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Best travel insurance UK 2024 guide

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

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

Why do I need travel insurance?

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

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

There are three main types of travel insurance:

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

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

How to find the best travel insurance policy

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

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

Best travel insurance deals and discounts

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

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

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

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

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

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

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

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

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

Going direct

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

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

Bundled coverage options

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

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

What is covered by travel insurance?

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

Medical coverage

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

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

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

Trip cancellation/interruption

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

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

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

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

Baggage cover

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

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

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

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

Personal liability

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

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

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

Limits: 

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

Finding the best travel insurance with Covid cover

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

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

What Covid-related cover to look for

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

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

Travel insurance providers with comprehensive Covid cover

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

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

Direct Line

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

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

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

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

Tips for selecting the best UK travel insurance packages

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

Coverage limits

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

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

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

Deductibles/excess

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

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

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

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

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

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

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

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

Pre-existing conditions

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

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

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

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

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

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

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

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

Add-on options

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

Gadget insurance

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

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

Winter sports/adventure activities

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

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

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

European FCDO travel advice extension

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

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

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

Best holiday insurance summary

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

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

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

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

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

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

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Laura Miller

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

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

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

Connor Campbell

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

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

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

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

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

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Reliance Schengen Travel Insurance

Reliance General Insurance Company Limited is wholly owned subsidiary of Reliance Capital, of the Anil Dhirubhai Ambani Group. The company has strong presence in large number of cities and offers products for both individuals and corporate. It was one of the first companies to receive ISO 9001:200 certification across all its functions and products.

Toll Free - 1800 3009

Reliance Schengen Travel Insurance is a policy that covers you against unexpected medical and financial emergencies, during your trip to Schengen countries. The policy offers protection against trip cancellation, hospitalization, loss of baggage, etc.

Unique Features of Reliance Schengen Travel Insurance

Minimum sum insured of €30,000, as per the Schengen Visa requirements

Specially designed plans to meet the compulsory insurance requirements for Schengen Visa

Coverage in Euro

Coverage of pre-existing disease in case of life threatening situations

24 hours Emergency services offered through Emergency Assistance Service Provider

Insure your Europe trip at prices starting as low as Rs. 401/-

No medical check-up till the age of 60 years

Eligibility Criteria for Reliance Schengen Travel Insurance

Product benefits of reliance schengen travel insurance, exclusions for reliance schengen travel insurance.

• Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
• Any Pre-existing Condition or any complication arising from it
• While under the influence of liquor or drugs.
• Through deliberate or intentional, unlawful or criminal act, error, or omission.
• Whilst participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
• Any pre-existing injury or condition
• Pregnancy except from ectopic pregnancy
• Racing on wheels or horseback, winter sports, canoeing in white water rapids and bodily contact sports
• Treatment rendered by a doctor who shares the same residence as the insured or who is a member of the insured persons family
• Mental illness, stress, psychiatric or psychological disorders

Here’s a list of things your policy won’t cover:

• Pre-existing medical conditions, unless it’s a life-threatening condition
• Expenses incurred due to suicide, self inflicted injury, mental disorder, alcohol/drug abuse, HIV/AIDS
• Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities
• Traveling against the advice of a physician
• Loss of checked baggage - no partial loss or damage shall become payable
• War or nuclear threat in the country where you’re travelling

Claim Process for Reliance Schengen Travel Insurance

Service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.

Service Provider details

National Toll Free No. 1800-209-55-22 Land line No's : (+91-22-67347843*/ 44 *) (Charges Applicable) Fax: (+91 22 6734 7888) Email Id: [email protected]

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• Call Us: 86559 86559
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Travel Insurance

Single trip travel insurance.

Nearly packed and ready to go? Don't leave without getting a quote from us.

Planning your annual getaway?

If you're planning a one-off getaway, our Single trip travel insurance may be the option for you. A policy for a single trip that starts and ends in the UK. The maximum trip duration is dependent upon your age.

• Aged 18-65 years - 365 Days
• Aged 66-75 years - 62 Days
• Aged 76-100 years - 31 Days

What's included?

Here's what you can get with our Single trip travel insurance :

Cover for Covid included as standard  - Cancellation and medical expenses are covered by us, as standard, if you’re diagnosed with Covid-19.

Optional extras – a variety of optional extras are available so you can tailor your cover to your needs, these range from Winter Sports Cover, to Car Hire Excess Waiver and more (fees apply).

24/7 emergency helpline - Help if and when you need it, 24 hours a day, 365 days a year.

Cover for medical expenses - up to £20 million of cover for medical expenses – if you choose our Rias Platinum Travel Insurance.

• Manage your account online 24/7 - Review and check details of your cover or download documents.

1. Choose your level of cover:

Rias Silver Travel Insurance

Rias Gold Travel Insurance

Rias Platinum Travel Insurance

2. Then tailor it your to suit your travelling needs.

For full details on the terms of cover, exclusions and limitations, please read our policy wording .

