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Whether you’re jetting off on a weekend city escape, soaking up the sun on a family beach trip, or setting off on a long-term adventure around the world, having travel insurance that fits your plans is essential.
Choose the right level of cover – Single-trip policies are usually cheaper for one-off trips, while annual multi-trip policies may offer better value if you travel frequently.
Provide accurate information – Giving correct details about your age, health, travel plans, and activities ensures you’re not paying for unnecessary coverage.
Review optional extras carefully – Add-ons like winter sports cover, adventure activities, or rental car protection can be useful, but only include what you actually need.
Plan ahead – Booking your policy early, rather than last-minute, may help reduce premiums, and some insurers may offer benefits for advanced purchase and protection against cancellations.
Tailored for you
We want to help you travel with peace of mind, without paying for cover you don’t need. That’s why we work with trusted partners who provide access to travel insurance quotes tailored to your trip.
What is travel insurance?
Travel insurance is a type of protection that helps cover unexpected events and emergencies while you’re travelling. It can include a range of benefits depending on the policy. Travel insurance comes in several types, depending on how often you travel and the level of cover you need.
Single-trip insurance
Covers one specific trip from start to finish. Ideal if you only travel occasionally.
Annual multi-trip insurance
Covers multiple trips within a 12-month period. Best for frequent travellers, as it can be more cost-effective than buying single-trip policies for each journey.
Specialist policies
Tailored for particular situations or activities, such as extended trips covering travel for several months or even years. Specialist policies also include various activities such winter sports cover, cruise insurance, or business travel insurance.
Travel Insurance FAQs
What does travel insurance cover?
Travel insurance can protect you from a wide range of unexpected events while you’re away. Coverage varies by policy, but common areas include:
- Medical expenses – Costs for treatment if you get sick or injured abroad, including hospital stays, doctor visits, and sometimes emergency medical evacuation
- Trip cancellation or interruption – Reimburses non-refundable travel costs if you need to cancel or cut short your trip due to illness, injury, family emergencies, or other covered reasons
- Lost, stolen, or delayed baggage – Compensation for your belongings if they are lost, stolen, or delayed during your trip
- Travel delays – Covers extra expenses caused by delayed flights, missed connections, or other travel disruptions
- Emergency assistance – Access to 24/7 support for medical, legal, or travel-related emergencies
- Personal liability – Protection if you accidentally cause damage or injury to others while travelling
Some policies also offer optional extras like coverage for extreme sports, rental car excess, or adventure activities. It’s important to read your policy carefully so you know exactly what’s included and any exclusions that may apply.
When should you buy travel insurance?
It’s best to purchase travel insurance as soon as you book your trip. Buying early can help ensure you’re covered for unexpected events that might occur before you even leave, such as:
- Trip cancellation due to illness, injury, or other emergencies
- Travel delays or missed connections
- Changes in personal circumstances that could affect your plans
Waiting until the last minute may limit your options or mean you miss out on important coverage. Early purchase also gives you time to compare policies and find one that best suits your trip and budget.
Which travel insurance is right for me?
The right travel insurance for you will depend on your plans and circumstances.
- Going on one holiday this year? A single trip policy may be more suitable
- Travelling multiple times? Annual cover could offer better value
- Heading off for months? A long-stay or backpacker policy may be the right fit
While price matters, the cheapest policy isn’t always the best value. Check what’s included especially medical cover limits, cancellation protection and any exclusions before you buy.
How much is travel insurance?
The cost of travel insurance depends on:
- Where you’re travelling to
- How long you’ll be away
- Your age and any pre-existing medical conditions
- The type of cover you choose (Single Trip, Annual Multi-Trip, etc.)
- Any optional extras you add (like gadget or winter sports cover)
European policies are often cheaper than worldwide ones, but medical costs in some countries (like the USA or Caribbean) can be much higher so it’s important to make sure your cover matches your destination.
If you have pre-existing medical conditions, you’ll need to declare them when getting a quote to ensure you’re properly covered.
Can you cover multiple people in a travel insurance policy?
Yes, many travel insurance plans allow you to cover more than one person under a single policy. This can be useful for couples, families, or groups travelling together and is often more convenient and cost‑effective than buying separate policies for each person.
Just make sure everyone’s details (such as age and health information) are included accurately when you take out the policy, as this can affect the price and level of cover.
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