Travel Insurance

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Travel insurance

Travel insurance cover isn’t the most exciting thing about your holiday, but it is very important. That’s why we want to make choosing it as simple as we possibly can.

What is Travel Insurance?

Travel insurance is insurance that 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 you to the UK. These costs can be very high, so it’s important to make sure you have enough cover before you travel.

All our holiday insurance policies include:

  • Medical and hospital expenses
  • 24/7 emergency medical helpline
  • Holiday cancellation cover
  • Cover for travel delay or abandoning your trip
  • Lost or delayed baggage
  • Holiday activity cover for over 100 sports and activities
  • And lot’s more!

Read our policy wordings for full details of the cover and what else is included.

We also offer medical travel insurance and a range of optional extras.

What’s included in travel insurance?

Whether you are 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 you pay may vary, there are some elements of cover that are so important that they’ll be included in your policy as standard. These include:

Medical and repatriation expenses

Possibly the most important part of travel insurance is medical expenses cover. This should cover you for emergency medical bills, emergency dental treatment and, in extreme cases, bringing you back to the UK.

If you’re travelling in Europe, experts recommend you take out at least £1 million of cover, while if you are travelling outside Europe, at least £2 million. We offer a minimum of £5 million, with higher limits available.

Cancellation and curtailment

Cancellation is one of the most basic costs that your travel insurance can protect you against. This pays up to the amount specified on your policy if you need to cancel or curtail (cut short) your holiday.

Cancellation cover can range from £250 to £10,000, so it’s important to check that your chosen policy covers the cost of your trip. Our cheapest, Budget, offers £1,000 of cancellation cover per person, with more available on Silver, Gold and Black level policies.

Delayed departure

With this type of cover, you may be able to receive a benefit payment for each full 12-hour period you’re delayed, as long as you eventually go on the trip.

If a major delay of over 24 hours forces you to abandon your holiday, where the delay has been caused by strike action, poor weather or mechanical failure, you may receive a payment for your unused travel and accommodation expenses up to the amount in our policy wording.

Baggage and belongings cover

This covers you if your baggage or personal effects are lost, stolen or damaged. Wear and tear is taken into account.

Baggage cover should be enough to cover your luggage, and even our Budget travel insurance covers up to £1,000 of belongings per person, with the option to add extra cover for valuables.

Sports and activities

All of our policies cover over 100 sports and activities, so from golf to go-karting, cycling to surfing, you’ll be covered.

If you’re planning on doing some extreme sports, you can add on our ‘extreme sports cover’. This will cover a whole host of activities that are a little more risky; like shark diving, skydiving or even ostrich racing!

Personal liability cover

Personal liability covers you if you’re legally liable for accidentally injuring someone, or damaging or losing their property, while abroad.

If you injure someone, or damage their personal property, they could make a claim for compensation against you. It’s therefore a good idea to choose an insurer such as InsureandGo – we provide you with personal liability cover of at least £1 million.

Which is the best travel insurance for you?

annual multi-trip

Annual multi-trip cover

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

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 on holiday?

When buying annual multi-trip travel insurance, 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 that you’ll be travelling to. For example, we offer:

–        France travel insurance
–        Greece travel insurance
–        Spain travel insurance

If you’re going elsewhere, please see our list of countries. Or, if you are thinking of a holiday close to home, we also offer travel insurance for UK trips.

Why choose InsureandGo?

If you already know you need travel insurance you’re probably wondering what makes us so special. Well, let’s see if we can convince you:

We’ve been around since 2000

So we know our stuff, and because travel insurance is our only product we can focus on it full time.

Over 27 million travellers insured

If you insure with us, you can be one of the 27 million people who have trusted us to look after them on their travels.

We’re rated 5-Star

Defaqto rate our Gold and Black policies as 5 Star, and our service is rated Excellent by over 31,000 customers on Trustpilot.

24/7 Emergency helpline

So wherever you are in the world, there will always be someone here to take your call and offer assistance if you need it while you’re away.

No upper age limit and all medical conditions considered

We believe holiday insurance should be available to everyone, so we always try to provide as much cover as we can.

Make your claim online

We want to make claiming as easy as buying a policy, so if something happens you can claim online in just a few simple steps.

Travelling with pre-existing medical conditions

At InsureandGo, we’ll consider all pre-existing medical conditions and try to tailor a policy that best suits your requirements.

When you get a travel insurance quote, we’ll ask you some questions about your medical conditions. If you have a condition, you’ll need to declare it. You can do this over the phone or by using our simple medical screening process

We can cover many medical conditions at no extra charge. However, for others, there may be an additional premium to pay

For more information, visit our page on travel insurance for medical conditions or contact us.

