travel insurance and breakdown cover

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• Barclays insurance

Barclays travel and breakdown insurance

Travel and breakdown packs.

Travel Pack

Get cover for £14.50 a month.

Stay protected with worldwide family travel insurance by Aviva, plus RAC complete breakdown cover in the UK and Europe, roadside and at home.

Six-month minimum term –  terms and conditions  apply.

Travel Plus Pack

Get cover for £22.50 a month.

Comes with everything included in our Travel Pack, plus:

• Discounted fast-track security at airports
• Six free airport lounge visits per year with the DragonPass Premier+ app
• 24/7 digital concierge service from Ten to help you plan unforgettable travel, dining and entertainment.

Six-month minimum term –  terms and conditions  apply. 

Breakdown Cover Pack

Get cover for £9 a month.

Get complete peace of mind with RAC UK roadside and at home breakdown cover for you and one other member of your household.

Your travel insurance

You can view frequently asked questions, make a claim, request a call back from Aviva and get proof of travel insurance – all online.

If you’re finding it difficult to get cover for pre-existing medical conditions at a price that’s right for you, you may be able to get cover from a specialist medical insurer instead.

The Government’s MoneyHelper Service provides a directory of specialist insurers that may be able to cover your medical conditions. To access the directory please visit traveldirectory.moneyhelper.org.uk or call 0800 1387 777 

Protect your tech

Get mobile phone and gadget insurance for £14.50 a month with our Tech Pack. It lets you take care of up to four mobile phones and unlimited gadgets, each bought for a maximum, non-discounted price of £1,500. 

Travel insurance documents

If you already have one of our Travel Packs, here’s where you can read your policy documents, and terms and conditions.

Breakdown cover documents

If you already have one of our Travel Packs, here’s where you can read the breakdown insurance summary, and see what is and isn’t included in your policy.

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Barclays Bank UK PLC and Barclays Bank PLC are each authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.

Registered office for all: 1 Churchill Place, London E14 5HP

European Breakdown Cover

• Why Choose Eversure
• Feefo Reviews
• Breakdown FAQs
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Our Eversure European Breakdown Cover policies have been designed to help protect you against the costs incurred in the event of a breakdown of your vehicle whilst driving in Europe.

European Breakdown Cover offers full roadside assistance and recovery from your front door all the way across Europe, and back again. Cover for Single trip is available for trips lasting 1 day upwards, and annual policies cover multiple trips up to 90 days each time. We offer cover for onward travel, including a replacement vehicle and accommodation where appropriate. We will reimburse you fees if you breakdown on a European motorway, and if required we will repatriate your vehicle up to its market value.

What is European Breakdown Cover?

Simply put, European Breakdown cover is insurance that provides you with cover in Europe, including the UK.

Having cover in place for your next European road trip can help prevent big problems should you run into difficulties whilst driving abroad.

Breakdowns in the UK can be stressful enough, but if your break down whilst in a different country it can become incredibly difficult to resolve without breakdown cover in place.

Which European Breakdown Cover is Right for Me?

Our European breakdown cover can be split into two different kinds of policies, single trip and annual.

To find out which is right for you, we’ve put together a guide to help you decide:

Single Trip

For people who are travelling to Europe as a one off and aren’t likely to be going again any time soon, single trip European breakdown cover may be right for you.

This is one-off cover designed for people who don’t usually travel abroad much and need breakdown cover for a few weeks or so whilst they’re in Europe.

For more info, head to our single trip European page for all the answers

If you plan on travelling to Europe every year, or even multiple times a year, then annual European cover sounds like the best option for you.

This is cover that renews each year and provides you with total European cover through the entire calendar year.

With annual cover, you only need to pay a one-off payment each year and be happy in the knowledge that you’re sorted for the year and won’t need to think about it again.

Which Countries Will I Be Covered In?

Our European breakdown cover will provide protection for your vehicle in the following European countries and principalities:

Albania, Andorra, Austria, Balearics, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Isles, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, the United Kingdom and Vatican City.

What is Included in European Breakdown Cover?

European Breakdown Cover provide some unique benefits that simply aren’t available with UK breakdown cover, most noticeably, motorway fees cover. We’ve outlined some of the major benefits of European breakdown cover below:

• Roadside Assistance

Just like with UK breakdown cover, our European cover provides roadside assistance as standard. So whether your cruising down the autobahn in Germany, or weaving your way through the vineyards of Bordeaux, help will be at hand should you break down.

Onward Travel

To help get you where you need to be, onward travel can be a huge help if you’ve broken down in Europe. If repairs to your vehicle are taking a while and you would like to complete your journey, having onward travel can be really useful whilst abroad, especially if your holiday has only just begun.

Alternative Accommodation

Our European policies can even provide you with overnight accommodation if repairs aren’t progressing quickly, so you and your family can stay in a local hotel while you wait and be reimbursed (up to a certain amount) for the rooms you used.

Repatriation

In very rare circumstances, if the repairs to your vehicle are complicated and all other options have been exhausted, then you or your vehicle may be repatriated home to complete repairs there.

This is usually the last throw of the dice when it comes to European breakdown cover – it hardly ever happens, but you’ll be glad it’s there if you’re ever unlucky enough to be in this situation!

Motorway Fees

Motorway fees cover is unique to European breakdown policies. In some countries, if you break down on the motorway you’ll be charged to call out a special recovery vehicle as normal vehicles won’t be able to reach you. It can be a confusing concept for UK drivers, which is why we’ve put together a handy guide all about it below.

Hire Car Cover

Sometimes you may want to hire a replacement vehicle whilst your car is being repaired to help you get around while you wait. Our European breakdown cover policies offer this benefit as standard so you’ll be safe in the knowledge that you’ll have this option should you need it.

What Do I Do If I Break Down?

As stressful and as scary as breaking down in a foreign country may be, the first thing to do is to not panic!

Make sure your vehicle is in as safe a place as possible and when you’re happy it is you’ll need to contact your assistance provider to let them know what’s happened.

The phone number for your assistance provider will be at the top of your policy certificate, so it’s a good idea to save this number in your phone so it’s easy to get a hold of when you need it.

Let your assistance provider know what’s happened in as much detail as possible so they can provide the most appropriate service for you – a local recovery agent will then be dispatched to hopefully get you going as quickly as possible.

Our FAQs are intended as a guide and are not exhaustive, you should not rely on these in their entirety and should read the Policy Wording for all policy Terms, Conditions and Exclusions. If you have any additional queries regarding our insurance please use our Contact Us section to get in touch. We will endeavour to respond to any queries within 24 business hours.

We've partnered up with the great people at BookMyGarage who provide fantastic options for your MOT and servicing needs.

They compare the prices of local garages to help you get a brilliant deal on your next vehicle service or MOT.

Click the button below to see how much you could save with BookMyGarage.

• Recovery to Local Garage
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• Overnight Accomodation
• Hire Car during repair
• Repatriation to the UK
• 24 Hour UK claims line
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Our Eversure Reviews

Feedback for eversure has been compiled from 699 customer reviews:.

We traveled in Europe by car for a few days and I needed insurance which helps if something happens, luckily nothing happened so I can't say more about the service

I've done this once on Trustpilot already. I said easy to find on comparison sites and a good to have single trip 4 day as an option but as I was pained to have my trip cancelled as was to visit Le Mans this coming weekend...but the French got a jolt of Covid and that put the kaibosh on my visit. If it had been a few weeks I would have cancelled but it was suddenly last weekend the isolation came in, they didn't want us!!!!

They were fine. Didn't have to make any claims so this review is largely irrelevant but I was happy with the price for peace of mind.

Competitive quote and it was all I needed.

very good service

Good service all round

Good response but a long time waiting to talk to someone on the phone and a lon time processing the claim

Easy to setup policy

Excellent service definitely use you again.

There is past 6 weeks and i didn't receive my money back,

We added a comment on 28th November 2018 , by Eversure Insurance: I'm really sorry to hear you weren't able to rate us positively. If you think that something has gone wrong, or we haven't done something we should have done, please do get in contact with me on: [email protected] Thanks, Jeremy

excellent deal peace of mind easy to do price fantastic

Very quick and easy and price competitive

Great value, easy to buy and great response when my car broke down aboard. Quick response and good communication throughout

Bought the policy through a comparison website, and as we had the same policy last year, it was easy to find, and buy

Quick, polite, good value for money

Incredible service for what I paid. I’ll never use anyone else again.

