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UK Travel Health Insurance

If you’re planning on visiting the UK, you are advised to take out travel health insurance in order to cover potential healthcare costs during your stay.

For more information about your visit to the UK, don’t hesitate to get in touch with one of our trusted legal advisors today on  0333 305 9375 , or contact us  online .

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Who Needs Travel Health Insurance When Visiting the UK?

If you’re planning to visit the UK from a country outside the European Economic Area (EEA) for less than 6 months, it is recommended that you take out valid travel insurance cover for the whole duration of your stay to help pay for medical care.

If you’re visiting from the EEA, you are entitled to free healthcare with a valid European Health Insurance Card (EHIC), Provisional Replacement Certificate (PRC) or S2 form.

However, it is also advised that you take out travel health insurance in case of other unexpected expenses and incidents that may occur during your visit, such as repatriation costs or lost or stolen property.

If you’re staying in the UK for more than 6 months, you will have to pay the  Immigration Health Surcharge (IHS)  unless exempt. You will normally have to pay the fee for the IHS when submitting your visa application for your stay.

Paying the IHS allows you to access NHS services. However, it may still be advisable to take out private health insurance on top of that for other services not covered by the IHS during your stay in the UK.

Why Should I Take Out Travel Health Insurance When Visiting the UK?

Travel insurance is an important part of any trip, especially if you end up requiring unexpected medical care during your stay.

If you are visiting the UK from a non-EEA country, you will be charged at 150% of the standard NHS rate if you have not arranged insurance. As a result, it’s essential that you purchase travel insurance with medical cover before travelling to the UK so you can reclaim any healthcare costs you are required to pay from your insurer.

Travel insurance is also important as your pre-existing health insurance policy may not cover you outside of your home country, or its international coverage may be limited.

In addition, there is also the possibility of falling ill unexpectedly, suffering accidents, illness, or needing medical care because of pre-existing conditions.

Travel health insurance may also help to cover costs if your travel or accommodation plans change unexpectedly or if you misplace important documents such as your passport or airline tickets. Many insurance policies will provide you with assistance with these matters as well as reimburse you if there will be any financial costs incurred.

What Should My Travel Health Insurance Cover?

Your travel health insurance to the UK should cover most of the following:

• Emergency medical expenses, including ambulance, medication and hospital fees
• Medical treatment for pre-existing medical conditions
• Personal injury  and accidents
• Repatriation costs
• Reimbursement for any unused travel and accommodation costs should your trip be cut short
• Cover for lost or damaged items, including luggage, passports, credit cards, money or airline documents
• Emergency legal aid and translation services
• Assistance in finding suitable medical facilities in the UK

It’s important to check that the travel insurance cover necessary travel and healthcare needs to make sure you can get the treatment and medical care abroad during the period of your visit.

Insurance is particularly important for those with pre-existing medical conditions. You must tell your insurance company about any pre-existing medical conditions you have to make sure you can get the cover you need. In some cases, you may have to take out specialist cover rather than standard cover for this.

It’s advised to speak to your doctor for advice before you travel and make plans for how to care for your condition when you are in the UK. You should also bring your health condition identification or a letter saying what medication you are taking.

What Isn’t Covered By Travel Health Insurance?

Travel health insurance policies often have exclusions, which are specific situations or circumstances that will not be covered by the insurance policy.

For example, not declaring your pre-existing medical condition to your insurer will mean that you won’t be able to claim for medical care related to your condition during your trip.

In addition, you likely won’t be able to claim back costs if you do any of the following:

• Travel against government advice, such as if the country you’re travelling from places an active travel warning on the UK
• Travel despite known events, such as natural disasters or pandemics
• Incur losses due to carelessness or lack of reasonable safety measures, such as leaving your belongings unattended in a public place
• Engage in reckless behaviour, such as ignoring safety protocols, safety instructions, or if you injured yourself under the influence of drugs or alcohol
• Break the law, such as violating local traffic laws

In addition to these, if you cancel or change your plans for any reason not listed in your base plan, you won’t be able to claim the costs on your insurance.

However, most insurance providers will provide an optional Cancel For Any Reason coverage to your policy that will allow you to change or cancel plans for any reason and claim back some or all of the money.

It’s essential that you familiarise yourself with the details of your insurance policy carefully before setting off on your trip to the UK. Many travel health insurance policies have strict guidelines on what they do and do not cover, so it’s important to know what these are in order to prevent unexpected costs during your trip.

What Else Should I Look For When Taking Out an Insurance Policy?

As previously mentioned, it’s essential that your insurance policy covers any essential travel and medical expenses that may be incurred during your visit to the UK, especially if you have a pre-existing medical condition.

In addition to this, you should also consider the following:

Who You’re Travelling With

If you’re travelling with other people, it may be cheaper and more convenient to get a single insurance policy that covers the whole party rather than individual policies for each person.

For example, many insurance providers offer travel health insurance for couples, families, or groups of friends.

Note that if a person in your party has a pre-existing medical condition, they may require their own individual specialist cover separate from the rest of the group due to differences in coverage plans.

You may find travel health insurance more expensive if you’re over the age of 65. As a result, you may have to look for specialist policies for older travellers to ensure that you have the coverage you need.

Sports or Recreational Activities

If you plan to take part in sports or recreational activities, you will need to ensure that your travel health insurance covers these. This is especially the case if they’re considered to be high-risk activities, such as surfing, BMX, scuba diving, or winter sports.

Method of Travel

It’s worth noting that some methods of travel such as cruises or budget airlines may be excluded from certain travel insurance policies. You should always make sure that your method of travel is covered by your policy, in case of unexpected delays, cancellations or complications.

Add-ons and Extensions

You may wish to purchase additional add-ons or extensions to your travel health policy. For example, if you’re bringing a lot of expensive gadgets or equipment with you to the UK, you may want to purchase extra gadget cover as part of your insurance policy.

Additionally, you may want to add on additional Cancel For Any Reason cover if you want greater freedom and flexibility in being able to change or cancel your travel plans for reasons not covered by your base policy.

Do I Need Single Trip Cover or Annual Multi-Trip Cover for my Trip?

You can buy either single trip cover or annual multi-trip cover before your departure.

Single trip cover only grants you insurance coverage for a single holiday. Your coverage can start either as soon as you book the holiday or the date of your departure, and will end as soon as you come home.

Meanwhile, annual multi-trip insurance grants you coverage for every single trip you take within a 12 month period. The trips you take during this time may be limited to a certain length of time – for example, 31 days.

It may be cheaper to get annual multi-trip cover if you’re planning to go on several trips in a 12 month period. However, if you’re not planning on making many other trips other than your single trip to the UK, it may be cheaper to stick to single trip cover.

If you’re unsure about how many trips you might take in the next 12 months, it may be cheaper and easier to take out an annual multi-trip policy so you know you are covered if you do decide to go abroad.

It’s always best to carefully examine your own circumstances and plans to see which specific type of cover will be more cost-effective and suitable for you.

When Should I Buy Travel Health Insurance?

It’s usually recommended to buy travel health insurance as soon as you’ve booked your trip, or as soon as you’ve made a financial commitment towards it.

This is because it’s best to be covered in the event of your trip being cancelled prior to your departure. Having a valid travel insurance policy will protect you in case any of the following happens:

• Your trip is cancelled due to weather, or other uncontrollable circumstances
• You have to cancel your trip due to personal reasons, such as a bereavement
• You become too ill to travel
• You’re made redundant before your trip

If any of these happen, it may be the case that your insurer could cover some or all of the costs of your trip.

If you’ve left it late to buy travel health insurance before your visit to the UK, it’s still worth looking for insurance providers who will be able to provide you with quick and immediate cover. You just need to ensure that you’ve not yet left home for your trip and that the insurance policy covers everything you need for your visit.

How Much Does Travel Health Insurance Cost?

How much you will have to pay for travel health insurance depends greatly on a number of factors, such as your age, your health, the length of your trip and the complexity of the cover you need.

The specific figures you’ll pay for your insurance will vary based on your country of residence and the insurance company you choose.

Note that the information below uses British travellers buying insurance for trips away from the UK as an example.

The difference between a single trip and annual multi-trip insurance can be reasonably small. For example, British travellers travelling to Europe may pay around £9 for single trip cover but around £12 for annual multi-trip cover.