Compare cheap travel insurance

The type of insurance you choose will depend on what you need for your trip. When offering you a price we consider many factors. These include where you’re going, how long you’ll be staying and whether you have any medical conditions. Get a quote today and compare our policies to see what we can offer you.

The cheap travel insurance policies you can buy aren’t all equal when it comes to what they cover and do what levels of cover they offer. So, as well as comparing the prices, you should also make a comparison between the things that are covered and levels of cover on offer.

So what’s the difference between our Budget and other policies?

At InsureandGo, we pride ourselves on offering comprehensive holiday insurance that doesn’t cost too much – in fact, when you buy our cheap travel insurance policy (Budget cover), you can rest assured knowing you’re covered for a wide variety of activities on your holiday, as well as cancellation and medical expenses.

If you’d like to add on winter sports insurance, travel disruption cover, additional valuables insurance or cover for adventure sports not covered by our Budget travel insurance policy, there are a range of upgrades you can buy.

These are the main benefits you’ll find in our Budget, Silver, Gold and Black policies:

BenefitsBudgetSilver, Gold & Black
Holiday cancellation

Medical & hospital expenses

Personal accident cover

Pre-existing medical cover

Medical screening

Belongings & baggage cover

Personal money cover

Passport & travel documents cover

Delayed departure cover

Missed departure cover

Personal liability

Legal expenses

Accommodation cover

Hijacking cover

Pet care

Business cover

Optional upgrade
Golf cover

Optional upgrade
Winter sports coverOptional upgradeOptional upgrade
Hazardous activitiesOptional upgradeOptional upgrade

Top tips for cheap travel insurance

What are you taking?

The best thing to do before looking at holiday insurance options is to think about what you’ll need cover for. If you’re planning on taking your MacBook or tablet abroad, then going for the cheapest cover from a comparison website might be less than useless when you realise it’s only covered your valuables up to £50.

So:

  1. Make a list of important items that you’ll be taking with you
  2. How much do you need these items covered for in total and individually
  3. Lastly, check your contents insurance as they may be covered away from your home already

Medical

Sometimes cheap travel insurance just doesn’t cover what it should. Which? suggest your travel policy should include at least £2 million emergency medical cover in Europe, and £5 million for worldwide cover. We cover medical expenses up to £5 million as standard, with higher levels available too.

How many times are you going abroad?

Getting cheaper travel insurance for multiple holidays can often be a better option than getting last minute cover for each holiday individually. If you’re planning on travelling several times throughout the year, you can save even more money by taking out annual multi-trip travel insurance, instead of getting single trip insurance each time you travel. Our Budget annual policy covers you for multiple trips of up to 31 days at a time. What’s more, children and winter sports are included at no extra charge.

Travel insurance FAQs

Does travel insurance cover coronavirus?

If you are looking for Coronavirus travel insurance, we’ve got you covered.

If you buy an InsureandGo policy today, the FCDO DOES NOT advise against all or all non-essential travel to your destination, and you have had and are up to date with the Covid-19 vaccination(s) recommended by the UK NHS (or were medically unable to have the vaccinations as evidenced by your medical records) you will be covered if:

  • You need to cancel your trip because you or a member of your family or travelling party are either,
    a) medically diagnosed with Coronavirus within 14-days of your planned departure date, as certified by a medical practitioner or independent authority following completion and physical analysis of a UK Government approved test;
    b) in quarantine on the date you are due to commence your trip, on the orders of a treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus;
  • You need to curtail your trip and return to your home earlier than planned due to the hospitalisation or death of an immediate relative, as a result of them having contracted Coronavirus.
  • You need medical treatment for Coronavirus while abroad or you have to extend your trip because you have contracted Coronavirus or are quarantined on the orders of the treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus.

There is no cover for any other Coronavirus-related claims, including lockdowns, quarantines or other government restrictions. All other terms and conditions of the policy apply.

Please see our Coronavirus Travel Insurance page for more details. Note that if the FCDO advise against all or all but essential travel to your destination for any reason other than Coronavirus, there would be no cover under any of our policies if you travelled abroad for a holiday.

How cheap is cheap travel insurance?

At InsureandGo, our affordable travel insurance starts from just a few pounds. A traveller aged 30, with no medical conditions, can buy a policy for 3 nights in France for just £6.29. If you want cheap travel insurance that covers you for a whole year, a traveller aged 30 with no medical conditions can buy an annual policy for Europe for just £33.86. Both prices correct on 29/07/22.

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 to make sure that your trip is covered. You can buy your policy either online or over the phone from our friendly UK-based team.

We’ll ask a few questions, such as 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-exisitng 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 require 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 well protected against emergency medical costs, unavoidable cancellations, or losing your belongings.

What travel insurance customers are saying about us: