Single tripEuropean trip, standard cover
£14
per person, per trip
£10,000,000
medical cover
Cancellation cover: Up to £3,000
Baggage cover: Up to £1,500
5% online discount
Free, quick comparison
Travel insurance comparison
Compare travel insurance for medical emergencies, cancellations, lost luggage and delays — cover for a single trip or the whole year, from UK insurers.
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Single trip
Single tripWorldwide trip, standard cover
£22
per person, per trip
£10,000,000
medical cover
Cancellation cover: Up to £5,000
Excess: £75 standard
Single tripTrip with pre-existing conditions
£38
per person, per trip
£15,000,000
medical cover
Medical screening: Included
Cancellation cover: Up to £5,000
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your property, location, claims history and level of cover.
What is travel insurance?
Travel insurance covers the financial risks of going abroad: emergency medical treatment, cancelled or cut-short trips, lost or delayed baggage, and travel delay compensation.
It is separate from the free UK Global Health Insurance Card (GHIC), which only covers state-provided medical treatment in the EU and does not include repatriation, private care or any of the non-medical benefits.
What are the benefits of travel insurance?
Emergency medical cover
Protects against treatment and repatriation costs that can run into hundreds of thousands abroad.
Cancellation protection
Recovers non-refundable costs if illness, bereavement or other insured events stop you travelling.
Baggage and delay cover
Compensation for lost luggage and significant delays to your outbound or return journey.
What does travel insurance include?
Emergency medical treatment
Overseas hospital treatment, ambulance transport and repatriation to the UK.
Trip cancellation
Non-refundable costs if you have to cancel before departure for a covered reason.
Baggage cover
Lost, stolen or damaged luggage and personal belongings while travelling.
Travel delay
Fixed compensation for delays to flights, ferries or trains beyond a set number of hours.
Personal liability
Cover if you accidentally injure someone or damage property abroad.
Missed departure
Additional costs if you miss a flight or connection due to circumstances beyond your control.
How does travel insurance pricing work?
Premiums are based on your destination, trip length, age, and whether you disclose any pre-existing medical conditions during screening.
Adding winter sports, cruise cover or higher medical limits increases the price, while excess levels and the extent of baggage cover also move the quote.
Do you need travel insurance?
Anyone travelling outside the UK should have it, since even routine medical treatment abroad — particularly in the USA — can be extremely expensive without cover.
Frequent travellers taking more than two or three trips a year are usually better off with an annual multi-trip policy rather than buying single-trip cover each time.
How to choose travel insurance
Check the medical cover limit is at least £2 million for Europe and £5 million for worldwide destinations, confirm any pre-existing conditions are declared and accepted, and read the activities list carefully if you plan to ski, hike at altitude or do watersports.
How to save money on travel insurance
Buying an annual policy if you travel more than twice a year, increasing your excess, and avoiding unnecessary add-ons such as gadget cover you already have elsewhere all reduce the premium.
Related guides
These guides might help.
Does travel insurance cover pre-existing conditions?
How medical screening works, what insurers ask, and when to use a specialist provider.
Single trip or annual multi-trip: which is cheaper?
The break-even point most UK travellers hit after two or three holidays a year.
What pet insurance actually pays out for
Lifetime vs time-limited cover explained, and why the small print matters more than the premium.
FAQs
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Written by the Grow Your Business personal finance team