What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (2023)

What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (1)

Home Insurance Best travel insurance

Every year, our team of impartial experts review the travel insurance products available in the UK and assign Moneyfacts Annual Star Ratings to the ones that really stand out. We collect over 110 pieces of information for each individual product before analysing and comparing them to produce ratings. Those that offer the best range of features and benefits are awarded a top rating of five stars.

Moneyfacts has been analysing data for 35 years and our Star Ratings act as a badge of quality, providing an easy way for you to identify exceptional products that deserve your consideration. The chart below shows a selection of those awarded four and five stars, and you can see the full list of winners at the end of this page.

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Featured travel insurance providers

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (2)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (3)

    Save 10% today with code MF10

    • No age Limit
    • Cover for pre-existing medical conditions –We can offer cover 100’s of pre-existing medical conditions with a fast and accurate online medical screening.
    • Smart Luggage cover as standard on gold policies –receive real-time payout if your luggage is lost or delayed of up to £550. Also available to add on or buy independently from just £3.
    • High Cover Limits– For medical cover, cancellation and baggage.
    • Panel of insurers– We work with a panel of insurers and compare prices to find you the best policy at the right price.
    • Covid 19 - Cover for cancellation and emergency medical treatment in relation to Covid-19
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (4)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (5)

    Moneyfacts Star Rating: 5 Stars

    With our insurance you will be covered for COVID-19 related reasons including:

    • If you need to cancel your trip because you tested positive for COVID-19 within 14 days of travelling
    • If you need to cancel your trip because a close family member passes away due to COVID
    • Emergency medial treatment whilst abroad and costs to get you home if needed

    On top of that, you can get cover for loss of luggage and personal money as well as delayed* or missed departure. Plus, there is no upper age limit and all medical conditions are considered.

    *Not available on Economy or Lite levels of cover

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (6)

    LV=

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (7)

    Moneyfacts Star Rating: 5 Stars

    15% online discount on LV= travel insurance

    Choose from our Essential or Premier cover, which offers:

    • Up to £5,000 cancellation cover or £10,000 with our Premier Policy
    • All pre-existing medical conditions considered
    • No upper age limit for single trips
    • Cruise cover automatically included on annual policies

    You can choose to add cover for baggage and winter sports. You can also add cruise cover to single trip policies.

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (8)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (9)

    Moneyfacts Star Rating: 5 Stars

    Cover your next holiday with the UK's most trusted travel insurance provider ‡

    • Pre-existing health condition cover with up to unlimited medical expenses*
    • Cancellation cover up to £5,000*
    • Superior-rated COVID protection§
    • No upper age limit on our policies
    • Up to unlimited medical expenses*

    ‡ UK’s No.1 for Travel Insurance is based on more Trustpilot reviews than any other travel insurance provider
    *Available on Comprehensive policies.
    § As rated by a large UK independent consumer association

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (10)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (11)

    Moneyfacts Star Rating: 4 Stars

    TravelTime specilises in offering great value Single Trip, Annual Multi Trip, Winter Sports and Backpacker travel insurance.

    • Quick and east to quote and buy
    • Choose from 3 great levels of cover
    • 24 hour worldwide emergency assistance
    • Friendly UK based customer service
    • Award winning Coronovirus cover*

    * Forbes Advisor 2022 - One of the Best Travel Insurance Companies for Covid-Related Risks

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (12)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (13)

    Moneyfacts Star Rating: 5 Stars

    Saga Travel Insurance has been tailored for people over 50 with no upper age limit

    • Cover for many pre-existing medical conditions
    • Up to £10,000 cancellation cover
    • Up to £10 million emergency medical cover
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (14)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (15)

    Moneyfacts Star Rating: 5 Stars

    It’s not just travel insurance, it’s travel reassurance!

    • Pre-existing health condition cover with up to unlimited medical expenses*
    • No age limit - enjoy travelling whatever your age
    • Superior-rated COVID cover included at no extra cost✝
    • Up to £7,500 cancellation cover*
    • 24/7 medical emergency support

    *On Deluxe policies.
    ✝ Rated by a large UK independent consumer association

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (16)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (17)

    • Cover included for COVID 19
    • Big cover at affordable prices
    • Cover for Pre-existing medical conditions available
    • Cover for you and the people you travel with
    • 24/7 emergency medical support, 365 days a year
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (18)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (19)

    We’re a travel insurer that goes above-and-beyond to provide excellent cover and the friendly face of insurance. With over 1 million policies sold and 30 years’ experience, our outstanding rating with Trustpilot says it all when it comes to our world-class level of service.

    • UK customer service
    • 24/7 helpline
    • In partnership with AXA
    • Covid-19 cover Included
    • Over 50 sports covered
    • Easy to claim
    • Medical cover up to £15 million
    • Cancellation cover up to £5000

    loveit coverit travel insurance will protect you, those you’re travelling with, and your belongings wherever you’re going. Visit our website today for a free instant quote.

  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (20)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (21)

    • Complete one simple form and get quotes from over 30 UK providers including: Alpha Travel Insurance, Insurance Republic, flexicover, multitrip.com and Columbus Direct.
    • Whether you just need cover for a weekend away or an annual policy for many trips per year, see how much you could save today!
    • With Quotezone Rewards, unlock an entire platform of cashback and discounts for a full year just for completing an insurance quote.
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  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (22)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (24)

    Moneyfacts Star Rating: 4 Stars

    Get 10% off when use the code MONEYFACTS10 at checkout

    • Flexible Choice-Choose Single trip or Annual Multi Trip cover with varying levels of cover and many sports and leisure activities included as standard.
    • Cover when you need it -We insure a wide range of medical conditions.
    • Cover for young and old-We don't think age should hinder adventure which is why we offer travel insurance to holidaymakers aged 18 to 70.
    • Access to our 24-hour Multilingual Emergency Helpline-If you’re injured or fall ill while on holiday, you can call our 24-hour Emergency Assistance Helpline.
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (25)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (26)

    Moneyfacts Star Rating: 5 Stars

    • Medical Expenses for Medical Emergency & Repatriation (up to £20,000,000)
    • Trip Cancellation, Curtailment & Interruption (up to £10,000)
    • Personal Luggage(up to £3,000)
    • Personal Liability (up to £2,000,000)
    • Leisure Guard travel insurance has a 24hr emergency helpline in place should you need us.
    • Cruise cover is included with all of our policies at no additional cost
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (27)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (28)

    Moneyfacts Star Rating: 5 Stars

    • Medical travel insurance
    • Experts in cover for medical conditions
    • No upper age limit
    • Cover for cruise holidays
    • Covid-19 emergency medical cover abroad included in all policies
    • Covid+ policies include cancellation cover if you contract Covid-19 before you travel
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (29)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (30)

    Moneyfacts Star Rating: 5 Stars

    • Great value travel insurance
    • All policies include emergency medical cover abroad and cancellation if you contract Covid-19.
    • Discounts for couples, families and single parent families
    • Backpacker / Gap year cover
    • Cover for adventure sports and activities available
    • Wedding cover available
  • What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (31)

    What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (32)

    Moneyfacts Star Rating: 4 Stars

    • Flexible cover options to suit your trip
    • Insurance that covers you worldwide
    • Annual and Single Trip policies
    • Cover for pre-existing medical conditions
    • Award winning customer service

Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The list of travel insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

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What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (33)

What elements of the travel insurance policy do we look at?

The Moneyfacts Star Ratings for Travel Insurance are based on the weighting of specific product features, outside of premiums, that are likely to be the most relevant to those looking to take out a policy. A considerable number of features will add to the final score, and some of this information includes:

  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover

Travel Insurance Star Ratings 2022

Click the headings below to see the full list of star ratings awarded.

Annual Travel Insurance - Five Star

AA - Gold
AA - Gold (AA Members)
AA - Silver (AA Members)
Able2Travel - Gold
Able2Travel - Platinum
Allianz Assistance - Gold
AllSAFE (Brokersure) - Premier
AllSAFE (Brokersure) - Premier Plus
Annualtravelinsurance.com - Super Plus
A-Plan Insurance - Premier
A-Plan Insurance - Premier Plus
ASDA Money - Premium
ASDA Money - Superior
Aston Lark - Elite Cover
Aston Lark - Premier Cover
Avanti Travel Insurance - Classic
Avanti Travel Insurance - Classic Cruise
Avanti Travel Insurance - Deluxe
Avanti Travel Insurance - Deluxe Cruise
Bank of Scotland - Platinum Account Travel Insurance
Benenden Health - Platinum
Bettersafe.com - Gold
Bettersafe.com - Platinum
Blue Insurance - Premier Plus
Cedar Tree Travel Insurance - Gold
Cedar Tree Travel Insurance - Platinum
Clydesdale Bank - Private Current Account Travel Insurance
Columbus Direct - Gold
Co-op Insurance - Platinum
Co-operative Travel Insurance - Super
Coutts & Co. - Coutts Travel Protection
CoverCloud - Gold
CoverCloud - Platinum
Covered2go Travel Insurance - Cruise
Covered2go Travel Insurance - Gold
Covered2go Travel Insurance - Platinum
CoverForYou - Gold
CoverForYou - Platinum
Cover-More - Extra
Coverwise - Gold
Coverwise - Gold Select
Coverwise - Platinum
Coverwise - Platinum Select
DFDS - Black
DFDS - Prime
Direct Travel Insurance (Brokersure) - Premier
Direct Travel Insurance (Brokersure) - Premier Plus
Economycover.com - Premier Plus
Emerald Life - Platinum
ERGO Travel Insurance - Optimum
esure - Classic
esure - Extra
Europe Plus - Platinum
Flexicover (Citybond Holdings) - Diamond
Flight Centre - Diamond
Flight Centre - Gold
Free Spirit - Super Duper
Get Going Travel Insurance - Diamond
Globelink International - Annual Multi-Trip
Go Walkabout Travel Insurance - Gold
Go Walkabout Travel Insurance - Silver
Go2 Travel Insurance - Gold
Goodtogoinsurance.com (Ancile Insurance) - Platinum Covid+
Greatcover.com - Super Plus
Halifax - Ultimate Reward Current Account
Holiday Extras - Gold
Holidaysafe - Platinum
Holidaysafe - Premier Plus
Holidaysafe - Premier Wintersports
HSBC - Premier Account
Insurancewith - Platinum
InsuraTrip.com - Premier
Insure & Escape - First
Insure & Escape - Premium
InsureandGo - Black
InsureandGo - Gold
Insurewithease.com (Ancile Insurance) - Gold
Insurewithease.com (Ancile Insurance) - Platinum
Investec Bank - Voyage - Visa Platinum
Leisure Guard - Premier
Leisure Guard - Premier Plus
Lloyds Bank - Club Lloyds Platinum Account
Lloyds Bank - Platinum Account
LV= - Premier
Millstream Underwriting - Travel Insurance
Multitrip.com - Premier Plus
Nationwide Building Society - FlexPlus Worldwide Family Travel Insurance
NatWest - Reward Black
Navigator - Diamond
Navigator - Gold
Now Travel Insurance - Premier Cover
Oasis Insurance - Gold
Oasis Insurance - Silver
OK To Travel - Premier Extra
OK To Travel - Premier Plus
P J Hayman & Company Limited - Travel Plus Premier
P J Hayman & Company Limited - Travel Plus Premier Plus
Post Office Insurance - Premier
Post Office Insurance - Standard
RAC - Black Cover
RAC - Silver Cover
Royal Bank of Scotland - Reward Black
Saga - Travel Insurance
Sainsbury's Bank - Gold
Sainsbury's Bank - Platinum
Santander - Travel Insurance
Ski Club of Great Britain - Diamond Cover
SkiCover.com - Voyager Plus Black Ski
SkiCover.com - Voyager Plus Prime Ski
Southdowns Insurance Services Limited - Platinum
Southdowns Insurance Services Limited - Platinum Select
starttravel.co.uk - 4 Star
starttravel.co.uk - 5 Star
Staysure - Comprehensive
Switched On Insurance - Premium
Switched On Insurance - Ultimate
Tagdirect - Premier Plus
Tesco Bank - Premier
The Co-operative Bank - Everyday Extra
Thomas Cook - First Class
Thomas Cook - Premier
Virgin Money - Club M Account Travel Insurance
Virgin Money - Gold
Viva Travel Insurance - Gold
Viva Travel Insurance - Platinum
Voyager Insurance Services - Black
Voyager Insurance Services - Prime
Wesleyan - Travel Insurance
Yorkshire Bank - Private Current Account Travel Insurance
Zurich - Extra

Annual Travel Insurance - Four Star

AA - Silver
Able2Travel - Silver
ABTA - Travel Sure Platinum
Admiral - Admiral Platinum (Direct)
AllClear - Platinum
Alpha Travel Insurance - Alpha Zero
Annualtravelinsurance.com - Super
A-Plan Insurance - Economy
A-Plan Insurance - Standard
ASDA Money - Value
Barclays - Travel Pack
Barclays - Travel Plus Pack
Barrhead Travel Services - Premier Plus
Benenden Health - Gold Plus
Blue Insurance - Premier
British Mountaineering Council - Alpine & Ski/High Alt & Remote
British Mountaineering Council - Trek/Rock
Cedar Tree Travel Insurance - Silver
Churchill - Travel Insurance
Columbus Direct - Silver
Co-op Insurance - Gold
Co-op Insurance - Silver
Cover4Travel - Economy
Cover4Travel - Premier
Cover4Travel - Premier Plus
Cover4Travel - Standard
CoverForYou - Silver
Direct Line - Travel Insurance
easyJet - Gold
Economycover.com - Premier
Elect Travel Insurance - Platinum
Emerald Life - Gold
ERGO Travel Insurance - Protect
Europe Plus - Standard
Expand Travel Insurance - Annual Multi-Trip
Explorer Travel Insurance - Platinum
first direct - First Directory Travel Insurance
Fit4Travel - Platinum
Flexicover (Citybond Holdings) - Gold
Flight Centre - Silver
Free Spirit - Super
Geo Private Clients - Travel Insurance
Get Going Travel Insurance - Premier
Getcover.com - Gold
Global Travel Insurance - Global Multi Trip Premier
Go2 Travel Insurance - Silver
Goodtogoinsurance.com (Ancile Insurance) - Platinum
Greatcover.com - Super
Hays Travel - Gold Cover
Hays Travel - Silver Cover
Holiday Extras - Silver
Holidaysafe - Premier
Holidaysafe - Standard Wintersports
HSBC - Select and Cover
Hughes Insurance - Premier
Insurancewith - Sapphire
Insurancewith - Wintersports Multi Trip
InsuraTrip.com - Super
Insure & Escape - Economy
InsureandGo - Silver
insurefor.com - Ultimate
InsureMore Travel Insurance - Deluxe
InsureMore Travel Insurance - Standard
It's So Easy - Enhanced
Journeyman Services Limited - Travel Insurance
JS Travel Insurance - Platinum
Lloyd & Whyte - Economy
Lloyd & Whyte - Premier
Lloyd & Whyte - Premier Plus
Lloyd & Whyte - Standard
loveit coverit - Premium
Makesure Travel Insurance - Essential Travel Insurance
Makesure Travel Insurance - Travel Insurance
Multitrip.com - Premier
NatWest - Reward Platinum
NatWest - Reward Silver
OK To Travel - Premier
OULdirect.com - Gold Annual Cover
Penguin Insurance - Economy
Penguin Insurance - Premier
Penguin Insurance - Premier Plus
Penguin Insurance - Standard
Planet Earth Travel Insurance - Annual Multi Trip
PremierCare - Economy
PremierCare - Premier
PremierCare - Premier Plus
PremierCare - Standard
Royal Bank of Scotland - Reward Platinum
Royal Bank of Scotland - Reward Silver
Sainsbury's Bank - Silver
Ski Club of Great Britain - Gold Cover
Southdowns Insurance Services Limited - Gold
Southdowns Insurance Services Limited - Gold Select
SportsCover Direct - Gold
starttravel.co.uk - 3 Star
Switched On Insurance - Standard
Tesco Bank - Standard
The True Traveller - Traveller Plus
TopNotchCover.com - Gold
Travel Insured - Economy
Travel Insured - Premier
Travel Insured - Premier Plus
Travel Insured - Standard
TravelInsurance4Medical.co.uk - Standard
TravelInsurance4Medical.co.uk - Superior
TravelTime Travel Insurance - Premier Plus
Virgin Money - Red
Virgin Money - Silver
Worldwide Travel Insurance Services - Elite
Worldwide Travel Insurance Services - Super
Zurich - Standard

Single Trip Travel Insurance - Five Star

AA - Gold
AA - Gold (AA Members)
AA - Silver
AA - Silver (AA Members)
Able2Travel - Gold
Able2Travel - Platinum
AllClear - Platinum
Allianz Assistance - Gold
AllSAFE (Brokersure) - Premier
AllSAFE (Brokersure) - Premier Plus
Annualtravelinsurance.com - Super Plus
A-Plan Insurance - Premier
A-Plan Insurance - Premier Plus
A-Plan Insurance - Standard
ASDA Money - Premium
ASDA Money - Superior
Aston Lark - Elite Cover
Aston Lark - Premier Cover
Avanti Travel Insurance - Classic
Avanti Travel Insurance - Classic Cruise
Avanti Travel Insurance - Deluxe
Avanti Travel Insurance - Deluxe Cruise
Barrhead Travel Services - Premier Plus
Benenden Health - Platinum
Bettersafe.com - Gold
Bettersafe.com - Platinum
Blue Insurance - Premier Plus
Cedar Tree Travel Insurance - Gold
Cedar Tree Travel Insurance - Platinum
Columbus Direct - Gold
Co-op Insurance - Gold
Co-op Insurance - Platinum
Co-operative Travel Insurance - Super
CoverCloud - Gold
CoverCloud - Platinum
Covered2go Travel Insurance - Cruise
Covered2go Travel Insurance - Gold
Covered2go Travel Insurance - Platinum
CoverForYou - Gold
CoverForYou - Platinum
Cover-More - Extra
Coverwise - Gold
Coverwise - Gold Select
Coverwise - Platinum
Coverwise - Platinum Select
DFDS - Black
DFDS - Prime
Direct Travel Insurance (Brokersure) - Premier
Direct Travel Insurance (Brokersure) - Premier Plus
easyJet - Gold
Economycover.com - Premier Plus
Emerald Life - Platinum
ERGO Travel Insurance - Optimum
Esure - Classic
Esure - Extra
Europe Plus - Platinum
Flexicover (Citybond Holdings) - Diamond
Flight Centre - Diamond
Flight Centre - Gold
Free Spirit - Super Duper
Get Going Travel Insurance - Diamond
Globelink International - Winter Sports
Go Walkabout Travel Insurance - First Class
Go Walkabout Travel Insurance - Gold
Go Walkabout Travel Insurance - Silver
Go Walkabout Travel Insurance - Walkabout Plus
Go Walkabout Travel Insurance - Working Holiday
Go2 Travel Insurance - Gold
Go2 Travel Insurance - Silver
Goodtogoinsurance.com (Ancile Insurance) - Platinum Covid+
Greatcover.com - Super Plus
Hays Travel - Gold Cover
Holiday Extras - Gold
Holidaysafe - Platinum
Holidaysafe - Premier
Holidaysafe - Premier Plus
Holidaysafe - Premier Wintersports
Insurancewith - Platinum
InsuraTrip.com - Premier
Insure & Escape - First
Insure & Escape - Premium
InsureandGo - Black
InsureandGo - Gold
InsureMore Travel Insurance - Deluxe
Insurewithease.com (Ancile Insurance) - Gold
Insurewithease.com (Ancile Insurance) - Platinum
JS Travel Insurance - Platinum
Leisure Guard - Premier
Leisure Guard - Premier Plus
LV= - Premier
Millstream Underwriting - Travel Insurance
Multitrip.com - Premier Plus
Navigator - Diamond
Navigator - Gold
Now Travel Insurance - Premier Cover
Oasis Insurance - Gold
Oasis Insurance - Silver
OK To Travel - Premier
OK To Travel - Premier Extra
OK To Travel - Premier Plus
P J Hayman & Company Limited - Travel Plus Premier
P J Hayman & Company Limited - Travel Plus Premier Plus
Post Office Insurance - Premier
Post Office Insurance - Standard
RAC - Black Cover
RAC - Silver Cover
Saga - Travel Insurance
Sainsbury's Bank - Gold
Sainsbury's Bank - Platinum
Santander - Travel Insurance
Ski Club of Great Britain - Diamond Cover
SkiCover.com - Voyager Plus Black Ski
SkiCover.com - Voyager Plus Prime Ski
Southdowns Insurance Services Limited - Platinum
Southdowns Insurance Services Limited - Platinum Select
starttravel.co.uk - 4 Star
starttravel.co.uk - 5 Star
Staysure - Comprehensive
Switched On Insurance - Premium
Switched On Insurance - Ultimate
Tagdirect - Premier Plus
Tesco Bank - Premier
Thomas Cook - First Class
Thomas Cook - Premier
TravelInsurance4Medical.co.uk - Superior
Virgin Money - Gold
Viva Travel Insurance - Gold
Viva Travel Insurance - Platinum
Voyager Insurance Services - Black
Voyager Insurance Services - Prime
Wesleyan - Single Trip
Zurich - Extra

Single Trip Travel Insurance - Four Star

Able2Travel - Silver
ABTA - Travel Sure Platinum
Admiral - Admiral Platinum (Direct)
AllClear - Gold Plus
Alpha Travel Insurance - Alpha 50
Alpha Travel Insurance - Alpha Zero
Annualtravelinsurance.com - Super
A-Plan Insurance - Economy
ASDA Money - Value
Aviva - Single Trip
Barrhead Travel Services - Premier
Benenden Health - Gold Plus
Bettersafe.com - Silver
Blue Insurance - Premier
British Mountaineering Council - Alpine & Ski/High Alt & Remote
British Mountaineering Council - Travel
British Mountaineering Council - Trek/Rock
Cedar Tree Travel Insurance - Silver
Churchill - Travel Insurance
Columbus Direct - Silver
Co-op Insurance - Silver
Cover4Travel - Economy
Cover4Travel - Premier
Cover4Travel - Premier Plus
Cover4Travel - Standard
CoverForYou - Silver
Direct Line - Travel Insurance
Direct Travel Insurance (Brokersure) - Standard
easyJet - Silver
Economycover.com - Premier
Elect Travel Insurance - Platinum
Emerald Life - Gold
ERGO Travel Insurance - Protect
esure - Essential
Europe Plus - Standard
Expand Travel Insurance - Single Trip
Explorer Travel Insurance - Gold Plus
Explorer Travel Insurance - Platinum
Fit4Travel - Platinum
Flexicover (Citybond Holdings) - Gold
Flight Centre - Silver
Free Spirit - Super
Get Going Travel Insurance - Premier
Getcover.com - Gold
Global Travel Insurance - Single Trip Premier
Globelink International - Comprehensive
Go Walkabout Travel Insurance - Bronze
Go Walkabout Travel Insurance - Economy 500
Goodtogoinsurance.com (Ancile Insurance) - Platinum
Greatcover.com - Super
Hays Travel - Silver Cover
Holiday Extras - Silver
Holidaysafe - Standard Wintersports
Hughes Insurance - Premier
Insurancewith - Sapphire
Insurancewith - Wintersports Single Trip
InsuraTrip.com - Super
Insure & Escape - Economy
InsureandGo - Silver
insurefor.com - Ultimate
InsureMore Travel Insurance - Standard
It's So Easy - Enhanced
Journeyman Services Limited - Travel Insurance
Lloyd & Whyte - Economy
Lloyd & Whyte - Premier
Lloyd & Whyte - Premier Plus
Lloyd & Whyte - Standard
loveholidays - Premier Travel Insurance
loveit coverit - Premium
M&S Bank - Travel Insurance
Makesure Travel Insurance - Essential Travel Insurance
Makesure Travel Insurance - Travel Insurance
Multitrip.com - Premier
OK To Travel - Standard
Penguin Insurance - Economy
Penguin Insurance - Premier
Penguin Insurance - Premier Plus
Penguin Insurance - Standard
Planet Earth Travel Insurance - Single Trip
PremierCare - Economy
PremierCare - Premier
PremierCare - Premier Plus
PremierCare - Standard
PuffinInsurance.com - Platinum
Sainsbury's Bank - Silver
Ski Club of Great Britain - Gold Cover
Southdowns Insurance Services Limited - Gold
Southdowns Insurance Services Limited - Gold Select
SportsCover Direct - Gold
starttravel.co.uk - 3 Star
Switched On Insurance - Standard
Tesco Bank - Standard
The True Traveller - Traveller Plus
TopNotchCover.com - Gold
TopNotchCover.com - Silver
Travel Insured - Economy
Travel Insured - Premier
Travel Insured - Premier Plus
Travel Insured - Standard
TravelInsurance4Medical.co.uk - Standard
TravelTime Travel Insurance - PremierPlus
TUI - Single Trip
Virgin Money - Red
Virgin Money - Silver
Worldwide Travel Insurance Services - Elite
Worldwide Travel Insurance Services - Super
Zurich - Standard

A guide to travel insurance - travel insurance explained

What is travel insurance?

Travel insurance gives you protection against specific financial losses, health risks or incidents when travelling abroad. Travel insurance cover can be for a single trip, annual multi-trip covering multiple holidays and destinations as long as you check these countries are covered before you travel, and backpacking cover for extended trips to multiple destinations.

How does travel insurance work?

Travel insurance will cover the cost of any losses or costs you have incurred as a result of an accident, cancellation or delay. If you are unfortunate enough to have had a problem while on holiday, you can then file a claim to cover the costs or losses from this with your travel insurance provider. When you file a claim, you are submitting evidence to your insurer about what happened and the losses you incurred as a result. The insurer will then review your claim to check its validity and to check it meets the policy’s terms and conditions. They will then make a decision about how much to reimburse you for.

What does travel insurance cover include?

  • Lost or stolen possessions – items such as your luggage, cash to a certain limit and important documents. Specific items, such as musical instruments, sports equipment, jewellery and other expensive items, may require separate cover. If it’s valuable to you then check with your insurer that it is covered.
  • Disruptions and cancellations – if your trip is cut short by an unexpected event, a flight is delayed, or a trip cancelled then you should be able to claim for the costs of these disruptions through your insurance.
  • Medical expenses – it’s important to declare any pre-existing medical conditions before you buy your travel insurance. Some insurers will not cover certain medical conditions, including Coronavirus, others will, but only if they are notified as part of buying the policy. Also, declare any adventurous sports or high-risk activities as again your insurer may exclude incidents that result from these from your cover.
  • Legal fees – your insurer may cover the cost of any legal fees incurred when you are involved in an incident that isn’t your fault.

Why buy travel insurance?

Planning a holiday is an exciting time and finding a good travel insurance policy is essential to making sure your holiday goes as smoothly as possible. Unexpected events, such as bad weather disrupting your flight or even cancelling it, losing your luggage or theft of your property, could all devastate your trip away. You should buy travel insurance as soon as you have booked your holiday to make sure you get the benefit if you need to cancel unexpectedly.

Travel insurance with COVID-19 cover

COVID-19 cover has become an essential component of any travel insurance policy since the pandemic hit in 2020, though it’s important to bear in mind that you won’t be covered under every coronavirus-related scenario.

Typically speaking, most travel insurance policies will now offer cancellation cover if you or a member of your travel party tests positive for COVID-19 in the two weeks before the trip, and if you contract the virus while on holiday you’ll usually be covered for the associated medical costs as well, together with any additional accommodation and transport expenses.

However, you almost certainly won’t be covered if you’re travelling to any country on the red list, and neither will you be covered if Government restrictions (either at home or in your destination) prevent travel. You also won’t be covered if you cancel because you don’t feel safe going, and some policies won’t uphold COVID-19 claims if you’ve chosen to decline the recommended vaccinations.

It’s important to note that the rules regarding travel and coronavirus – and any relevant travel insurance policy – can change quickly, so it’s essential to stay up to date and be prepared for the fact that you’re taking on additional risk by travelling in the current climate. As well as making sure you’ve got insurance that’s as comprehensive as possible, always try to book flexibly so if circumstances change you don’t run the risk of losing out financially, and always carefully check the policy document, as specific terms will always differ between providers and products.

How to buy the right travel insurance

Six ways to get the right travel insurance for you:

  1. Finalise the countries you are visiting so you know which geographical regions you need cover for.
  2. Check that the activities you want to do are covered and to the level you need.
  3. Consider group insurance if you are travelling as a family.
  4. If you are travelling multiple times throughout the year, a 12-month policy could save you money.
  5. Make sure you are happy with the excess and levels of cover.
  6. Compare prices to get the best value for the cover you need.

Can I get travel insurance for free?

Travel insurance is offered as part of a current account by several different financial providers. For example, at the moment there are 20 accounts available that come with Worldwide or European travel insurance cover. However, some of these accounts will charge a fee.

In addition, you will also need to check that the insurance offered meets your needs or the potential risks of the country you are travelling to. For example, some insurers may not insure older people or those with pre-existing medical conditions. It is also less likely that bank account insurance offerings will cover losses as a result of cancellation or delay due to weather conditions.

