City break travel insurance

Whether you’re going for a romantic weekend or a business trip overseas, it’s important you get travel insurance for your city break to give you peace of mind.

Whether you’re going for a romantic weekend or a business trip overseas, it’s important you get travel insurance for your city break to give you peace of mind.

Josh Daniels
From the Travel team
3
minute read
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Posted 28 JANUARY 2021

What is city break insurance?

City break travel insurance ensures you have financial protection against potential problems such as medical care costs and theft while you’re away.

If you know you’re going to take only one break in the next 12 months that will last no longer than 31 days, you could get single trip travel insurance.

If you plan to visit a few cities in the space of a year, it might be more cost-effective to get a multi-trip policy lasting for 12 months – that way, you won’t have to arrange a new policy for every trip.

You’ll be able to state whether you’re going for business purposes or pleasure when you get a quote.

CORONAVIRUS UPDATE 

From 17 May 2021, a travel traffic light system has been introduced and trips to green listed countries will be legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority, which can be found here.

If a country is on the green list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you're aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO advises against all but essential travel to most amber and red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What does single trip travel insurance cover?

Single trip travel insurance for your city break should provide cover for:

  • Medical expenses: travel insurance could help meet your costs should you fall ill or have an accident. Providers will want to know about your medical history and may exclude cover for any pre-existing conditions. If you don't provide accurate information about your medical history it may invalidate your policy. 

If you’re taking your city break in Europe, remember to take your European Health Insurance Card (EHIC)This entitles you to state healthcare across most of the Continent, on the same terms as a local resident in the country you’re visiting.

After Brexit, and the UK officially left the EU with a deal in place, things have changed. You won’t be able to apply for an EHIC anymore, but, if you have one already, issued before the end of 2020, then it’ll still be valid until the expiry date.

However, the UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC here, and it should arrive within 10 days. The GHIC will offer the same cover as the EHIC did in EU countries.

If you need medical attention, go to a state medical facility first and tell your insurance provider. They’ll give you advice on what additional private treatment might be covered by your policy.

  • Cancellation: It’s a good idea to take out travel insurance when you book your break so that you can claim back the cost if you need to cancel your trip due to unforeseen circumstances, such as illness or bereavement.
  • Stolen, lost or damaged possessions: You may be able to claim back the price of items that are lost, stolen or damaged. If your belongings are stolen, you should report the incident to the local police and get a case number from them – you’ll need to pass this on to your insurance provider when you make your claim.

Why use Compare the Market?

We compare some of the market’s leading providers to help you find a deal that’s right for you. A typical travel insurance policy will cover you for day-to-day activities. However, if you want to add adventure activities to your itinerary, then we provide all the documents for you to check if your activity is covered. Simply check the policy and you’ll be able to select the right package for you.

Start a quote and see if you can find a great deal on your travel insurance.

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