travel health insurance united kingdom

Cookies on GOV.UK

We use some essential cookies to make this website work.

We’d like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services.

We also use cookies set by other sites to help us deliver content from their services.

You have accepted additional cookies. You can change your cookie settings at any time.

You have rejected additional cookies. You can change your cookie settings at any time.

Healthcare for visitors to the UK from the EU

Information on accessing healthcare for visitors to the UK from EU countries, Norway, Iceland, Liechtenstein and Switzerland.

Coronavirus (COVID-19) testing and treatment

Overseas visitors to England, including anyone living in the UK without permission, will not be charged for:

• testing for coronavirus (even if the test shows you do not have coronavirus)
• treatment for coronavirus

What you need to do

If you are visiting the UK from the EU, Norway, Iceland, Liechtenstein or Switzerland, you should:

• have travel or health insurance that covers the duration of your trip
• bring your European Health Insurance Card ( EHIC ) if you are eligible to continue using it in the UK
• bring your S1 form if you are eligible to continue using it in the UK
• bring your S2 form if you are eligible for one
• check if you need to apply for an S2 Healthcare Visa

Getting healthcare in England

This information is about getting healthcare in England. The way you access healthcare in Scotland, Wales and Northern Ireland could be different from England.

The NHS operates a residence-based healthcare system. This means visitors to England may have to pay for NHS healthcare, depending on their circumstances.

Some services, such as accident and emergency (A&E) and visits to a general practitioner ( GP ), are free to everyone. Urgent treatment or treatment that cannot safely wait until you leave the country and return home will always be provided, and the matter of payment dealt with later. Only a clinician can decide if your treatment is urgent or immediately necessary.

Medically necessary treatment

If you are visiting the UK from an EU country or Switzerland and you fall ill or have a medical emergency during your temporary stay in England, you can use a valid EHIC issued by your home country to access healthcare.

Your EHIC also covers you for the treatment of pre-existing medical conditions and for routine maternity care, provided the reason for your visit is not specifically to give birth or receive treatment.

The EHIC is not an alternative to travel insurance . It will not cover any private medical healthcare, being flown back home, or lost or stolen property.

If your EHIC has been lost or stolen during your visit to England and you need a replacement, then you should contact the relevant organisation in your home country to request a Provisional Replacement Certificate ( PRC ).

If you do not have an EHIC and cannot obtain a PRC , you may have to pay for treatment. You will be charged at 150% of the national NHS rate.

If you are visiting the UK from Norway, you will be entitled to medically necessary healthcare. You will need to show a valid Norwegian passport.

If you began studying at an accredited UK higher education institute in the UK on or before 31 December 2020, you may use your EHIC for medically necessary healthcare until the end of your course, irrespective of your nationality. You must apply to the EU Settlement Scheme if your course extends beyond 30 June 2021.

If your course of study in the UK began after 1 January 2021 and lasts for more than 6 months, you will need to pay the immigration health surcharge as a part of your student visa application. You may be eligible for a reimbursement of your surcharge payment in certain circumstances.

Find out when you can have your immigration health surcharge reimbursed

Seeking planned treatment in England

If you are coming to the UK from an EU country or Switzerland for planned health treatment, you will need to make all the necessary arrangements yourself in advance.

Planned treatment is not covered by the EHIC . You will need to arrange an S2 form from the relevant organisation in your home country before you travel to England.

The S2 only covers state-provided treatment and you will not be required to pay anything yourself, except any mandatory patient contributions that patients in England would have to pay, such as prescription costs. You may have to pay for any treatment that is not covered by your S2 form.

If you are coming to the UK from Norway, Iceland or Liechtenstein and requested authorisation for planned treatment from the relevant authority in your home country before 31 December, you will be able to complete that treatment in the UK, even if it takes place after that date.

UK nationals who no longer live in the UK

Because the NHS is a residency-based system, under NHS rules UK nationals who move abroad on a permanent basis lose their entitlement to free NHS healthcare.

UK nationals living and working in EU countries, Norway, Iceland, Liechtenstein or Switzerland on or before 31 December 2020 and their family members may be eligible to use NHS services without charge. You may be asked to provide evidence of your residency. Please check with the authorities in the member state in which you reside for further information.

If you are a UK national and move to the EU, you should not expect to be able to use NHS services for free when visiting the UK unless you have an EHIC , PRC or S2 to show your healthcare costs are funded by the EU country in which you now live, or another exemption applies.

You should take out appropriate travel insurance when visiting the UK, as you would when visiting any other country. Any treatment you may have to pay for will be charged at 150% of the national NHS rate.

Some former UK residents do not have to pay for NHS treatment when visiting England. This includes UK war pensioners, UK government employees, and UK nationals living in the EU on or before 31 December 2020.

You should check before travelling to the UK whether you qualify for an exemption from charging or will be required to pay for your treatment.

If you return to the UK permanently and you are ordinarily resident, you will be able to access NHS care without charge.

Read more about using the NHS when you return to live in the UK .

Visitors from Iceland or Liechtenstein

If you are visiting from Iceland or Liechtenstein and began a temporary visit to the UK on or before 31 December 2020, you will be able to access medically necessary treatment while your current visit lasts, even if it extends into 2021.

If your visit began on or after 1 January 2021, you may have to pay for treatment. Any treatment you have to pay for will be charged at 150% of the national NHS rate.

Travel insurance

The government always advises visitors to the UK to take out travel or health insurance. This means that you can reclaim any healthcare costs you are required to pay from your insurer.

Check your insurance has the necessary healthcare coverage to make sure you can get the treatment you need during your visit.

Insurance is particularly important for those with a pre-existing health condition. You must tell your insurance company about any health conditions you have to make sure you can get the cover you need.

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.

Getting healthcare in Scotland, Wales and Northern Ireland

This guidance is about NHS entitlements in England. For more information about accessing healthcare in Scotland, Wales and Northern Ireland, visit the websites for health services in each country:

• Northern Ireland

Updated to reflect the UK-Switzerland Convention on Social Security Coordination coming into effect. From 1 November 2021, eligible visitors to the UK from Switzerland can use a valid EHIC to access state-provided, necessary healthcare in the UK.

In 'Medically necessary treatment' section, added that you may be eligible for a reimbursement of your immigration health surcharge payment in certain circumstances, and a link to find out more.

Updated with information on visiting the UK now the Brexit transition period has ended, reflecting the terms of the UK–EU Trade and Co-operation Agreement on reciprocal healthcare arrangements.

Added no-deal Brexit arrangement for Spanish visitors.

Increased visibility of calls to action. Highlighted the different guidance for visiting England, Scotland, Wales and Northern Ireland if there is a no-deal Brexit. Highlighted guidance for EU and EFTA (Iceland, Liechtenstein, Norway, and Switzerland) citizens about agreements with EFTA states and studying in the UK.

First published.

Related content

Is this page useful.

• Yes this page is useful
• No this page is not useful

Help us improve GOV.UK

Don’t include personal or financial information like your National Insurance number or credit card details.

To help us improve GOV.UK, we’d like to know more about your visit today. We’ll send you a link to a feedback form. It will take only 2 minutes to fill in. Don’t worry we won’t send you spam or share your email address with anyone.

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• How much do cat vaccinations cost?
• How much do dog vaccinations cost?
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards 2024
• Best Sign-Up Bonuses
• Instant Approval Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Credit Cards for Bad Credit
• Balance Transfer Credit Cards
• Student Credit Cards
• 0% Interest Credit Cards
• Credit Cards for No Credit History
• Credit Cards with No Annual Fee
• Best Travel Credit Cards
• Best Airline Credit Cards
• Best Hotel Credit Cards
• Best Gas Credit Cards
• Best Business Credit Cards
• Best Secured Credit Cards
• Best American Express Cards
• American Express Delta Cards
• American Express Business Cards
• Best Capital One Cards
• Capital One Business Cards
• Best Chase Cards
• Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Milestone Mastercard Review
• Destiny Mastercard Review
• OpenSky Credit Card Review
• Self Credit Builder Review
• Chime Credit Builder Review
• Aspire Card Review
• Amex Gold vs Platinum
• Amex Platinum vs Chase Sapphire Reserve
• Capital One Venture vs Venture X
• Capital One SavorOne vs Quicksilver
• How to get Amex pre-approval
• Amex travel insurance explained
• Chase Sapphire travel insurance guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• All credit card guides
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Make Money
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• E&O Professional Liability Insurance
• Best Savings Accounts & Interest Rates
• All Insurance Guides

On This Page

• Key takeaways

Do I need travel insurance to visit the United Kingdom?

Our top picks for the best uk travel insurance, who should get travel insurance when visiting the uk, what types of coverage do you need for traveling to the uk, what isn’t covered by travel insurance for uk visits, how much does travel insurance for the uk cost, tips for choosing the best uk travel insurance, tips for visiting the uk, uk travel insurance faqs, related topics.

Best UK Travel Insurance: Coverage Tips & Plans 2024

• Our top picks for UK travel insurance come from Seven Corners, Tin Leg, and Trawick International.
• Most U.S. health insurance won’t cover the cost of medical treatment you receive overseas, so it’s important to purchase a medical travel insurance policy at the least.
• By law, UK hospitals will charge foreigners 150% of the normal cost for treatment , which means you could be left paying huge bills if you fall ill on your trip and don’t have an insurance plan in place.
• Basic medical travel insurance plans for UK visits can cost as low as $1 per day . However, for a few extra dollars, you can get plans that include many more types of coverage such as trip delays, trip interruptions, lost/stolen personal items, and more.
• To find the best travel insurance for your trip to the UK, we recommend using an online comparison tool . This allows you to compare travel insurance quotes from multiple providers at once to ensure you find the best deal.

Traveling to the UK may seem like a fairly easy and drama free type of trip due to the close ties between our countries, and the common language we share.

While that may be true, the UK can also present some unique challenges to travelers that may not come to mind at first thought. In this guide we’ll try to cover all you need to consider when visiting the UK as it specifically relates to staying safe and financially protected from potential pitfalls.

We’ll also cover why you should consider a UK travel insurance plan, what types of scenarios you should get coverage for, and give you some recommendations on the best travel insurance for UK visits.

To make it easier to understand your options, we put together this quicklink guide to travel insurance for UK trips.

• Our top choices for UK travel insurance plans
• Why it’s important to get travel insurance for the UK
• Who needs coverage when visiting the UK
• Types of travel insurance coverage needed for UK visits
• Average cost of UK travel insurance plans

Our top picks for the best uk travel insurance

• Seven Corners: Best Value for Robust Coverage
• Tin Leg: Best Rated Travel Insurance
• Trawick International: Best Medical Evacuation Limits

Seven Corners

Trawick International

Travel insurance to the UK isn’t legally required for U.S. citizens visiting the country as a tourist. However, not buying a travel insurance policy could leave you in a bad position should you run into issues with your trip itinerary or happen to have a medical incident while abroad.

It’s important to note that most private US medical insurance won’t cover you while you’re traveling abroad . This is also true for Medicare, and Medicaid. That means without a travel insurance plan you run the risk of paying out of pocket if you require emergency medical treatment while visiting the UK.

Best Value for Robust Coverage

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Medical Evacuation Limits

• Excellent medical coverage limits
• Up to $2,500 baggage coverage included
• Covers quarantine accommodation expenses
• Baggage delay coverage only kicks in after 8 hours
• CFAR only covers 75% of the insured trip cost

Anyone who doesn’t have a health insurance plan that works in the UK should consider opting for travel insurance when visiting the United Kingdom.

This is especially true for people traveling with an older person or anyone who may be at higher risk of needing medical care while abroad.

In this case you may wan’t to opt for a special travel insurance plan for seniors or a travel insurance plan that covers pre-existing medical conditions .

If you have a lot of high-dollar nonrefundable expenses for your trip to the UK, it’s also a smart idea to take out travel insurance. While you may be able to cover these costs out of pocket, for a few extra dollars you can typically get these costs refunded if you face unforeseen cancellations or interruptions to your vacation.

Common reasons you may need travel insurance for the UK

The UK is generally a safe country to travel to. It’s developed and they also speak English which means that American travelers typically shouldn’t have to much trouble navigating through the UK while visiting.

However, there are a number of situations that are unique to traveling in the UK that may not cross your mind initially and can pose a risk to unprepared travelers.

A UK travel insurance plan can protect you in the following situations:

1. Transportation strikes are common in the UK

As per the official National Rail website , the UK has experienced a sustained period of strike action by the railway unions over the past two years - with the most recent being in February of 2024 . If you plan to travel across the UK, rail strikes could affect your travel plans no matter how short the journey is. Strike actions often come with little notice and can have huge repercussions on the effectiveness of services all over the country.

