Why do I need travel insurance?
It’s there to help protect you while you’re away from home. Our Aviva Signature travel cover can help with all kinds of curveballs, from urgent medical help to coming home early.
It can make sense to get your cover before you book your trip. It’s important to remember that travel insurance doesn’t cover you for any event, incident, or circumstance that you knew about – or could reasonably be expected to have known about – when you bought your policy or booked your trip (whichever is later). It’s there to help when life throws something unexpected your way.
Get started by choosing from annual multi-trip cover or single trip cover.
The benefits of travel insurance
Medical expenses cover 
We’ll cover you up to £10 million if you have a medical emergency while you’re on a trip. Footnote [1]
Cover if you have to cancel your trip or come home early 
Up to £5,000 per person included as standard (conditions apply).
Cover for friends or family 
Get protection for the whole gang by adding up to eight friends or family members, travelling with you or independently, to your policy.
Call us 24/7
for medical emergencies 
If you need immediate assistance, you can call us any day, any time.
Our types of Aviva Signature travel insurance
Annual multi-trip
- Cover for up to 31 days for each trip abroad, up to age 79.
- Includes cover for cruises if you’ve told us about them.
- We also cover UK holidays for two nights or more. Footnote [2]
- Option to extend cover to 45, 60 or 90 days.
- Optional cover for belongings and winter sports
Single trip
- Get cover for single trips up to 120 days, up to age 79.
- Includes cover for cruises if you've told us about them.
- We also cover UK holidays for two nights or more. Footnote [2]
- Optional cover for belongings and winter sports.
What does Aviva Signature travel insurance cover?
Check what is and isn't included in our standard cover then decide if you need any optional cover.
What's covered
Emergency medical expenses outside the UK up to £10 million
- Emergency medical treatment
- Dental treatment for emergency pain relief (up to £1,000)
- Bringing you back to the UK in a medical emergency
Cancelling your trip or coming home early
We’ll cover unrecoverable travel and accommodation costs up to £5,000 for each person (conditions apply) due to:
- Illness or injury of you or your travelling companion
- Your redundancy
- Your travel or accommodation provider becomes insolvent
- Your home being burgled or made uninhabitable following severe damage
- The Foreign, Commonwealth and Development Office advising against travel to your destination within 31 days before your departure or while you are away Footnote [3]
Cover for unexpected costs
- Travel disruption cover up to £5,000 for each person
- Emergency travel document expenses up to £1,250 for each person
- Missed transport costs up to £1,000 for each person
- Emergency medical supplies up to £250 for each person
- We'll pay £25 per person for each 12 hour period if your pre-booked transport is delayed and you decide to continue your trip. Maximum £250
Take a look at our policy wording (PDF 374 KB) for full details of what's covered.
What's not covered
- Any event, incident or circumstance which has 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 Foreign, Commonwealth and Development Office
- Any costs which you can recover from your travel and/or accommodation provider or agent, your debit or credit card company, PayPal, ABTA, ATOL or similar organisation
- Your belongings – unless you’ve taken out the optional Your Belongings cover
- Any claim for missed transport where you’ve not left enough time for travel, such as transfers between airports
- Booking a trip or travelling when the insured person has received a terminal prognosis
- Any leisure activities which are listed as excluded in the policy wording
- Out-of-date travel documents
- Claims will not be covered if your trip involves a cruise, unless you have specifically listed cruise cover on your policy schedule
Take a look at our policy wording (PDF 374 KB) for full details of what's not covered.
Important documents
Sit down and make sure you’re familiar with how our polices and services work. You can find the information you need in our Travel insurance policy wording (PDF 374 KB), Important information document (PDF 87 KB), and Insurance Product Information Document (PDF 74 KB). You can also read more About our insurance services (PDF 25 KB).
Boost your cover with optional add-ons
Your belongings
You can choose to add optional cover for your belongings if they are lost, stolen or damaged during your trip. This cover applies for each person for each trip. It includes:
Up to £2,000 for belongings and valuables combined. £400 in total for all valuables and £400 for individual items, pairs or sets
Up to £500 for money, limited to £100 if the insured person is under 16 years old
Up to £1,500 for golf equipment
Winter sports
Winter sports optional cover gives you extra protection while you're taking part in certain winter sports activities. It covers ski equipment, holiday disruption, piste closure and if you are unable to take part due to illness or accidental injury.
Aviva Signature Single trip cover – for the duration of your trip.
Aviva Signature Annual Multi-trip cover –for up to 31 days per trip.
Cover limits and exclusions apply.
Extended stay
If you're planning a longer trip, you can pay extra to extend your cover to 45, 60 or 90 days with our Aviva Signature Annual Multi-trip cover.
