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Cheap Travel Insurance

Annual policy £9, family £19

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Rebecca and Tony | Edited by Johanna

Updated September 2016

Almost one in four Brits jet off without travel insurance, risking £1,000s in medical bills. If you've booked a trip but not insurance, do it NOW – it can cost as little as £9 for annual cover.

But it's not just about finding the best price, in this guide we also explain how travel insurance works and what to watch out for when you buy.

Travel insurance: Your 13 need-to-knows

travel insurance

The aim of travel insurance is to cover the cost of the unforeseen, such as illness and injury or theft of your personal possessions while you are on holiday. It's also designed to cover you if you have to cancel your trip, or need to return early due to an emergency. But before you buy, here are 13 things you should know.

  • Insurance is about covering the unpredictable

    "Why should I get travel insurance, I might not use it?" you may ask. But the whole point is to cover you for the unforeseen – ie, unpredictable events that may occur either before or during your holiday. You need to accept that, and as it's impossible to predict the future, all you can do is to give it your best shot. To sum up...

    Insurance is about making unpredictable events predictable in case the unpredictable happens.

  • Buy as soon as you've booked to cover cancellation and pre-trip illness

    If you've booked a holiday and think it's no biggie to leave insurance on the 'things to do' list, you're taking an unnecessary risk.

    Thinking you don't need to arrange cover yet as your holiday's not for another six months is a big mistake. In fact, it's even more of a reason to arrange travel insurance, as anything can happen before your trip. Why? It's because travel insurance won't just cover you while you're away, it'll also cover you for cancellation or anything else that might go wrong BEFORE you make your trip.

    travel insurance
  • Never assume all policies are the same

    While choosing a travel insurance policy isn't rocket science, don't think you can buy cover without first giving it considerable thought. Policies vary greatly and each have their own inclusions and exclusions.

    Before you decide what you are going to buy ask yourself the following questions: Will I be bringing expensive personal belongings? Will I be carrying a relatively large amount of foreign currency? Am I taking part in winter sports? This will help you decide what cover's right for you.

    In our best buys below we give you two choices. Annual policies, which meet our minimum criteria for various things, including cancellation and medical care, and our top pick policies, which not only meet our minimum criteria but also have a good record on claims, strong customer feedback and a history of paying out in extraordinary situations.

    What's typically covered under a travel insurance policy?

    What is typically left out of travel insurance cover?

    Does it matter which country I am going to?

    Am I covered for trips in the UK?

    What is an excess and how does it work?

    Does it matter what type of holiday I am going on?

    What should I check in my policy before I buy?

  • Going away twice or more this year? Annual cover is cheaper

    If you know you're going to travel at least twice in a 12-month period, consider an annual policy instead of single trip cover. This is because annual cover often works out cheaper than buying two single trip policies. But always do the calculations.

    Of course, this varies depending on where you're travelling and for how long, but if you get an annual policy you also have the added comfort of knowing if you have a third trip within that 12-month period, you already have the cover in force.

    How many days can I travel for on my annual policy?

  • Going to Europe? Don't forget your FREE EHIC

    travel insurance

    The free European Health Insurance Card (EHIC) entitles you to treatment in state-run hospitals in EU countries, plus Iceland, Norway, Liechtenstein and Switzerland. You'll be treated at the same cost a local. So if they pay nowt, you pay nowt. It's not a substitute for insurance, which covers far more.

    The card is free so if a copycat site pretending to the the real thing advertises a fee (often about £25), run a mile. For full info and how to get it for free from the legitimate NHS site, read the Free EHIC Card guide.

  • Check if you're already covered

    You may already have travel insurance without knowing. Many bank accounts which charge a monthly fee have extra benefits such as travel insurance (it's free if you have Nationwide's FlexAccount*, which is fee-free but includes travel cover). If you think you get insurance as a sweetener with your bank account, check the terms to see if it is appropriate for your trip.