Call operator friendly and polite. Acceptable price quoted. All fine

This type of insurance is not worth purchasing. I can see that all the positive reviews are from people who have found "buying" insurance easy. They certainly make sure that it's easy to take your money. But as soon as you try to get help - they [now PEX Insure - a 3rd party provider] immediately say that you're not covered - even before they've asked you for your insurance policy number. I broke down yesterday in Southern France (well technically the car still runs - but the rear spring coil snapped - and technically in the UK, that would be an MOT failure (mechanical breakdown) - and would certainly invalidate any insurance if you continued to drive - knowing of the fault. On hearing of the initial clunk we thought it would be sensible to pull in at a garage (first mistake - invalidates cover). The garage we found isn't Audi, so they had to order parts - 2 days wait. Eversure weren't remotely interested in helping us get to the nearest audi garage - 40km (too far for the insurance cover), no hire car support, not even when we said we could cover our accommodation costs. So basically, I don't know what is covered with this type of insurance. So don't be lured by the "price". Go for something like the AA which understands and is at least helpful when you are actually in a crisis. Perhaps Eversure will only process a claim if you are totally stranded and they have to come and collect you (not sure if normal cars do give up the ghost like that). But I suspect that this insurance is only useful if you are having trouble changing a tyre. Caveat emptor still applies. Reviewers - please don't give it 5 stars for just taking your money.

We added a comment on 28th November 2018 , by Eversure Insurance: I'm really sorry that you suffered an issue when driving in France and that you felt the PEX Breakdown cover you had from us didn't provide the assistance you were expecting. Whilst I appreciate the situation must have been most stressful, it's true that the circumstances you describe would not have been met by this policy as it is designed to recover you to a garage local to where you've broken down. It isn't designed to relay a policy holder to another garage, and it will only respond to a vehicle that is completely immobilized. You're right, we do sell on a non-advised basis but we're always happy to take calls asking about the cover levels before a customer purchases. As with all insurance, it's really important to read the policy wording to make sure it meets your requirements. Thanks, Jeremy

Easy and good price.

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Eversure Limited, Bury House, 1 Bury Street, Guildford, Surrey GU2 4AW. Registered in England and Wales no. 6751893. Eversure Limited are authorised and regulated by the Financial Conduct Authority.

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3 popular European road-trips for autumn

Voyager Insurance lists 3 popular destinations for an autumn European road-trip.

Brexit and Your Travel Insurance

As the situation regarding Brexit continues to change, as it stands the UK is still currently set to...

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European Breakdown Cover

Get protected with cover from less than £3 per day* and save £100s on unexpected costs..

• Single or Annual Multi-trip policies available
• Cover for vehicles aged 15 years or under since first registration
• Cover for Caravans and Trailers now provided as standard
• Emergency Roadside Assistance – helping to get you on your way as quickly as possible
• Vehicle Recovery - if your vehicle cannot be fixed by the side of the road
• Replacement Vehicle or Accommodation - if your car can't be fixed, helping you continue your trip

*£3 is dependent upon your vehicle age and trip duration.

Single Trip European Breakdown

Annual european breakdown cover.

• Euro Breakdown FAQs

Fantastic European breakdown cover at an affordable price - Single Trips now available for purchase up to 18 months before your trip!

At Voyager we have a breakdown cover policy for you in the unfortunate event that your vehicle breaks down.

If you are taking your car to the continent and only require cover while you are in Europe, then our Voyager Europe Breakdown Cover may meet your needs.

• 1-week cover to Europe from £18.99
• For trips up to 90 days in duration
• 24-hour, 365-day a year service through   network of recovery operators throughout the UK and Europe provided by Call Assist.
• Emergency Roadside Assistance
• Replacement vehicle or accommodation cover
• Annual Cover to Europe from £64.99
• For multiple trips up to 90 days in duration each

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• The 5 main types of breakdown cover explained

The 5 Main Types of Breakdown Cover Explained

Many or all of the products and brands we promote and feature including our ‘Partner Spotlights’ are from our partners who compensate us. However, this does not influence our editorial opinion found in articles, reviews and our ‘Best’ tables. Our opinion is our own. Read more on our methodology here .

Breakdown cover can seem like a bit of a riddle at times, but it doesn’t have to be a mystery. By understanding the different types of breakdown cover and how they relate to your needs, you’ll be perfectly placed to select the most suitable policy. Better awareness of your options can help you to save money and enjoy the right level of protection at the same time.

» MORE:  What is breakdown cover?

There are five main types of breakdown cover, which we will explain in more detail below:

Roadside Assistance Breakdown Cover

National recovery breakdown cover, home start breakdown cover, onward travel breakdown cover, european breakdown cover, compare breakdown cover.

Use our comparison table to find breakdown cover from leading providers

Roadside Assistance is the most basic form of breakdown cover; indeed, providers often refer to it as a basic policy.

As it sounds, Roadside Assistance cover will provide help to drivers by the side of the road should they break down. Assistance will typically come in the form of an engineer who will attempt to repair your car at the scene. If repairs aren’t possible, your car will be towed to a nearby garage chosen by your breakdown provider (within a certain radius of the incident), where you can arrange to collect it as soon as it’s fixed. The cost of any replacement parts the engineer may use, or any repairs that need to be made at the garage, will not usually be covered under this breakdown policy.