What we need to know about your health
We need to know if you, or anyone covered, has had any diagnosed illness, injury, or disease in the 12 months before buying or renewing your cover, where they've:
- been prescribed medicine, including newly prescribed or repeat medication
- received or are waiting for medical treatment, investigations or tests
- been referred to, is under the care of, or has had an appointment with a specialist or consultant
- been admitted to hospital or had surgery
It’s important you tell us about any pre-existing medical conditions. If you don’t, we may not pay a claim or withdraw cover entirely.
Medical treatment abroad can be extremely expensive. Travelling without cover for pre-existing conditions could lead to serious financial implications if you need treatment while you’re on a trip. It could also mean we may not pay a claim for cancelling the trip for any insured person if you become ill before your trip.
Look at the Your health section of the policy wording for more information on what we need to know about pre-existing medical conditions and when you need to tell us.
Pre-existing medical conditions
If we can cover a pre-existing medical condition we will, and this will be reflected in what you pay.
If we can't offer a policy due to your pre-existing medical conditions, or we can, but you're not satisfied with the price, you might be able to get cover from a specialist medical insurer instead. The UK government lists these specialist insurers for you to check out on MoneyHelper.
We work with All Clear, a specialist travel insurance provider, who may be able to cover you. You can contact them on 0800 848 8693 or head to their website.
If you have symptoms that haven’t been diagnosed yet, you may need to wait for a diagnosis before you’re able to get cover.
Calls to 0800 numbers from UK landlines and mobiles are free. Telephone calls may be recorded and/or monitored for training purposes.
Buy with confidence
You can add up to eight friends or family members to your policy.
If you already have another policy with us, we'll give you a 10% discount on new Annual travel insurance policies. T&Cs apply.Footnote 4
We’ve got endorsement from experts.
Over 69,000 people have chosen Aviva for travel insurance in the last 12 months. Correct at February 2026.
Frequently asked questions
Am I covered for a winter sports trip?
You have the option to add winter sports cover to your quote or policy for an additional premium:
Aviva Signature Single trip cover: You'll be covered throughout the duration of your trip.
Aviva Signature Annual Multi-trip cover: You'll be covered for up to 31 days per trip.
Cover limits and exclusions apply so for further information please see our policy wording.
If you're a new customer you can add winter sports cover to your quote in the "Optional policy covers" section on the "Your quote" page. If you have an existing policy and have not started your trip but would like to add winter sports cover, please call us on 0345 266 9259.
Am I covered for cruises?
You’re not covered for cruises under any section of the policy unless you have told us your trip involves a cruise and cover for cruises is shown on your policy schedule. This includes – but is not limited to – claims for medical treatment (including airlift to hospital), cancelling your trip or coming home early.
If your plans change after buying or renewing your policy and you decide to book a cruise, it’s important to let us know to make sure you have cover for cruises. Please call us on 0345 266 9259.
Am I covered for travel disruption?
We’ll pay for unexpected travel or accommodation costs if your trip is disrupted due to:
- natural disasters, severe weather, fire or explosion
- your travel or accommodation provider going out of business
- delays over 12 hours, cancellations, diversions, or overbooking with no alternative.
We’ll also reimburse non-refundable costs (like event tickets or excursions) if you arrive late due to these disruptions.
Does the policy cover business travel?
Yes, travel for business outside the UK in connection with an insured person’s job is covered - to carry out non-manual work such as administrative tasks, meetings and conferences. Voluntary, charity or conservation work, and fundraising, is also covered - provided they are for a registered charity or conservation organisation.
We won’t cover any trip where part, or all of the trip has been arranged:
- in connection with an insured person’s job where the trip involves, manual or physical work of any kind, working with children, providing healthcare, policing, security or military service, or an insured person’s role as a politician, religious leader, professional entertainer, or sportsperson.
- to carry out charity or conservation work where this involves working in a healthcare environment or working at heights of more than 3 metres.
Can I get insurance if I have a medical condition?
If we can cover a pre-existing medical condition we will, and this will be reflected in what you pay.
If we can't cover your pre-existing medical conditions or we can but you're not satisfied with the price, you might be able to get cover from a specialist medical insurer instead. The UK government lists these specialist insurers for you to check out on MoneyHelper.
If you are a new customer please provide details during the online quote. If you have an existing policy and need to tell us about a medical condition, please call us when you receive your renewal invite on 0345 266 9259.
For our joint protection, telephone calls may be recorded and/or monitored. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles.
Contact us
Making a claim 
If something happens, we’re here for you. You can get in touch with us online or give us a call – whichever is easiest for you.
Before you start your claim, remember that your policy covers you for costs that you can’t recover from your travel agent, accommodation provider, debit or credit card company, PayPal, or organisations like ABTA and ATOL.
Contact us
Whether you want to contact us online, or need to speak to us about a claim - or maybe just need some general advice - you’ll find the right details here.
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