    Do NOT confuse this with a benefit offered with credit cards called travel accident insurance, which only covers accidents on a train, plane or in a hire car paid for on the card. Never think this means you're completely covered.

  • This insurance should also not be confused with Section 75 legal protection – which covers you if you buy anything that costs between £100 and £30,000 using a credit card (not a debit card). See our Section 75 Protection guide for more on this.

    The main bank account that offers travel insurance is the free Nationwide FlexAccount*. For more info on that, and other accounts that may offer travel insurance, see our Best Premier Current Accounts guide.

  • If you're an older traveller, or there is one in your group, consider a separate policy

    travel insurance

    Older travellers are considered higher risk. This means travel insurance is more expensive and more difficult to buy as you get older – especially if you are over 65, with the average annual cost standing at more than £80.

    If you buy family or other types of group cover, also note the price is based on the oldest traveller or the person deemed to be the highest risk.

    To help cut costs we've written a full Over-65s Travel Insurance guide with the tips, tricks and best buys.

  • Check if a couples or family policy is cheaper than individual policies

    If you are travelling with your partner or your family, you have two options – you can either cover everyone under one policy, or each person takes their own. It's often cheaper to get a combined policy but always check first.

    For example, a couple both aged 40, can get an annual worldwide policy with winter sports cover for £83. But buying two individual, equivalent policies costs £46 each. The two can usually travel independently even if you've a joint policy.

    If you are travelling with your family, a policy normally covers your immediate family only, so check exactly who is covered when buying. Even children going on a school trip may be covered automatically on a family policy (as long as they are with a responsible adult).

    There are times when separate policies MAY save you money (so always check, to be safe), incl:

    • If just one of the travellers is going outside Europe, in particular to the US, or on a skiing trip (or even both), it could be better to have separate policies rather than the whole family buying extended cover when it's not needed.
    • If one of the travellers is over 65.
    • If one of the travellers has a medical condition.
    • Some super-cheap policies (with less cover) don't cover couples.
  • Always declare your medical conditions, or your claim may be rejected

    The thought of having to declare medical conditions can be daunting but travelling without making your insurer aware of any issues can result in any claim you make being rejected. Make sure you give a full and frank run down of all the health problems you have, plus if you're pregnant too.

    For much more, including tips, tricks and how to find the cheapest deals, see our pre-existing medical conditions travel insurance guide.

  • Going skiing? Make sure you've got winter sports cover

    travel insurance

    Winter sports can be dangerous, so as soon as you've splashed out on your break, make sure you are insured on the slopes. As well as covering you for the basics you'd get under a standard travel policy, you'll also be insured for activity-related injury and your winter sports equipment.

    Is winter sports cover automatically included?

    Is it worth getting a basic policy and hoping for the best?

    Do I need extra cover if I want to go off-piste?

    I am skiing twice this year. Should I get an annual policy with winter sports cover?

    Can I claim for piste closure?

    Is my equipment covered? What if it is rented?

    What happens if I have an accident while I am a little tipsy?

  • Don't overpay on your insurance. Costlier cover is rarely worth it

    Insurance providers go all out to scare us into upping cover levels. Don't be duped into upgrading for no reason. Platinum policies with £10m medical cover are bunkum.

    "Why," you ask? Well, you're charged more but the chances of you making a claim that high are slim. According to the Association of British Insurers, the average cost of a medical travel insurance claim in 2013 was £930 – a far cry from £10m!

  • Insurance from a travel agent could cost seven times more

    If you buy travel insurance from a travel agent or airline, be it for a single trip away or an annual policy, you are likely to massively overpay.

    This table compares the price of a selection of holidays with our top picks versus the cheapest options from a selection of travel firms that meet our minimum criteria .
  • The price of our top picks vs the travel firms
    Single trip, one week to Europe Annual worldwide
    Our top pick (no-frills) Travel firms' cover (1) Our top pick (no-frills) Travel firms' cover (1)
    Family (2) £10 – Leisure Guard Lite* £13-£58 £49 – Holidaysafe Lite*
    £82-£248
    Individual, 18-35 £5 – Leisure Guard Lite*
    £8-£38 £25 – Holidaysafe Lite*
    £59-£112
    Individual, 36-65 £5-£9 – Leisure Guard Lite*
    £8-£39 £27-£33 – Holidaysafe Lite*
    £59-£206
    Note: (1) Prices from BA, Thomas Cook, Thomson & Monarch. Some offer higher cover levels than our top picks, but consider whether you need it. (2) Ages 35, 35, 12 & 8. Correct as of June 2016.

    If you can avoid buying the agent or airline's insurance and instead check our full best buys below for a cheaper price.

  • Travelling for more than two months? You'll need specialist 'backpacker' insurance

    If you're going away for more than 60 consecutive days then standard travel insurance is unlikely to cover you.

    You'll therefore need specialist backpacker insurance - sometimes called gap year or extended leave insurance. These policies can protect you for up to 18 months as standard in most cases, and can even be extended.

    backpacker

     

     

Best buys: Annual travel insurance for under-65s

The big question to ask yourself is – are you going away at least twice in the next 12 months? If so, consider an annual policy, if not go for single trip.

Below we list the cheapest annual policies for all travellers aged under 65 and without medical conditions which meet our minimum criteria (see our over-65s and pre-existing conditions travel guides for more).

Find the best policy for you

Select your options to see the best deals for you

Age of the oldest traveller?
What do you want cover for?
Include basic winter sports?

An error has occured please try again

Your results: The cheapest policies for aged

We’ve analysed 20 insurers to find the cheapest deals that meet our minimum cover criteria. Many won’t automatically include cover for gadgets (ie: laptop, mobile phone, tablets) or scheduled airline failure.  If you require cover for either of these benefits, do check the policy or select as an add-on extension.

Provider Worldwide Cover Europe(ish) Cover
Nationwide FlexAccount - bank account From: Free (details below) From: Free (details below)

Your results: Our best value policy

This is our top pick policy that meets our minimum criteria (so the same as for our cheapest policies) but also has good feedback, a history of paying out in extraordinary situations, such as 2010’s volcanic ash disruption and a proven track record for paying out claims.

Provider Worldwide Cover Europe(ish) Cover

Not found the right policy for you? Go back and re-select from the options above.

FREE cover is possible via your bank

You may already have travel insurance if you pay a monthly fee for a bank account. If you believe you get insurance as a sweetener with your bank account, check the terms to see if it is appropriate for your trip.

The details of the top one, the Nationwide FlexAccount* – which is also FREE to use – are listed below. For more bank accounts which offer travel insurance, see our Bank Accounts with Benefits guide.

Nationwide

Free cover with your bank account

Nationwide FlexAccount*

A great way to get completely free European travel insurance is Nationwide's FlexAccount*. It's a decent policy and provides cover up to age 75, which alone usually costs a fortune. You can also upgrade this to cover additional family members, or trips worldwide.

However, if you need family cover or winter sports, for example, it might be cheaper to look elsewhere.

Need-to-knows
  • You must pay in £750+/mth to qualify.
  • If you want to cover your whole family, you'll need to pay an extra £40
  • You can extend cover worldwide, which costs £20, or £40 if you want to cover US & Caribbean trips. Check prices & cover within the Cheap Travel Insurance Best Buys section as cheaper policies are available.
  • If you have a pre-existing condition, tell Nationwide as you may need to go through insurer's medical screening process to see if it can cover you.

