Travel Insurance
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Don’t risk going on your travels without first ensuring you have adequate travel insurance for your trip. We’ve teamed up with TravelSupermarket to make it easier for you to find the best travel insurance at affordable prices.
Whether you’re taking a two-week break in the sun, a cheap short break for the weekend, or a round-the-world adventure, search now and compare quotes from more than 50 travel insurance providers.
Travel Insurance from as little as £4.79*
Compare 400+ holiday insurance policies from over 50 travel insurance providers
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What is travel insurance?
Travel insurance could cover medical expenses, trip cancellation or delays, lost or stolen baggage and personal liability while you’re travelling. The type of cover you need will depend on the countries you’re visiting, the activities you’ll be doing and the length of your trip. You’ll also need to state whether you want travel insurance for a single trip, multiple trips or for backpacking.
Do you still need travel insurance if you have a European Health Insurance Card (EHIC)?
- With an EHIC (formerly E111) you get the same level of state-provided medical care as someone who lives in the country you’re visiting. It’s valid in all European Economic Area countries and Switzerland.
- The downside is that the local level of care might not be the same as what you’d get in the UK. You’ll also need to pay for part of your bills, if that’s how the local system works.
- EHIC won’t cover the costs of repatriation – getting you back home – after a medical emergency on holiday could be very costly.
- If you use an EHIC to get medical care, some insurers won’t ask you to pay the excess on your medical claims.
- While it’s worth getting an EHIC, it’s not enough on its own. You should still get travel insurance that includes medical and repatriation cover.
Why do I need travel insurance?
While we all love to travel and get away from the daily work grind, accidents do happen – as well as the all important medical bills, travel insurance covers, flight delays, holiday cancellation, lost items and thefts. All these can prove very costly if you travel without Holiday Insurance or you aren’t properly insured.
Almost 1 in 4 people opt to not take out travel insurance for their holidays. However, they probably should have, when you consider that travel insurance providers paid out £370m in 591,000 claims last year, according to the Association of British Insurers (ABI).
To give you some idea of the potential costs without insurance for emergency medical care, the ABI has examples of what has been paid in 2017 for claims that you’d have to pay if you had no insurance:
The average cost for overseas medical treatment is £1,300, but can be much higher. Source: ABI (2017)
For example, in one case treating multiple fractures and an artery tear in the USA, a British citizen was forced to take an air ambulance back to the UK.
The cost of the treatment and transport was close to £500,000.
- Getting medical care on holiday could cost you thousands of pounds.
- Travel insurance that covers getting you home and medical expenses is essential.
- Other insurance – like credit card accident cover and private health insurance – doesn’t cover most travel emergencies.
- Without insurance, you might have to cover emergency expenses on your own – the British Consulate is unlikely to help you.
So, whether you’re taking the family to the beach, taking a gap year to travel the world or simply making the most of your retirement, we’ve got a travel insurance policy to keep you covered.