The average price for older travellers is also much higher. The average price of a single trip cover for British adults travelling to Europe in their 30s, 40s or 50s maybe around £11. However, this figure jumps up to around £30 for people in their 70s, and over £100 for people in their 80s.

How comprehensive your insurance coverage is will also affect the price. A policy that offers higher levels of coverage will cost more than a policy with basic level coverage, as well as offering lower levels of excess.

For British travellers taking our multi-trip cover to Europe, a cover with £1,000 worth of cancellation cover will cost around $17. For £2,000 cancellation cover, this price rises to around £24. For £3,000, it rises again to around £32.

These prices also rise in a similar way when buying couples, group or family travel health insurance cover.

You will also have to pay additional costs on your insurance policy if you have a pre-existing medical condition or choose to add optional extra cover such as for gadgets, winter sports and Cancel For Any Reason coverage.

Which NHS Services Are Free for Visitors?

When you visit the UK, you will be able to take advantage of certain NHS services that you don’t have to claim for on your travel health insurance.

As a result, you will not need to claim on your insurance if you take advantage of these services during your visit. These include:

• A&E services (not including emergency medical treatment if admitted to hospital)
• Family planning services (not including abortions or infertility treatment)
• Treatment for most infectious diseases, including sexually transmitted infections (STIs)
• Treatment required for a physical or mental condition caused by torture, female genital mutilation (FGM), domestic violence or sexual violence (does not apply if you have come to the UK to seek this treatment)

In addition, if you’re visiting the UK and need to see a GP, you can register as a temporary patient with a local GP practice.

You will need to be in the area for more than 24 hours but less than 3 months in order to do this.

However, it will be up to the GP practice whether to accept new patients, even if you’re only looking to become a temporary patient.

Other NHS services, such as hospital treatments and prescription medicines, are not free without a valid EHIC, PRC or S2 form or if you’re from a non-EEA country. You should consider travel insurance packages that provide cover for such medical costs and others outside the NHS services.

For assistance with with your visit to the UK, contact us today.

How Can IAS Help?

If you’re planning to travel to the UK, it’s essential to ensure that you have the right coverage to help assist you in the event of accidents, injury or unexpected incidents.

If you have any questions about your trip to the UK, including what type of insurance you need, what type of healthcare you’re entitled to, or what to do in the event of an emergency, IAS is here to help.

We are specialists and immigration lawyers who specialise in advising visitors to the UK as well as assisting them to obtain the right permits and visas and travelling to the UK. We can help advise you on how to get the right insurance cover for your trip, as well as any other concerns you may have about your visit to the UK.

For more information, don’t hesitate to get in touch with one of our trusted legal advisors on  0333 305 9375 , or contact us through our form  online .

We can help you if you need help with your visit to the UK.

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UK travel insurance for Pakistan travelers

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Travel insurance for uk.

The UK has long been an appealing travel destination as well as a country of immigration from Pakistan. The UK is mesmerizing for its natural landscapes, fascinating ancient history, world-class art galleries, the most popular Buckingham Palace, several Castles and adventurous attractions across the country has made the United Kingdom an attractive destination.

Pakistan and the UK have long standing cultural and bilateral ties. The British Pakistani community has grown from 10,000 in 1951 to over 1.5 million by 2016. There are several Pakistanis living in the UK for work, business and studies. According to the 2021 census there were approximately 181 thousand Pakistanis nationals residing in the UK.

Travelers from Pakistan to the UK should be aware of the costly private health care system for those not under the NHS system. Tourists are not eligible for the free NHS service while in the UK. An unanticipated medical or travel emergency while overseas can cause serious financial need if the visitor is hospitalized. Healthcare in the UK is expensive

Without insurance the entire trip might land up in a disaster. To avoid these issues visitors should purchase good travel insurance for safe travel. American visitor insurance offers customers with some of the best UK travel insurance options. For more details call our customer service or email us and we will be glad to help you.

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Select the type of travel health insurance for visiting UK...

Travel insurance for quarantine coverage.

• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

Best travel insurance

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• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses
• US travel health insurance for US citizens outside USA
• Available up to 364 days
• Offers maximum coverage up to $1,000,000
• Travel Medical Plus insurance offers coverage for expenses related to COVID-19
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

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• Ideal for US expatriates and for those global citizens living and working outside their home country.

