Yes, some travel insurers do offer policies that can come with no excess. Before you choose a 0 excess, you should consider:

  • The cost you pay for your policy is likely to be more expensive than one that comes with a higher excess

  • There may still be a compulsory excess charge that you have to pay if you claim

Travel insurance with no excess can be expensive, so make sure you get quotes with as many insurers as possible for the cover you need.

How to get the best price

You should decide what cover you want first, then compare different policies to find the best price for the cover you need.

You could look at the cover offered on:

  • Lost luggage

  • Illness abroad

  • Repatriation

You could get the price of your policy cheaper by increasing the excess, but that will mean you'll have to pay a larger amount in the event of a claim.

Can there be more than one excess on a policy?

Yes, when you get a quote you choose the voluntary excess on the policy, but this will always be in addition to the compulsory excess set by the insurer.

When you make a claim, you'll pay the compulsory and voluntary excess on your policy.

Policies may have different excesses depending on the type of claim, for example, a 50 excess for repatriation and 25 for lost luggage.

Travel insurance FAQs


Should I get a single or annual multi trip policy?


If you travel two or more times a year annual cover can be cheaper. This guide will help you choose which is right for you.


How long can I go away for?


It depends on your policy, but most insurers offer maximum single trips lengths of between 31 and 365 days.


When should I start my travel insurance policy?


You should buy your policy as soon as you book your holiday so you will be protected against cancellation before you travel.


Can I get travel insurance with pre-existing medical conditions?


Yes, but it can be more expensive and not all insurers will cover you. This guide explains how to find travel insurance with pre-existing conditions.


Do I need travel insurance in Europe if I have an EHIC?


Yes, the European Health Insurance Card (EHIC) only gives you access to basic state-provided healthcare when in European Economic Area (EEA) countries.