- Cover for holidays, business and relocation travel
- Medical and cancellation protection
- Options for expats, families and long-term travellers
What Is Travel Insurance?
Travel insurance helps protect you financially against unexpected problems before or during your trip.
Policies can provide cover for:
- Medical emergencies
- Trip cancellations
- Lost baggage
- Delayed flights
- Travel disruption
Whether you are visiting the UK, relocating internationally or travelling regularly for work, travel insurance can provide important financial protection and peace of mind.
Who Should Consider Travel Insurance?
Travel insurance can be useful for:
- Expats relocating internationally
- Overseas visitors coming to the UK
- Families travelling abroad
- Business travellers
- Students studying overseas
Even short trips can involve unexpected disruption, medical costs or lost belongings, particularly when travelling internationally.
Common Types of Travel Insurance Cover
Emergency Medical Cover
Helps with:
- Emergency treatment
- Hospital costs
- Medical transport
- Repatriation
Trip Cancellation Cover
Provides protection if you need to cancel your trip due to:
- Illness
- Family emergencies
- Unexpected events
Lost or Delayed Baggage
May cover:
- Lost luggage
- Delayed baggage
- Personal Belongings
Travel Delay Protection
May help cover:
- Delayed flights
- Missed connections
- Additional accommodation costs
Personal Liability Cover
Protection if you accidentally injure someone or damage property while travelling.
Single Trip vs. Annual Cover
Choosing the Right Type of Policy
Single Trip Insurance
Best for:
- One-off holidays
- Short-term travel
- Occasional trips
Annual Multi-Trip Insurance
Best for:
- Frequent travellers
- Business travel
- Expats travelling regularly between countries
Annual policies can often provide better value if you travel multiple times per year.
Special Considerations for Expats
Standard travel insurance policies may not always suit expats or long-term international travellers.
Important things to check:
- Length of cover
- Country eligibility
- Existing medical conditions
- Long-stay travel limits
- International healthcare access
Some insurers offer specialist expat or international travel insurance designed for people living or working overseas.
Declaring Medical Conditions
Most insurers require you to declare pre-existing medical conditions when applying for cover.
Important:
Failing to disclose relevant medical conditions could invalidate your policy.
Conditions may include:
- Heart conditions
- Diabetes
- Mental health conditions
- Previous surgeries or ongoing treatment
Comparing Travel Insurance Policies
You can compare quotes using:
Travel Insurance Comparison Sites:
Einsure Travel Insurance
Einsure offer a comparison tool to work out the best quotes for your single trip or annual travel insurance. Get quotes in minutes from multiple reputable providers.
Compare The Market
Find quotes from multiple single trip and annual travel insurance policies from Compare the Market. Become a customer and open up access to additional perks and savings.
MoneySuperMarket
MoneySuperMarket offers travel insurance from just 75p per day, get quotes within just a couple of minutes and get instant cover when you buy online.
Comparing policies can help you understand differences in:
- Cover levels
- Excesses
- Medical limits
- Cancellation protection
- Travel restrictions
Travel Insurance Providers
Examples include:
Allianz Assistance
MoneySuperMarket offers travel insurance from just 75p per day, get quotes within just a couple of minutes and get instant cover when you buy online.
Staysure
Staysure offers award winning travel insurance on single trip or annual policies, with excellent customer reviews on Trustpilot and lots of positive feedback in the national press.
Admiral
Admiral offer a wide range of travel insurance options along with a wide range of extras including Cruise Insurance, Gadget Insurance and Extra Adventurous Sports Cover. It takes only a few minutes to get quotes.
What Impacts Travel Insurance Pricing?
Pricing usually depends on:
- Age
- Destination
- Trip Length
- Medical History
- Activities Planned
- Level of Cover
Trips involving winter sports, adventure activities or long-term travel often increase premiums.
Tips for Choosing the Right Cover
- Check medical cover limits carefully
- Understand cancellation terms
- Verify destination coverage
- Review baggage limits
- Check excess amounts
- Ensure activities are included
Common Travel Insurance Mistakes
- Choosing the cheapest policy only
- Not declaring medical conditions
- Ignoring exclusions
- Assuming all gadgets are covered
- Overlooking travel delay limits
Helpful Insurance & Relocation Guides
- Helpful Guides Here
Frequently Asked Questions
Do I need travel insurance to visit the UK?
It is not legally required in most cases, but strongly recommended.
Does travel insurance cover medical emergencies?
Most policies include emergency medical cover, but limits vary.
Can expats get travel insurance?
Yes, although specialist policies may be more suitable for long-term international living.
Does travel insurance cover cancellations?
Many policies do, depending on the reason and level of cover.
Do I need to declare medical conditions?
Yes, this is usually required by insurers.