Online DiscountMax Trip DurationMedical ExpensesCover 
EuropeWorldwide Incl. USAWorldwide Excl. USAWinter Sports
Flexicover
Travel Insurance
up to
10%
31
days
£10,000,000
Tel 0800 954 8850 0800 954 8850
Purchase any Flexicover policy online, get 10% discount with code "MY10" and an automatic chance to win a prize worth up to £1,000. money.co.uk exclusive products.
CoverForYou
Travel Insurance
0%
up to
548
days
up to
£20,000,000
Over half a million travellers covered in the last year. 5 Star Cover with 97% satisfaction [source: feefo].
JustTravelCover.com
 
Travel Insurance
10%
up to
365
days
£10,000,000
Tel 0800 9882843 0800 9882843
No Age Limit travel insurance. Cover available for pre-existing medical conditions. Quickly compare a range of insurers on one website. Use Voucher code: MONEY10 to receive an exclusive money.co.uk additional 10% discount.
Spectrum
Travel Insurance
10%
up to
547
days
up to
£25,000,000
Purchase any Spectrum policy online and get a money.co.uk exclusive 10% discount and an automatic chance to win a prize worth up to £1,000.
Columbus
Travel Insurance
0%
up to
365
days
up to
£15,000,000
FREE kids cover on annual policies.
Barclays
Travel Insurance
20%
up to
365
days
up to
£10,000,000
20% Online Discount. T&Cs and exclusions apply.
Staysure.co.uk
Travel Insurance
0%
up to
550
days
up to
£10,000,000
Tel 0800 652 8161 0800 652 8161
High quality cheap travel insurance designed specifically to meet the requirements of the more mature traveller - 50+.
TopDog
Travel Insurance
10%
up to
548
days
up to
£25,000,000
Purchase any TopDog policy online and get a Money.co.uk exclusive 10% discount and an automatic chance to win a prize worth up to £1,000!
Alpha Travel Insurance
 
Travel Insurance
15%
up to
744
days
£10,000,000
goodtogoinsurance.com
 
Travel Insurance
0%
up to
94
days
£10,000,000
Specialist cover for travellers with medical conditions - at a fair price. No age limits.
Explorer Travel Insurance
 
Travel Insurance
10%
up to
558
days
up to
£10,000,000
Choose from Single Trip, Annual, Cruise, Winter Sports, Backpacker and specialist Over 65's & Medical Conditions Travel Insurance.
LV=
Travel Insurance
10%
up to
366
days
£10,000,000
Get a 15% discount on our travel insurance when you buy a new policy online.
Virgin
Travel Insurance
0%
up to
548
days
up to
Unlimited
Kids are covered free, up to 3 kids under 18 per insured adult and they include lots of extras as standard - like cover for over 40 adventure activities and winter sports cover included automatically in annual policies.
Go Walkabout Travel Insurance
 
Travel Insurance
0%
up to
558
days
up to
£10,000,000
Saga
Travel Insurance
10%
90
days
£10,000,000
Aviva
Travel Insurance
20%
up to
120
days
£10,000,000
Travel insurance direct from Aviva - save up to 20% when you buy online (Minimum price applies).
Post Office
Travel Insurance
up to
10%
up to
365
days
up to
£10,000,000
Post Office Travel Insurance - buy the cover to suit you today. Post Office Travel Insurance is underwritten by AXA Insurance UK Plc.
Coverwise
Travel Insurance
0%
up to
90
days
up to
£20,000,000
insurefor.com
Travel Insurance
up to
13%
up to
365
days
up to
£10,000,000
Get 13% Discount when using the code money13. T&c's apply. Offer ends 30/09/2014
Debenhams
Travel Insurance
0%
up to
365
days
up to
£10,000,000
Get a free £5 Debenhams gift card when you buy travel insurance. Over 40 adventure sports covered, unlimited cover for overseas medical expenses, plus kids go free! Terms and conditions apply.
Sainsbury's Bank
 
Travel Insurance
30%
up to
60
days
up to
£10,000,000
30% online discount on Sainsbury's annual travel insurance and 20% off single trip policies. Additional online discount exclusive to Nectar customers gives you 35% off your annual policy and 25% off your single trip policy.
Admiral
Travel Insurance
up to
0%
up to
365
days
up to
£10,000,000
Protect your bubble
 
