travel insurance travelling to uk

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Visitors to the United Kingdom

Uk travel insurance and safety tips for visitors.

The weather is another consideration. Unless your travel is confined strictly to the summer months, plan on encountering low temperatures, and even if you are traveling in the summer, you shouldn’t count on it being warm and sunny. In Edinburgh, the average daily July temperature doesn’t break 15°C (60°F), and at night the July average drops to 11°C (52°F), hardly tank tops and shorts weather.

From the mysterious magic of Stonehenge to the sparkle of the crown jewels, the United Kingdom offers something for everyone. Totaling less than 100,000 square miles, and with London just a three-hour train ride from Paris, the UK offers a wide variety of cultures, experiences, and even languages within its borders, encompassing Wales, Scotland, Northern Ireland, and England . Be assured speaking English will undoubtedly suffice for travelers and those visiting the UK.

However short your visit is, you should count on having rain and damp weather. Having good rain gear in your luggage ensures you have the most enjoyable stay. Of course, we suggest tourists also have a good UK travel insurance plan before departure. What else should you know to make sure that your stay in the UK is healthy and safe so you can fully enjoy your time there? Let’s take a closer look.

Best Travel Insurance for Visitors to the United Kingdom

For tourists and visitors to the UK who are looking for a travel insurance plan, including coverage for trip interruption, evacuation, and repatriation benefits, consider the Atlas Travel Medical Plan , offering high-quality coverage at an affordable price, or the Patriot Travel Insurance  plan.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

Best Travel Insurance for US Citizens Visiting UK

For US citizens traveling to the UK, we recommend the GeoBlue Travel Insurance plan while visiting the United Kingdom. GeoBlue offers great service with a premium network of hospitals and doctors worldwide. If you have a US health insurance plan, some pre-existing conditions will be covered in the UK or any country you travel to.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Embassy Phone Numbers in the UK

• United States: +44 20 7499 9000
• Canada: +44 20 7004 6000
• Australia: +44 20 7379 4334
• New Zealand: +44 20 7930 8422

All embassies are located in London, but larger cities such as Belfast and Edinburgh are likely to host a consulate which can be a valuable resource if you are located closer to one of these cities.

Essential Safety Tips for Visitors to the UK

The United Kingdom has a reputation as a safe place for travelers. However, usual precautions should be taken, especially when traveling and living in large cities where thefts, muggings, and sexual assaults do occur. It’s a good idea not to carry too much cash or valuables as you move about and to keep secure copies of important documents such as passports and credit cards. When going out for an evening, do not leave drinks unattended.

Unfortunately, terrorism remains a threat in the United Kingdom; the Canadian government advises a “high degree of caution”. The UK has placed its current threat level at severe. You can check the latest UK threat level here , and U.S. Citizens can enroll in the STEP program to receive the latest warnings and updates from the State Department. General advice for staying safe in the face of this danger includes monitoring local news, familiarizing yourself with the area, keeping the contact information for your embassy, and, for those who are visiting on a longer stay, registering with your embassy.

Emergency Assistance Numbers in the UK

Two emergency numbers in the UK will connect you with all emergency services, including ambulance, fire, and police. Both 999 and the more universal European 112 will work and function similarly to how 911 operates in the United States.

Another helpful number to have is 0845 4647  or  111, a non-emergency number that will connect you to the National Health Services, where a trained professional can help you assess your symptoms to help you decide where to seek help best.

For those staying in a residence or rental property, either as a long-term or short-term rental, it’s a good idea to have the gas emergency number: 0800 111 999 .

United Kingdom: Healthcare System and Types of Insurance

The United Kingdom provides healthcare to all citizens and permanent residents through the publicly funded National Health System (NHS). For those who do not meet the requirements to qualify for NHS coverage, it will be necessary to acquire private insurance. This is available both within the UK and can be purchased through services specifically designed for travelers and expats. While healthcare in the UK regularly receives high marks in the area of quality, the NHS has been criticized for accessibility and speed with which services are provided, causing some who have access to NHS to opt to buy additional private insurance to ensure that their health care needs are fully met. As you look through your healthcare options, this should be an important consideration for you. The NHS is so large that even private insurance services are often provided within the framework of the public system. The insurance options that you choose must provide adequate coverage that will meet your healthcare needs with the speed and efficiency with which you feel comfortable.

