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What is travel insurance?

Travel insurance is a type of insurance that protects travellers from financial losses incurred during their trip. It typically covers medical expenses, lost luggage, trip cancellations, delayed flights, and other unforeseen costs.

Why compare travel insurance policies?

You will need to consider several factors to find the most appropriate travel insurance for your needs. First, determine the type of coverage you will need. This will depend on the length of your trip, where you are travelling and what activities you plan to do. For example, if you plan to enjoy extreme sports such as white-water rafting, bungee jumping or scuba diving, you may need additional coverage.

Next, compare different plans from various insurance providers. Look at each plan’s coverage limits, excesses (sometimes referred to as deductibles), and exclusions to find out which best suits your needs. If you have pre-existing medical conditions or take prescription medications, ensure these are also covered in your policy.

Does travel insurance cover Covid-19?

Many policies now offer coverage for Covid-related losses, such as trip cancellations due to quarantine requirements. Be sure to check with your provider to find out which losses you are covered for in the event of illness. Most providers will offer emergency medical cover and return to the UK, so you can be assured of being taken care of if you become ill while travelling.

Ultimately, finding the right travel insurance policy is an important part of preparing for any trip. With the easy-to-use comparison tool, you can quickly and easily compare polices form top providers to find the best one for your needs.

Will a pre-existing condition affect cover?

This depends on the insurer and the condition. Some insurers will not accept applications for certain pre-existing conditions, while others may include them only with an additional charge or reduced cover. It is essential to read all policy details and carefully check the exclusions before purchasing a policy.

If you cannot find cover with the providers listed, the Money and Pension Service (MaPS) has a directory of insurers who offer cover for pre-existing conditions.

What does a travel insurance policy cover?

What is usually covered:

Lost or stolen luggage, passports or cash

Trip cancellation or reduced stay

Emergency medical expenses

Medical evacuation (Repatriation to the UK)

Travel accidents

Legal expenses and personal liability

What is not usually covered:

Undisclosed pre-existing medical conditions

Dangerous activities

Fraudulent acts

Intentional self-injury or suicide

Losses due to intoxication or drugs/alcohol abuse

Lost phones, cameras, or items left in non-secure locations

Injury due to terrorism or natural disaster

It is essential to read the policy details carefully and contact your provider if you have any questions about the cover they provide.

Does an insurance policy replace the need for an EHIC/GHIC?

UK travellers are likely acquainted with the European Health Insurance Card (EHIC) or the updated Global Health Insurance Card (GHIC). These cards provide access to state-funded medical care in EU countries at reduced or no cost.

Health care will not necessarily be free with an EHIC/GHIC but will be heavily subsidised; thus, they are a logical first step for any UK traveller venturing into Europe. Travel insurance will provide additional coverage, such as medical treatment at private clinics, repatriation or lost/stolen luggage. In this way, a travel insurance policy supplements the EHIC/GHIC and should not be considered an alternative to it.

Single-trip vs multi-trip policies

If you plan to travel more than once annually, purchasing a multi-trip policy may be more cost-effective, covering several trips within the year. This may also provide added security in knowing you have adequate cover for each journey. Single-trip policies are typically cheaper but are limited to one holiday and do not cover additional trips during that period. You will therefore have to remember to buy a new policy each time.

When selecting your policy, it is essential to consider the length of your trips and ensure the policy covers them. Some multi-trip policies restrict trip duration, so check this before purchasing.

Finding the right travel insurance can be daunting, but with the easy-to-use comparison tool, powered by Quotezone, you could find the best policy for your needs in minutes. Whether you need a single-trip or multi-trip policy, read all the details and check exclusions before purchasing. With the right cover, you can relax and enjoy your holiday, knowing that any eventuality is taken care of.

The information contained within this webpage is for editorial purposes only and not intended as financial advice.

* Help2Compare.co.uk is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA). Quotezone is a trading style of Seopa Ltd. You can check this out on the financial services register at https://register.fca.org.uk/. FRN: 313860. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd.