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Overview

Travel Insurance

Use our online form to search for cheap travel insurance.


 

From skiing to sun-bathing, if you are looking for cheap holiday insurance why not use our online quote form to see how much you could save? Getting a quote is simple. Just fill in a few details on our travel insurance comparison form about you, any other travellers and your destination and we will return prices within seconds.

If you are travelling solo or booking insurance for a group of people or your family, we compare quotes from over 30 providers to help you find a cheap price and a range of cover levels to suit your specific needs.

You can choose from single-trip policies or annual cover if you like to take a few holidays each year. In your quote you can include baggage cover, winter sports cover and cancellation cover so the things that are important to you are included in your policy. Along with your travel quote prices we will also display if medical expenses cover is included so if something unexpected happens on your trip you don’t end up with a large medical bill.

Why not try Quotezone today to see if we could save you money?

If you have pre-existing medical conditions please use our directory of companies which can be found here

Travel Insurance Guide

For overseas travellers, things like luggage and passports are generally considered essential for the trip. But what about travel insurance? Far fewer people might consider this a travel essential, and yet it's probably an important part of ensuring the trip goes smoothly, and of ensuring the traveller is not left out of pocket if something goes wrong.

Basic Travel Coverage

Regardless of what optional extras a traveller chooses, travel insurance for UK holidaymakers may include all of the following components.

Cancellation and curtailment: This part of the policy is the fall-back if a traveller has to cancel their holiday, or if they go on holiday and then have to cut it short and return home early. A good general rule for coverage level is to choose an amount that will reimburse the total cost of the holiday if the traveller has to make a claim.

Baggage and belongings: Pays for the cost of lost or damaged luggage and personal possessions, generally up to a limit of around £1,500 to £3,000 for luggage, £250 to £500 for cash, and £500 for individual items such as laptops, smartphones, and cameras.

Delay: This typically pays out if the flight is delayed for longer than the period of time specified in the policy, which is typically 12 or 24 hours. When a traveller's flight is delayed, they should get confirmation in writing from the airline and keep the receipts for anything they have to pay for or buy as a result of the delay.

Medical expenses: One of the most expensive travel disaster scenarios involves having to get medical care while abroad. Depending on the country a traveller is visiting, and the kind of medical care they need, the costs could easily run to tens of thousands, and even hundreds of thousands of pounds. Insurance experts typically recommend getting £1 to £2 million worth of coverage for medical care.

Personal Liability: This kind of insurance applies in cases where the traveller injures someone or damages their property, and the third party makes a claim for compensation. A standard policy typically provides compensation of up to £1 million.

Travellers might do well to remember to check the fine print, and make sure they're covered for everything they think they are. This could be particularly important for things like cancellation and curtailment, when it's important to be absolutely clear on what circumstances are included.

Note that few travel insurance policies provide coverage for pre-existing medical conditions. For example, for someone who is diabetic, their travel insurance won't cover any medical expenses relating to the diabetes, but will provide coverage for any unrelated medical expenses. People with medical conditions could opt for special cover that includes the pre-existing condition, but might pay higher premiums.

Special Coverage Types

Adventure travel: This might cover high-risk activities for adventure tourists, but it does usually come at a price. Insuring a trip that includes activities such as bungee jumping, rock-climbing, and abseiling could mean higher premiums. Similarly, it might be possible to purchase specialist policies that cover winter sports, for activities such as skiing and snowboarding.

Annual travel: For frequent travellers, it could prove to be cheaper to buy annual insurance that provides coverage for the whole year, rather than buying policies for individual trips.

Backpackers: Most travel insurance is typically valid for a short period of time, typically 30, 60, or 90 days. Consider something like backpackers' insurance for longer trips. This could be valid for up to 18 months and covers multiple countries.

Family travel: For families travelling with children, some policies offer free insurance for kids under a certain age; however some charge a separate excess for each member of the family. This might mean that family insurance isn't always cheaper, but it could be worth investigating for family holidays.

Older Travellers: Most insurance companies charge higher premiums for older travellers. For older travellers, there may be specialist insurance providers that cater to the over-50 demographic. These could be more likely to provide coverage for certain pre-existing conditions, and often have higher medical claims limits.

Comparing Policies

To compare travel insurance policies online, a traveller could look at all aspects of a policy as well as the cost of the premiums: excesses for various different components of the policy, payout amounts, the extent of medical coverage, and other things. Travellers who fall into a specialist group—such as people with pre-existing conditions, or those over 50—might look at general travel insurance as well as specialist policies to see which is most useful.

It's typical for travellers to require to compare policies from the same regions, and ultimately choose one that covers the destination country. Policies are grouped by area, with three general choices: Europe, worldwide excluding the US, and worldwide including the US.

Policy comparison might also include the policy's treatment of excess when making claims. Some policies charge an excess for each type of claim; for example if a traveller is robbed and is injured during the robbery, they might be charged an excess for medical expenses, and a separate excess for reimbursement of lost property.

Getting the Most Insurance for Your Money

To get cheap travel insurance, travellers could compare policies carefully and think about their specific requirements for each aspect of the policy. For example, someone who travels without valuables such as laptops and other electronics may be able to reduce their valuables coverage.

However, note that the cheapest insurance is not necessarily the best, especially for a traveller who falls into one of the specialist categories. In this case it could be better to pay more for insurance than to buy a general policy that doesn't provide the necessary coverage.