The coverage you have on your credit card couple be sufficient if, for example, you're taking a road trip by car and you don't have any non-refundable trip expenses. It could also be enough if your health insurance covers you while you travel and you aren't overly worried about incurring additional medical expenses during your trip.

It's also worth remembering that credit card coverage is usually secondary versus the primary coverage you'd get with a travel insurance policy. Meaning you'll have to file a claim with the other applicable insurance (like through the airline travel provider) before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Depending on the single trip plan you choose, AIG Travel Guard offers $15,000-$100,000 in emergency medical expense coverage.

All three of Travel Guard's single trip policies offer pre-existing condition waivers as long as you purchase your policy within 15 days of your initial trip payment.

Travel Guard is the name used for AIG's travel insurance products, but AIG also offers other insurance products, like AIG Life Insurance .

Your coverage depends on the policy you buy, but all policies will cover (up to a specified limit) trip cancellation, interruption, delay, emergency medical expenses, lost and delayed baggage, and emergency evacuation. 

Yes, Travel Guard plans cover trip cancellation and interruption due to illness, injury, or death of a family member. If your trip is delayed or canceled due to inclement weather, that's covered too. AIG Travel Guard's is also among the best CFAR travel insurance companies.

Why You Should Trust Us: How We Reviewed AIG Travel Guard

The policy that's best for you will be the one that offers the right amount and type of coverage, fits your budget, and is easy to use if you ever need it.

In reviewing Travel Guard , we looked at the company's travel insurance offerings and compared them to plans offered by the top travel insurance companies in the space. Factors considered included things like coverage options, claim limits, what's covered, available add-ons, and typical insurance policy costs. We also considered buyer preferences.

Read more about how Business Insider rates insurance providers .

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Money blog: HSBC, Nationwide and Virgin Money hit by glitches; how to stop your car being stolen - or even 'cannibalised'

Welcome to the Money blog, your place for personal finance and consumer news and advice. Let us know your thoughts on any of the topics we're covering using the comments box below.

Friday 28 June 2024 21:32, UK

• Trio of banks hit by pay day delays
• Fuel shock could be on the way - as sports shop hit by Nike downgrade
• UK's economic growth better than thought
• 10 million homes have days to check energy meter reading to avoid paying too much

Essential reads

• Save 105 teaspoons of sugar (and money) by switching to classic ice cream
• How to stop your car from being stolen - or even 'cannibalised'
• A week when probable future of mortgage rates became clearer
• Savings Guide: What to look for with 5% rates still available on easy access accounts
• Women in Business : How accident in cafe and £400 turned into a genius business idea that's about to go global
• Money Problem : 'I bought a new car but it's been back six times with same fault - what can I do?'
• Best of the Money blog - an archive

Ask a question or make a comment

By Emily Mee, news reporter

A car was stolen roughly every eight minutes in the UK last year, according to DVLA figures. 

Some 64,087 vehicles were reported stolen - an increase of 5% on the previous year. 

While car thefts are on the rise, reports have also highlighted a growing trend of "car cannibalism" - when criminals rip parts off cars to order. 

Bonnets, bumpers and headlights are among the parts often nicked by thieves. 

It might sound like a familiar refrain at this point, but consumer rights expert Scott Dixon says the cost of living crisis is largely to blame. 

Scott, who runs The Complaints Resolver , told us the costs of spare parts and insurance have "rocketed" post-COVID - driving opportunists to turn to crime. 

He also pointed to a scarcity of decent second-hand cars on the market currently, saying people are "holding onto their cars for longer because they can't afford to change them". 

How can you protect your car? 

Scott says there are numerous ways you can prevent your car from becoming a target - and many of them are cheap and simple. 

Get your keys recoded

If you're buying second hand, getting your keys recoded can give you additional security. 

Scott says it's possible the person you bought from could have copies of the keys, allowing them to steal your car or break in. 

Fit a tracking device

This should be fitted professionally, and while it won't stop your vehicle from being stolen, it will increase the chances of police being able to track it down and return it. 

You should be aware, though, that you'll need to pay a fairly costly annual subscription fee. 

