
Cheap Travel Insurance
Get annual cover from £18/yr, or less for single trip cover
Many jet off without travel insurance, risking financial loss if they need to cancel, or £1,000s in medical bills. If you've booked a trip but not insurance and it's been cancelled due to the coronavirus pandemic, there's little you can do now – you can't buy cover retrospectively. But if you have trips booked and you're looking for a new travel insurance policy, read on...
Your eight travel insurance need-to-knows

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 before you go, or if you need to return early due to an emergency. But before you buy, here are eight things you should know.
Annual & single-trip travel insurance for under-66s with some coronavirus cover
Important – please read first: coronavirus and these policies. When the coronavirus crisis started, many travel insurers stopped selling insurance, or offered no cover for ANY coronavirus-related issues.
However, we've now found some policies that cover medical costs if you catch coronavirus while on a trip, plus a few that also cover you if you need to cancel because you or a family member gets coronavirus before travelling and can't go. The tables below detail what each policy covers for single-trip and annual insurance.
Travelling against Foreign Office advice? We've found four providers that give some level of cover for this if you are looking for a new policy. The level of cover, and restrictions, differ.
We've based our picks on levels of coronavirus cover and price, plus we've made sure insurers meet our normal travel insurance minimum cover levels. We don't know how good service will be, though, especially in these extraordinary times. We hope this helps.