A travel insurance policy can easily cover travel delays, missed connections, or cancellations and interruptions to your travel itinerary due to a strike.

2. Pickpockets often target foreigners

Pickpocketing is a common phenomenon in Europe and the same is true across major UK cities like London, Manchester, and Birmingham. Thieves often operate in busy tourist spots in London, especially in crowded areas such as Oxford Street, Trafalgar Square, and Piccadilly Circus. The London Underground is also regularly frequented by thieves during rush hour, and let’s be honest, Americans are easy to spot when traveling, even in a country full of native English speakers.

You may not know, but comprehensive travel insurance to the UK covers lost, stolen, and damaged personal items in case some something happens. Therefore, we recommend reviewing the plans just in case you need one.

3. Much of the UK is rural & relatively isolated 

Many people don’t think of the UK as a predominantly rural nation. However, the same is true about the U.S. when you actually stop to think about it.

Alongside the UK’s numerous cities and urban areas, there is a plethora of isolated rural and idyllic locations across England, Scotland, Wales, and Northern Ireland which make amazing travel destinations. That said, rural areas are not always well connected to hospitals and present an ideal landscape for requiring evacuation crews in an emergency. As official UK government statistics show , From March 2022-March 2023 there were 1,316 rescue/recovery operations carried out across the UK.

While the picturesque landscapes of the English Lake District, Scottish Highlands, and Welsh National Parks welcome thousands of visitors every year, they are not without incident.

We recommend having travel insurance in the UK that covers you for emergency medical treatment and emergency medical evacuation in case you have an accident or fall ill while enjoying the isolated countryside of the country.

4. Heathrow has a reputation for lost & delayed baggage

London Heathrow is one of the busiest airports in Europe and has the largest share of lost luggage claims in the UK, according to Statista .

It’s also no surprise to most Americans that US airports aren’t exactly great at avoiding baggage issues either. Including baggage insurance as part of your UK travel insurance policy will ensure you are covered for any losses during your journey to the UK.

Travel insurance plans can largely be grouped into two categories:

• medical-based travel insurance
• comprehensive travel insurance

Naturally, what your travel insurance covers depends on the type of policy you purchase.

Medical-based travel insurance

At the most basic level, we recommend opting for medical-based travel insurance for UK visits. These travel insurance policies are typically the cheapest and are also the most important, since most U.S. health insurance doesn’t work outside of the United States.

Although the UK provides free medical treatment for UK residents, the US Embassy notes that American tourists will be charged for any medical services they receive.

The UK government further notes that non-UK visitors will be charged at 150% of the cost for treatment by the NHS if they are treated by UK hospitals. This can leave you paying large amounts out-of-pocket if you don’t have medical travel insurance in place to pick up the bill.

Typically medical-based travel insurance policies will include two separate coverage limits for medical emergencies and emergency medical evacuations:  

• Emergency medical insurance will cover the costs of receiving medical treatment for accidents, injuries, and illnesses while abroad.
• Medevac insurance covers the cost of transporting you to a medical facility that’s capable of providing an appropriate level of care. It may also cover the cost of flying a family member to the UK to be with you while you’re recovering.

Since the cost of treatment is so high for visitors to the UK, and the distance to evacuate you back to the US is so far, we recommend opting for at least $100,000 in medical coverage and at least $250,000 in medical evacuation coverage.

Medical plans typically won’t include wide-reaching coverage for other things like trip cancellations or trip cost reimbursement. For this, you may need to opt for a more comprehensive travel insurance plan with trip cost reimbursement.

Comprehensive travel coverage

When choosing travel insurance, you have the option of buying plans that reimburse your for non-refundable prepaid trip expenses, and plans that don’t. To get insured for things like trip cancellations, interruptions, delays, and your personal items, you typically need to purchase a travel insurance plan that offers trip cost reimbursement.

Some medical-based travel insurance policies may reimburse your for a cancelled or interrupted trip if it comes as part of your medical care resulting from a covered injury or illness. However, if you have to cancel your trip due to unforeseen events like natural disasters, or terrorism, you can typically only be reimbursed if you have chosen a comprehensive travel insurance policy that includes trip cancellation and interruption coverage for prepaid, nonrefundable expenses. 

Below, we walk through a cost example that shows the difference in prices of medical based plans versus comprehensive travel insurance coverage.

Optional Add-ons

As a side note, some insurance providers may also offer optional add-ons like cancel for any reason (CFAR) insurance . This allows you to cancel your trip for any reason and claim back around 50% to 75% of your prepaid travel expenses. Including CFAR insurance within your policy will ensure you are covered should you decide to change your plans and cancel your trip to the UK.  

As a general rule, most travel insurance policies exclude coverage for the following scenarios:

• Claims resulting from illegal activities
• Claims related to medical tourism
• Injuries resulting from intoxication from drugs or alcohol
• Cancellations due to fear COVID-19 (See COVID-19 travel plans)

While these may be rather obvious to some people, many travel insurance plans also include restrictions for the following:

• Adventure activities & sports: For those who wish to enjoy activities such as hiking, climbing, kayaking, winter sports, and more a far more comprehensive coverage plan is needed. You should ensure that your plan includes coverage for the specific adventure activity or sport you plan to do.
• Pre-existing Medical Conditions: As noted above, standard travel health insurance typically doesn’t cover pre-existing conditions. This includes pregnancy, although you may be able to use your cancellation coverage if you become pregnant after you book your trip and pay for an insurance policy. See our article on pregnancy travel insurance for more info.
• Certain age limitations: Some travel insurance plans stop insuring people after a certain age. Therefore, if you are traveling with a senior citizen, you may wan to look at specific travel insurance plans for Seniors, which will allow you to get coverage at any age.

The cheapest travel insurance for UK visits can cost as little as around $1 per day. For more comprehensive coverage, you can expect to pay around $8 to $10 per day or even more depending on your trip parameters and coverage levels.

To give you a ballpark estimate of how much travel insurance for visitors to UK can cost, we got sample quotes from three different providers.