Secure your number plate

Some thieves will take number plates so they can steal petrol from forecourts - and Scott says some are now doing this to escape ULEZ fines. 

He recommends getting anti-theft screws to secure your number plate. 

Keep your car tidy

Handbags, phone leads, sat-nav holders and paperwork can all attract the attention of opportunist car thieves. 

Scott says many people are "too careless and complacent" with this - and it's completely free to fix. 

Fit a steering or handbrake lock

You can get these on Amazon for less than £20 each - and because they're visible, they can also act as a deterrent. 

A pedal box, which encases the pedals in a highly visible metal box, is another option. 

A good wheel clamp - Scott recommends this one  - can be bought on Amazon for about £30. 

Another visible deterrent is a sticker to say the vehicle is alarmed or has a tracker fitted. 

Think about where you park

Thieves are more likely to target quiet and dimly lit areas, as well as quiet side streets, Scott says. 

If you can, try to park in a well-lit and busy area - preferably with CCTV. 

Install cameras 

You could keep your dashcam recording through the night (which could capture anyone walking in front of the car) and put up signs stating you have cameras around. 

Fit a car alarm or immobiliser

Although most modern cars have these fitted, older cars often don't. 

Plus, having a professionally fitted alarm or immobiliser could lower your insurance premium. 

Etch your car windows 

You can buy a car window etching kit for less than £15, including warning stickers to show the identification number is traceable. 

If you have your Vehicle Identification Number (VIN) etched onto the doorframe, windows and steering wheel, it can deter thieves from stealing the vehicle or its parts as it will be harder to sell stolen parts if they're personalised. 

Window tinting

Of course, you'll only be able to do this to a certain extent as the law states the front windscreen has to let in at least 75% of light through. For front side windows, you need 70%. 

But there are no rules around the rear windscreen or rear passenger windows, and having a tint can deter criminals from looking into the car. 

Take steps to prevent relay theft

An increasingly popular way to steal cars is through relay theft - when criminals use devices to relay signals from the car key to the car. 

One person will get near enough to the key inside the house to pick up the signal, while a second person will hold another device next to the vehicle. 

All keyless cars are vulnerable to relay theft - but in particular, Audi, BMW, Ford, Hyundai, Land Rover, Mercedes and Volkswagen cars are the most popular targets.

You can help prevent it by keeping your keys in a "Faraday pouch" - which has a lining preventing the keys inside from receiving or transmitting radio frequency signals.

A pack of two is available online for roughly £8. 

Another option is to use a metal container, as the relay device cannot pass through metal. 

You should also avoid storing your keys near doors or windows. 

Starting from next month, gamers will be able to play Xbox titles like Fallout 4, Starfield and Fortnite using Amazon Fire TV.

A new upgrade coming to the Fire TV 4K devices transforms your television into a console, thanks to Xbox Cloud Gaming.

You'll need to be a member of Xbox Game Pass Ultimate to take advantage, plus you'll need a compatible controller and a solid internet connection.

"One of the biggest benefits of cloud gaming is the ability to play premium games without needing a console," Amazon explained.

"The Fire TV Stick may be compact, but it can stream and run graphically intense Xbox games like Senua's Saga: Hellblade II.

"This portability also means you can easily move your cloud gaming setup from the living room TV to a different room or even take it on the road.

"As long as you have a solid internet connection and your compatible Fire TV Stick, and a compatible controller, you can take your Xbox Game Pass games and saved progress travels with you."

Once downloaded, the Xbox app is designed to offer a smooth and seamless experience. Here’s how it works:

• Install and launch the Xbox app from your Fire TV device;
• Sign in with your Microsoft account to play. If you’re an Xbox Game Pass Ultimate member, you’ll have instant access to hundreds of cloud-enabled games;
• Connect a Bluetooth-enabled wireless controller. Controllers like the Xbox Wireless Controller, Xbox Adaptive Controller, PlayStation DualSense, or DualShock 4 controller are all compatible.

A new Amazon Fire TV Stick 4K will set you back £59.99 on Amazon, while a new Xbox Wireless Controller costs £49.59.

Xbox Game Pass Ultimate currently costs £1 for the first 14 days for new members, then is billed at £12.99 per month.

House prices are overvalued by thousands of pounds, according to a major property company.

The typical property is £20,000 more than is affordable to the average household, says Zoopla.

But rising incomes and longer mortgage terms mean the "over-valuation" is expected to disappear by the end of the year.

Zoopla's report said: "House prices still look expensive on various measures of affordability.

"We expect house price inflation to remain muted, likely to rise more slowly than household incomes over the next one to two years."

The average house price is around £264,900 – but according to Zoopla's calculations, the affordable price is £245,200.

"A new government will add a dimension of political stability when the autumn market starts in September and even if the [Bank of England base] rate is not lower by then, a cut will be imminent," said Tom Bill, head of UK residential research at estate agent Knight Frank.

"Given that mortgage rates will steadily reduce as services inflation comes under control, we expect UK house prices to rise by 3% this year."

Zoopla's over-valuation estimate was reached by comparing the actual average house price in its index with an "affordable" price, which was calculated based on households' disposable incomes, average mortgage rates and average deposit sizes for home buyers.

It's one of the most iconic and popular music festivals in the world, and it's notoriously hard to get a ticket.

Glastonbury has rolled around once again and roughly 210,000 people have flocked to Somerset this year as Dua Lipa, Coldplay and SZA headline the UK's biggest festival this weekend.

Those in the crowd are in the lucky minority — an estimated 2.5 million people tried to get tickets for this year's event, meaning the odds really aren't in your favour if you fancy going.

Tickets routinely sell out within an hour of going on sale, and that demand is unlikely to decrease next year, given the festival will likely take a fallow year in 2026.

So, if you're feeling jealous this year, how do you get tickets for Glastonbury 2025, and how can you give yourself the best possible chance?

We've run through all the available details as well as some tips so you're best prepared when the time comes.

Registration details:  Before potential festivalgoers get the chance to buy tickets, they must register on the official website.

One of the reasons this is done is to stop ticket touting, with all tickets non-transferable. Each ticket features the photograph of the registered ticket holder, with security checks carried out to ensure that only the person in the photograph is admitted to the festival.

Registration is free and only takes a few minutes. You will be asked to provide basic contact details and to upload a passport-standard photo.

Registration closes a few weeks before tickets are released.

Where to buy tickets:  Tickets can be bought exclusively at  glastonbury.seetickets.com   once they become available.

No other site or agency will be allocated tickets, so if you see anyone else claiming to have Glastonbury tickets available for purchase, it's most likely a scam.

When tickets go on sale: We don't know the details for next year yet - but Glastonbury ticket sales usually take place in October or November of the year before the festival. 

This year's ticket sales began, following a delay, in November 2023. Coach tickets typically go on sale a few days before (traditionally on a Thursday), with general admission tickets following on the Sunday morning a few days later.

For those that miss out, there's also a resale that takes place in April for tickets that have been returned or for those with a balance that has not been paid.

This year's April resale took place on 18 April (for ticket and coach travel options) and 21 April (general admission tickets and accommodation options).

How much it costs:  General admission tickets for this year's festival cost £355 each, plus a £5 booking fee. That's an increase on last year's price of £335 each, which was also an increase on the 2022 price of around £280.

So, we can probably assume that ticket prices will go up once again for next year's festival. 

Remember, there are options to pay for your ticket in instalments, so you won't have to pay the full price in one go if you don't want to. All tickets are subject to a £75 deposit, with the remaining balance payable by the first week of April.

It's also worth noting that Glastonbury is a family festival, and that's reflected in the fact that children aged 12 and under when the festival takes place are admitted free of charge.

TIPS FOR THE BIG TICKET SALE DAY

The scramble for tickets when they go on general sale is nothing short of painstaking, with demand far outweighing supply.

Here are some tips to give you the best possible chance of bagging tickets:

Familiarise yourself with the website: You may see a reduced, bare-looking version of the booking page once you gain entry. The organisers say this is intentional to cope with high traffic and does not mean the site has crashed, so be sure not to refresh or leave the page.

Once you reach the first page of the booking site, you will need to enter the registration number and registered postcode for yourself and the other people you are attempting to book tickets for.

When you proceed, the details you have provided will be displayed on the next page.