We're about to take you through our top picks – but before we do, you must know...
- As long as there's no Government warning in place against travel, you'll be covered for all the normal scenarios travel insurance covers, eg, bereavement, theft, loss. We've concentrated the tables below on cover offered for coronavirus.
Single-trip travel insurance policies which include medical coronavirus cover
If you're only planning one trip during the year, single-trip insurance is usually cheaper than annual cover. Here are the policies we've found that give some coronavirus cover, ordered by price...
Insurer | One-week single trip – from (i) | Covid-19 covered medically? | Cancellation cover for Covid-19? | Excess |
Leisure Guard (Standard)* | £6.98 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus |
£100 |
Insurefor.com (Premier)* | £7.30 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £75 |
Coverwise (Silver)* | £7.42 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £100 |
Staysure (Comprehensive)* |
£10.72 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £65 |
CoverForYou (Silver)* | £11 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £0 |
Avanti* (Classic) | £11.30 | Yes | Yes, but ONLY if the insured is diagnosed with coronavirus or a family member passes away after testing positive | £75 |
AllClear (Gold Plus)* | £13.56 | Yes | Yes, but ONLY if the insured is diagnosed with coronavirus | £75 |
ABTA (Travel Sure) | £15.45 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £99 |
Axa (Silver) | £16.85 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £100 |
Saga* (must be aged 50+) | £19.36 | Yes | No | £70 |
Trailfinders | £28 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £75 |
LV (Premier) | £28.08 | Yes | Yes, but ONLY if the insured, a family member or travel companion is diagnosed with coronavirus | £90 (ii) |
Post Office (Standard)* | £30.41 (iii) | Yes | Yes, but ONLY if the insured is diagnosed with coronavirus or a family member passes away after testing positive |
£100 |
Churchill | £42.30 (iii) | Yes | Yes, but ONLY if the insured, a family member or travel companion is diagnosed with coronavirus | £50 |
Direct Line | £48.85 (iii) | Yes | Yes, but ONLY if the insured, a family member or travel companion is diagnosed with coronavirus | £75 |
Prices correct as of 30 Sep 2020.
(i) Price based on an individual, to Europe. The price will vary depending on your age, and will increase if you require worldwide travel, winter sports or need family cover, for example.
(ii) This excess is for medical claims, and reduces to £50 for baggage claims.
(iii) Prices correct as of 22 Oct 2020.
Annual multi-trip travel insurance policies which include medical coronavirus cover
If you're planning to go away two or more times, annual cover is usually cheaper than buying a policy for each trip. However, most providers need you to go away within a few weeks or a few months of buying the policy – so keep this in mind when considering which to go with.
Here are the policies we've found that give some coronavirus cover, ordered by price...
Insurer | Annual cover – from (i) | Medical cover abroad for coronavirus? | Is there any cancellation cover for coronavirus? | Excess |
Leisure Guard (Standard)* | £17.99 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £100 |
Coverwise (Silver)* | £18.55 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £100 |
Insurefor.com (Premier)* | £24 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £75 |
Axa (Silver) | £26.70 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £100 |
AllClear (Gold Plus)* | £31.96 (ii) | Yes | Yes, but ONLY if the insured is diagnosed with coronavirus | £75 |
Staysure (Comprehensive)* |
£32.13 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £65 |
CoverForYou (Silver)* | £32.75 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £0 |
Avanti* (Classic) | £35.36 | Yes | Yes, but ONLY if the insured is diagnosed with coronavirus or a family member passes away after testing positive | £75 |
ABTA (Travel Sure) | £37.23 | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £99 |
Saga* (must be aged 50+) | £45.43 | Yes | No | £70 |
Post Office (Standard)* | £44.51 (iii) | Yes | Yes, but ONLY if the insured is diagnosed with coronavirus or a family member passes away after testing positive | £100 |
Direct Line | £59.33 (iii) | Yes | Yes, but ONLY if the insured, a family member or travel companion is diagnosed with coronavirus | £50 |
Churchill | £62.76 (iii) | Yes | Yes, but ONLY if the insured, a family member or travel companion is diagnosed with coronavirus | £50 |
LV (Premier) | £82.56 | Yes | Yes, but ONLY if the insured, a family member or travel companion is diagnosed with coronavirus | £90 (iv) |
Trailfinders | £165 (v) | Yes | Yes, but ONLY if the insured or a family member is diagnosed with coronavirus | £75 |
Prices correct as of 30 Sep 2020.
(i) Price based on an individual, to Europe. The price will vary depending on your age, and will increase if you require worldwide travel, winter sports or need family cover, for example.
(ii) The provider is currently giving 15 months' cover for the price of 12 months.
(iii) Prices correct as of 22 Oct 2020.
(iv) This excess is for medical claims, and reduces to £50 for baggage claims.
(v) Annual policy automatically includes worldwide cover with winter-sports extension as standard.
Travel insurance if you're travelling against Foreign Office advice
If you decide to travel to a country that has a Foreign Office warning against travel (though note we're not encouraging you to do so) and are looking for travel insurance to cover it, we've found some insurers that give some level of cover. Here's how it works...
- You WILL be covered for normal medical issues while overseas.
- You WILL have cover for the normal scenarios that travel insurance covers, such as loss of belongings, theft etc.
- You MAY NOT have cover if you catch coronavirus overseas, so check the policy.
Here are some insurers to consider:
Insurer | Cover as standard, or optional extension? | Covid-19 covered medically? | Cancellation cover for Covid-19? |
Battleface | Standard | Yes – with repatriation cover | No |
Insurefor.com* | Standard (but only for single-trip travel to Europe) | Yes – with repatriation cover | Yes, but ONLY if insured or family member diagnosed with coronavirus |
Leisure Guard* | Standard (but only for single-trip travel to Europe) | Yes – with repatriation cover | Yes, but ONLY if insured or family member diagnosed with coronavirus |
Staysure* | Optional - add "European Foreign Office travel advice extension" | No | Yes, but ONLY if insured or family member diagnosed with coronavirus |
Use comparison sites to find cover to suit your needs
For a wider selection of insurers, and if you want more protection, eg, gadgets, delays, airline failure, missed departure and more, then it's worth doing a full check using comparison sites such as MoneySupermarket*, Compare The Market, Confused.com* and Gocompare as they allow you to adjust your quote to suit your needs.
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How to claim on your travel insurance

Claiming on your travel insurance shouldn't be daunting and – if you understand the terms and the excesses on your policy – you shouldn't be in for any nasty shocks. Follow the five steps below if you do need to make a claim.
Travel insurance FAQs
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 small print. It's always worth trying to call your provider first, but, if not, then…
Free tool to help you complain
This tool helps you draft and manage your complaint. It's totally free to use, and it's offered by Resolver, a firm we work with to help people get complaints justice.
RESOLVER – FREE COMPLAINTS TOOL*
If the company won't help, Resolver also helps you escalate your complaint to the free Financial Ombudsman Service.

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