Each section of cover detailed in the tables below shows the most you can claim. All cover limits and excesses* shown are per person and apply to each insured trip separately.

Where a claim is made for the same incident only one excess will apply per trip, per insured person (max 2). An incident is one single scenario where more than one claim is made under different sections.

*excess payable only when applicable, please check policy wording for more detail. 

Optional Sections of Cover

Winter sports cover, cruise cover, car hire excess waiver, gadget cover, take a look at our optional extras.

Select our Cruise Cover to help with 'Missed Ports' and more.

Select this add-on to cover your golf equipment, green fees and more.

Add this for winter sports equipment cover and more.

Add this optional extended cover for your gadgets.

Select our optional car hire excess waiver, for up to £2,000 cover.

United Kingdom Travel Insurance

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

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

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

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

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

Medical Benefits: 

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

Baggage Benefits: 

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits

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

Additional Optional Travel Benefits:  

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

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

Why? There are several reasons:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

UK Travel Insurance FAQs

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

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

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

2. Do Americans need travel insurance for the UK?

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

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

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

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

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

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

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Reliance Insurance Online

Travel Insurance

Reliance travel insurance, destinations, reliance travel medical insurance - key features.

• Plan life 6 months and renewable up to 6 months
• Coverage available up to the age of 90 years

Pre-existing condition coverage

• Preexisting diseases are covered in case of life threatening only for travelers below 70 years
• Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness)
• Some of the preexisting diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes
• Whether declared or not declared, 70+ Senior citizens are not covered for pre-existing diseases.
• Option of buying a Family Floater plan for travelers less than 60 years.
• Comprehensive plan (full $50,000 coverage) for senior citizens between 71-80 years.
• Covers hospitalization medical expenses and OPD/ doctor visits including pharmacy bills.
• Covers for Trip Cancellation, Missed connection, Baggage loss, passport loss, Home burglary and more.

Reliance Overseas Travel insurance extension/renewal while outside India

Indian overseas travelers who are stranded outside India due to coronavirus and are unable to travel back want to extend or renew Reliance travel insurance online . These travelers can complete the Reliance international travel insurance renewal request form online and we will try to get an approval for you.

Reliance Travel Insurance Review

Sum insured.

USD 50,000/ 100,000/250,000/500,000

Tenure Options

180 days( can be extended for further)

Age of Entry

180 days to 99 years

Reliance international travel medical insurance India - Useful links

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Travelers who have already traveled from India and do not have insurance can buy Reliance travel medical insurance.

Download Reliance brochure online!

In case of Claim or reimbursement of treatment expenses, notify Reliance overseas travel insurance.

Reliance Indian travel medical insurance coverage for pre-existing conditions.

Travel insurance customers can renew their existing policy online before the exipry date at any time.

Overview of Reliance Travel Insurance

Reliance Travel Care Insurance policy provides comprehensive cover for you and your family when you globe trot. Reliance Travel Care goes beyond just health insurance and provides you with a wide range of travel related covers to make your trip stress-free. Reliance travel Care insurance plan can be purchased online using your credit card, debit card or cheque. Travelers should compare Reliance travel insurance plans online before buying it. Reliance overseas travel medical insurance covers for the insured's unexpected medical and non-medical expenses. Travelers traveling overseas can buy travel insurance online using different modes of payment. Even the children being anywhere in the world can purchase reliance travel medical insurance for their parents traveling from India. In reliance travel Care insurance policy, there are two types of medical expenses, one is reimbursable medical expenses where the traveler has to bear all the expenses and claim for reimbursement later. The second type of medical expenses is due to hospitalization for more than 24 hours. In such a case the billing will be done directly to the hospital from the insurance company. In either of the case, the traveler has to bear the deductible. Please refer the brochure of Reliance travel insurance for the benefits offered by the plan and its policy wordings which explains the terms and conditions. You can get the complete quotes using the Reliance travel insurance premium chart . You can also complete an online Reliance travel insurance proposal form. You can renew/extend the plan using Reliance travel insurance extension form on expiry. You can buy your policy online through our various payment options like Paytm, SBI buddy, Mobikwik, freecharge, Net Banking, Oxigen, Debit/Credit card etc available for your convenience.