Related: Health Insurance for Expats in the UK

• HealthCare in the UK (Wikipedia)
• Best Hospitals in the UK For Expatriates and Travelers

The United Kingdom is currently leaving the European Union. As a result, for those who are not UK residents but are EU residents, it’s important to call your current insurance provider and find out about any changes to the benefits that you would receive while traveling and living in the UK. As this is a shifting situation, getting the most up-to-date information is best.

Vaccines, Medications, and Diet Considerations for Visiting the UK

Food and clean water are readily available throughout the United Kingdom. Even those requiring a special diet, such as for diabetes or Celiac disease, can look forward to being able to find specialty foods available. Those who follow a vegan diet should expect to have a similar time as they do at home. In larger cities like London, finding markets and restaurants that cater to their diet will be much easier than in rural areas. The UK food labeling does not require as extensive labeling as the United States, but any information must be accurate and is monitored by the government.

A wide variety of prescription medications are available. You should bring a large supply of any medications you use, along with a copy of prescriptions. If there is a medication you think you may need during your stay in the UK, it’s a good idea to make sure that it is available and what name it is sold under.

You do not need any special vaccinations as a precaution to protect your health during your UK visit; however, to secure a Visa, you will need to be able to prove that all of your basic vaccinations are present and up-to-date, including polio and MMR.

Is Travel Insurance Mandatory for a UK Visa Application

Do us citizens need a visa to visit the uk.

Speaking of a visa, a visa is unnecessary for visitors from the United States and select other countries for tourism for up to six months.

Visa Requirements for UK Tourists from Other Countries

For longer stays or to secure work for a UK employer, then you will need a visa. You will need a valid passport to enter the country. For visitors from EU countries and Switzerland, currently, the UK is working to keep travel visa-free, but as this is an evolving situation, it’s best to check what the latest news is before you leave. Currently, both a passport and a National Identity Card can be used to gain entry. For travelers from other countries, check the  Visa and Immigration page on Gov.uk.

Advice on Insurance Required for Visas:

• Travel Insurance Plans Requirements for Your Visa
• Best Travel Insurance for the Schengen Visa

With this information, you’ll be well-prepared to take full advantage of your time in the United Kingdom. Ensuring you’ll have a healthy and safe stay means you’ll be able to make the most of your time there, for work or pleasure or both.

Health Insurance Plans for Travel to the UK: Short Term / Trip Insurance |  Free Quote / Apply Travel Medical (5 Days to 12 Months)  |  Free Quote / Apply Global Medical Insurance (Long Term / Global Plans)   |  Free Quote / Apply

• Health Insurance for Foreigners in the UK
• Before you leave for the UK (Gov.UK)
• What to Know before moving to the UK (Quora)

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United Kingdom Travel Insurance

What should your travel insurance cover for a trip to the united kingdom, how does travel insurance work in the uk, do i need travel insurance for the united kingdom, how much does travel insurance cost for the united kingdom, our suggested axa travel protection plan , traveling with pre-existing medical conditions , does the uk have any covid-19 restrictions for u.s. visitors, do you need car insurance to drive in the uk, are there any other requirements for traveling to the uk.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for the United Kingdom.

Picture this: You've planned a scenic road trip through the Scottish Highlands, a land of misty glens and ancient castles. You stumble upon the enchanting Fairy Pools on the Isle of Skye. Imagine, a misstep on the slippery terrain, and suddenly you've got a sprained ankle, not the souvenir you had in mind. With AXA Travel Protection, you receive access to our 24/7 emergency hotline.  Speak to a licensed multilingual travel assistance agent, they can help assist and direct emergency transportation if necessary to your location. With an AXA Travel Protection plan, we are here to assist and support you whenever and wherever you may be. Here’s the entire list of benefits travelers can have access to with an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Americans aren't required to purchase domestic or international travel insurance to visit the United Kingdom. But it’s still highly recommended that you have a travel insurance plan before embarking on your next trip. 

Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

In general, travel insurance to the United Kingdom costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the United Kingdom experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring the United Kingdom's stunning landscapes in a rental car. 

Additionally, part of the Platinum Plan is the " Lost Skier Days " benefit, offering potential reimbursement if ski resorts unexpectedly close due to ever-changing snow conditions. These perks make the Platinum Plan an excellent option for anyone seeking comprehensive protection during their exciting United Kingdom adventures. 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

American visitors can breathe a sigh of relief that the UK no longer has any COVID-19 restrictions for visitors coming from the United States. You do not need to fret over getting a COVID test or submit proof of vaccination upon arrival in the UK. 

It’s illegal to drive in the UK without vehicle insurance. This also applies to those driving on an international license, even if it’s only for a brief period. If you are renting a car, however, we strongly recommend you purchase rental car insurance. AXA Travel Protection can help you with that by offering Rental Car Insurance (Collision Damage Waiver.)  This coverage provides extra coverage for your rental car against damage and theft.

American citizens are considered non-visa nationals in the UK. Therefore, they neither require a visa (for short-term travel) nor need to fulfill any other conditions to visit and travel across the UK.

UK Travel Insurance FAQs

1. can you buy travel insurance after booking a flight.

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) 

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

2. Do Americans need travel insurance for the UK?

UK law doesn’t require U.S. citizens visiting the UK for a short time (up to six months) to carry travel insurance. However, carrying international travel insurance for the United Kingdom for unforeseen events is a good idea.

3. What is needed to visit the United Kingdom from the USA?

U.S. citizens only need a passport and a ticket to travel to the UK. The passport must have at least one empty page and validity for the duration of your trip.

4. What happens if a tourist gets sick in the United Kingdom?

The UK has a National Health System (NHS) that provides medical care nationwide.  If a tourist gets sick in the UK, they can get medical care from an NHS center.  However, it’s important to note that while the NHS services are free for the locals, tourists are charged about 150 percent of the cost of their treatment.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Travel Insurance For UK From India

Travel insurance for united kingdom (uk).

Situated off the North-West coast of mainland Europe, The United Kingdom (UK) consists of England, Scotland, Wales, and Northern Ireland. The UK also includes several small islands of the British Isles and is home to historic and modern landmarks alike. From the iconic Tower Bridge in London to the modern marvel that is the London Eye, from the picturesque towns and lakes of the British countryside to the cosmopolitan diversity of London, the UK has a plethora of tourist attractions that are visited by global travellers every year.

Whether you are a mountain lover or a history enthusiast, visiting the United Kingdom ought to be on your bucket list. And, it is important to secure your journey with travel insurance for the UK.

A UK Travel Insurance is an insurance policy designed for travellers visiting the United Kingdom, it serves to offer financial protection to a traveller during their trip.

The key benefits of a travel insurance UK plan

• Travel assistance
• Cover for accident and sickness
• Passport & Baggage Loss Benefit
• Automatic extension of your travel insurance UK plan for 60 days in the event of hospitalisation in the UK
• Cover against personal liability
• COVID-19 Covered

Travel Insurance for UK from India

To ensure that your journey to the United Kingdom is safe, secure, and hassle-free, it is important to have adequate planning. You must make all the travel arrangements and bookings in time and prepare for your trip well in advance, including getting a travel insurance UK plan from India. However, despite thorough planning, you may still face unanticipated circumstances capable of ruining your plans. For instance, the ongoing Covid-19 pandemic has brought international travel to a halt. There are strict travel and entry restrictions in place in most countries, with only essential travel being allowed.

Therefore, it is critical to purchase travel insurance for your UK trip and financially safeguard yourself against any untoward incidents during the trip. Your UK travel insurance can prove to be handy in the wake of any untoward incidents during your trip.

