Travel
Insurance

Travel insurance protects you from unexpected costs if your trip doesn’t go as planned. It covers emergencies such as illness or injury abroad, lost baggage, cancellations, and travel delays. Without it, you could face large expenses, particularly for overseas medical treatment or repatriation.

The right travel insurance depends on how often and where you travel. For one-off holidays, a single-trip policy may be ideal. If you travel several times a year, an annual multi-trip plan can save time and money. Always make sure your policy includes medical cover, cancellation, and baggage protection suited to your destination.

Standard travel insurance covers medical emergencies, trip cancellation, lost or delayed baggage, travel delays, and personal liability. Optional extras can include winter sports, cruise cover, or gadget protection. Always review the policy document for full terms.

The cost of travel insurance depends on your destination, trip length, age, and medical conditions. On average, UK travellers pay between £5 and £15 per trip for standard cover. Comparing travel insurance quotes helps you find the right protection at the best price.

Most policies cover flight cancellations caused by illness, injury, or unforeseen emergencies. You’ll usually be reimbursed for pre-paid expenses like accommodation and excursions. Always review your policy to check what types of cancellation are covered and the claim limits.

Many insurers cover missed departures caused by transport delays, road accidents, or breakdowns. You may be reimbursed for additional travel or accommodation costs needed to continue your journey. Check the policy wording for qualifying reasons and required proof.

Yes, most policies include baggage cover for lost, stolen, or delayed luggage. Compensation limits vary by insurer, so check your policy schedule for details. Keep receipts or evidence of value to support your claim.

Many policies cover cutting your trip short due to illness, injury, or family emergencies. This is called curtailment cover and usually reimburses unused travel or accommodation costs. Always review exclusions and the claims process before travelling.

Some policies cover the cost of replacing a lost or stolen passport, including emergency travel documents and related expenses. Always check if passport cover is included or available as an add-on.

Some insurers provide cover for pre-existing medical conditions if they are declared when purchasing your policy. Others may exclude certain conditions or charge a higher premium. Always answer medical screening questions honestly to ensure valid cover.

No — travel insurance provides short-term cover for emergencies while travelling, including medical treatment abroad, cancellations, and baggage loss. Health insurance is long-term cover for routine and specialist medical care in your home country.

Generally speaking, no, travel insurance must be bought before you begin your trip to ensure the fullest possible cover.

Yes — policies can cover multiple travellers under one plan. Each traveller must be listed on the policy, and cover limits may apply per person. Check your schedule to confirm who’s included and any age-based restrictions.