Once you have double checked all of your information is correct, click 'confirm' to enter the payment page, where you will need to check/amend your billing address, confirm your payment information, accept the terms and conditions, and complete the checkout within the allocated time.

Timekeeping: You can get timed out if you don't act fast, so it's a good idea to have your details saved on a separate document so you can copy and paste them over quickly.

You might also have to approve your payment, which could mean answering security questions from your card issuer. Have a device on hand to ensure you're ready for this.

Internet connection: This should go without saying, but you won't stand a chance without a solid internet connection.

Avoid trying to rely on your mobile phone signal, and politely ask those you might share the internet with to delay any online activity that might slow your connection.

Don't give up: Until the page tells you that tickets have sold out, you still have a chance. 

Shortly before that point, there will be a message saying 'all available tickets have now been allocated,' which users often think means their chances are up. 

What it actually means is that orders are being processed for all the tickets that are available. But if somebody whose order is being processed doesn't take our previous advice and runs out of time, their loss could be your gain.

Multiple tabs and devices: Glastonbury advises against its customers trying to run multiple tabs and devices to boost their chances of getting a ticket.

Glastonbury's website says running multiple devices simultaneously is "a waste of valuable resources, and doesn't reflect the ethos of the festival".

"Please stick to one device and one tab," it adds, "so that you can focus on entering your details without confusing your browser and help us make the ticket sale as quick and stress free as possible for all."

Shoppers have been buying bigger TVs to enjoy this summer's European Championships, according to the electrical retailer Currys.

The chain said UK sales were up by more than 30% in the past month, with "supersize" screens — 85-inch and above — selling well in the run-up to the Euros.

"Having a third of the TV market and the Euros being a big event for many people, we're seeing that super-sizing trend keep on giving," said Currys chief executive Alex Baldock.

The most popular, and also cheapest, 85-inch TV on the Currys website costs £999. 

The most expensive super-size TV is a 98-inch offering from Samsung that will set you back £9,499.

Currys reported adjusted pre-tax profits of £118m for the year to 27 April. That represented a 10% increase from the previous year's profits of £107m.

Like-for-like sales for Currys UK and Ireland declined by 2% to £4.97bn in the 12 months to 27 April, with consumer confidence knocked by high inflation levels and rising interest rates.

"We can see our progress in ever-more engaged colleagues, more satisfied customers and better financial performance," Mr Baldock added.

Selling your home can be expensive, with the range of fees that come as part of the selling process meaning costs can really rack up.

Those costs are usually present whether you visit a bricks and mortar estate agents on the high street or if you go online, although Purplebricks has marketed itself as an exception to the rule.

Since December, it has launched a new pricing structure that enables sellers to list their homes without paying a penny, making it the only completely free online estate agent in the UK.

Purplebricks previously charged a fixed fee of £1,349 (including VAT) to sell your house, with that figure rising to £2,999 for those based in and around London. 

That needed to be paid upfront or not later than 10 months after the property was first advertised, even if it went unsold.

Now, after being bought out by rival online estate agency Strike last year, Purplebricks is offering a free service, no strings attached.

Is there a catch, though?

There's no such thing as a free lunch or, it seems, a totally free way to sell your house.

If you'd like to pay more to unlock extras and upgrades, you can do so, with a 'Boost' and 'Full House' package costing £899 and £1,499 respectively.

All estate agents are also required by law to carry out anti-money laundering checks on everyone selling a property.

Typically, that cost is incorporated by estate agents into their service fees. However, as Purplebricks' service is free, it has implemented a separate £60 Anti-Money Laundering (AML) fee for sellers.

What's more, there's also no Rightmove listing included as part of its free service.

As the UK's biggest property portal market, attracting more buyers and sellers than anyone else, Rightmove can help sell your home much faster. 

Purplebricks does include a free Zoopla listing, but adding Rightmove is an optional add-on that will set you back £299.

So, how does Purplebricks make money?

Add-ons and extras. 

Purplebricks will be hoping to make money by customers opting for optional extras or premium services.

As well as the Rightmove example mentioned above, professional photographs and a floorplan will cost £699, while hosted viewings of your property will come at a charge of £899.

