What is travel insurance?

Travel insurance is there to protect you against unforeseen and unexpected events when you’re away from home.

With our travel cover, we can help with all sorts of problems in the UK and abroad – whether you need urgent medical assistance, your passport is stolen, you miss a connection or you need to cancel your trip.

Choose from Single Trip or Annual Multi-trip cover then add any optional cover you need, like travel disruption, winter sports or baggage cover.

You can add up to eight family members or friends to your policy.

Please be aware that you won’t be covered if you:

  • travel against the advice of the FCDO or any local authority in the UK or abroad – for example, if your decision to travel breaches quarantine or lockdown rules
  • need to cancel a trip because of measures, such as FCDO advice against travel or local UK lockdown restrictions, which were already in place when you purchase your policy.
Find more information on COVID-19 and travel insurance on our Coronavirus: travel insurance page  

Leisure activities

Cover is available for most activities

Emergency medical treatment

Cover up to £10 million

Lost or stolen money

Cover up to £500


Why do I need travel insurance?

Like all insurance, travel insurance offers peace of mind in case something unexpected or unforeseen happens.

Having an accident, losing your passport or being delayed can be expensive and tricky to deal with if you’re abroad. You might need legal help too, such as if you’re injured during your trip and it wasn’t your fault. Even if you simply fall ill while you’re away, it’s reassuring to know that we cover emergency medical and dental treatment.

You might already have travel cover, for example, it’s included with some credit cards and current accounts. But before you travel, check exactly what’s covered. Does it cover the places you’re going and activities you’ll be doing?

Some cover is optional, like cover for your belongings or for travel disruption, so make sure that you have the cover that you need when making travel plans.

What our travel insurance doesn’t cover you for is any event or incident that you knew about – or could reasonably be expected to know about – when taking out your policy or booking your trip. That could be something that’s already happened, or is going to happen, and can be reasonably expected to affect your travel plans.

Peace of mind away from home

You may be holidaying with family, friends or your partner, or perhaps it’s an adventure alone. Our travel insurance means we’re here if your time away doesn’t go to plan. 

Planning a one-off trip?

Are you planning a one-off trip? Or are you more of a regular jet-setter? Our choice of policies offers cover for your money and your travel documents when you head abroad or around the UK. They can also help protect you if you need to cancel or come home early, or cover you for medical emergencies abroad through our 24-hour helpline.

Travelling with medical conditions

It’s important to be covered for pre-existing medical conditions. We want it to be straightforward to tell us about them, so you can focus on your travel plans. And so long as you let us know about your conditions, we can tell you if we're able to cover them – so you feel protected while you’re away.

Your cover options

Choose from Single Trip Insurance for one-off holidays or Annual Multi-trip Insurance if you’ll be travelling frequently.

Single Trip Insurance

Cover for up to 120 days abroad, for travellers aged between 16 and 79.

UK holidays are covered too – if you’ve pre-booked at least two consecutive nights’ accommodation.

Annual Multi-Trip Insurance

Cover for up to 31 days abroad per trip, for travellers aged between 16 and 75.

If you’re planning to be away longer, we can cover up to 90 days per trip 1.

UK holidays are covered too – if you’ve pre-booked at least two consecutive nights’ accommodation.

Get 10% off online

Take out your travel insurance online and you could get 10% off the price of standard cover 2.

What does our travel insurance cover?

What’s covered

Whether you choose Single Trip or Annual Multi-trip insurance, here’s what you’ll be covered for as standard.

Up to £10 million for emergency medical expenses outside the UK:

  • Emergency medical treatment
  • Dental treatment for emergency pain relief
  • Emergency medical repatriation to the UK

Up to £5,000 if you need to cancel or abandon your trip due to:

  • Illness or injury of you or your travelling companion
  • Your redundancy
  • Your home being made uninhabitable by fire, storm or severe weather

Cover for your travel documents and money:

  • Emergency travel document expenses up to £750
  • Cash and bank notes up to £400
  • Delayed baggage up to £150

Take a look at the policy document for full details of what's covered.

Read our policy wording (PDF 312 KB)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • Cancelling or abandoning your trip if the Foreign, Commonwealth & Development Office (FCDO) advise against all travel or all but essential travel to the area you were planning to stay in – unless you’ve taken out the optional Travel Disruption cover
  • Any event, incident or circumstance which had already happened, or was going to happen, at the time you took out or renewed your policy, added any optional cover or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
  • Any claim if you travel against the advice of the FCDO
  • Any costs which are recoverable from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL (or similar organisation)
  • Your personal belongings or baggage – unless you’ve taken out the optional Baggage cover
  • Cancelling your trip if an airport, port or airspace you’re due to travel from or to is closed – unless you’ve taken out the optional Airspace Closure cover
  • Missed connections where you’ve not left enough time for travel, such as transfers between airports
  • Any leisure activities which are listed as excluded in the policy wording
  • Out-of-date travel documents

Take a look at our policy wording for full details of what's not covered.

Read our policy wording (PDF 312 KB)


Optional cover

If you need extra insurance, such as for winter sports or golfing equipment, you can find out more about our optional cover.

What we need to know about your health

You’ll need to tell us if you’re travelling with pre-existing medical conditions – or we might not be able to pay out for claims relating to them 3. We need to know if:
  • You’ve received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months
  • You’re under investigation or awaiting results for any diagnosed or undiagnosed condition
  • You know of any close relative, close business colleague, travelling companion or person you plan to stay with, who has a serious condition which could affect your decision to take your trip

Look at the policy document for more information on our medical declaration process.

Read our policy wording (PDF 312 KB)


Pre-existing medical conditions

Where we are able to offer cover for existing medical conditions, the total premium will include the cost for this cover. However, we may be unable to offer cover for certain medical conditions. If we cannot offer cover, or if you are not happy with the total premium you may be able to obtain cover from a specialist medical insurer.

The Money and Pensions Service (MaPS) has details of specialist insurers in their Travel Directory. ‘To access the directory please visit https://traveldirectory.moneyadviceservice.org.uk/en or call 0800 138 7777. Please be aware you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before obtaining cover elsewhere.

Read our policy wording (PDF 312 KB)

How our claims process works

At home or abroad, we’re here when you need us – online and over the phone.

You can only claim for an unexpected event. Our travel insurance doesn’t cover you for any event, incident or circumstances that you knew about – or could reasonably be expected to know about – when taking out your policy. That could be something that’s already happened, or is going to happen, and is likely to affect your travel plans.

Your travel policy provides cover for unrecoverable costs. If you need to make a claim for travel, accommodation or related costs which you or any insured person has paid, we will consider claims for your costs which are unrecoverable from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL (or similar organisations).

Step 1

Keep your documents handy

We're here to help 24/7 - online or over the phone.

For medical emergencies, call +44 1603 208 044. ^

You'll need your policy number to start a claim – so it's a good idea to take a copy of your insurance documents with you.

 

Step 2

Expert review

Our experienced team will take a look at your claim and work out how best to help you.

We’ll review any photos or documents you’ve sent us as part of your claim, like receipts for emergency accommodation.

Step 3

We’ll respond quickly

We’ll aim to get back to you as quickly as possible to help sort things out.

Still need help?

If you’ve still got a question, find out how to get in touch on our contact us page.