Visit our charts to compare bank accounts with travel insurance.

Travel insurance for over-70s and 80s?

Some travel insurers set a maximum age of 65 for their policies, so travellers near or over this age will need to check their policy adequately covers them. By taking a policy specifically for those over 70, you won’t have this worry and you could benefit from additional cover such as:

  • Pre-existing medical conditions
  • Special medical equipment needed for and during travelling
  • Holiday cancellation due to ill-health
  • Lost medication
  • Cover for your carer or travel companion

Should I buy family travel insurance?

Buying travel insurance is essential to protect your holiday and, if you are travelling as a family, it can be expensive to buy multiple individual policies. Family travel insurance can cover your whole family with only one policy and one cost.

It usually covers families who reside at the same address, including two adults and up to five children (aged up to 18).

As with any travel insurance policy, you should check the cover that it comes with to make sure it meets your needs.

What travel insurance do I need for a cruise?

If you are planning a cruise for your next holiday, then specific cruise insurance is worth considering. Unlike standard travel insurance, this covers the specific activities and risks that come with a cruise. For example, travelling to multiple countries is automatically covered, but you must check your destinations are not excluded by your insurer. The length of your cruise may also exceed the maximum number of days allowed by most travel insurers.

Travel insurance for golf clubs

Golfing equipment is generally as heavy as it is expensive, so making sure you are covered for this when going on a golfing holiday is important. You can either check if your standard travel insurance policy will cover your golfing equipment or buy special golfing insurance. This specific type of insurance will cover you for the loss, theft or damage to your golf clubs and associated equipment. It can also cover green fees if you need to cancel your trip.

Travelinsurance and dementia

It’s important to let your existing travel insurer know about your dementia diagnosis. Having dementia should not prevent you from getting insurance but you may find that you have to look at more products to find one that will cover you. Some insurers may either choose not to cover you at all, some may charge you more money, whereas others may exclude costs arising from your condition from your policy.

If your insurer is open to covering you, it is likely that you will be asked a series of medical questions. This will help the insurer decide on whether they can provide you with cover, which situations they can cover you for and the cost of this cover.

Hire car insurance

If you want to see more of your holiday destination than just the airport and the resort then hiring a car is a great idea. However, hire cars can often cost you more than just the headline rate that you book them at - even if you manage to get a great deal through one of the many hire car comparison sites out there.

A major example of one of these ‘stealth’ expenses tends to be insurance, so we’ve put together our top three useful insurance tips that can save you time, money and frustration at the hire car rental desk:

1. The real cost of basic cover

A basic level of insurance is often included in the hire car rental costs. However, this won’t stop the hire car company trying to sell you a whole heap of additional protections on top of this. This basic level of insurance cover will provide you with the minimum level of insurance protection for the country you are planning to travel in – however, remember that this may be just indemnity against third parties should you have an accident or injure someone.

Any cover for damage to the hire car itself will be subject to an excess and often the standard level of insurance does not include the cost of repairs to things such as tyres, wheels, glass or wing mirrors. That’s why it’s a good idea to carefully check what you are covered for.

Tip: Always take some time to make sure you understand the level of insurance you have with the basic hire. Even if the insurance with the hire car covers you for damage to the vehicle it is often the case that it carries a hefty excess. An excess means that you will be responsible for the cost of repairs up to a certain level.

For example, let’s say your car hire includes cover for damage to the vehicle (often called Collision Damage Waiver or CDW) with an excess of £1,000.

So you have a collision with another car where the total repair bill for the hire car comes to £2,500. You must pay the first £1,000 of this bill with the remaining £1,500 paid by the hire car insurance. Just as with comprehensive cover here in the UK this excess must be paid by you regardless of whether the accident was your fault or not.

2. Excess waiver insurance

Hire car companies will often attempt to sell you Excess Waiver Insurance (EXI) as a way of avoiding the basic CDW excess. This is - if you like - insurance for your insurance!

At about £25 per day, the cost of buying this at the rental desk can be far more expensive than arranging your own cover beforehand. Some providers will not mention you taking out this cover until you arrive to pick up your hire car, often catching people off guard and flustered.

Tip: Insurance excess waivers are not compulsory. However, if you decide to opt out of this additional insurance then don’t be surprised if the hire car company insists on you leaving a substantial deposit – usually taken from your credit card and held onto by the rental firm until you return the car in an undamaged state.

Instead of paying hefty additional fees when you pick up the hire car take out EWI before you travel. This is available from an array of UK providers and will cover you for the excess for a fraction of the cost of cover from the rental firm. However, even with EWI, if you have an accident, you will still have to pay the excess and then claim this back from your insurer. In addition, if you opt for this ‘standalone’ excess waiver insurance then don’t be surprised if the hire car firm still insists on taking a hefty deposit’ as well. If you use hire cars frequently then you can buy policies that will cover you for rental car excess fees for a whole year.

Compare car hire excess insurance

Purchasing your car hire excess insurance in advance can save you up to 65%.Compare car hire excess insurance with the help of Excessbuddy.com.

3.More cover than you need

One of the many extra insurances that you’ll be offered at the rental desk is personal injury cover. As the name suggests this covers the driver and any passengers in the vehicle for personal injuries if you are involved in an accident.

People can worry about medical costs when travelling outside the UK – hence for many this can seem like a good idea – and it is…except that if you’ve taken out travel insurance for your holiday or trip abroad then personal injury is often already covered.

Tip: Check if your travel insurance policy covers you and your family for personal injury and medical costs while abroad. If it does – and most good travel insurance policies will – then save your money and decline this extra insurance.

Compare other insurance policies

What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk (34)

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FAQs

What is the Best Travel Insurance 2023? | moneyfactscompare.co.uk? ›

If you're flying, make sure you get insurance for trip interruption, lost luggage and document replacement. If you're driving, make sure you have driver and vehicle coverage in case you have an accident.