We applied this information to the quotes:

• Age: 35 years old
• Destination: United Kingdom
• Trip Length: 7 days
• Trip cost: $2,000
• Date: September, 2024

This table displays three quotes for medical-based travel insurance plans that don’t reimburse the full trip costs:

If you want your policy to include trip cancellation and trip interruption coverage, you will need to purchase a more comprehensive plan.

For the following table, we have quotes for plans that reimburse you if your trip to the UK is canceled or interrupted.

As you can see, adding trip cost reimbursement can double or triple the cost of your travel insurance policy.

It’s important to note that these prices are for example purposes only. Actual plan costs will vary depending on your own unique circumstances.

All of the following factors impact the cost of travel insurance:

• Trip cost:   The more expensive your trip is, the more coverage you’ll need. This increases the cost of your travel insurance.
• Age: As you get older, your risk of developing a serious medical condition increases. Therefore, older individuals tend to pay more than younger people for travel insurance and other types of insurance coverage.
• Location:   Each state has its own rules regarding travel insurance coverage. This has a direct impact on how much you pay.
• Coverage limits : Although your destination doesn’t have a direct impact on the cost of travel insurance, you need higher coverage limits for international travel. A plan with high limits costs more than one with low limits.

To find the best insurance policy for your needs, follow these tips:

Draft your itinerary

If you’ll be using multiple common carriers, you may need higher coverage limits due to the heightened risk of delays and cancellations.

Decide if you need any add-ons

For example, if you plan to go mountain climbing, you may want to get an adventure add-on to ensure you’re covered in the event of an injury.

Determine how much flexibility you need

If you expect to make plans on a whim or change your itinerary at the last minute, you may want a travel insurance policy with higher coverage limits. If you don’t need much flexibility, you may be able to make do with cheap travel insurance.

Overview of UK country information & travel requirements

The table below provides a quick overview of what you need to know about traveling to the UK.

Do US citizens need a visa to visit the UK?

If you’re a U.S. citizen, you don’t need a visa to stay in the UK for 6 months or less.

Is a Schengen visa valid for the UK?

No. The Schengen visa is only valid in the 27 countries belonging to the Schengen area.

Does Brexit affect my travel to the UK?

In 2020, the United Kingdom withdrew from the European Union, an event known as “Brexit.” Fortunately, Brexit has no effect on airline travel from the United States to the United Kingdom.

Do I need travel insurance for a trip to the UK?

You’re not required to purchase travel insurance, but it’s a good idea to buy a policy before your trip. This type of insurance covers trip cancellation, trip delays, and other common scenarios, giving you extra peace of mind.

How much does UK travel insurance cost?

It depends on your age, the cost of your trip, and other factors. Based on the quotes we pulled above, you can expect to pay an average of $201.09 for a 15-day trip to the UK.

Does my US health insurance cover me in the UK?

No, your U.S. medical insurance won’t cover you in the UK or any other European country.

Can Americans get free health care in UK?

Generally, American tourists  don’t qualify for free health care  through the UK’s National Health Service.

What should I do if I am injured or ill while in the UK?

If you need urgent medical treatment, call 999 or visit 111.nhs.uk. You can also go to the nearest accident and emergency (A&E) department.

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

Explore related articles by topic

• All Travel Insurance Articles
• Learn the Basics
• Health & Medical
• Insurance Provider Reviews
• Insurance by Destination
• Trip Planning & Ideas

Best Travel Insurance Companies & Plans in 2024

Best Medical Evacuation Insurance Plans 2024

Best Travel Insurance for Seniors

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions April 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Spain Travel Insurance Plans + Tips for a Safe Spain Vacation

Italy Travel Insurance: Trip Requirements, Tips & Safety Info

Best Travel Insurance for your Vacation to Disney World

Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

2024 Complete Guide to American Express Travel Insurance

Schengen Travel Insurance: Coverage for your Schengen Visa Application

Mexico Travel Insurance: Tips & Safety Information

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Tips & Quotes for US Visitors

Best Travel Insurance for France Vacations in 2024

Travel Insurance for Germany: Tourist Information & Tips

Travel Insurance for Trips to the Bahamas: Tips & Safety Info

Europe Travel Insurance: Your Essential Coverage Guide

Best Trip Cancellation Insurance Plans for 2024

What Countries Require Travel Insurance for Entry?

Philippines Travel Insurance: Coverage Requirements & Costs

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review 2024

Travel Insurance for Thailand: US Visitor Requirements & Tips

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

Travel Insurance for a Japan Vacation: Tips & Safety Info

Faye Travel Insurance Review 2024 - Customizabale Plans

Travel Insurance for Brazil: Visitor Tips & Safety Info

Travel Insurance for Bali: US Visitor Requirements & Quotes

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

Generali Travel Insurance Review 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for April 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review 2024

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

• Travel Insurance
• Travel Insurance for Seniors
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Flight Insurance Worth It?
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Christmas In Mexico
• Europe Travel Insurance
• Compulsory Insurance Destinations
• Philippines Travel Insurance
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Australia Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance

Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At the LA Times Compare our mission is to help our readers reach their financial goals by making smarter choices. As such we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information to all readers. Learn how we are compensated by our partners.

• Skip to primary navigation
• Skip to main content
• Skip to primary sidebar
• Skip to footer

• Best Global Medical Insurance Companies
• Student Insurance
• Overseas Health Insurance
• Insurance for American Expats Abroad
• Canadian Expats – Insurance and Overseas Health
• Health Insurance for UK Citizens Living Abroad
• Expat Insurance for Japanese Abroad
• Expat Insurance for Germans Living Abroad
• Travel Medical Insurance Plans
• Annual Travel Insurance
• Visitors Insurance
• Top 10 Travel Insurance Companies
• Evacuation Insurance Plans
• Trip Cancellation Insurance
• International Life Insurance
• Corporate and Employee Groups
• Group Global Medical Insurance
• Group Travel Insurance
• Group Life Insurance
• Foreign General Liability for Organizations
• Missionary Groups
• School & Student Groups
• Volunteer Programs and Non-Profits
• Bupa Global Health Insurance
• Cigna Close Care
• Cigna Global Health Insurance
• Cigna Healthguard
• Xplorer Health Insurance Plan
• Navigator Student Health Insurance
• Voyager Travel Medical Plan
• Trekker Annual Multi-Trip Travel Insurance
• Global Medical Insurance Plan
• Patriot Travel Insurance
• Global Prima Medical Insurance
• Student Health Advantage
• Patriot Exchange – Insurance for Students
• SimpleCare Health Plan
• WorldCare Health Plan
• Seven Corners Travel Insurance
• SafeTreker Travel Insurance Plan
• Unisure International Insurance
• William Russell Life Insurance
• William Russell Health Insurance