Travel Insurance
0%
up to
365
days
£10,000,000
Single Trip cover in Europe from just £3.61, Annual multi-trip cover from just £23.66. Full details of cover are on our website.
Tesco Bank
Travel Insurance
0%
up to
90
days
up to
£10,000,000
20% Guaranteed discount for Clubcard customers who buy online. Guaranteed discount is made up of an online and Clubcard discount. Discounts do not apply to options you can add to your policy. Online and Clubcard discounts are subject to a minimum premium.
Elect Travel Insurance
 
Travel Insurance
0%
up to
122
days
up to
£10,000,000
AA
Travel Insurance
10%
up to
365
days
up to
£10,000,000
Great cover from the brand you can trust. Online discounts and discounts for couples and families available.
American Express
 
Travel Insurance
20%
up to
730
days
up to
£15,000,000
5% online discount. £50 excess on Travel Insurance policies. Online medical screening available.
OutbackerInsurance.com
 
Travel Insurance
0%
365
days
£5,000,000
EHIC Plus
Travel Insurance
0%
up to
122
days
£2,000,000
CoverCloud
Travel Insurance
0%
up to
Unlimited
up to
£10,000,000
Your quote includes a 10% discount from money.co.uk. Winter Sports and Long Staycover up to aged 69.
John Lewis Insurance
 
Travel Insurance
20%
up to
180
days
up to
£10,000,000
Jet2.com
Travel Insurance
0%
up to
365
days
up to
£10,000,000
Club Direct
Travel Insurance
0%
up to
365
days
up to
£10,000,000
Use voucher code: TAGVOU to get an extra 5% online discount.
Leisure Guard Lite
 
Travel Insurance
0%
up to
365
days
£10,000,000
Insure For All
Travel Insurance
up to
10%
up to
365
days
£10,000,000
10% discount when you buy online. Plus an extra 5% discount using the exclusive Money.co.uk discount code MON5PC when you apply.
InsureandGo
Travel Insurance
0%
up to
548
days
up to
Unlimited
Benefits Alliance
 
Travel Insurance
20%
31
days
£5,000,000
FREE INFANT COVER (0-2) and 20% Discount Online.
Direct Travel Insurance
 
Travel Insurance
15%
up to
365
days
up to
£20,000,000
M&S Bank
Travel Insurance
15%
up to
120
days
£10,000,000
Online discount excludes renewals. See website for details.
1Stop
Travel Insurance
0%
up to
365
days
up to
£10,000,000
TravelTime
Travel Insurance
0%
up to
120
days
£5,000,000
Choose from Single Trip, Annual or Winter Sports travel insurance and save up to 10% online.
Insure For You
Travel Insurance
0%
up to
547
days
up to
£5,000,000
Insure For Travel
 
Travel Insurance
0%
up to
547
days
£5,000,000
Cheaptravelinsurance.com
 
Travel Insurance
0%
up to
45
days
£10,000,000
Insurewithease.com
 
Travel Insurance
0%
up to
365
days
up to
£10,000,000
Kids covered free of charge on single trip policies. Scheduled airline failure/end supplier failure included.
Essential
Travel Insurance
0%
up to
730
days
up to
£10,000,000
Cosmo Travel
Travel Insurance
up to
30%
up to
365
days
£10,000,000
onestop4:
Travel Insurance
0%
up to
547
days
£5,000,000
Questor Insurance Services Ltd
 
Travel Insurance
0%
up to
540
days
up to
£10,000,000

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are displayed with non-faded buttons.

How to Buy Travel Insurance

by Hannah from money.co.uk

We explain how to protect yourself with value for money travel insurance when you holiday abroad.

Sun Drawn In Sand

When you go on holiday protecting yourself with comprehensive travel Insurance is almost as essential as having a valid passport, if not more so as the consequences of travelling uninsured have the potential to be a lot more expensive.

Once you leave the UK you're no longer protected by a free health service and therefore face the very real possibility that an accident or illness overseas could see you paying out thousands of pounds for treatment. However, despite this many Brits still jet off on their holidays every year without arranging cover.

In the past travel insurance has had a bit of a reputation for being expensive and not particularly comprehensive, however this was largely down to the travel agents that hiked the price of basic cover and sold it as an add-on when excited holiday makers were planning their trip away.

