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Read full guide : Europe’s most festive Christmas market revealedTravel insurance offers you coverage against a range of potential issues so you aren’t left out of pocket should the unexpected happen.
Whether you’re travelling one night for business, or need 90 day cover for backpacking Europe – Quotezone.co.uk can help you in your search for the cheapest travel insurance with our panel of up to 15 expert UK-based insurance specialists.
Medical expenses incurred overseas without insurance can be very costly and potentially lead to serious financial repercussions. Having travel insurance in place can protect you against these costs when you travel outside the UK.
Single trip travel insurance will cover you for a single trip or holiday. The duration of cover can usually be determined by you, however some insurers will have limits of how long you can be covered.
If you travel multiple times throughout the year, then a multi-trip travel insurance policy may be the cheaper option. It can cover you for multiple trips usually up to 28 days in duration for a 12 month period.
Backpacker insurance will offer you coverage for a single prolonged trip, typically across multiple countries. Some insurers will offer backpacker insurance to couples, family members and groups.
This allows multiple people to be protected under one travel insurance policy. It can be cheaper and more convenient overall when travelling as a group, or family.
Worldwide travel insurance will cover you for travel destinations outside of Europe. This insurance is usually separated into two types – worldwide cover that includes the USA, Canada and the Caribbean islands and worldwide cover that excludes these locations. It is usually cheaper to get the second option if you are not traveling to the USA or any other of these destinations.
Travel to countries within continental Europe will typically be cheaper than worldwide insurance. Some neighbouring locations outside of Europe such as Turkey or Tunisia, may be covered under European travel insurance.
Existing medical conditions, whether terminal illness or a hernia, should be insured under your travel insurance policy to ensure you aren’t at risk if you need treatment overseas. Not all insurance providers will cover pre-existing medical conditions – that’s why it is important to compare travel insurance quotes so you can find the right travel cover.
Failure to declare a medical condition, even if you think it is not significant, will see your travel insurance policy rejected when you need to make a claim for medical costs.
While it may not be standard for most travel insurance policies, some insurers will offer coverage for pre-existing conditions or terminal illness.
Whilst it may be more expensive to get travel insurance for pre-existing medical conditions, it is still possible to find cheap coverage. Compare medical travel insurance with Quotezone to find the cheaper quotes.
The exact cost of your insurance will depend on several factors. These include things like your age, how long you will be travelling, the level of cover you choose, and any policy add-on extras or add ons.
Your travel destination also plays a huge role in the cost of travel insurance. Insurers factor in the risks associated with each country to determine how likely you are to make a claim. One unavoidable travel risk is pickpocketing. And travel insurance comparison experts at Quotezone have crunched the numbers to reveal which European country ranks highest for pickpocketing.
Based on data analysis by Quotezone.co.uk
If you have a medical emergency or fall ill while travelling overseas, you can claim for the cost of associated treatments by overseas healthcare providers.
You can claim the full or partial value of your baggage if it is lost, stolen or damaged during your travels.
If you or a family member needs emergency medical repatriation then you can claim on these costs. Death abroad is also covered for repatriation.
Cancellation cover allows you to claim up to a certain amount for last minute cancellations due to illness, injury or bereavement.
Covers you for cancelled or delayed flights along with other travel disruptions beyond your control.
Should you require emergency legal services whilst overseas or loose important documents such as your passport, many travel insurance policies will cover you.
If you miss a flight due to being late or not appearing for your flight, your travel insurance will not cover this expense.
Some pre-existing medical conditions wont be covered under standard travel insurance. You’ll need to declare any pre-existing medical conditions to your insurer. Failing to do so can lead to your cover and any claims made being rejected.
Standard travel insurance will not insure a car you hire while abroad. The car rental provides will typically offer cover for this.
Dangerous sports such as white-water rafting, racing, rock-climbing and others are deemed high risk by insurers. You typically won’t be able to claim for costs related to these activities.
You will not be covered if you decide to cancel your trip without reason such as injury, illness or bereavement.
Injury and accidents whilst under the influence of drugs and alcohol are not covered by insurers.
If the Foreign, Commonwealth and Development Office (FCDO) recommends against travel to your desired location and you still decide to travel, you typically won’t be offered travel insurance.
Everyone’s travel plans are unique, so standard travel insurance may not be enough to cover you for all your travel plans. By adding extras to your travel insurance quote you can get all the coverage you need for your holiday.
Some delays and disruptions such as natural disasters, terrorism, Covid-19 and airspace disruptions are not covered by standard travel insurance. Trip disruption coverage will offer you protection against additional risks that may disrupt your travel plans.
If you are worried about excess fees should you need to make a claim, you can opt to add excess waiver insurance to your policy. This will waiver any excess fees for an additional premium cost.
As most standard travel insurance polices will not cover extreme sports, you’ll need specialist cover for activities such as skiing, white-water rafting and rock-climbing.
A typical single-trip travel insurance policy will cover you for up to 28 to 31 days. Trip extension coverage can extend your coverage usually up to a duration of 60 days.
Cruise cover can protect you against cabin confinement, cancelled or changed itinerary costs and unused excursions. Some cruise lines will require you to be insured.
Some insurers will offer additional cover to protect you from missed departure flights due to public service delays, breakdowns and other delays not related to injury or medical emergency.
Depending on the value of the gadgets you need insured, you may need specialist insurance to cover your phone, laptop, tablet and watch. Check your policy details for what gadgets are covered.
Specialist travel insurance can cover you for a variety of non-standard travel arrangements. Group travel insurance, family travel insurance, under 18s travel insurance and couples travel insurance are some examples of specialist travel insurance coverage.
We search up to 15 travel insurance providers to save you hassle and money
Compare Travel Insurance
We search up to 15 travel insurance providers to save you hassle and money
Doing a travel insurance comparison can increase your chances of finding cheap travel insurance. By using Quotezone.co.uk you can compare multiple travel insurance quotes for the right cover and price.
Compare different coverage options to see which travel policy can offer you the most the cover at the right price. For example, If you are travelling multiple times throughout the year then multi-trip travel insurance may be the right travel insurance for you.
Increasing your excess can be a good way of getting cheaper travel insurance premiums. Be sure that you choose an excess amount that is affordable in case you need to make a claim.
At Quotezone we can help you compare travel insurance from up to 15 UK-based travel insurance providers. Quickly compare cheap holiday insurance quotes in minutes and get the right cover at the right price. How does it work?
Tell us where you’re travelling, the start and end date of your cover, the level of coverage you require, and any pre-existing medical conditions that need declared.
Compare quotes from multiple travel insurance providers for the cheapest price and right coverage.
Once you’ve found a cheap holiday insurance policy, check it covers you for all your travel needs and then simply purchase your policy.
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