Atlas Travel Insurance

• StudentSecure Insurance
• Compare Global Health Insurance Plans
• Compare Travel Insurance Plans
• Health Insurance in the USA
• Health Insurance in Mexico
• Health Insurance in Canada
• Health Insurance in Argentina
• Health Insurance in Colombia for Foreigners
• Health Insurance in Chile
• UK Health Insurance Plans for Foreigners
• Health Insurance in Germany
• French Health Insurance
• Italian Health Insurance
• Health Insurance in Sweden for Foreigners
• Portuguese Health Insurance
• Health Insurance in Spain for Foreigners
• Health Insurance in China
• Health Insurance in Japan
• Health Insurance in Dubai
• Health Insurance in India
• Thailand Health Insurance
• Malaysian Health Insurance for Foreigners
• Health Insurance in Singapore for Foreigners
• Australian Health Insurance for Foreigners
• Health Insurance in New Zealand
• South Africa Health Insurance for Foreigners
• USA Travel Insurance
• Australia Travel Insurance
• Mexico Travel Insurance
• News, Global Health Advice, and Travel Tips
• Insurance Articles
• Travel Advice and Tips
• Best Travel Insurance for Seniors
• Best Hospitals in the United States
• Best International Hospitals in the UK
• Best Hospitals in Mexico

Or call for a quote: 877-758-4881 +44 (20) 35450909

International Citizens Insurance

Medical, Life and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Visitors to the United Kingdom

Uk travel insurance and safety tips for visitors.

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

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

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

Best Travel Insurance for Visitors to the United Kingdom

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

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

Patriot Platinum Travel Insurance

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

Best Travel Insurance for US Citizens Visiting UK

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

GeoBlue Voyager Plan

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

Embassy Phone Numbers in the UK

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

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

Essential Safety Tips for Visitors to the UK

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

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

Emergency Assistance Numbers in the UK

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

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

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

United Kingdom: Healthcare System and Types of Insurance

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

Related: Health Insurance for Expats in the UK

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

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

Vaccines, Medications, and Diet Considerations for Visiting the UK

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

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

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

Is Travel Insurance Mandatory for a UK Visa Application

Do us citizens need a visa to visit the uk.

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

Visa Requirements for UK Tourists from Other Countries

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

Advice on Insurance Required for Visas:

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

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

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

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

Get a fast, free, international insurance quote.

Global medical plans, specialty coverage, company info, customer service.

• FULLY COMPREHENSIVE INSURANCE
• TEMPORARY INSURANCE
• NEW DRIVER INSURANCE
• CAR INSURANCE FOR 17 YEAR OLDS
• MULTI CAR INSURANCE
• CLASSIC CAR INSURANCE
• YOUNG DRIVER INSURANCE
• CAR INSURANCE GROUP CHECKER
• CAR INSURANCE CALCULATOR
• CAR INSURANCE CLAIM CHECK
• CREDIT CHECK IMPACT ON INSURANCE
• ADMIRAL CAR INSURANCE REVIEW
• HASTINGS DIRECT CAR INSURANCE REVIEW
• TESCO BANK CAR INSURANCE REVIEW
• 1ST CENTRAL CAR INSURANCE REVIEW
• CHURCHILL CAR INSURANCE REVIEW
• ESURE CAR INSURANCE REVIEW
• AVIVA CAR INSURANCE REVIEW
• WHY IS CAR INSURANCE EXPENSIVE?
• WHAT TO DO IF I HIT A PARKED CAR?
• PRICE OF INSURANCE AFTER AN ACCIDENT
• WHY INSURERS CANCEL POLICIES
• NON-FAULT ACCIDENT IMPACT ON INSURANCE
• INSURANCE FOR LEASED CARS
• IS MY CAR INSURED?
• FIBRE BROADBAND
• BROADBAND ONLY PACKAGES
• BROADBAND AND PHONE
• BROADBAND AND TV
• BROADBAND FOR GAMING
• WIRELESS BROADBAND
• NO CONTRACT BROADBAND
• EE BROADBAND
• VIRGIN MEDIA BROADBAND
• BT BROADBAND
• SKY BROADBAND
• TALKTALK BROADBAND
• VODAFONE BROADBAND
• SHELL ENERGY BROADBAND
• BROADBAND LONDON
• BROADBAND MANCHESTER
• BROADBAND BIRMINGHAM
• BROADBAND GLASGOW
• BROADBAND LIVERPOOL
• BROADBAND HULL
• BROADBAND SPEED CHECKER
• SOLAR PANELS COST GUIDE
• BEST SOLAR PANELS
• BEST SOLAR PANEL INSTALLERS
• BEST SOLAR INVERTER GUIDE
• SOLAR BATTERY STORAGE GUIDE
• SOLAR PANEL GRANTS EXPLAINED
• WINDOWS PRICES
• DOUBLE GLAZED WINDOWS PRICES
• BEST DOUBLE GLAZING COMPANIES
• COST OF DOUBLE GLAZING A 3 BED HOUSE
• TRIPLE GLAZED WINDOWS
• WINDOWS GRANTS EXPLAINED
• SIMPLISAFE REVIEW
• RING REVIEW
• YALE REVIEW
• VERISURE REVIEW
• EUFY REVIEW
• HOME INSURANCE
• CONTENTS INSURANCE EXPLAINED
• BUILDINGS INSURANCE EXPLAINED
• POLICY EXPERT REVIEW
• ADMIRAL REVIEW
• BEST VPN FOR IPHONE
• BEST VPN FOR MAC
• BEST VPN FOR ANDROID
• BEST VPN FOR FIRE STICK
• BEST VPN FOR CHROME
• BEST CHEAP VPN
• BEST VPN DEALS
• EXPRESSVPN REVIEW
• NORDVPN REVIEW
• SURFSHARK VPN REVIEW
• CYBERGHOST VPN REVIEW
• PROTON VPN REVIEW
• PRIVATE INTERNET ACCESS VPN REVIEW
• PROTON VPN FREE REVIEW
• ATLAS VPN FREE REVIEW
• WINDSCRIBE VPN FREE REVIEW
• PRIVADOVPN FREE VPN REVIEW
• HIDE.ME VPN FREE REVIEW
• VPN FREE TRIALS
• LIVE DATA BREACHES
• VPN DEFINITIONS
• BEST HEARING AIDS
• HEARING AIDS
• HOW TO GET A HEARING TEST
• HOW WE COVER HEARING AIDS

The Independent’s journalism is supported by our readers. When you purchase through links on our site, we may earn commission. Why trust us?

