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RAC Insurance Swinton Insurance Admiral Insurance Direct Line One Call Insurance GoSkippy Insurance

How to save money on your travel insurance..

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Step One
Complete the simple form

Fill in your destination and trip details for your travel insurance.

Step Two
Compare quotes from providers

Compare quotes from top UK travel insurance providers side by side to find your best fit.

Step Three
Sit back, save and get covered

Choose from the quotes on offer and protect your holiday from unforeseen trip disruptions.

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Why Travel Insurance?

Traveling abroad is an exciting experience, but unforeseen travel delays, lost luggage, or medical emergencies overseas can turn a dream holiday into a costly nightmare. Travel insurance provides crucial financial protection so you can enjoy your trips abroad with total confidence.

1. Understand Why You Need Travel Insurance:

  • Medical Emergencies Abroad: Emergency medical treatment, hospital stay, and repatriation costs overseas can reach tens of thousands of pounds without insurance.
  • Trip Cancellations & Delays: Reimburses non-refundable flight and accommodation expenses if illness or family emergencies prevent you from traveling.
  • Lost or Stolen Belongings: Financial cover for stolen passports, lost baggage, cash, and personal belongings.

2. Decide the Type of Cover You Need:

  • Single Trip Cover: Ideal for one-off holidays, weekend city breaks, or single trips.
  • Annual Multi-Trip Cover: Cost-effective for frequent travelers taking multiple trips per year.
  • Backpacker Cover: Long-stay extended cover for multi-country gap year travel.

3. Key Features to Consider:

  • Medical Expenses Limit: Ensure policy provides at least £5m–£10m for overseas emergency medical care.
  • Cancellation Cover Amount: Verify cancellation limits match your total holiday booking costs.
  • Baggage & Personal Belongings: Coverage caps for individual high-value items like cameras and tablets.
  • Winter Sports / Extreme Activities: Optional add-ons for skiing, snowboarding, or scuba diving.

4. Look Out for Exclusions:

  • Pre-existing Conditions: Undeclared medical history will invalidate claims overseas.
  • Government Travel Advisories: Traveling against FDO travel advisories invalidates policy cover.
  • High-Risk Extreme Sports: Participating in unlisted extreme sports without activity endorsements.

5. Declare Pre-existing Medical Conditions:

Full medical disclosure ensures your travel insurance policy covers potential complications or treatments while traveling abroad.

6. Check for Extras:

  • Gadget Cover: Protects high-end smartphones, laptops, and tablets while traveling.
  • Cruise Cover: Cabin confinement, itinerary changes, and missed port departures.

7. Read the Policy Wording:

Review excesses, claim limits, and retain emergency 24/7 helpline numbers on your mobile device.

8. Use Comparison Websites:

Comparing travel insurance online across leading UK insurers ensures securing comprehensive coverage at optimal rates.

9. Consider an EHIC or GHIC:

Global Health Insurance Cards complement private travel insurance in European countries but do not replace private medical evacuation or trip cancellation cover.

10. Buy in Advance:

Purchasing travel insurance immediately upon booking your holiday ensures cancellation protection takes effect right away.

11. Remember Renewals:

Track annual policy renewal dates to maintain seamless multi-trip travel protection.

12. Claiming:

Retain medical bills, police report numbers, and receipts for fast claim processing.

Happy Travels..

Enjoy your journeys around the world with the confidence of tailored travel protection.

FAQs For Comparing Travel Insurance

Can I buy travel insurance if I am already abroad?

Most standard travel insurance policies must be purchased before departing the UK. Specialist already-abroad policies exist but carry specific waiting periods.

What is a pre-existing medical condition?

A pre-existing medical condition is any illness, injury, or chronic health condition diagnosed prior to taking out your travel insurance policy. Full declaration ensures valid claim coverage.

Does my policy cover coronavirus disruption?

Most policies include emergency medical expenses for COVID-19 while traveling, though cancellation cover depends on individual policy terms.

What is annual multi-trip travel insurance?

An annual multi-trip policy covers an unlimited number of trips taken within a 12-month period, saving time and money for frequent travelers.

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