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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.

Patrick Ikhena
From the Travel team
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Posted 21 JANUARY 2020

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.


Starting on 5 November, the Government has introduced a national lockdown for England that will last until at least 2 December. As part of this, the Foreign, Commonwealth and Development Office (FCDO) advise against all non-essential domestic and international travel.

If you choose to travel overseas to a destination while the FCDO has advised against non-essential travel, or domestically against the instructions of the UK Government, then your insurance policy will be invalid, and any claim will be rejected.

For those living in the UK but outside of England, the public health rules may differ, but you must abide by the restrictions imposed by your local authority.

We’ll continually review the situation, and update you with the latest FCDO or Government guidance on travel.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we will only show quotes from insurance providers who will cover for all declared medical conditions, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who 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 get (and take with you) a European Health Insurance Card (EHIC)**. They’re available free from the NHS and entitle you to state healthcare across most of the Continent, on the same terms as a local resident in the country you’re visiting.

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.

**UK residents can use their EHIC during the Brexit negotiations, until the UK is scheduled to leave the EU on 31 January 2020. The UK Government has proposed a scheme similar to the EHIC in the event that the UK leaves the EU without a deal, and consequently the EHIC no longer being usable. However, the implementation of that scheme is subject to EU countries agreeing to that proposal.

  • 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.

How much is city break insurance?

If you’re going on a city break in Europe, then European travel insurance could cost from £3.61*** for a single trip policy or £14.05**** for a multi-trip policy, based on Compare the Market data in September 2020.

***Based on a single trip travel policy for a 20 year old with no pre-existing medical conditions travelling in Europe for 2 nights. Prices correct as at September 2020.
****Based on an annual multi trip travel insurance policy for a 20 year old with no pre-existing medical conditions travelling in Europe. Prices correct as at September 2020.

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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