Great value travel insurance with a flexible range of cover options
- Single Trip and Annual Multi-Trip options
- Ski & Snow Board cover
- Backpacker and Long Stay policies
- Pre-existing medical conditions covered
- Over 80s travel insurance
Single Trip and Annual Multi-Trip Travel Insurance
- Single Trip Cover
- Annual Multi-Trip Cover
- Europe and Worldwide Cover Options
- Ski & Snow Board Travel Insurance
- Cover with Pre-Existing Medical Conditions
Backpacker and Long Stay Travel InsuranceDesigned for gap year and long distance travellers, Backpacker and Long Stay travel insurance gives you the flexibility to cover Europe, Australia/New Zealand, or Worldwide with or without USA/Canada/Caribbean cover. So you won’t pay for any Worldwide cover that you don’t need. This type of policy can last anywhere up to 360 days to suit your adventure.
Over 80s Travel InsuranceWith cover options available for travellers of all ages, over 80s can still get great value policies; including cover with or without pre-existing medical conditions and insurance for travelling companions on the same policy. For more information and a quote, take a look at our over 80s travel policy details.
Is travel insurance compulsory?Travel insurance is not a mandatory requirement like car insurance is. However, it’s highly recommended to give you protection in the unfortunate event your holiday doesn’t go according to plan. It’s also worth keeping in mind that many countries, such as Cuba, may require proof of cover before allowing you entry.
Is Travel Insurance Worth it?According to the Association of British Insurers (ABI), the cost of the average annual travel insurance policy is £37. This is much cheaper than the average medical claim (£1,300) and cancellation claim (£816). The question is, how much risk do you want to take? The last thing you want on your mind during your well-earned holiday is the cost if the worst should happen.
How Much Travel Insurance do I Need?Not all policies are equal and some will provide a more complete level of cover. Think about what cover you need; if you aren’t travelling outside of Europe then worldwide insurance may not be necessary.
What is Usually Covered?Your policy will likely cover you for most ‘common’ claim situations:
- medical expenses
- personal liability
- lost or stolen possessions
- flight cancellations and delays
- end supplier failure
- ending your trip early due to illness or a family emergency
What may not be Covered?The following may not be included in all policies and could be optional extras.
- extreme sports and activities such as surfing, sailing and skiing
- travel to countries that the Foreign and Commonwealth Office (FCO) advises against
- strikes and civil unrest
- natural disasters such as earthquakes, hurricanes and volcanic eruptions
- taking an excessive amount of alcohol or consumed other drugs
- not taking reasonable care of your possessions
Travel Insurance for ‘High risk’ IndividualsCertain individuals may find it more challenging to get cover. This is because they are perceived as a higher risk by insurers. This may include you if you:
- are aged over 65.
- have a medical condition. Note that these must be declared otherwise your policy may be invalid.
Do I need travel insurance for Europe?Although travel insurance isn’t required for travelling to Europe, or any part of the world, it’s highly recommended. A European Health Insurance Card (EHIC) entitles you to use state-provided healthcare during a temporary visit to another country in the European Economic Area (EEA) or Switzerland. The UK has issued 27 million of these cards according to the Department for Health. This is however not an alternative to taking out a comprehensive travel insurance policy. A EHIC doesn’t cover the costs of:
- Private medical healthcare
- Lost or stolen property
- Delayed or cancelled flights
- Being flown back to the UK (repatriation)