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Annual travel plans.

• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Offers coverage for covid19 illness.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• The applicant must be aged between 14 years and 75 years at the time of applying.

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While travel insurance was a mandatory requirement for some countries during the Covid pandemic, it is not mandatory now in the United Kingdom. International travel insurance can however provide travelers coverage for unexpected medical and travel emergencies along with insuring the trip costs and health of the traveler. Travel insurance is very important for safe travel, especially during the coronavirus pandemic that is causing a devastating situation to international travelers all around the world.

What does International travel insurance cover in the UK?

An international travel insurance plan offers coverage for Health care expenses, Doctor visit, Pharmacy drugs, acute onset of Pre-existing conditions, Medical evacuation and repatriation of remains

Does the NHS cover treatment for Pakistanis?

The NHS is the healthcare system for UK residents in the UK. It however does not provide coverage for international tourists. Pakistan citizens traveling to the UK should get proper travel insurance to shield them from healthcare expenses in the UK.

What are the best travel insurance policies for the UK?

A travel insurance that offers the visitor with complete coverage according to the travel requirements is best. A comprehensive travel insurance plan offers a wide range of cover to the travelers. Travelers can compare from the different travel insurance plans available and buy the plan that fits the travel needs.

Where is the best place to buy travel insurance for the UK?

There are several websites to buy international travel insurance, with American Visitor Insurance being one of the more popular options. The process is very easy and simple and travelers can compare different travel insurance plans using the comparison tool and make an informed decision.

UK - General Information  

Uk - general information.

London , Wales , Manchester , Scotland , Northern Ireland , England , island, Edinburgh.

  English, scots, Irish...

Around 67.2 million

Pound sterling

September to November

Regions of United Kingdom

Northern Ireland

Isle of Man

Saint Helena

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You can find reliable international insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

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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)
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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.

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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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WHY BUY TRAVEL INSURANCE?

Once you buy travel insurance, you are covered for these incidents

Accidental Death & Permanent Disability

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Loss or theft of Checked-in baggage

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QUESTIONS YOU MAY HAVE

Why do I need Travel Insurance?

Some travellers experience a major financial set-back due to unexpected medical emergency costs or other unforeseen incidents with regard to flight booking or luggage theft. Having a travel insurance will protect you from these losses and ensures that your insurance company pays for such losses associated with travelling abroad.

What is the Process?

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Travel insurance

Travel Insurance Pakistan

Standard Cover

• Flexible cover levels up to £7,500
• Covid Cover For Cancellation, Medical & Repatriation
• 24/7 Worldwide Emergency Medical Cover
• Optional Upgraded Phone and Gadget Cover
• Up to 91 days cover on single trip

Enhanced Cover

• Better Value For Severe Medical Conditions
• Covid Cover for Cancellation, Medical & Repatriation Available
• No Upper Age Limit
• Secure Online Screening Process
• 1000s Of Medical Conditions Covered

Terms and conditions apply. Always check our policy wording before purchasing to make sure our cover is right for you.

If you’re looking for travel insurance Pakistan then don’t hesitate to get a fast online quote now.

Emerald Life was started as a fresh take on the insurance industry that puts equality and diversity at its core.

Visit our online quote form and see how much you could save on travel insurance for Pakistan today.

Table of Contents

Healthcare for Brits in Pakistan

It’s a good idea for UK citizens to check with NaTHNaC (National Travel Health Network and Centre) at least 2 months before their trip to Pakistan.

They offer vaccine recommendations and the latest news on outbreaks and other health risks as well as factsheets that contain useful information for staying healthy during your travel.

Note that the government of Pakistan does not offer free medical care for Brits in Pakistan. This means that without travel insurance, you’ll have to pay for medicines, doctor and hospital fees out of pocket. And hospitals or medical centres may want to see proof of ability to pay upfront.

As you might imagine, these unforeseen expenses can be significant, which is why it’s important to ensure that you get sufficient travel insurance before you leave on your trip.

If you take prescription medication for an existing health condition, the NHS recommends that it’s also a good idea to get in touch with the embassy of Pakistan for assurance that you can safely bring those medicines with you inside the country.