Why Do You Need Travel Insurance from India to the UK?

Life is filled with uncertainties that can derail even the most well-thought-out plans. Therefore, you must consider buying travel health insurance for your UK trip. If you happen to face any unanticipated events prior to or during the course of your stay to and from the UK, having valid medical travel insurance to the UK can prove to be extremely beneficial. For instance, if you fall ill before or during the trip or lose your baggage at any of the airports you traverse on your journey, your UK travel insurance policy can help you escape any financial losses.

Therefore, it is advisable to buy travel insurance for non-UK residents so as to ensure that your trip is financially secured, particularly in the wake of any adverse events. At Tata AIG, we offer a wide range of travel insurance UK plans for you to choose from.

Some of the benefits included in our travel insurance UK plan have been discussed below.

Journey Cover Cover for flight delays and cancellations, hotel booking cancellations, and loss of passport

Baggage Cover Compensation on the loss or delay of check-in baggage

Medical Coverage a. Covid-19 cover for the costs associated with testing COVID-19 positive during the trip b. Travel Health Insurance to the UK to provide financial assistance if you fall ill or get involved in an accident during the trip

Other benefits a. Affordable travel insurance UK policies with a premium as low as ₹40.82 per day b. Instant purchase of online UK travel insurance without needing to undergo extensive health check-ups c. The option to pay in Indian Rupees and get coverage in United States Dollars

For Additional Information If you are a Student Traveling to the UK for your Studies, check our Student Travel Insurance If you are traveling for a Leisure or Business Trip, check our International Travel Insurance

Visa Information for the UK

Along with medical travel insurance to the UK, it is critical to be aware about the UK Visa requirements.

Standard Visitor Visa Indian nationals travelling to the UK can apply for a Standard Visitor Visa that is valid for a stay of up to 6 months. The aforementioned visa can be requested for one of the following reasons.

• Academic pursuits
• Medical reasons
• Visiting friends and relatives
• Getting married, engaged, or entering into a civil partnership
• Joining one's partner or family for an extended stay
• Diplomatic visits

A Standard Visitor Visa can be extended for visits that involve medical or academic purposes, albeit with the payment of an additional fee.

Long-term Standard Visitor Visa For long-term visits to the UK, there are Long-term Standard Visitor Visas available for two, five, or ten years. However, the duration of each visit under a Long-term Standard Visitor Visa cannot exceed six months.

In addition to the visas mentioned above, you can also apply for certain other categories of visas to the UK, including the following.

• Marriage Visitor Visa
• Tier 4 (General) Student Visa
• Tier 4 (Child) Student Visa
• Permitted Paid Engagement Visa
• Tier 2 - Sportsperson Visa
• PBS Dependent - Partner Visa
• PBS Dependent - Child Visa

Documents required for the UK visit visa application

Here are the documents required for applying for a visit visa to the United Kingdom.

• Salary and financial particulars
• Travel itinerary
• Personal information
• Travel history
• Proof of your capability to finance your stay in the UK
• Proof of your ability to pay for air travel to enter and exit the UK
• Proof of your intent to leave the country at the end of your visit

Since the visa application process usually takes three to four weeks, it is advisable to apply for the UK visit visa at least three months before the intended date of travel.

Entry Information for Indian citizens to the UK

Indian nationals travelling to the UK can apply for a visa here.

Here is the process of the UK visa application 1. Apply for the appropriate category of UK visa here. 2. Pay your visa fee online. 3. Schedule a visa appointment 4. Carry the required documents for your scheduled visa appointment.

Documents required for the UK visa interview You should ensure that the following documents are handy whilst attending your UK visa interview appointment. 1. Confirmation of the visa appointment 2. Receipt of the visa application fee payment 3. Valid passport and tickets (if available) 4. A passport-sized photograph 5. Duly signed Print-out of the visa appointment form 6. Duly signed self-assessment form 7. Other visa-category specific documents as applicable

International travel between India and the United Kingdom has now reopened, albeit with restrictions.

