A simples guide

What type of travel insurance is right for me?

Travel insurance isn’t just for the daring survival adventurers of this world. Whilst it can cover the big stuff like accidents or injuries abroad, it’s also designed to cover other things like cancelled flights, lost luggage or a stolen wallet. There are a few things to ask yourself and think about before you buy...

injured man

How often do you travel?

A week or two in the sun. Try looking into single trip policies.

More than a couple of trips in a year. It’s worth exploring annual multi-trip options as these could save you money in the long run.

What type of travel insurance is right for me?

Where are you going?

UK - Make sure you’re covered, even if you’re having a staycation close to home, for example so you’re covered if your holiday gets cancelled.

EU - Will cover travel to EU countries (but not always EU Economic Zone countries such as Iceland or Turkey).

Worldwide - It’s a good idea to check the specific country you’re visiting is covered by your policy if you’re planning on going further afield. For example if you’re planning on going to the US, this isn’t always covered in a worldwide policy so make sure you check before you buy.

are all countries covered by travel insurance?

Who are you travelling with?

Flying solo? Whether you’re visiting loved ones, backpacking or traveling for business, we can help you find a travel insurance policy for your needs.

In a group. There are often discounts for families or groups travelling together. However, if one of your group has a specialist medical issue it could be better to insure them separately.

is it cheaper to get insurance as a group or individually?

What will you be doing?

Winter sportsIf you’re planning to go skiing, make sure you get winter sports cover. These activities are generally a bit more dangerous and might require special provisions such as cover for the cost of being helicoptered off a mountain side.

Extreme sports and activitiesIt’s worth checking your policy for other activities and sports you may be doing while away. For example, some insurers have exclusions for riding mopeds abroad.

are winter and extreme sports covered by standard travel insurance?

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Tips when picking a policy.

Typical levels of cover:

Emergency medical cover

Aim for cover of at least £1million or more within Europe, and at least £2million or more if you’re travelling to the US or worldwide.

Personal liability

In case you cause harm to someone or their possessions. Look for cover up to £2million.

Cancellation cover

Make sure this is at least equal to the cost of your holiday, £2,000 or more.

Baggage and personal possessions cover

£1,500 should cover the cost of your suitcase and its contents. Make sure you’ve added up the cost of your belongings and include any expensive items too.

Holiday spending money cover

Around £500 is typical, unless you’re carrying more cash.

Buy when you book

Some travel insurance policies will include cancellation cover. This lets you recoup the cost of any unexpected cancellations; such as a personal emergency which prevents you going or a problem with the travel agent. To make the most of this cover you should buy a policy as soon as you book. However foreseeable emergencies might not be covered, so check your policy before you buy.

when to buy your travel insurance?

What’s not covered?

There are some things you might get up to on holiday which could invalidate your cover. For example, most policies won’t cover accidents which involve alcohol. So go easy on the piña coladas.

what is not covered by travel insurance?

Double cover

One final thing worth a quick check is to see if you’re already covered. Some bank accounts and credit cards give their customers some travel insurance, although you’ll need to tell them about any medical conditions that you have – as these usually assume you are in good health. Also these are usually generic policies, which could leave you underinsured. Check if you’ve got it and check what it covers.

what is double insurance cover?