You’d also want to make sure that you bring a note from your doctor verifying that you need the medicine to manage an existing health condition.

You can check the NHS website for advice on pertinent vaccinations and health checks for more information.

What About Pre-Existing Medical Conditions?

• Many medical conditions covered

Over 75/Serious Medical

• Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
• Up to a high level of severity and even a terminal prognosis
• chemotherapy or radiotherapy
• Mental health conditions

As is usual with UK travel insurance, you need to disclose any pre-existing medical condition you have to your policy provider, unless you have been told specifically by your insurer that you do not need to declare that condition.

While this means that you may have to pay more to obtain travel insurance for Pakistan – although not all pre-existing conditions result in an increase in premium- , it’s better than falling ill during your travel (related to your pre-existing medical condition) and being denied coverage.

Insurance providers typically offer free screenings for thousands of medical conditions and provide ample coverage to offset the cost of repatriation and medical care while abroad.

While it’s unlikely that you’ll get injured or fall victim to a crime if you confine your activities to safer regions in the country, it’s best not to take any chances and obtain a suitable single or multi-trip travel insurance policy before your departure.

Make sure you disclose all pre-existing medical conditions that you are required to do so when applying for travel insurance for Pakistan. Doing so would help ensure that you don’t run into any problems should you need to file a claim.

The human body is an incredible work of evolution and as such there are plenty of things that can go wrong in both the short and long term.

For that reason it can often be difficult to understand what constitutes a medical condition that you have to declare to your travel insurance provider.

However, in general, the insurers’ questions will tend to follow the same general lines, such as:

Have/are you or anyone in your party:

• taken any prescribed medication, or received any medical treatment in the last 2 years;
• attended a medical practitioner’s surgery, or hospital or clinic (out-patient or in-patient) in the last two years;
• awaiting medical treatment or investigation;
• been diagnosed by a medical practitioner as suffering from a terminal illness.

All medical conditions you have must be disclosed as well as any previous medical conditions if they could have an impact on your current health.

So, while it is vitally important to declare what you need to declare, your policy provider will let you know if your pre-existing condition is not a factor for your trip cover.

For example, here at Emerald Life, we don’t require clients to disclose their HIV status for as long as they meet the following conditions:

• They have been on antiviral treatment for no less than 3 months.
• They have not been advised to switch to a different/new type of antiviral regimen.
• If their CD4 count is above 350 or they have been advised by a doctor that CD4 monitoring is not necessary.
• They have an undetectable viral load or less than 50ppm.

Note that non-declarable conditions can vary from one policy provider to another. It’s ultimately up to the insurance company to decide which pre-existing medical conditions are exempted from disclosure and set pertinent conditions for the exemption. However, Emerald leads the field on some of these.

What to Look For When Shopping for Pakistan Travel Insurance

At this point, you probably already have an idea of just how important it is to obtain Pakistan travel insurance before you travel to Pakistan (whether multiple or a single trip cover).

This begs the questions — what factors do you need to keep in mind before buying travel insurance?

Well, the answer doesn’t need to be all that complicated. After all, the purpose of travel insurance is to give you peace of mind while you enjoy the sights and wonders that Pakistan has to offer. For that, you can focus on a few essential factors:

Repatriation and Medical Cover

• Medical Up to £10 Million

The most important part of any travel insurance policy is emergency medical expenses cover. Typically ranging from £5 million to £10 million – the higher in our case – this covers your costs if you become ill or injured abroad and require medical treatment.

Medical expenses should include repatriation cover so that if your condition means you have to return to the UK urgently then there is cover for transporting you along with any necessary medical equipment and staff. Unsurprisingly, these costs can be staggering.

Before you leave for Pakistan, it’s important to ensure that your travel insurance policy offers enough coverage to pay for emergency medical services and repatriation back to the UK.

Here at Emerald Life, we provide coverage of up to £10,000,000 with our Pakistan travel insurance.

Travel Insurance Pakistan Cancellation and Curtailment Cover

Silver - Up To £1000

Gold - Up To £3000

Platinum - Up To £7500

Silver - Not Covered

Gold - Up To £2000

Platinum - Up To £5000

If you are ill or injured before you travel then you may have to cancel your trip. Some policies will also cover you if a close relative is ill or injured, or your home is burgled, and you have to cancel as a result.

