How do I choose the right travel insurance?

Nearly 10 million Brits travelled abroad without the right type of travel insurance in a single 12-month period, according to the Association of British Travel Agents (ABTA). So how do you get the right insurance for your trip? Here are 5 questions to ask before you buy.

Nearly 10 million Brits travelled abroad without the right type of travel insurance in a single 12-month period, according to the Association of British Travel Agents (ABTA). So how do you get the right insurance for your trip? Here are 5 questions to ask before you buy.

Josh Daniels
From the Travel team
3
minute read
Do you know someone who could benefit from this article?
Posted 9 DECEMBER 2019

1. How often do you travel?

Just a week or two in the sun – try looking at single-trip policies.

More than a couple of trips in a year – you might benefit from multi-trip travel insurance as this could save you money in the long run.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority.

If a country is on the green or amber 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 currently advises against all but essential travel to 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.

2. Where are you going?

Staying in the UK – even if you’re having a staycation close to home it makes sense to get travel insurance, so you’re covered if your holiday gets cancelled, for example.

Travelling to the EU – you’ll need EU cover, but be aware that certain countries like Turkey and Iceland are not included as they are technically outside the EU.

Travelling outside the EU – worldwide cover might be right for you, but check that the specific country you’re visiting is covered by your policy if you’re planning on going further afield. For example, the USA isn’t always covered by worldwide policies.

3. 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.

4. What will you be doing?

The type of travel insurance you need will depend on what you’ll be doing. For example:

5. Have you got the right level of cover?

When you pick your policy, look for:

  • Emergency medical cover – at least £1million or more within Europe, and at least £2million or more if you’re travelling to the USA or worldwide
  • Personal liability – look for cover up to £2million
  • Cancellation cover – make sure this is at least equal to the cost of your holiday, so £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.

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