What is travel insurance?
Travel insurance covers you if something happens while you’re on holiday or before you travel. This could include the costs of cancelling your holiday if you become ill and can’t go, or if your baggage is lost or damaged during your journey.
You’ll also be covered for medical expenses if you need emergency treatment abroad and, in extreme cases, the cost of returning to the UK. These costs can be very high, so it’s important to make sure you have enough cover before you travel.
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).
- Luggage loss and mishandling are on the rise. For international flights, around 20 out of every 1000 bags are reported as lost, delayed or missing.
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 reasons 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 £3K personal belongings and baggage cover
- Over 100 sports and activities covered
- Up to £60k legal expense cover
- Superior rated Covid Cover2 as standard
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. However, while the exact cover limits and the 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
Single trip cover
Covering you for one trip whether a weekend break or a month long getaway
- Cover for one trip to your chosen countries
Where are you going?
When buying annual multi-trip travel insurance, you can choose worldwide travel insurance to cover you for any country across the globe. If not, you’ll need to choose the right region for your trips.
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:
- France Travel Insurance
- Greece Travel Insurance
- Spain Travel Insurance
- USA Travel Insurance
- Turkey Travel Insurance
If you’re thinking of a holiday close to home, we also offer travel insurance for UK trips.
Who are you going with?
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:
Activities travel insurance
A must-have for holidays involving activities, like quad bikes or ziplining.
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:
- Travel insurance for over 50s
- Travel insurance for over 60s
- Travel insurance for over 70s
- Travel insurance for over 75s
- Travel insurance for over 80s
Winter sports travel insurance is only available up to age 65.
Do you have any 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:
How much does travel insurance cost?
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.
- Where you’re going: Some countries have a higher claim risk or a more expensive health care system. For example, travel insurance for the US will be more expensive than travel insurance in some parts of Europe.
- 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, such as winter sports.
- 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:
2. Get your quote
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.
“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.”
Letitia Smith – Travel insurance expert
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Frequently asked questions about travel insurance
How do I get travel insurance?
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.
Can I travel without travel insurance?
Some countries need you to have travel insurance in place before they’ll let you enter. Always check the Foreign, Commonwealth and Development Office travel advice before you set off.
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 winter sports, 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
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.