Who is the best company to get travel insurance? ›

Compare the Best Travel Insurance Companies
CompanyStarting PriceCoverage Limit
Travelex Best Overall$24$25,000
Allianz Travel Insurance Runner-Up, Best Overall$138Starting at $3,000
InsureMyTrip Best Value$25 to $100Varies
World Nomads Most Comprehensive Coverage$100 to $200$2,500 to $10,000
3 more rows

How to get the most out of travel insurance? ›

Here are my top tips for finding the best travel insurance policy for you.
  1. Cheaper is not always better. Some travel insurance policies seem too cheap to be true! ...
  2. Consider a multi-trip policy. ...
  3. Look for multiple covers. ...
  4. Check the limits. ...
  5. Watch for exclusions. ...
  6. Check for age limits. ...
  7. Choose a good provider.

What insurance to get when travelling? ›

If you're flying, make sure you get insurance for trip interruption, lost luggage and document replacement. If you're driving, make sure you have driver and vehicle coverage in case you have an accident.

What is the average cost of travel medical insurance? ›

The short answer is, the cost of travel insurance varies based on multiple factors, but it generally ranges from $35 to $200 per trip. The provider you choose, your coverage level, the total number of travelers and your destination all influence your policy's price.

Does travel insurance get more expensive closer to the trip? ›

Unlike other aspects of your travel experience like airfares or hotel-room rates, the price of travel insurance doesn't increase the closer you get to your travel date. There's no financial penalty if you wait to buy travel insurance (except for those bonus coverages, of course).

Is it cheaper to buy travel insurance separately? ›

Purchasing separate policies can be less expensive if individual travelers on the policy are looking for specific optional benefits, such as Cancel For Any Reason, which might make their policy more expensive.

What is not covered by travel insurance? ›

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

Is it better to buy travel insurance early or late? ›

In general, you can buy coverage any time before the date of your trip. That said, it's always best to buy coverage as soon as you make your reservations. The sooner you buy travel insurance, the sooner you'll be protected and the more benefits you may be eligible to receive.

How much is the most expensive travel insurance? ›

The most expensive international travel insurance claim in 2022 is a whopping $135,375, paid to a 65-year-old traveller who had a heart condition and fluid in the lungs while on holiday in Greece and was hospitalised for around three weeks.

What are the 3 things travel insurance covers? ›

What does travel insurance cover?
  • Injury or sickness. ...
  • Lost luggage. ...
  • Last-minute cancellations. ...
  • Coverage beyond your credit card. ...
  • Cancel for any reason insurance. ...
  • Comprehensive travel insurance. ...
  • Changing your travel insurance coverage.

Should I ever get travel insurance? ›

If you prepaid for your trip and cannot cancel without penalty, travel insurance is probably a good idea. If your trip is canceled or interrupted for a covered reason, this protection will cover your reservations.

Can you buy just medical travel insurance? ›

Travel medical insurance is offered either as part of comprehensive travel insurance plans or can be purchased as a stand alone plan. Travelers refer to these most commonly as travel health insurance plans, while the providers refer to them as travel medical.

Does Medicare cover travel abroad? ›

In most situations, Medicare won't pay for health care or supplies you get outside the U.S. The term “outside the U.S.” means anywhere other than the 50 states of the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

What countries accept US Medicare? ›

What Countries Accept US Medicare? You can only use Medicare in the USA and its territories. This includes the 50 US States as well as its territories: Puerto Rico, the Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

What causes trip cancellation on travel insurance? ›

The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others.

Does travel insurance cover trip changes? ›

Yes, some travel insurance policies will cover an airline imposed reissue fee in the event you must reschedule your trip for a covered reason. Under the Trip Cancellation benefit of travel insurance, some policies will reimburse you for the reissue fee charge by the airline.

Can you cancel travel insurance and get a refund? ›

Yes, travel insurance can be canceled at any time and for any reason. However in order to receive a refund, the cancellation must occur within a policy's Money Back Guarantee period. To cancel a policy, a traveler can contact their provider directly.

What percent of trip cost should travel insurance be? ›

The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 trip, the average travel insurance cost is $228, and the range of rates is from $154 for a basic policy up to $437 for a policy with generous coverage .

Is trip insurance the same as travel insurance? ›

Travel medical policies include benefits for medical expenses such as doctor or hospital visits, medical evacuation and repatriation. Trip insurance can cover the financial investment of an international or domestic trip.

Do airlines have flight insurance? ›

You can purchase flight insurance and other travel assistance from two primary sources: Airline companies: When you book your flight, your airline will usually offer you the option to insure your flight for an additional cost.

What is considered pre existing condition for travel insurance? ›

What is considered a pre-existing condition? A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy.

Does travel insurance cover 100%? ›

Coverage amount: Most policies require travelers to insure 100% of their pre-paid, nonrefundable trip cost in order to be eligible for cancel for any reason.

What are the main 5 categories of travel insurance coverage? ›

Here's the very short answer: Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance. These are the 5 basic types of coverage provided with vacation insurance. This is the #1 concern with most travelers.

What is the oldest age for travel insurance? ›

Travel insurance for seniors can typically insure those up to 99 years old and many policies cover pre-existing medical conditions provided they're disclosed (though this may affect the premium). Check your Product Disclosure Statement (PDS) for age limits and information regarding pre-existing medical conditions.

What date should you put on travel insurance? ›

The policy start date needs to be that of your actual trip, but the cover starts right away. The same usually applies to specialist types of travel insurance like cruise cover and winter sports cover for activities like skiing and snowboarding. Cover usually starts on these policies the moment you buy them, too.

How long should my travel insurance be? ›

Usually, such policies remain valid for one year. However, they can be renewed for a further 36 months if you extend your trip. Note that the renewal of the policy is to be done before the initial date of expiry.

What is COVID insurance for travel? ›

The Medical Coverage for Covid-19 benefit can reimburse you for the medical costs incurred if you contract Covid-19 and need medical care during your trip. Travel medical insurance is included within most policies under the Emergency Medical benefit.

Why is USA travel insurance expensive? ›

Why is travel insurance to USA so expensive? Travel insurance to USA is so expensive because medical care costs are much higher than average for the rest of the world. Since medical claims account for 31% of travel insurance claims, the medical aspect of cover is nothing to be sneezed at.

Is Allianz part of AAA? ›

AAA Travel Insurance is provided by Allianz Global Assistance. AAA offers several different travel policy types through its relationship with Allianz. Allianz Global Assistance is part of the Allianz Group and is one of the world's largest insurers.

Does travel insurance cover cancellation fees? ›

Does travel insurance cover cancellation fees? If you must cancel your trip for a covered reason, you may be reimbursed for your non-refundable travel costs up to your policy limit. This includes things like airfare, hotels, and tour operators.

Does travel insurance cover doctor visits? ›

While traveling abroad, it is common to get a minor illness such as a cold, the flu, a fever, diarrhea, stomach upset, etc. Such illnesses usually require you to visit a doctor's office. All U.S.-based travel medical insurance plans provide coverage for outpatient services such as doctor's office visits.

Does travel insurance cover cancelled flights due to weather? ›

Yes — severe weather can be a covered reason for canceling your trip. Specifically, travel insurance can cover your trip cancellation if your travel carrier can't get you to your original destination for at least 24 consecutive hours because of a natural disaster, severe weather or another covered reason.

What is the difference between basic and comprehensive travel insurance? ›

Basic travel insurance policies are often cheaper than comprehensive policies, but may only cover you in a couple of ways. For example, a basic insurance policy might provide some medical cover and personal liability insurance, but may not cover you for things like lost luggage or cancellation fees.

What are the three 3 main types of insurance? ›

  • Health insurance. It allows the insured to cover up medical expenses while visiting a doctor and other major costs usually involved during surgeries. ...
  • Life insurance. ...
  • Rental or property insurance.
Jan 28, 2014

What does the flight insurance cover? ›

In general, this type of policy covers flight delay, trip cancellation or trip interruption, and lost, damaged, or stolen luggage up to the plan limit. It also covers you if you're not able to fly due to a documented medical reason on the date of your trip.

What is total trip cost? ›

Trip cost includes the total non-refundable and pre-paid trip expenses that are purchased for a vacation. Examples of trip cost include airline tickets, lodging deposits, excursion deposits, etc.

What happens if a tourist gets sick in USA? ›

Contact the nearest U.S. Embassy or Consulate for a list of local healthcare providers and medical facilities. If your illness is serious, consular officers can help you find medical assistance, and, if you desire, inform your family and/or friends.

Can I buy travel insurance at the airport? ›

Can I buy travel insurance at the airport? Yes – you can buy Budget Direct travel insurance right up until the moment you board your flight.

Can you get travel insurance without a travel agent? ›

You can buy travel insurance from an insurance company, a broker, a travel agent or a tour operator.

How much is medical travel insurance? ›

On average, an essential travel medical insurance plan can cost anywhere from $1 to $5 per day. The cost can go up to several hundred dollars per month for longer trips or more comprehensive coverage. It's essential to compare different insurance options and choose one that fits your budget and travel needs.

Should you carry your Medicare card when you travel? ›

When Should You Carry Your Medicare Card? It's a good idea to carry your Medicare card with you whenever you're away from home. You will need to show it to doctors, hospital staff and other healthcare providers whenever you are seeking care.

Should I take my Medicare card to Europe? ›

Should I take my Medicare card to Europe? There is no reason to bring your Medicare card to Europe, as doctors in European countries will not accept your Medicare coverage as insurance.

Which country has the best Medicare system? ›

South Korea. South Korea tops the list of best healthcare systems in the world. It's been praised for being modern and efficient, with quality, well-equipped medical facilities and highly trained medical professionals. Generally, treatment in South Korea is affordable and readily available.

What happens if you have a medical emergency abroad? ›

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

Which country has the best Medicare? ›

Best Healthcare in the World 2023
CountryLPI 2020 RankingLPI 2019 Ranking
Denmark12
Norway21
Switzerland33
Sweden44
118 more rows

Is there a difference between travel insurance and travel health insurance? ›

Travel insurance is designed for holidaymakers to cover cancellations, personal belongings and emergency medical treatment, whereas international health insurance is designed to cover inpatient treatment check-ups and continuing treatment of chronic conditions abroad.

Does Travelers insurance have a good reputation? ›

Although Travelers boasts few customer complaints, its customer satisfaction ratings are below average for both auto insurance shopping and claims, according to 2022 J.D. Power satisfaction studies.

What does travel insurance not cover? ›

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

Do you really need travel health insurance? ›

If you prepaid for your trip and cannot cancel without penalty, travel insurance is probably a good idea. If your trip is canceled or interrupted for a covered reason, this protection will cover your reservations.

Does it matter when I buy travel insurance? ›

Though you can buy travel insurance before you book your flight, it's actually better to wait until after you reserve your seat on the plane. This way, you'll know your ticket price and can make sure your travel insurance will cover the full cost of the ticket, in case you need to file a claim later.

Who is Travelers Insurance competition? ›

Travelers competitors include Liberty Mutual Insurance, GEICO, Allstate and State Farm Insurance.

Which company owns Travelers Insurance? ›

For instance, customers can buy Travelers' homeowners and condo insurance policies from the Geico Insurance Agency. Travelers Insurance is owned by its shareholders, as it is publicly traded, and it does not have a parent company.

Who took over Travelers Insurance? ›

In April 1998, the Travelers Group merged with Citicorp to form Citigroup.

Does travel insurance cover if I cancel? ›

Travel insurance reimburses the cost of nonrefundable travel plans if you need to cancel your flight for a covered reason. To receive reimbursement, you must file a claim and submit supporting documentation that validates your eligibility to receive reimbursement.

What is considered pre-existing condition for travel insurance? ›

What is considered a pre-existing condition? A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy.

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