Travel With Confidence,
Covered for Anything
Comprehensive travel insurance covering medical emergencies, cancellations, delays, and lost baggage. Don’t travel without it.
Travel Insurance Comparison
We’re working on a travel insurance comparison tool to help you find the right cover for every type of trip — whether you need single-trip, annual multi-trip, backpacker or specialist adventure cover. Compare policies side by side and travel with complete peace of mind.
Travelling soon? Read our travel guides for tips on what to look for in travel insurance — and why it matters before every trip.
Emergency medical treatment, repatriation, and hospital expenses — fully covered.
Reclaim costs if you need to cancel due to illness, bereavement, or unforeseen events.
Cover for lost, stolen, or delayed baggage. Replacement costs reimbursed quickly.
Round-the-clock emergency assistance helpline, wherever you are in the world.
Travel Insurance FAQs
Do I really need travel insurance?
Yes — travel insurance is strongly advisable for any trip abroad. Without it, a medical emergency overseas could result in hospital bills of tens of thousands of pounds. Travel insurance also protects you against trip cancellation, lost or stolen luggage, flight delays, and other unexpected events that could otherwise leave you significantly out of pocket.
What does travel insurance cover?
Standard travel insurance typically covers emergency medical treatment and repatriation, trip cancellation or curtailment, lost or stolen baggage, flight delays, personal liability, and legal expenses. Policy levels vary — always check the policy wording to confirm what is and is not included, particularly for pre-existing medical conditions and specific activities.
What is the difference between single-trip and annual multi-trip insurance?
Single-trip travel insurance covers one specific trip and is typically the most cost-effective option if you only travel once or twice a year. Annual multi-trip insurance covers all trips within a 12-month period and is usually better value for frequent travellers. Most annual policies include a maximum trip duration per journey, typically 31 or 45 days.
Does travel insurance cover pre-existing medical conditions?
Many standard travel insurance policies exclude or limit cover for pre-existing medical conditions unless you declare them and pay an additional premium. It is important to declare all relevant conditions honestly at the time of purchase. Specialist insurers exist for travellers with complex medical histories — they may charge more, but failing to declare a condition can invalidate your entire policy.
Is travel insurance more expensive for older travellers?
Yes, premiums generally increase with age as insurers assess higher risk of medical claims. However, many insurers offer policies specifically designed for older travellers and those with pre-existing conditions. Comparing policies from multiple providers is important to find the best value cover. Some insurers set an upper age limit — typically 70–80 — for standard policies.
Do I need travel insurance if I have a GHIC or EHIC card?
A Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) gives you access to state-provided healthcare in EU countries at the same cost as local residents, but it is not a replacement for travel insurance. It does not cover medical repatriation, private treatment, lost luggage, trip cancellation or any of the other protections travel insurance provides. You should always take out a full travel insurance policy in addition to your GHIC.