Travel Insurance Expert and Head of Communications
Last updatedNovember 27 2025
13 min read
Whether you’re jetting off for a week in the sun, planning multiple trips throughout the year, or have a medical condition to consider, travel should feel exciting, not stressful. We’ve been helping people travel with confidence for over 25 years. With no upper age limit, cover for pre-existing medical conditions, and unlimited emergency medical expenses on many of our policies, we’re here to protect your trip from the unexpected, before you go and while you’re away.
What is travel insurance?
Travel insurance is there to protect you. It offers financial cover for a wide range of unexpected events that could disrupt or cut short your trip. That might mean cancelling your holiday due to illness, losing your luggage in transit, or facing delays that affect your plans.
One of the most important aspects of holiday insurance is emergency medical cover. If you fall ill or are injured abroad, your policy can cover the cost of medical treatment, whether that’s a quick visit to a doctor or a stay in hospital. In more serious cases, it can even cover repatriation costs, helping you return to the UK safely.
Without travel insurance, these situations can be incredibly expensive. For example, a hospital stay in the USA could cost tens of thousands of pounds, and even simple treatments in Europe can add up quickly.
A good travel insurance policy gives you peace of mind, knowing that if something does go wrong, you won’t have to handle the costs or the stress alone. From trip cancellations and lost passports to delayed flights and stolen items, you’ll be covered for the moments you didn’t plan for.
What are the benefits of travel insurance?
Travel insurance is incredibly important for anyone thinking of going abroad. It means you’re covered for unexpected costs, from medical treatment, delays, replacing lost items and more.
No one likes to imagine anything unpleasant happening on their travels. However, there’s always a risk that the worst could happen.
Accidents and emergencies are common when travelling. Every week around 3,000 Brits need emergency medical treatment when visiting other countries, according to the Association of British Insurers.
Healthcare costs could be higher than you’d think. In the US, needing an ambulance could incur charges of around $1,300 (roughly £1,020) and a single overnight stay in a hospital can set you back $10,000 (approx £8,000).
With the right travel insurance, these unexpected expenses won’t leave you out of pocket, as we’ll cover the costs. This could save you hundreds or even thousands of pounds.
Insurance protects you against a host of holiday mishaps, including:
Having to cancel or cut short your trip for any reason beyond your control
Missed, delayed or cancelled transport, including flights
Any emergency medical costs, such as trips to hospital or any medication you might need
Any personal injuries or, in the event of death, the costs to get your body back to the UK
Any lost, stolen or damaged items, including your baggage, passports, money or gadgets, like phones or laptops
Items that are accidentally damaged or any injuries you accidentally cause to others
This means you can travel worry-free, knowing that costs from these unexpected issues are covered.
What does InsureandGo’s travel insurance cover?
All our holiday insurance policies include:
Unlimited emergency medical expenses and repatriation cover1 with a 24/7 emergency helpline
Up to £10K cancellation cover
Cover for travel delays and abandonment
Up to £5K personal belongings and baggage cover
Over 100 sports and activities covered
Up to £60k legal expense cover
Whether you’re buying a single trip or an annual multi-trip policy, you’ll have a choice between four levels of cover – Budget, Silver, Gold and Black. While the exact cover limits and price may vary, some cover elements are so important that they’ll be included in your policy as standard. These include:
Benefits
Budget
Silver, Gold & Black
Holiday cancellation
Medical & hospital expenses
Delayed departure cover
Pre-existing medical cover
Belongings & baggage cover
Personal money cover
Passport & travel documents cover
Personal accident cover
Missed departure cover
Personal liability
Legal expenses
Pet care
Business cover
Optional upgrade
Golf cover
Optional upgrade
Cruise cover
Optional upgrade
Optional upgrade
Winter sports cover
Optional upgrade
Optional upgrade
Hazardous activities
Optional upgrade
Optional upgrade
How to choose the best travel insurance policy for you
Each holiday is different, and so are travel insurance policies. So, there are a few things that you need to think about before you start pulling together your travel insurance quote.
How many times are you travelling this year?
The type of cover you’ll need depends on how many times you’ll go away in a single year.
Annual multi-trip travel insurance
Covering all of your trips whenever you want to travel in the next 12 months.
Cover for an unlimited number of trips
365 days cover
Flexibility to travel wherever you want in the United Kingdom, Europe or Worldwide
Our European travel insurance includes cover for countries bordering the Mediterranean, such as Egypt and Morocco. This means your policy will be cheaper than if you needed worldwide cover.