Furthermore, standard Roadside Assistance may not cover you if you break down at home or close to home (often within approximately ¼ of a mile). You may be able to request assistance but only for an additional fee.

Do I need Roadside Assistance?

For drivers who regularly traverse the highways and byways of the United Kingdom, National Recovery is a useful breakdown service. As with Roadside Assistance, if you breakdown anywhere in the UK, an engineer will come to your aid and attempt a roadside repair on your vehicle.

However, rather than being limited to being taken to a nearby garage if your car can’t be fixed by the road, National Recovery breakdown cover enables you and your car to be taken to any destination in the UK for repair.

This means you can get taken to a garage and location of your choice, whether it’s your home or any other destination, which could help to minimise the disruption to your travel plans.

Do I need National Recovery?

Your car is as likely to fail to start at home as it is to breakdown on the road, especially on cold, wet and icy winter mornings. This is because the likelihood of experiencing car battery problems or other difficulties increases when it has been sitting in the driveway all night. This problem only gets worse as your car gets older and racks up more miles.

Home Start (also called at-home) cover means, should you break down at home, or within a specified distance of your home (distance cap varies by policy), your provider will send an engineer to attempt to kick start your vehicle. If it is not possible to restart your car, most Home Start policies will include a tow service to a garage local to your address.

You can choose to add Home Start as an optional extra to most basic policies, as many Roadside Assistance or National Recovery policies won’t cover breakdowns within a certain distance of your home as standard.

Do I need Home Start?

If you’re stranded with a broken-down car far from your destination, Onward Travel cover will help you to continue on your journey. Each policy differs, but there are some key similarities between providers.

Typically, if your car needs repairing at a garage and you still need to complete your journey, an alternative means of travel or transportation will be made available, either through a hire car or by covering the costs of public transport. Some policies will also cover overnight accommodation costs, up to a certain amount.

Do I need Onward Travel?

This is the only form of breakdown cover tailored to European travel. Whether you travel to the continent regularly for business or you’re simply there on holiday, you’ll need breakdown cover to get you back up and running in case of a breakdown or emergency.

European cover is flexible, and you can typically tweak it to match your circumstances. If you travel infrequently, say once or twice a year, a single trip policy may be suitable. If, however, you regularly go to Europe, you might consider taking out an annual policy.

European policies will often include hotel accommodation or a hire car provision, which is crucial when breakdowns occur away from, or en route to, your destination. Some breakdown providers can also help with any language barriers by giving you access to an English-speaking helpline and, if needed, may help you and your vehicle get back to the UK if you are experiencing problems.

Do I need European Recovery?

>> MORE: Do I need breakdown cover?

Cover for yourself or your vehicle?

In addition to the above levels of breakdown cover, you can also choose between personal and vehicle breakdown cover.

As the names suggest, personal breakdown cover will cover the individual, whatever car they are in, while vehicle breakdown cover will only cover one specific vehicle. Most providers will also allow you to get cover for multiple people or vehicles under one policy.

>> MORE: Guide to personal and vehicle breakdown cover

Breakdown cover optional extras

With most providers you will be able to supplement your breakdown cover with some additional policies. Each provider may call them by slightly different names, but some common optional extras include:

Key replacement

If your keys are stolen, damaged or simply lost, this cover can help you to replace them. Details will vary between providers, but some may offer you the use of a hire car while you wait for the issue to be fixed. Some car insurance policies also offer this cover as an optional extra.

Tyre replacement

Tyre damage may not always be covered under a standard breakdown cover policy, but this extra cover can help with the repair or replacement of a tyre should you get a puncture or a flat.

Misfuel cover

This will cover you if you mistakenly fill up your car with the wrong fuel. It can cover the costs of towing, draining the tank, and other work needed to get you back on the road. Some car insurance policies offer this as an optional add-on too.

Battery replacement

If your battery goes flat or has a fault, this policy covers the costs of fitting a new battery to your car. Terms and exclusions will vary between providers.

Parts and labour

This policy can help to cover the cost of replacement parts and any garage work that is not covered under most standard breakdown policies. However, there will usually be a cap on how much you can claim at one time.

What to remember when choosing a breakdown policy

With such a range of breakdown policy bundles available, each containing a different combination of cover options, it’s important to work out which cover is necessary, and which cover you may not require. Evaluate your needs carefully, while also factoring in both the short term and long-term financial implications of each policy.

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That’s just the tip of the big green iceberg. See our European policy booklet for more.

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Europe travel insurance.