Covid Guidelines for Travelling to the UK Here are the present travel guidelines for Indians travelling to the United Kingdom.

• A negative Covid-19 RT-PCR test report not older than 72 hours from the time of arrival in the UK
• A mandatory 10-days quarantine in the UK upon arrival
• A 14-days quarantine in the UK for visitors who test positive for Covid-19 upon arrival in the country

Travel Documents Required while Travelling from India to the UK

There are certain important travel documents that you must carry whilst travelling to the United Kingdom from India. The aforementioned documents are as follows.

• A valid Indian passport
• A pre-approved visa to the UK
• A negative RT-PCR test report not older than 72 hours from the time of arrival in the UK
• Your passenger locator form
• Your confirmed travel tickets
• Prescription for specific medications, if necessary
• Valid travel health insurance for the UK, including Covid-19 coverage.

UK Travel: Safety and Precautionary Measures to be Undertaken

• Keep your passport safe at all times.
• Use official commercial means of transport and avoid seeking private help.
• Respect the country’s laws and regulations.
• Avoid travelling to unfamiliar or remote areas, particularly during the night.
• Do not participate in any unlawful activities.
• Do not violate public decorum through your words, actions, or a combination of the two.
• Protect your belongings, especially when you are in crowded places and tourist hotspots.
• Choose the best travel insurance for the UK to financially secure yourself against any untoward incidents.

Covid-19 specific guidelines:

• Wear a mask over your nose and mouth, particularly while using public transport.
• Practise social distancing.
• Cooperate with the local government and designated authorities by following the Covid-19 guidelines.
• Monitor yourself for Covid-19 symptoms and self-isolate and get tested if you develop any of the symptoms.

The Indian Embassy in the UK

The Indian Embassy in the United Kingdom is located at the following address.

High Commission of India, India House, Aldwych, London, WC2B 4NA, United Kingdom

Contact details of the High Commission :

Website : High Commission of India, London, United Kingdom

Email : [email protected] ;

[email protected]

Telephone number : 00-44 (0) 020 - 78369147

Fax number : 020 - 78364331

Working hours : Monday to Friday, 10 AM to 5 PM GMT

Nearest London Underground Stations : Holborn, Covent Garden, Temple, and Charing Cross

International airports in the UK

There are several major international airports in the United Kingdom, some of which have been listed below.

• Heathrow Airport, London (LHR)
• Gatwick Airport, London (LGW)
• Glasgow International Airport, Glasgow
• Manchester Airport, Manchester
• Edinburgh Airport, Edinburgh

Currency and Foreign Exchange

The currency of the United Kingdom is the Pound Sterling (£), which is commonly referred to as pound, sterling, or quid. It is advisable to carry a sufficient amount of the aforementioned currency before travelling to the UK.

The exchange rate of the Pound Sterling (£) with respect to the Indian National Rupee (₹) keeps fluctuating on a daily basis. Therefore, you must monitor the applicable exchange rate before your visit to the UK.

UK Tourist Places

With a rich history and varied landscapes, the United Kingdom has always fascinated tourists. From the magical castles of Edinburgh to the museums and palaces of London, from the serene mountains and lakes of the British countryside to the Scottish Highlands, there is an abundance of bucket-list-worthy destinations in the beautiful archipelago. And, you can enjoy these places without a hint of worry if you have a comprehensive travel insurance plan for the UK!

Here are some of the places you must visit during your trip to the UK.

London : With one arm nestled deep into history and another welcoming the present and the future, London is at once an architectural relic and a true modern marvel. Home to the iconic Tower Bridge, Westminster Abbey, Buckingham Palace, the Millennium Bridge, London Eye, Big Ben, the British Parliament, the Natural History Museum, and Trafalgar Square, the city is revered as much for its global landmarks as its cobbled streets and quaint cafes.

