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The level of cover you receive can vary a great deal from insurer to insurer but the average annual travel insurance policy should at least include:
  • Medical cover
  • Cancellation and delay cover
  • Loss of baggage cover
Other types of cover included in a comprehensive annual multi trip policy could include: cover for valuables and holiday money, scheduled airline failure insurance, personal accident/personal liability cover and legal expenses cover.
As a good rule of thumb, you should aim to have the following amounts in each area of cover:
Medical cover in the region of £2 million (double this if travelling to the USA).  This should also cover the cost of emergency repatriation.
Personal liability cover amounting to around £1 million.
Cancellation cover of equal value to your holiday (including the cost of prepaid excursions).  Cover is usually on a per person basis so to cover a £2,000 holiday you'd need cover of £1,000 each as a minimum.
Baggage and personal possessions cover to cover the cost of replacing your suitcase and contents should it be lost or stolen.  You should also consider the cost of single items such as your digital camera or laptop and factor this into the cover level you require (it is commonplace for insurers to apply a cap to the amount you can claim for on any one item so read the terms and conditions of your policy carefully).
Holiday spending money cover of around £500 or equal to the value of the cash you will be taking with you.

Travel insurance minimum cover infographic

How to reduce the cost of travel insurance


When taking out travel insurance, it’s important to find the right balance between getting adequate cover and not paying over the odds. Here’s some tips on how to get the best price for your travel insurance:
  • Shop around: Run a free travel insurance quote where you’ll be able to see how different policies stack up against each other.
  • Decline optional extras: It’s worth checking if your gadgets are covered abroad by your home insurance, or if protection is provided through your bank account, credit card or employee benefits package.
  • Pay annually: If you are a frequent traveller, it might be cost-effective to buy a policy that covers all trips in a 12-month period, rather than insuring each trip separately.

Frequently asked questions about travel insurance

We've put together this set of questions and answers to help make getting a quote as quick and easy as possible.

European Health Insurance Card (EHIC)

A European Health Insurance Card (EHIC) – which is free via the NHS – entitles you to state-provided healthcare on the same terms as a local when travelling in countries that belong to the European Economic Area and Switzerland.
You can find out more with our European Health Insurance card guide.  

Travel guides

We compare more than 265 policies from over 40 brands to help you find affordable travel insurance that offers the level of protection you need.
To help you find a policy that matches your requirements we have a library of helpful guides, ranging from destination-specific pages to tips on how to make a successful claim.

We're here to help you compare travel insurance

Do I need travel insurance?

Whether it’s a short city-break or a once-in-a-lifetime holiday, travel insurance provides cover should you face expensive medical bills if you’re injured or taken ill, or if something goes wrong with your trip.

Types of travel insurance

There are various types of travel insurance. For example, you can get cover for a single trip, or you can buy a 12-month multi-trip policy. Cover is also available for couplesfamilies or groups.
You can also tailor your insurance according to where you are going and the activities you’ll be undertaking, including:
types of travel insurance illustration