Travel insurance

When travelling to Europe, it’s important you consider having protection in case something unexpected happens, such as illness, an accident or a vehicle breakdown. Brittany Ferries have teamed up with Voyager Insurance Services, an award-winning provider of Travel and Vehicle Breakdown Insurance, to help protect you, your family and your vehicle.

Travel Insurance from £5.25* pp

Voyager Europa Travel Insurance also provides you with a range of additional benefits that the European Health Insurance Card or the new Global Health Insurance Card doesn’t, such as cover for your belongings, travel delay and cancellation.

Simple, straight forward cover – including Emergency Medical Expenses, Cancellation and Baggage

Excellent Value – With prices starting from less than £5.25* pp for 3 days in Europe

Many Medical Conditions covered with a simple ‘Fit to Travel’ declaration

24/7 Emergency Medical Assistance line – Helping you when you need it most

Optional Pet Cover – protecting your furry companions while abroad!

Available for residents of the UK, France, Republic of Ireland and Spain.

14 day money back guarantee (if you have not already travelled or claimed)

Breakdown Cover from £3 per day†

Voyager European Breakdown Cover will give you peace of mind that if your vehicle suffers a mechanical breakdown, it can arrange for your vehicle to be towed to a nearby garage, where you can arrange for it to be repaired and can provide a replacement vehicle or accommodation to get you home or continue your journey.

Emergency Roadside Assistance

Getting you home or helping you to continue your journey**

Alternative Transport Abroad - Up to £1,000

Emergency Overnight Accommodation Abroad – Up to £450 (£45 per person, £125 per day)

Returning the insured vehicle back to the UK** – Unlimited

Trailer or Caravan Cover – Included free

Cover in the UK before you leave (within 7 days of departure)

14 Day Money Back Guarantee (provided you have not travelled or claimed)

By clicking the Buy Now button below you will be transferred to a website operated by Voyager Insurance to complete your purchase. The above is only a non-contractual summary of the cover available. Please refer to the policy wording for full policy terms, cover limits, conditions and exclusions on the Voyager Insurance website.

Personal Travel Insurance

From as little as £5.25* per person.

You will be transferred to a website operated by Voyager Insurance to complete your purchase.

European Vehicle Breakdown Cover

From as little as £3 per day†, additional information, pricing explanation.

* Price quoted is for a family of 4 (based on 2 adults up to 45 and 2 children up to 20) travelling to Europe for three days, total price £21.01

† Price dependent on trip duration and age of vehicle

** Exact cover provided in the event of a vehicle breakdown depends on individual circumstances

Terms and conditions

The above is only a non-contractual summary of the cover available. Please refer to the Policy Wording for full policy terms, cover limits, conditions and exclusions on the Voyager Insurance Website.

You must be satisfied that your insurance covers all your personal requirements including pre-existing medical conditions, cancellation charges, medical expenses and repatriation in the event of accident or illness. If you choose to travel without adequate insurance cover, we will not be liable for any losses howsoever arising, in respect of which insurance cover would otherwise have been available.

The above insurance is arranged and administered by Voyager Insurance Services Ltd on a non-advised basis. Brittany Ferries are an Introducer Appointed Representative of Voyager Insurance Services Ltd.

For Residents of Eligible UK Countries

Eligible UK Countries are defined as: the United Kingdom, Channel Islands, Isle of Man and Gibraltar.

For Residents of Eligible EEA Countries

Eligible EEA Countries are defined as: Belgium, Cyprus, France, Germany, Greece, Italy, Malta, the Netherlands, Poland, Portugal, Republic of Ireland and Spain.

Ibex Portugal – Corretora De Seguros, Unipessoal LDA acting as EEA distribution partner for Voyager Insurance Services Limited, the administrators of this product.

Ibex Portugal – Corretora De Seguros, Unipessoal, LDA is authorised and regulated by the ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões) Number 619553792.

Please note: This is a non-advised sale administered by Voyager Insurance Services Ltd. If you opt to purchase insurance through this website, you will be solely responsible for ensuring that the selected insurance products are suitable for your specific needs. We encourage you to read the terms and conditions, policy wordings and privacy policies provided by Voyager Insurance Services Ltd. If you have any questions about the insurance services and products, and the handling of your personal information, please call Voyager Insurance Services Ltd on +44 (0) 1483 806684. © 2021 Voyager Insurance Services Ltd.

Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 305814). Registered address: Bankside 300, Peachman Way, Broadlands Business Park, Norwich, Norfolk, NR7 0LB, United Kingdom. Administration Address: 13-21 High Street, Guildford, Surrey, GU1 3DG, United Kingdom.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

View comments

Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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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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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

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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