Edinburgh : The picturesque capital of Scotland, Edinburgh, is a city adorned with historical landmarks and natural wonders alike. Overlooking the city is the ethereal Edinburgh Castle, a living postcard from the thirteenth century. Other notable tourist attractions in Edinburgh include the Royal Mile, the Scottish National War Museum, and the Palace of Holyroodhouse.

Stonehenge : Spread across twenty square kilometres, Stonehenge is a 4,500-year-old World Heritage Site. Revered as an ancient place of worship, the structure is one of the most recognised identifiers of the United Kingdom across the globe. While visiting Stonehenge, you can also go to Salisbury which is home to some beautiful cathedrals and the original Magna Carta.

The Lake District : A visit to Cotswolds and the serene lake district of the British countryside is akin to taking a dive into a sixteenth-century novel set in the region. Home to the counties of Oxfordshire, Warwickshire, and Worcestershire, the area is adorned with idyllic valleys, mountains, lakes, villages, and pastures. North of the region is the beautiful Lake District National Park which has some of the nation's largest lakes.

Loch Ness : No trip to the United Kingdom can be complete without visiting the mythical Loch Ness in Scotland. Anecdotes about the mythical Loch Ness Monster have long captured the imagination of locals and visitors alike. Although you may not find the legendary beast at the serene lake, there is plenty to see in the area, including the ruins of Urquhart Castle, the Loch Ness Centre and Exhibition, and Inverness Castle.

Best Time to Visit the UK

The best time to visit the United Kingdom is either March to May (spring) or September to November (autumn). During spring, most regions in the UK have mild temperatures which are ideal for vacations. Since the summer months of June to August are the busiest from a tourism perspective, it is recommended to plan your visit to the country during spring or autumn.

Visit the UK today and financially secure your international journey with online travel insurance for the UK from TATA AIG Insurance. With our wide selection of travel insurance plans, you can opt for the best travel insurance for the UK for yourself. We offer travel insurance UK plans at a cost as low as ₹40.82 per day. Visit our website to know more about travel insurance for UK visitors and our plans for annual travel insurance for the UK.

Information last updated Jan 21. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How can i get a travel insurance uk plan.

In order to get travel insurance for the UK, you can visit our website and choose international travel insurance. Then you need to enter the necessary personal information and select the extent of the coverage you want. You can add the following features to a basic travel insurance UK plan.

• Medical coverage
• Baggage coverage

After adding the required features to your travel insurance for the UK plan, you must make the payment and complete the purchase. Your travel insurance UK policy will be issued immediately and you can access it through your email inbox.

How much should I pay for a travel insurance UK plan?

The cost of your travel insurance to the UK would vary depending on how long your planned stay in the country is. Several other factors also have a bearing on the aforementioned amount. If you are travelling to the UK with your family, you should select an adequate sum assured in your travel insurance UK plan to ensure that all of you have sufficient coverage during the trip.

Is it mandatory to buy a medical travel insurance UK plan?

Yes, it is mandatory to have valid medical travel insurance to the UK. By purchasing the aforementioned plan, you can ensure that your trip is financially secured.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

Travelling From the UK to the US? Here Are 3 Health Insurances to Know in 2023

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Hopping across the pond to USA is an easy and exciting trip for most Brits, regardless of whether it's for business, to visit friends or family, or to see the famous Times Square, Grand Canyon, or Golden Gate Park And while travelling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the US and other countries worldwide. Our list below explores the four services we believe provide the best deals for young adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats alike.

US Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the US:

Best Travel Insurances for the US

• 01. Should I get travel insurance for the US? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance from the UK to the US scroll down

Is Travel Insurance Mandatory From the UK to the US?

No, travel insurance is not mandatory for travel to, or through, the United States of America from the United Kingdom.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the US or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the USA from the United Kingdom:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for visitors from the UK travelling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the US:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /person /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from the UK with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /person /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for young people or digital nomads from the UK because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travelling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to the US from the UK. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

How do they compare.

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the US? Take a look at the side-by-side chart below:

Data correct as of 14/02/2023

FAQ About Travel Insurance from the UK to the US

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, travel insurance is not mandatory for travel to the USA. However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel to the US. For what's usually an affordable cost, taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to visitors worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the insured, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent tourists.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Your Health To-Do List When Traveling to the UK

Last Updated on January 6, 2024

Health and fitness holidays in the UK have gained immense popularity in 2023. With The Guardian’s  extensive catalog  of wellness travel featuring everything from invigorating running breaks in Scotland to serene mindful walking weekends in Wales, the spotlight on traveling for your well-being has never been stronger. However, as tourists increasingly seek vacations that align with their health goals, prioritizing well-being beyond simple wellness retreats is equally important.

A proactive approach to health ensures you can enjoy the mainland and different islands of the UK without worrying about getting sick along the way. To maximize your health outcomes, preparation must begin long before the first boarding call. Below, we take a closer look at four health to-dos before traveling to the UK in 2024.

Update your vaccines

Traveling increases your chances of spreading diseases that are rare in your home country. Hence,  updating your vaccines  is not only a preventive measure for your well-being but also a responsible action to protect the communities you visit.

For example, there are routine vaccines that are recommended for anyone going to the UK, such as chickenpox, shingles, or the flu. You can always have additional vaccines for certain conditions if you think you’re more likely to be exposed to them. For instance, hepatitis A vaccination is recommended for travelers who plan to visit smaller villages and rural areas. Otherwise, it’s crucial to check for any travel health notice regarding current health issues in your destination. As of September 2023, the UK was placed under Level 2 Practice Enhanced Precautions for poliovirus, so it would be wise to be up to date on your polio vaccines.

Check your eye health

Vision health can significantly impact your adventures. Yet, the process of safeguarding your eye health can vary across different locations. For one, eyeglass wearers who lost their glasses may struggle to find a new pair in rural areas, leading to blurry and uncomfortable vision for the rest of the trip. In that case, it’s best to have spare eyeglasses on hand.

However, there are various accessible options for vision care. If you need to immediately replace your eyewear, then you can find affordable options for different types of  glasses  at eyewear retailer Glasses Direct, with deals such as 2-for-1 designer frames from £69 (approximately $88). This can be ordered online and delivered directly to your accommodations. If you need a new prescription, then you can easily book an eye test at the multiple branches of Asda Opticians or Vision Express. You might also qualify for a free eye test from the NHS in Scotland as an overseas visitor, so try to register with a general medical practice as soon as you arrive at your destination.

Check your oral health

Maintaining good oral health is vital on international journeys, especially longer trips. Similar to eye health maintenance, however, this process can be a little difficult in a new location. This can be particularly challenging in the UK, which has had a  shortage of dentists  since 2021, with dental tourism at record highs. In fact, UK-based consultancy Medical Travel Market received over 1,500 inquiries in 2023, up more than 450% from 2022.

Thus, consulting with a dentist before any extended trip is crucial, especially for those with ongoing treatments, such as braces or retainers. Your dentist may need to adjust your braces to a safer setting before your travels or equip you with an extra retainer. These will help you avoid the inconvenience of seeking orthodontic treatment during your travels. If it comes down to it, then you may have to find a private clinic in the UK or line up for NHS dental services if eligible.

Secure travel insurance

As you embark on the journey of a lifetime, it’s crucial to have a safety net in place. Factors such as trip duration or destinations should be taken into account when securing  travel insurance . For instance, annual contracts normally cover up to 30 days maximum, whereas backpacking insurance can range from three months to a year. A helpful tip: most travel insurance comes with a deductible that you must pay beforehand. Clarify this policy when making any purchase.

That being said, take your time to compare several insurance companies, then, upon your selection, inform your provider about your travel plans. Understanding your coverage for medical emergencies, trip cancellations, and unexpected events will provide peace of mind throughout your journey.

By prepping in advance, you lay the foundation for a journey to the UK filled with memorable moments and peace of mind. Remember, taking care of your health is not only a personal responsibility but also a commitment to fostering a healthier global travel community.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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