Stats box
  • Cost of the account: £0
  • Individual/family: Individual only (family can be added for an additional premium)
  • Europe/worldwide: Europe (worldwide for an additional premium of £40/yr)
  • Maximum age: 74 (can be extended beyond 74 for £50/year)
  • Days per trip: 31 | Cancellation: £5,000
  • Medical limit: £10m | Baggage: £1,500 (single item limit £300)
  • Money: £500 (cash £250) | Excess: £50 | Winter sports: For an additional premium

Best buys: Single travel insurance for under-65s

If you're only going on holiday once in the next year, a single trip policy could be the cheapest option. Before committing to a worldwide policy, check where your destination is deemed to be, as some providers - Allianz, Insure & Go* and Coverwise* - class Egypt, Morocco, Turkey and Tunisia as Europe.

For those aged 44 and under, the premium ranges from under £5 for an individual visiting Europe for seven days (£14 worldwide) and from £10 for a family in Europe (or £28 worldwide including USA, Australia, etc) via Leisure Guard (Lite)*. Also get a quote from Holidaysafe Lite* and Protect Your Bubble Economy* (via this exclusive link as it applies the discount code MSE15) as there's not much in it and can sometimes win.

If you're over 44, this is when Leisure Guard (Lite)* and/or Holidaysafe Lite* are the winners. You should get quotations from both where prices for going solo start from £5 in Europe (£14 worldwide) and travelling with a family costs from £10 in Europe (or from £29 for a family on a worldwide policy).

Looking for winter sports cover?

For a wider selection of insurers (with or without winter sports).
Also check out a comparison site such as MoneySupermarket*, Confused* and Gocompare* as they can undercut prices at times.

Cashback sites may pay you for signing up

As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Do check that it’s exactly the same deal though, as terms can be different. And remember the cashback is never 100% guaranteed until it’s in your account. 

Full help to take advantage of this and pros & cons in our Top Cashback Sites guide.

How to claim on your travel insurance

travel insurance

Claiming on your travel insurance shouldn't be daunting and – if you understand the terms and excesses on your policy – you shouldn't be in for any nasty shocks. Follow the five steps below in the event you need to claim.

  • Submit your claim as soon as possible

    Contact your insurer as soon as you can. Some parts of your policy may have a short window to submit a claim and it may take a while to be processed.

  • If it's a medical claim get an insurer to accept it first

    If you need to make a medical claim – and it is not an emergency – get an insurer to accept the claim over the phone first. For example, thieves make off with medicine kept in a handbag that you need urgently. If the insurer accepts the claim over the phone, you're less likely to be faced with a rejected claim later down the line. For obvious reasons, don't delay treatment if it is an emergency.

  • If it's a theft or loss claim notify the police

    If something goes missing or is stolen when you are abroad you may need to get a crime reference number or the overseas equivalent to make a successful claim. Report the incident to the police as soon as you can – you often have to do it within 24 hours – to make sure your claim doesn't hit the skids.

  • Keep your receipts

    If you are claiming for lost luggage or delay, remember to keep receipts of essential items you have bought in the interim, such as food and drink. Many insurers allow you to add these expenses to a claim and may ask for receipts as proof.

  • Complain if you feel your claim was unfairly rejected

    If your insurance company rejects your claim and you think it has done so wrongly, do not take it lying down. Complain to the free Financial Ombudsman. The ombudsman is an independent adjudicator that will make the final decision on a claim if you are locked in a dispute with your insurer. For more on how to make a complaint, read our Financial Rights guide.

How to complain about your insurance provider

The insurance industry doesn't have the best customer service reputation and while a provider may be good for some, it can be hell for others. Common problems include claims either not being paid out on time or at all, unfair charges, or exclusions being hidden in the small print. It's always worth trying to call your provider first, but if not then…

Free tool if you're having a problem

man complainingThis tool helps you draft your complaint and manage it too. It's totally free, and offered by a firm called Resolver which we like so much we work with it to help people get complaints justice.

If the complaint isn't resolved, Resolver will escalate it to the free Financial Ombudsman Service.

Important: if your issue is about a voucher or incentive that was part of an MSE Blagged deal, then instead just let us know by emailing voucherhelp@moneysavingexpert.com as that's usually quicker.