Single trip travel insurance is available for the specific country you’ll be travelling to. For example, we offer:
Travelling with more than one person? Why not take out a single policy together? Less paperwork, and less hassle. Whether you’re travelling alone, going with a group, or you’re after family travel insurance, InsureandGo has the type of cover you need.
What activities are you doing?
Aside from the policy essentials, we also offer a range of upgrades. This means you can tailor your holiday cover depending on what you’ll be doing abroad and what you might be taking with you. These optional upgrades include:
All-important cover for you, your clubs and any unused Green Fees.
How old are you?
No matter your age, we’ve got you covered! We provide holiday insurance with no upper age limit, including tailored Senior Travel Insurance. Learn more about travel insurance specifically for your age group:
Holiday insurance for pre-existing medical conditions
Don’t let medical conditions hold you back from exploring the world! Travel insurance with medical cover can provide valuable protection against unexpected medical expenses while abroad. Medical bills can be significantly higher in some countries, so having the right insurance can help you avoid a financial burden if you need medical attention.
When getting travel insurance, it’s crucial to disclose any pre-existing conditions to ensure your policy covers your specific needs. While some insurance providers won’t cover all pre-existing medical conditions, we do.
Examples of the medical conditions we cover include:
As we tailor each travel insurance policy individually, each quote is different. We consider several factors that can affect the cost and cover level of your insurance.
What age you are: The cost of travel insurance will change based on your age, as the risk of illness or injury can increase as you get older. However, our policies have no upper age limit.
Whether or not you have any pre-existing medical conditions: If you have a pre-existing medical condition, it might alter the cost of your quote. This will ensure you’re fully covered should you need emergency treatment when travelling.
What you’ll be doing on holiday: While we cover some activities as standard, you’ll need to pay an additional premium to take part in other, higher-risk activities.
How many valuables you’re taking: If you’re taking expensive items abroad, such as laptops, tablets, phones or cameras, you can add gadget cover to your policy for additional protection. While this may cost more, it will save you expensive replacement costs if you were to lose or damage your valuables.
Compare cheap travel insurance
The type of travel insurance you choose will depend on what you need for your trip. For example, where you’re going, how long you’re staying and whether you have any medical conditions. Get a quote today and compare the prices of our travel insurance to see what we can offer you.
Low-cost travel insurance isn’t always equal, and some policies will differ a lot in what they will and will not cover as part of the policy. As well as comparing the prices of the travel insurance you’re looking to buy, you should also make a comparison between the different levels of cover on offer.
Top tips for cheap travel insurance
If you’re looking for cheap Travel Insurance, remember that one of the best things you can do is get annual multi-trip travel insurance if you’re going away more than once a year, as this will be cheaper than booking several single-trip policies.
Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.
How to buy your travel insurance
We know your to-do list for your next trip can be a long one, so we make getting cruise insurance as simple as possible:
1. Let us know a little info
We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can ensure we provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy, or save the quote for the future.
Our experts say…
“One holiday mishap could leave a devastating dent in your finances, so making sure you’re covered for things like emergency hospital trips or lost luggage is crucial. It means you’re free to enjoy your trip without worrying about the risks of unexpected costs.”
It’s quick and easy to get travel insurance. As soon as you have travel plans, get a quote so your trip is covered. You can either buy your policy online or over the phone from our friendly UK-based team.
We’ll ask a few questions, like your age, where you’re going, and how long you’ll be staying. You’ll also need to tell us if you have any pre-existing medical conditions. Then we’ll offer you a range of policies so you can choose the one that suits your trip and your budget.
Even if the country you’re travelling to hasn’t made travel insurance mandatory, it’s still important to have cover in place. Unexpected events can happen anywhere, and you need to know you’ll be protected against emergency medical costs, unavoidable cancellations, or losing your belongings.
What does travel insurance not cover?
There are a few things that standard travel insurance policies will not cover, such as extreme sports, cruises, golfing and gadgets. These are often listed as optional extras when buying your travel insurance policy.
You should also be aware that if you’re travelling against medical advice or travelling to get medical treatment, you won’t be covered. You’ll need specialist travel insurance for this.
When should I get travel insurance?
As emphasised by MoneySavingExpert’s Martin Lewis, you should buy travel insurance as soon as you’ve booked your holiday. This means you’re covered should your trip need to be cancelled.
Remember that you need to have bought travel insurance before you leave the UK for it to be valid.
Who can buy InsureandGo travel insurance?
All our travel insurance policies are available to UK residents. This means:
Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