Best travel insurance UK 2024 guide

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

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

Why do I need travel insurance?

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

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

There are three main types of travel insurance:

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

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

How to find the best travel insurance policy

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

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

Best travel insurance deals and discounts

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

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

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

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

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

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

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

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

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

Going direct

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

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

Bundled coverage options

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

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

What is covered by travel insurance?

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

Medical coverage

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

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

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

Trip cancellation/interruption

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

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

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

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

Baggage cover

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

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

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

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

Personal liability

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

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

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

Limits: 

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

Finding the best travel insurance with Covid cover

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

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

What Covid-related cover to look for

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

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

Travel insurance providers with comprehensive Covid cover

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

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

Direct Line

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

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

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

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

Tips for selecting the best UK travel insurance packages

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

Coverage limits

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

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

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

Deductibles/excess

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

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

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

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

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

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

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

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

Pre-existing conditions

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

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

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

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

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

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

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

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

Add-on options

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

Gadget insurance

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

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

Winter sports/adventure activities

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

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

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

European FCDO travel advice extension

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

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

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

Best holiday insurance summary

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

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

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

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

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

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

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Laura Miller

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

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

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

Connor Campbell

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

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

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

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

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

• Best home insurance
• Best life insurance
• Best pet insurance
• Car insurance
• Home insurance guide
• Buildings insurance
• Contents insurance
• Home insurance glossary
• Admiral home insurance review
• Aviva home insurance review
• AXA home insurance review
• Churchill home insurance review
• Compare the market review
• Direct Line home insurance review
• Esure home insurance review
• LV home insurance review
• More Than home insurance review
• Policy Expert home insurance review
• Rias home insurance review
• How we cover home insurance companies

The Independent Advisor brand is operated by 3S Media International Limited. 3S Media International Ltd is an introducer appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190).

• Terms and Conditions
• Privacy Policy
• Cookie policy

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 .

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.

Table of Contents

Need help with an immigration issue? Book a one-to-one advice session with one of our legal caseworkers.

We can complete your visa application on your behalf, taking the stress and hassle out of the process.

Need to submit an application quickly? We can help you complete and send it off in as little as 24 hours.

Ensure you have the greatest chance of a successful appeal with our legal support and guidance.

Related Posts

Join Us for Our monthly Webinar Series on Migration Opportunities

UK Government Makes Radical Changes to Family and Work Visa Requirements – What You Can Do

Happy New Year from IAS

Sponsor Licence Renewals No Longer Necessary After 6 April 2024

Relaxed Immigration Rules for Games Industry Workers Announced

Visa Holders Who Incite Anti-Semitism to be Deported from the UK

Can I Change Visitor Visa to Student or Work Visa UK?

Can I Visit USA with UK Student Visa?

How Much Is UK Visa Application Fee in Nigeria?

Get in touch with our team.

Learn about our professional services and find out how we can help.

Get in Touch

Immigration Advice Service Ashwood House, Ellen Street Oldham, OL9 6QR

We have over 20 offices across the UK, find a branch near you:

Request a call back from our immigration experts

You will be redirected to your dashboard shortly. We will also call you back in 24 hrs .

• How To Choose The Best Travel Insurance In UK In 2024

15 Nov 2021

The United Kingdom is located in Europe, but it isn’t part of the Schengen area. Therefore, if you plan to visit the UK, you will need a UK visa. Apart from a visa, a travel insurance in UK is integral for anyone traveling to the UK, whether to Scotland, London, England, Wales, or the northern part of Ireland. Read our travel insurance for UK guide to secure your holiday plans for 2023.

5 Reasons Why You Need Travel Insurance In UK

Traveling is all about embarking on adventures, finding new places, and sharing unique experiences with our loved ones. Travel insurance for UK lets you go on this trip of a lifetime, without worrying about the unforeseen. Here’s how travel insurance for UK comes in handy:

• Health care in the UK is quite expensive. It is highly recommended that you purchase the best travel insurance for UK because you run the risk of not being approved for a visa at a later date if you leave the country with unpaid medical expenses .
• Travel insurance for UK will provide you coverage for total loss of checked-in baggage .
• If you’re involved in a political risk or a catastrophe evacuation, travel policy in UK will provide you emergency hotel extension service until it is safe for you to fly back home.
• The best travel insurance in UK, Europe will cover cover a whole array of adventure activities like snorkeling and water skiing.
• Travel insurance has also got your back in case of missed departure , delayed departure of 12 hours or more, and cancelling, cutting short, or amending your trip.

Must Read: 10 Legendary Restaurants In United Kingdom

Eligibility Criteria For Buying Travel Insurance In UK

Suggested Read: 15 Vibrant Festivals In United Kingdom That Are Rejoiced With Ultimate Splendor

Claims Process For Travel Insurance In UK

The first step is to report any crime to the local police before you make your claim and note down the incident number. The next step is to contact your insurer as soon as possible. Most provide a 24*7 emergency helpline you can call, which will be on your policy document.

Make sure to keep receipts and record any evidence that may be needed to process your claim, for example if you have the receipts for any items stolen, or medical certificates if you have gone to the hospital. Your insurer may send you a claims form to complete and return with supporting evidence like photos and receipts. Most travel insurance companies in UK will give you 31 days to make a claim.

Suggested Read: United Kingdom In Winter: See Where All You Can Go To Enjoy It!

How To Choose the Best Travel Insurance

Here are a few points that you must consider before purchasing a family plan for travel insurance in India:

• It is essential that a policy covers the cost of medical emergencies. Claims can easily stretch to tens or even hundreds of thousands of pounds, particularly if you have to stay in hospital.
• Go for a policy allow you to adjust the excess you pay. The higher the excess, the lower the premium.
• Pick the right sum insured based on your age and marital status.
• Opt for travel insurance from an insurance company that has a high claim settlement ratio.
• If you’re pursuing sports activities on your holiday, make sure that your travel insurance in UK covers sports such as water-skiing, jet skiing, pony trekking, and mountain biking.