If you expect to make multiple trips to Pakistan in a given year, you can probably secure a better deal if you sign up for annual multi-trip travel insurance.

An annual policy will help you save time since you don’t have to reapply before every departure. More importantly, annual multi-trip insurance cost is bound to be cheaper than obtaining numerous single trip policies over the course of a year.

Pakistan Travel Insurance Luggage Cover

Luggage can get lost during transit, and if that happens, it’ll be a major inconvenience in your travel plans. That’s why you need travel insurance that will reimburse you for the trouble should it happen.

For luggage delays of more than 24 hours, Emerald Life offers baggage cover which serves as compensation for the inconvenience and covers the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified

If the luggage is lost (missing for more than 21 days), you’ll be paid the amount stipulated in the luggage cover for the accidental loss, damage or theft of your baggage and personal effects, up to the amount specified.

Travel Insurance Excesses and Exclusions

Silver - £100

Platinum - £35

Silver - £500

Gold - £150

Platinum - £0

While it can be tempting when buying travel insurance to just look at the final price, it is important that you check any excesses you have to pay.

That is because some cheap policies will have very high excesses which means any claims could be very expensive despite having the insurance. Sometimes excesses are so high it might not even be worth claiming.

Therefore, make sure you buy a Pakistan travel insurance policy that balances a good price with reasonable excesses. Also, there may be other exclusions that reduce the premium precisely because payouts are limited. If you need travel insurance, then it is advisable to make sure that you have the best cover you can afford.

Most travel insurance policies will also include different excesses for different types of claims and you can find these in your policy documentation, but generally the medical excess is the most significant.

Do You Need Insurance to Travel to Pakistan?

It can be argued that the real question is — can you afford not to have Pakistan travel insurance when you leave for Pakistan?

Again, tourists have no free access to healthcare services when visiting the country, and private medical care can be costly.

Pakistan travel insurance should cover the cost of medical treatment if you fall ill or become injured during your travel.

While no one expects to get sick or become injured while holidaying in Pakistan, accidents can happen. If things go south, it’s always helpful to know that you have travel insurance to rely on.

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• Date of birth Note! If any of the traveler is above 64 years old, apply for an individual travel policy for them. Family includes You,Spouse and up to 4 children (below 18).

Benefits of Travel Insurance

Travel insurance is necessary for any international trip to provide financial protection in the event of unexpected medical emergencies while abroad. Smartchoice offers a comparison of the best travel insurance options in Pakistan from top providers, ensuring you receive the best price and comprehensive medical coverage for destinations such as Schengen, UK, USA, Turkey, and worldwide.

Some of the key benefits

Enhanced medical coverage of up to US$100,000

Schengen-compliant insurance policies

Comprehensive protection for trip cancellation and delayed departure

Coverage for loss of baggage and passport

Refundable in an event of trip cancellation

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Travel Insurance Guide

Travel insurance provides protection against a variety of unforeseen events during your travels, including medical emergencies, loss of passport or luggage, delayed departure, and more.

Simply enter your travel dates and other relevant information on our website. Compare plans from different providers and conveniently buy online using various payment options.

You can make payments via Credit/Debit Card, Bank transfer, or COD (cash on delivery).

Upon recieving payment, your travel insurance policy will be available in your email inbox in 60 minutes or less.

It's always wise to save money, especially when going on vacation. Instead of spending a fortune on your insurance policy, consider using smartchoice.pk. It allows you to search and compare insurance companies at once, instantly providing you with the best quotes. You can then purchase your travel policy directly from the website.

When making a travel insurance claim, ensure you have your important documents with you. Contact your insurer immediately and provide them with details of the incident. You will be sent a claim form or can download it from the insurer's website. Act promptly, as there is often a deadline of 31 days. If you require medical treatment abroad, seek authorization from your insurer beforehand.

In the event of theft or other crimes while on holiday or a business trip, contact the police within 24 hours of the incident. Your insurer will likely require a police report or crime reference number to process your claim. For lost or stolen personal belongings, you may need to provide receipts as proof of value and ownership.

Keep in mind that your policy has a maximum coverage limit for each type of claim. Additionally, certain activities, such as injuries caused by intoxication or participation in hazardous sports, may not be covered.

