Best Travel Insurance Providers 2024 (2024)

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  Just Travel Cover

  

  

  

  Save 12% Today with Code MONEY12

  Just Travel Cover is the UK’s Best Travel Insurance Provider as of the 2023 Insurance Choice Awards.

  With medical treatment abroad rising and claims at an all-time high, Travel Insurance has never been so important.
  At Just Travel Cover you can compare prices and policies from multiple insurers in one place, and you can save 12% with code MONEY12.

  • Compare prices from multiple insurers
  • No age limit
  • Cover for hundreds of pre-existing medical conditions
  • Exclusive “Smart Luggage” option with real-time payouts up to £550 for delayed/lost luggage.
  • Protect your holiday with cancellation cover up to £12,500pp
  • Emergency medical expenses cover up to £15,000,000

  Go To Provider's Site

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  Post Office

  

  

  Whether you are looking to holiday within the UK or abroad make sure that you protect your upcoming travel plans as soon as you are booked with Post Office Travel Insurance.

  • No upper age limit on single trip policies and all medical conditions are considered
  • Upgrade your cover with ease
  • Outpatient holiday health support 24/7 with medical Assistance Plus

  Go To Provider's Site

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  Saga

  

  

  • Single trip cancellation up to £15,000, depending on your cover level
  • Saga Travel Insurance is for people over 50 with no upper age limit
  • Annual trip cancellation up to £20,000, depending on your cover level
  • Best choice for over-50s. Cover for most pre-existing medical conditions
  • Emergency medical cover up to £20 million, depending on your cover level

  Go To Provider's Site

• 

  Oasis Travel

  

  

  

  Protect your holiday with Oasis Travel Insurance – offering cover for Single Trip, Annual Multi Trip & Backpackers! Simple Insurance, there for you in your time of need! Get a quote now and receive 10% off by entering the promotional code “MONEYFACTS10”!

  We pride ourselves on our excellent customer service and cover, which is reflected in our excellent Moneyfacts 5-Star rating and why we’ve paid out over £2m in claims to date.

  • Emergency Medical Cover up to £20m
  • Cancellation Cover up to £6,000
  • Baggage Cover up to £3,000
  • Cover for medical conditions
  • No upper age limit*
  • Optional Extras include Winter Sports, Cruise, Gadget, Sports & Activities, Covid-19 & Business Travel
  • MyOasis Customer Self-Service portal available for all customers.

  *Applies to Single Trip policies only

  Go To Provider's Site

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  Holiday Extras Insurance

  

  

  Holiday Extras Travel Insurance

  • 5% Off Single and Annual Policies with Holiday Extras
  • Purchase any annual policy and you could win £10k worth of holidays
  • Winner of the Globe Travel Awards for 15 years running
  • All medical conditions considered
  • Specialist cruise and winter sports cover

  Go To Provider's Site

• 

  LV=

  

  

  Get a 10% discount when you buy our travel insurance online
  Choose from either Essential or our Moneyfacts 5 Star rated Premier policy, which offers:

  • Up to £5,000 cancellation cover or £10,000 with our Premier Policy
  • All pre-existing medical conditions considered
  • Up to £10million emergency medical cover
  • 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.

  Go To Provider's Site

• 

  Covered2Go

  

  

  

  Exclusive Offer: Save 10%* Today When You Use Code MONEY10.

  Enjoy a fantastic 10% discount on our wide-ranging travel insurance plans with promo code MONEY10.

  Why Choose Covered2Go?

  • Safeguard Your Holiday with Cancellation Cover of up to £10,000 per person.
  • Coverage for Emergency Medical Expenses and Repatriation up to £10,000,000 per person.
  • 24/7 Emergency Medical Assistance.
  • All Pre-existing Medical Conditions are Considered.
  • No Age Limit on Single Trip Policies.
  • Cruise and Winter Sports Options Available.

  Travel with peace of mind knowing you're covered with Covered2Go. Get A Quote Today!

  *10% discount applies to Covered2Go policies only and does not apply to any premium generated to cover pre-existing medical conditions. Terms, Conditions and Exclusions Apply.