Further Read: 10 National Parks In United Kingdom That Will Bring You Closer To Nature

The United Kingdom is gifted with architectural history and lush landscapes. Though planning a holiday to the country is all fun and games, you never know what hurdles you might face in a foreign land. Travel insurance in UK will help take care of all your worries and ensure your journey to United Kingdom is safe and mirthful. Book your trip with TravelTriangle to customize the trip according to your requirements.

Frequently Asked Questions About The Best Travel Insurance In UK

Do I need travel insurance for the UK?

Although travel insurance is not obligatory while traveling to the United Kingdom, but it is advisable to have a travel insurance policy before traveling to the UK.

What is the best travel insurance company in the UK?

The following are the best travel insurance companies in the UK: 1. Aviva Travel Insurance 2. John Lewis Finance Travel Insurance 3. Liverpool Victoria Travel Insurance 4. Age Co Travel Insurance 5. M&S Travel Insurance

Can you buy travel insurance when you’re already abroad?

Yes, it is possible to buy travel insurance while you’re already abroad. There is no need to worry if you forget to buy travel insurance before departing.

Can I buy travel insurance for anyone else?

Yes, it is possible to buy travel insurance on behalf of anyone else.

Do babies need travel insurance?

Yes, everybody in the family essentially needs to have their travel insurance. The insurance will protect in case of an accident or medical care.

How long should a travel insurance claim take?

A travel insurance claims take a time duration of at least three to four weeks.

Can you claim on 2 travel insurance policies?

Yes, it is perfectly legal, but it is complicated to have two insurance policies at the same time.

How much does travel insurance cost?

Generally, travel insurance costs 4-10% of the total tour cost. You have to pay something around $250-$500 to buy a travel insurance plan.

What kind of travel insurance do I need for a Schengen visa?

Europ Assistance Travel Insurance and AXA Travel Insurance provide the required documents for a Schengen Visa.

Can I cover my children in the travel insurance for UK?

You can include your children as long as they are under 18 when the policy starts, in full time education (cover will cease immediately if they’re no longer in full time education).

When can I purchase a travel insurance online?

Travel insurance policies in the UK can only sell you a policy up to three months in advance of the policy start date.

Do I need to let you know every time I travel?

No, your insurance company doesn’t need this information as long as you make sure your travel insurance policy is up to date before you start your trip.

Should I declare my pre-existing medical conditions on my travel insurance?

It’s important that all pre-existing conditions are declared on your travel insurance. This will avoid large medical bills if you need treatment in another country.

Can I make changes to my policy even after I’ve bought it?

If something changes with your medical conditions before you go on a trip, you need to tell the insurance company about it as soon as possible, or it may mean you aren’t covered for a claim later on.

Recent Posts

15 choses à ne pas faire à Dubaï en 2024, sinon vous vous retrouverez dans de graves problèmes pendant vos vacances.

Top 8 Amusement Parks In England For An Amazing Day-Out

5 Amusement Parks In London To Visit For A Fun-Filled Experience

7 Essential Tips For Solo Travellers To Enjoy A Hassle-Free Travel Experience

These Greece Travel Tips Are All You Need To Turn Your Vacation Into A Delight

10 Imperative Israel Travel Tips You Must Know Before You Set Off On Your Journey

Trending Blogs

20 Mysterious Places In India To Visit In 2023 More Bizarre Than The Bermuda Triangle

10 Scariest Roads In India That Are A Driver’s Nightmare

101 Places To Visit In India Before You Turn 30 in 2024

35 Exotic Places To Visit In December In India 2024 To Enjoy A Surreal Vacation

60 Best Honeymoon Destinations In India In 2024

95 Best Honeymoon Destinations In The World In 2023 For A Romantic Escape!

Best Places To Visit In India By Month

Best places to visit outside india by month.

• TravelTriangle
• International
• United Kingdom »
• Tour Packages
• Honeymoon Packages
• Family Packages
• Budget Tour Packages
• Luxury Tour Packages
• Adventure Tour Packages
• Group Tour Packages
• Maldives Tour Packages
• Bali Tour Packages
• Dubai Tour Packages
• Singapore Tour Packages
• Thailand Tour Packages
• Europe Tour Packages
• Sri Lanka Tour Packages
• Tour Packages From Delhi
• Tour Packages From Mumbai
• Tour Packages From Bangalore
• Tour Packages From Chennai
• Tour Packages From Kolkata
• Tour Packages From Hyderabad
• Tour Packages From Ahmedabad
• Thailand Tourism
• Bali Tourism
• Singapore Tourism
• Maldives Tourism
• Mauritius Tourism
• Dubai Tourism
• Europe Tourism
• Hotels in Thailand
• Hotels in Maldives
• Hotels in Mauritius
• Hotels in Bali
• Hotels in Dubai
• Hotels in Singapore
• Hotels in Sri Lanka

Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

Top Travel Insurances for the UK You Should Know in 2024

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:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

United Kingdom Travel Insurance

Embark on your travels with confidence and tranquillity, knowing that United Kingdom Travel Insurance has your back. Our comprehensive coverage extends from emergency medical treatment to protection against unexpected expenses, ensuring that your journey is not only memorable but also worry-free. 

Whether you’re exploring the picturesque landscapes of the UK or jet-setting for an international holiday, our travel insurance is designed to provide peace of mind, covering everything from emergency medical expenses to personal belongings. 

Trust us to be your reliable companion as you navigate the exciting world of travel, offering protection for pre-existing medical conditions, personal liability, and even specialized plans for business travel or winter sports. With United Kingdom Travel Insurance, your safety is our priority, allowing you to fall in love with the adventure while we take care of the details.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

Key Features of our UK Travel Insurance

Emergency Medical Treatment: Our policies cover emergency medical treatment, ensuring that you receive the necessary care in unexpected health situations during your travels.

Coverage for Pre-existing Medical Conditions: Worried about pre-existing medical conditions? Rest assured, our travel insurance covers pre-existing conditions, giving you the confidence to explore the world.

Single-Trip and Annual Multi-Trip Options: Whether you’re planning a one-time getaway or frequent travels throughout the year, we offer both single-trip and annual multi-trip coverages to suit your specific needs.

Protection for Personal Belongings: Safeguard your belongings with our coverage for personal belongings, ensuring you’re covered in case of loss or theft during your travels.