Yes, you can extend your travel policy while traveling. However, certain requirements must be met, such as not having made any claims prior to the extension request. The provider may also require an authorized letter from a physician stating that the insured is in good health. Additionally, a declaration from the person requesting the extension is necessary. If approved, extra charges will apply for the extended days, not exceeding a total of 90 days.

Yes, you can easily purchase travel insurance for your parents, even if you are residing abroad and they are traveling from Pakistan. Many insurance companies offer coverage on a country-by-country basis. It's important to find the right insurance policy for your parents, and keep in mind that premiums may increase for individuals over the age of 64.

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Do you travel often? Are you amongst those who are always on the go? Whether it’s a luxury trip or a short business trip, we have got it all covered for you. Jubilee Life has partnered with Jubilee General to provide you an amazing travel cover. As a cherished part of our Saffron Club, you can enjoy a comfortable trip to anywhere in the world with no odds ruining your way. This plan not only protects you in case of unforeseen like theft, loss of baggage but also benefits if there is an unexpected delay or cancellation of trip.

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• Passports, travel and living abroad
• Travel abroad
• Foreign travel advice

Before you travel check that: 

• your destination can provide the healthcare you may need 
• you have appropriate travel insurance for local treatment or unexpected medical evacuation 

This is particularly important if you have a health condition or are pregnant.

Emergency medical number 

Dial 1122 and ask for an ambulance. 

Contact your insurance company promptly if you’re referred to a medical facility for treatment. 

Vaccinations and health risks 

At least 8 weeks before your trip check: 

• the latest information on vaccinations and health risks in TravelHealthPro’s Pakistan guide  
• where to get vaccines and whether you have to pay on the NHS travel vaccinations page  

Polio vaccination programme 

Pakistan is rolling out a widespread Polio vaccination programme in an effort to eradicate Polio. You should provide proof of Polio vaccination if asked by a vaccination team. Any exemption due to a medical condition needs to be supported by a medical certificate issued by recognised health authority  

Altitude sickness 

Altitude sickness is a risk in parts of Pakistan, including Gilgit-Baltistan. Read more about altitude sickness on TravelHealthPro . 

Bottled water 

Take care when buying bottled water and follow advice on TravelHealthPro . A recent Pakistan government report on bottled water found that a number of bottled water brands were contaminated. 

Medication 

The legal status and regulation of some medicines prescribed or bought in the UK can be different in other countries. 

Read best practice when travelling with medicines on TravelHealthPro . 

The NHS has information on whether you can take your medicine abroad . 

Medical supplies may be difficult to find in Pakistan due to restrictions on imported goods.   

Healthcare facilities in Pakistan 

FCDO has a list of English-speaking doctors in Pakistan . 

The standard of local medical facilities is lower than in the UK, especially in remote areas. Private medical care is expensive but available in all major cities. Specialised treatment for psychiatric illnesses may not be available outside major cities.  

COVID-19 healthcare in Pakistan 

Contact the COVID-19 helpline on 1166 if you have symptoms.

Travel and mental health 

Read FCDO guidance on travel and mental health . There is also mental health guidance on TravelHealthPro . 

Related content

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Top Travel Insurances for the UK You Should Know in 2024

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.

The United Kingdom is a world-renowned travel destination, known for its history, culture, and iconic landmarks such as Buckingham Palace, Big Ben, and the British Museum. Although travelling to the UK can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

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

UK Insurance Profile

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

Best Travel Insurances for the UK

• 01. Should I get travel insurance for the UK? 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 to the UK scroll down

Heading to the UK soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for the UK?

No, there's currently no legal requirement to take out travel insurance for travel to or through the UK.

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 United Kingdom 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 UK:

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 travellers going abroad to the UK. It lets you choose between various plans tailored to meet the specific needs of your trip to the UK, including coverage for medical emergencies, trip cancellations, and travel disruptions. 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 UK:

• 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 /traveller /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 very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance 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 /traveller /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 younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind 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 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to the United Kingdom

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, you'll not be required to take out travel insurance for the UK. However, we strongly encourage you to do so anyway, because the cost of healthcare in the UK can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

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 travellers 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 traveller, 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 travellers.

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

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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