This is definitely no longer the case and by taking a couple of minutes to compare travel insurance to find a policy that provides you with value for money you'll be safe in the knowledge that you're protected financially wherever you travel.

Annual or single cover?

The first thing you'll need to decide on when looking for travel insurance is whether you want to take out a single trip or annual policy. A good rule to follow is that if you travel abroad more than twice a year, plan to take part in winter sports or are visiting America, you're better off opting for an annual policy as the overall cost will be cheaper than insuring each individual holiday you take.

Single trip insurance is designed to provide you with cover for a specific holiday and the cost will depend on both your destination and the length of time you are away for.

Annual policies are designed to protect you overseas for a year from their start date regardless of however many times you travel and this makes this type of insurance a really flexible option.

Some insurers will give you the choice of taking out either European or Worldwide annual cover.  If you only plan to venture within Europe during your policy year European annual cover is likely to be a more economical option, so is definitely worth looking into.

If you plan to take any longer holidays you should also check whether an insurer places a restriction on the number of days you can spend abroad on any one trip. If you plan to be away for a number of months at any one time you may find that 'backpacker' or 'gap year' insurance options provide more suitable cover for your travel requirements.

Additionally, when setting up your annual travel insurance it's important to choose your policy start date carefully. While you may be tempted to have it start on the first day of a holiday it's actually safer to arrange it to begin on the day that you book your first trip as this way you're fully protected against the cost of cancellation.

Benefits to look for

Once you decide whether annual or single trip insurance will be more suited to your travel arrangements it's then time to start comparing the individual policies available. To make this a little easier you should start by looking at the different features offered including:

  • Medical cover - This is one of the most essential components of cover and while it can be tempting to pay a little extra for bonus cover in almost all circumstances 2million will be a sufficient medical travel insurance limit
     
  • Cancellation - There is nothing more disheartening than paying for a holiday that you aren't able to go on and this is where cancellation cover come in handy. When choosing compare the amount each will pay out for cancellation and check it will be sufficient to compensate you for the full cost of your holiday should the worst happen
     
  • Personal liability - This element of a travel insurance policy will protect you financially should your actions abroad cause someone to begin legal proceedings against you it is therefore almost an essential
     
  • Pre-existing medical conditions - Honesty is always the best policy with insurers as if they find out that you provided them with incorrect information they are perfectly within their rights to cancel your cover. So, while declaring a pre-existing condition may increase your policy premium slightly, should you need to make a claim it will be worth it.  Different insurers approach pre-existing conditions in different ways, some will simply exclude medical cover for its treatment from your policy while others will simply raise the premium accordingly
     
  • Lost luggage and cash cover - Another important part of any travel insurance UK policy is the cover it provides for your luggage while you are abroad or in transit. You should check that the policy provides sufficient cover to completely replace the luggage you are likely to be travelling with and that you'll be compensated financially if your luggage is delayed by any length of time.  It is also worth noting that many insurers will offer a discount if your luggage is already protected under a personal belongings clause on your house insurance so this is definitely worth checking out to save paying for the same protection twice.
     
  • Winter sports and adventure holiday cover - Statistically you're more likely to make a medical or luggage claim on this type of holiday so it's important to make sure you're adequately protected. Many providers offer specially tailored winter sports and adventure holiday policies or customised 'add-ons' to compensate as the type of activities covered are typically listed as exclusions in other policies
     
  • Age limits - Because most insurance policies are based on statistical risk calculations many travel insurance providers specify a maximum age limit on their policies. This will range from 65 to 98 and is definitely something to look out for if you fall into this age bracket. However, there are also many providers who offer policies specially tailored for those over 65 so without very much searching at all you should be able to find affordable cover
     
  • Discounts - As an added incentive to draw in customers many insurers offer a range of discounts to make their cover even more competitive.  However, while cheaper cover is obviously very appealing it's more important to find a policy that will provide you with adequate protection. That said advertised bonuses such as family or couple discounts and definitely worth looking into when choosing your travel insurance policy.

Once you have decided exactly what you need from your insurance the final step is to look for the best travel insurance quotes for your type of cover, so you pay as little as possible for the cover you need.

You can compare travel insurance policies and get quotes by visiting the various providers listed in our travel insurance comparison table.