Emergency Medical Expenses: In the event of unexpected medical expenses, our travel insurance provides financial support to cover the costs incurred, both within the UK and abroad.

Peace of Mind for UK Trips: Enjoy peace of mind knowing that our UK travel insurance covers emergency medical care and unexpected costs even when you’re exploring the beautiful landscapes and historic sites within the United Kingdom.

Specialized Plans for Winter Sports and Business Travel: Tailor your coverage with specialized plans for winter sports enthusiasts or business travelers, ensuring you have the right protection for your unique travel needs

Why Choose Our Travel Insurance?

Comprehensive Coverage: From emergency medical costs to personal liability and unexpected expenses, our travel insurance provides comprehensive coverage to address various travel-related concerns.

Quick and Hassle-Free Claims: In the unfortunate event of a travel mishap, our streamlined claims process ensures quick and hassle-free resolution, allowing you to focus on enjoying your trip.

Dedicated Support: Our team is committed to providing the support you need, whether it’s guidance on coverage options or assistance during an emergency. We prioritize your safety and well-being.

Don’t let uncertainties hold you back. Choose our United Kingdom travel insurance for a secure and enjoyable journey, knowing that you have a reliable partner by your side. Explore with confidence, and make the most of every moment on your travels!

Understanding UK Travel Risks

Common Travel Risks in the UK :

Weather-related Risks: Unpredictable weather conditions can impact travel plans.

Health and Medical Risks: Medical emergencies may arise, necessitating emergency medical treatment.

Theft and Security Concerns: Risks of theft or security incidents pose challenges for travelers.

Statistics on Travel Incidents in the UK:  Examining statistics on travel incidents highlights the importance of comprehensive travel insurance to mitigate potential risks and ensure a secure travel experience.

So Easy Travel Insurance Plans

Single Trip Insurance: Ideal for one-time travel needs, providing comprehensive coverage for the duration of the trip.

Annual Multi-Trip Insurance: Ensures continuous coverage for frequent travelers, offering flexibility and cost-effectiveness.

Family Travel Insurance: Tailored for families, providing comprehensive protection for all members during their travels.

Adventure and Specialized Plans: Customized plans catering to specific travel needs, such as winter sports or business travel.

Cost and Affordability

Transparent Pricing Structure:   “So Easy Travel Insurance” prides itself on a transparent pricing structure, ensuring customers fully understand the costs associated with their coverage. The pricing is clear, straightforward, and free from hidden fees, fostering trust and confidence among policyholders.

Factors Influencing Premiums:   Various factors influence insurance premiums, including the traveler’s age, destination, coverage type, and trip duration. Understanding these factors helps customers make informed decisions and tailor their coverage to suit their specific needs.

Value for Money Comparison:   “So Easy Travel Insurance” offers competitive pricing while providing comprehensive coverage. A value-for-money comparison demonstrates that policyholders receive excellent benefits for the cost, making it an affordable and worthwhile investment for travelers.

best places to visit in the united kingdom

The capital and largest city of England and the United Kingdom, standing on the River Thames in southeast England.

A fascinating city laden with history, filled with museums and art galleries, beautiful green parks, fantastic shopping and dining, a vibrant theatre scene, and, of course, royalty.

You can learn much about the country’s history from its museums, such as the British Museum, the Natural History Museum, and more.

Some of the best performances in the world can be found in London, with its lively theatre scene, and shopping lovers will enjoy Oxford Street and Knightsbridge, home to a variety of high-end retail stores.

Scottish Highlands

The Scottish Highlands is the rugged northern and north-western portion of Scotland, in the UK. The area is very sparsely populated, with many mountain ranges dominating the region, and includes the highest mountain in Britain, Ben Nevis.

The Highlands are home to many stunning castles including Dunrobin Castle and Eilean Donan Castle, a real picture-postcard castle, situated on its own small island in Loch Duich.

Only reachable by crossing a stone bridge it was remodeled several times into an ‘ideal’ castle and is well worth a visit, with some interesting rooms and exhibits. Scotland’s most famous lake, Loch Ness can also be found in the Highlands as well.

MULTI-TRIP TRAVEL INSURANCE

Annual multi-trip travel insurance could cover you for an entire year. However, there is a limit to the number of days you could travel consecutively, which is usually 15 to 92 days.

GROUP TRAVEL INSURANCE

Obtain travel quotes for groups. We can search the market-place for the quotes that match your firm’s needs.

By definition, travel insurance offers cover for accidents or mishaps when you’re abroad, usually for a short period of time. Most travel insurances, include medical cover. Additionally, some offer cover for lost baggage or flight cancellations.

We offer travel insurance to citizens around the world. You can get instant online travel insurance quotes and receive your travel health insurance policy confirmation via email.

Whether it’s a beach holiday with the family, a business trip, or a training trip away, at SoEasy international travel Insurance, you can buy the best single trip travel medical insurance and multi-trip travel medical insurance online.

Travel Insurance

Travel Insurance, Schengen visa travel insurance, Europe and Worldwide Single Trip and Multi-Trip Insurance policies.

Travel Insurance For UK From India

Travel insurance for united kingdom (uk).

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

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

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

The key benefits of a travel insurance UK plan

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

Travel Insurance for UK from India

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

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

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

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

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

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

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

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

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

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

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

Visa Information for the UK

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

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

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

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

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

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

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

Documents required for the UK visit visa application

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

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

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

Entry Information for Indian citizens to the UK

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

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

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

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

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

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

Travel Documents Required while Travelling from India to the UK

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

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

UK Travel: Safety and Precautionary Measures to be Undertaken

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

Covid-19 specific guidelines:

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

The Indian Embassy in the UK

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

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

Contact details of the High Commission :

Website : High Commission of India, London, United Kingdom

Email : [email protected] ;

[email protected]

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

Fax number : 020 - 78364331

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

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

International airports in the UK

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

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

Currency and Foreign Exchange

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

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

UK Tourist Places

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

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

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

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

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

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

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

Best Time to Visit the UK

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

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

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

Other Destinations

Disclaimer / tnc.

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

Related Articles

Why senior citizens travel insurance is must?

5 Myths of Travel Insurance

Going for a vacation. Here are five reasons you need travel insurance

How can i get a travel insurance uk plan.

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

• Medical coverage
• Baggage coverage

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

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

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

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

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

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

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