Purplebricks can also work with sellers and buyers to help them find the right mortgage deal and by offering them conveyancing services. 

It's important to remember that there is no obligation to buy any of the add-on services, though some will undoubtedly come in handy.

Purplebricks is clear about its up-selling tactics too. This is what its website says:

We’re fully transparent about what little extras we offer and where your money is going – so it really is your choice. When our agent speaks to you, they’ll talk you through the options, and then you can decide if it’s right for you.

In the last few minutes, HSBC has confirmed issues earlier today - with online, mobile banking and payments - have been resolved.

 More now on the news that a string of banks have been suffering from glitches that have delayed payments being made for millions of customers.

Nationwide, Virgin Money, HSBC and Barclays all reported issues with their digital banking services this morning.

It comes on a day many workers are due to receive their wages and many households are paying their bills.

Here are the latest updates from each bank affected:

Virgin Money has announced its mobile banking app is now "fully restored" as of 12.52pm.

"Like other banks, we’re working hard to process the backlog of payments delayed as quickly as possible, and will update you as soon as we can," it posted on X.

"If you have tried to send a payment from your Virgin Money account and received an error message, but it has debited your Virgin Money account, please do not try to make the payment again, as it is in the queue and will be processed."

HSBC customers can also now log on to personal banking both online and on mobile. 

The bank says there are still "secondary issues" they are trying to fix, including viewing recent transactions.

"Customers sending payments may see a slow response or see a failure notice," it added. 

"Please check with the recipient or view your recent transactions in the mobile app via the notifications bell icon in the top right corner before attempting to send the payment again."

Nationwide has reported no issues with its banking app.

In response to the problems receiving salary or pension payments, the building society says payments are being processed and expects them to be paid into accounts today.

Barclays says that some of its customers are reporting that incoming payment issues have now been fixed.

Replying to one customer on X, the bank said: "We have been experiencing some issues with the Faster Payment Scheme that most banks operate through when making payments, however we have had some positive news in the last 5 minutes confirming that the issue is now resolved! 

"With that being said, any payments that you have tried to make should now go through for you so please keep an eye out on your account for these to be reflected. If you do need any further help then we are here 24/7 for you."

On Barclays' service status page, all indicators have now been turned green to show there are no ongoing issues.

Another bank has been affected by technical issues with payments today.

In a reply to a customer on X, Barclays said the glitch was "happening across all banks".

The Barclays reply said: "So sorry to hear you've been caught up in the issue with regards to the payments being made and received. This is an issue with the faster payment system and it's happening across all banks."

More now on the IT issues affecting people who bank with Nationwide, HSBC and Virgin Money.

Customers of all three have been hit with problems affecting their banking services today.

On what is pay day for many across the country, some customers have been unable to receive their salaries or pension payments.

According to the website DownDetector, more than 7,000 problems were reported at about 8.45am this morning.

The site also shows a spike in reports of outages for high street bank Virgin Money and building society Nationwide.

Customers of the banks are particularly upset by the timing of the glitches, with many people needing to pay their bills.

"I'm waiting on money coming into my bank which is still not received even though it's been sent. I can't pay any bills. Even though I have the money for bills," said one customer on X.

"My bills are bouncing and I can’t pay for a train ticket I need in the next hour," said another.

Bank responses

Nationwide  customers complained on X they had not received their wages into their accounts.

The building society said it is "aware there is a delay with some customers receiving their salary or pension payments today".

"These payments are being processed, and will be paid into your account today," it added. "Sorry for any inconvenience this is causing."

Virgin Money  addressed its issues on X this morning, warning customers not to attempt to process payments a second time if they had already tried once,

The bank issued an update on X later, adding - as of 11.08am - it is "aware of intermittent issues with accessing online banking and our app, which we're working to resolve as quickly as possible".

HSBC apologised to its customers and said its IT teams were working on the issue.

In a second update at 12.22pm, the bank said customers could now log into personal online and mobile banking but could still not view recent transactions.

Earlier, we brought you the news that HSBC customers have reported IT issues with mobile banking and the bank's app (see 9.37am post).

Now Nationwide has also said there was a "delay with some customers receiving their salary or pension payments today".

Read more in our breaking news story...

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