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Travel insurance could cover medical expenses, trip cancellation or delays, lost or stolen baggage and personal liability while you’re travelling. The type of cover you need will depend on the countries you’re visiting, the activities you’ll be doing and the length of your trip. You’ll also need to state whether you want travel insurance for a single trip, multiple trips or for backpacking.
While we all love to get away from it all, accidents do happen – as well as medical bills, travel insurance covers, delays, lost items and thefts. All these can prove costly if you’re not properly insured.
Almost 1 in 4 people don’t take out travel insurance for their holidays. However, they probably should have, when you consider that travel insurance providers paid out £370m in 591,000 claims last year, according to the Association of British Insurers (ABI).
To give you some idea of the potential costs without insurance for emergency medical care, the ABI has examples of what has been paid in 2017 for claims that you’d have to pay if you had no insurance:
So, whether you’re taking the family to the beach, a student on your gap year taking the trip of a lifetime or simply making the most of your retirement, there’s sure to be a policy to keep you covered.
While the average annual travel insurance policy costs as little as £37 - the average medical claim is £1,300 and £816 for the average cancellation claim, according to the ABI.
Picking the right travel insurance policy depends on a few things. The most common types of policy are:
You can also find specialist insurance for:
You’ll want to pick a policy with the right level of cover and inclusions for you.
For example, comprehensive policies will typically cover you for the following:
Most annual and single policies cover you for between 90 and 180 days, so you should check the details if you’re planning a long break away. If you are away for longer than this, you may need a long-stay policy. You should also be able to add extras to your policy for anything which isn’t included as standard – for example:
Yes, you can still get travel insurance even if you have a medical condition, although you might need to look for a specialist provider. That’s because having certain health issues could mean that you’re more likely to need medical treatment while you’re on holiday. Unlike in the UK, you’ll be expected to pay for any care you receive and even common procedures can cost thousands of pounds. See more on travel insurance with medical conditions with some specialist advice if you have cancer or heart conditions.
We provide impartial and independent comparison from a range of UK travel insurance providers. Before you start, keep any dates of your planned trip to hand and know how much any valuables you take with you might be worth to make sure you get the right level of cover. With great value deals on single, direct and annual holiday insurance, we could find you a cheap price in minutes.
With the holiday season just around the corner, why not try your hand at our Holiday Hotspots game and get some destination inspiration!
How many can you spot?