One trip or the whole year?
If you travel three times a year or more, annual multi-trip cover is almost always cheaper than buying per trip — and it removes the classic mistake of forgetting to insure a weekend away. Single-trip policies still win for one-off long-haul journeys, cruises and trips over 45 days.
Whatever you choose, medical limits matter more than the headline price. A £2m medical minimum is our baseline for worldwide travel; evacuation and repatriation should sit on top of that, not inside it.
Cancellation cover is the most under-bought protection in travel. For the price of an airport coffee, it guards the entire cost of the holiday.
Five add-ons worth considering
- Winter sports and hazardous activities — standard policies exclude skiing, diving and even hiking above 2,000m.
- Gadget cover for phones, cameras and laptops beyond the meagre standard single-item limit.
- Travel disruption: missed connections, strikes and ash clouds, not just cancellations.
- Car-hire excess waiver, which is cheaper inside travel cover than at the rental desk.
- Business equipment and money cover for working trips.
Declaring medical conditions honestly keeps every claim valid — most conditions add little or nothing to the premium. Talk to us before you fly and we'll make sure the policy matches the itinerary.
Senior Insurance Advisor at Oakmere Mutual Advisors — arranging travel and health cover since 2014.