Travel insurance FAQs

Wondering what type of travel insurance to get and how it all works? Maybe you’re considering spending a little more on family travel insurance and you need some information? We answer some of your travel insurance FAQs...

Wondering what type of travel insurance to get and how it all works? Maybe you’re considering spending a little more on family travel insurance and you need some information? We answer some of your travel insurance FAQs...

Josh Daniels
From the Travel team
3
minute read
Do you know someone who could benefit from this article?
Posted 19 NOVEMBER 2019

Do I need travel insurance?

Travel insurance isn’t a legal requirement, but it’s strongly recommended. So it’s worth doing a bit of research before you travel.

CORONAVIRUS UPDATE

Non-essential travel is not currently permitted within the UK before 12 April 2021 at the earliest (check individual regions before travel as they may be different) and international travel is not currently permitted before 17 May 2021 at the earliest (dates subject to further confirmation from the government).

You’re still able to purchase annual multi-trip policies, however, if you choose to travel against The Foreign, Commonwealth & Development Office (FCDO) advice and current restrictions, you won’t be covered for your trip, including for essential travel.

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.

Why is travel insurance a good idea?

One of the biggest reasons for getting travel insurance is for medical care cover – in the event that you or a family member becomes ill abroad. But it will also help protect you from life’s other little surprises, like a cancelled or delayed flight, and stolen, lost or damaged baggage.

What type of travel insurance cover is right for me?

It really depends on where you’re going, how long you’re going for, what you’ll be doing and if you have any pre-existing medical conditions. In this last instance, you’ll need to declare any conditions when you’re shopping around for a travel insurance quote. Our guide to finding the right travel insurance should help you navigate what’s on offer, so you can find the best policy to suit your needs.

My child is travelling for a student exchange programme; what insurance will they need?

It depends on what activities they’ll be doing while they’re away. Will they be working? Will they be travelling? And also, how long will they be away for?

Start by checking whether your child’s university or college has insurance in place already, then take it from there.

Do I need travel insurance for my family?

Insurance is strongly recommended, and it can be easier to take out a policy that covers everyone. Our guide to family travel insurance gives a bit more information on the process and the benefits of travel insurance that covers the whole family.

Does family travel insurance cover us if we live at separate addresses?

You’ll need to check exactly what your policy states. Some will only cover children (or step-children) if they live with the policyholder. In other words, if you’re no longer all living at the same address, your existing policy might not cover every family member travelling with you. If you’re not sure who’s covered, check your policy documents and read our guide to family travel insurance after separation.

What’s the best student travel insurance for a young student travelling abroad?

As always, it depends on what you’ll be doing, for how long and where. Our guide to finding the best travel insurance for your gap year gives you all the information you’ll need to choose the right policy for you.

I have a pre-existing medical condition; how does this affect my travel insurance?

It depends on what the condition is but, in some cases, you could be charged a slightly higher premium. Annoying as that might be, it’s important to disclose any pre-existing conditions – otherwise it could invalidate your policy. Find out about the importance of comparing travel insurance for pre-existing medical conditions with the help of our simple guide.

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving

Get a quote
Compare travel insurance Get a quote