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What does travel insurance cover me for?

There are two main benefits of travel insurance, cancellation cover and medical emergency cover. Before you buy a policy, it’s important to understand what you’re covered for. Cancellation Cover Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.

It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for. Medical Emergency Cover If you have a medical emergency while you’re away, your travel insurance is designed to pay for the costs of this. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish. Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available. All policies will cover the cost of bringing you back to the UK (repatriation) if this is recommended. Some policies will offer cover if you need emergency dental treatment for the immediate relief of pain.

How do I find the right travel insurance for me?

It’s easy to get a quote online for a Single Trip or an Annual Multi-Trip policy, or you can speak to one of our friendly experts over the phone. This will show you all the quotes available from our large selection of trusted insurers. Each quote will show how much is covered on each policy for cancellation, medical emergency, and lost or damaged baggage, so you can choose the policy that’s right for you. If you’re holiday includes a cruise or winter sports, you can add these onto the policy too.