  Go To Provider's Site

  See Also

  UK Visa for Indians: A Comprehensive Guide with Travel Insurance TipsDo I need travel insurance? Uswitch explains if you need it or not. | UswitchHealthcare for overseas visitorsUK Travel Health Insurance | Insurance for UK Visitors | IAS

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  Go Walkabout

  

  

  Go Walkabout have been offering long-term travel insurance policies to UK residents since 1999. If you're planning to get away for winter sun, visit family or friends for a prolonged period of time, please get in touch.

  • No upper age limit on single trip policies and all medical conditions are considered
  • Cover up to 186 days for travellers 55-79, travelling to Europe, Australia/New Zealand and Worldwide excluding USA, Canada and Caribbean.
  • Cover for up to 124 days for travellers up to 79 for Worldwide including USA, Canada and Caribbean.
  • Cancellation cover to £5,000 can be extended to £10,000.
  • Upgrade your cover with ease through online extension request form.
  • Emergency Medical cover from £5 Million up to £10 Million.

  It is our objective to give our customers the peace of mind that their travel insurance needs have been met. We are proud and passionate about our product and the personal and professional level of our service to our customers.

  Go To Provider's Site

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  ASDA Travel Insurance

  

  

  Wherever you're heading for your holidays, make sure you're fully covered from the moment you book with our award-winning travel insurance. Up to three kids go free, per insured adult, subject to medical screening, when you buy direct from us.

  Go To Provider's Site

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  TravelTime

  

  

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

  • Quick and easy to quote and buy
  • Choose from 3 great levels of cover
  • 24 hour worldwide emergency assistance
  • Friendly UK based customer service

  Go To Provider's Site

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  Allianz Assistance Gold Cover

  

  

  • £10,000,000 for emergency medical and associated expenses
  • £25,000 for legal expenses
  • £2,000 for damaged, lost or stolen personal possessions
  • £20,000 for personal accidents
  • £1,500 for delayed departures and much more should something unexpectedly go wrong.

  Go To Provider's Site

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  Admiral

  

  

  

  Get 10% off when use the code MONEYFACTS23 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

  _*

  Go To Provider's Site

• 

  Coverbaloo

  

  Holidays are a time to switch off from regular life, and you need quality insurance that’s tailored to your circ*mstances to be able to properly relax knowing that you’ve got things covered. We work with a wide panel of specialist insurers to cover many different scenarios at competitive prices.

  Age doesn’t stop you travelling and neither should your travel insurance, which is why we don’t impose any upper age limits on our policies, so you can still make sure you’re protected at any age.

  Pre-existing medical conditions or illnesses can also make it preventative to get the right cover in place, but not with us. Our experienced team of advisers can talk you through anything if you have concerns, but we can cover most pre-existing conditions so nothing has to get in the way of your peace of mind.

  So, whether you’re going on a solo adventure, a romantic city break as a couple, a lazy beach holiday with the family, or a cruise around the world, we’ve got you covered.

  Go To Provider's Site

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  Heymondo

  

  Why do travelers choose Heymondo?

  • Comprehensive coverage for travelers worldwide, regardless of residency.

  • 24-hour Medical chat available in our app.

  • Online free assistance calls from anywhere in the world.

  • Medical expenses coverage up to £7,500.

  • Trip cancellation and interruption coverage up to £5,000.

  • Easy claims management.

  Go To Provider's Site

  See Also

  Visitors to the United Kingdom

• 

  loveit coverit

  

  

  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 Moneyfacts 5-Star rating 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.

  Go To Provider's Site

• 

  Leisure Guard

  

  

  • Medical Expenses for Medical Emergency & Repatriation (up to £15,000,000)
  • Trip Cancellation, Curtailment & Interruption (up to £7,500)
  • Personal Luggage(up to £3,000)
  • 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

  Go To Provider's Site

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  Good To Go Insurance

  

  

  • 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

  Go To Provider's Site

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  Insure With Ease

  

  

  • 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

  Go To Provider's Site

• 

  Insurefor.com

  

  

  • 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

  Go To Provider's Site

• 

  Big Blue Cover

  

  • 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

  Go To Provider's Site

The 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:

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.

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• 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.

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 circ*mstances 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.

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.

Travel insurance is offered as part of a current account by several different financial providers. Several accounts are 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 current 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.

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

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.

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.

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:

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.

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.

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.