Benefits of Reliance travel medical insurance

• Reliance travel medical insurance is available as Standard ($50,000), Silver($100,000), Gold($250,000) and Platinum($500,000)
• Wider duration can be covered up to 182 days, which is extendable up to 365 days.
• Insurance policy provides coverage for sportspersons subject to certain conditions.
• No Medical Check-up available till the age of 90 years.
• Common coverage for family up to 60 years for 182 days.
• Senior citizens (71-80 years) can buy online the travel medical insurance for $15,000 and $50,000 coverage without medical check-up. Senior citizens (81-90 years) can buy the policy for $50,000
• Comprehensive $50,000 without medical sublimits plan for Senior citizens (71-80 years).
• This insurance plans gives comprehensive coverage through various unique benefits like Compassionate visit, Home Burglary Insurance, Financial Emergency Assistance etc.
• This insurance gives coverage of pre-existing ailments in case of life threatening situations (as per terms and conditions)
• Automated extension of policy in case of medical emergency and evacuation(up to 30 days) and delay of common carrier(upto 7 days) beyond policy expiry.
• 24 hours emergency cashless services offered through emergency assistance service provider.

Reliance Covid19 travel insurance

Reliance travel health insurance - faq's.

Reliance insurance travel offers coverage for children aged above 6 months up to the age of 80 years. For travelers over 80 years, Reliance requests medical checkup before issuing the policy.

Yes, the applicants must buy Reliance Travel Care policy online before leaving India. If you are outside India, it will require special approval from the underwriting team for you to buy travel insurance.

Yes, Reliance insurance travel does provide cashless settlement worldwide provided the policy holder stays for a minimum of 24 hours in the hospital. For less than 24 hour hospitalization the medical expenses will be paid for on an reimbursement basis.

• Call the relevant number specified in the policy and intimate the company or assistance service provider about the planned hospitalization.
• The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
• On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
• If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder has planned to take the treatment.
• This claim will be cashless after deductible as per policy terms and conditions.
• Call the relevant number specified in the policy and intimate the company or assistance service provider as early as possible.
• If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder is taking treatment.
• Call the relevant number specified in the policy and intimate the company or assistance service provider either before visiting the doctor or immediately after visiting the doctor.
• Pay from your pocket and claim for reimbursement later.
• Register your claim.
• As per the guidance of the claims department, submit all the relevant documents and medical bills to the specified address.
• Verification and authentication of the submitted bills.
• If your claim is approved, after deductible the eligible claim amount equivalent in Indian currency is reimbursed to the policy holder.
• Any claims before the insurance start date and after the insurance end date are not payable.
• Any pre-existing condition unless it is life-saving emergency condition.
• Traveling abroad only to take medical treatment or traveling against the advice of the physician.
• Policy holder taking part in a naval, military or air force operation.
• Any claim caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
• Any claim arising out of mental disorder, anxiety, stress, depression, HIV / AIDS
• Any claim arising out of sporting activities.
• Any act of terrorism, war and more.

Reliance travel health insurance can be purchased initially for 182 days and later can be renewed for another 182 days provided good health, no claim declaration and approval from the Reliance head office.

Reliance international travel insurance is one of the more popular Indian overseas travel insurance policies among Indians. It is a top rated Indian travel insurance company that has been offering International travel services to Indians. It offers Global medical insurance coverage for emergency medical expenses arising from sickness or injuries from accidents while outside India. Travelers can enjoy the cashless hospitalization benefit and Reliance insurance has good claims settlement ratio.

After buying the Reliance overseas travel insurance policy online, an email of the policy document will be emailed to the email ID provided in the application. Travelers can use this Reliance travel health insurance document and take a printout of the same which has all the relevant details and is very useful document while abroad and if you need to use the travel insurance.

You can renew the Reliance policy online . Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the Reliance insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Reliance travel insurance plans details

Reliance senior citizen travel insurance.

• Senior Citizen- 71-80 yrs - $15,000, $50,000 with sublimit and $50,000 without sublimit plan.
• Senior Citizen- 81-90 yrs - $50,000 coverage.

Reliance individual travel insurance

Reliance family travel insurance, reliance travel care insurance policy online.

• Medical treatment abroad being the sole or one of the reasons for temporary stay abroad
• Treatment which could be delayed till return to India
• Expenses in excess of reasonable and customary charges as per the determination by the EASP/Company.
• Treatment of orthopedic, degenerative, oncological diseases, cancer, unless it is life threatening condition or acute pain
• Expenses related to mental or psychiatric disorders and Cosmetic treatment or 'plastic' surgery in any form or manner.
• Expenses incurred for rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
• Pregnancy, childbirth and related treatment or consequences thereof except in case of life threatening situation of the Insured or child.

• Expenses incurred on acute anaesthetic treatment of a natural tooth or teeth
• The deductible will be applicable for each separate claim
• However, dental care rendered necessary as a result of an accident shall be subject to the limit of cover and deductible

• resulting in permanent disablement or death within 12 (twelve) calendar months of occurrence of such injury
• solely & directly caused by accidental, violent, external & visible means
• Compensation is limited to the Sum Insured as per the table of benefits
• Compensation is payable only in Indian currency.

• Covers injury sustained by Insured, which results in loss of life while riding as a passenger in any common carrier
• is any civilian aircraft that does not hold a current & valid Airworthiness Certificate
• is piloted by a person who then holds a current & valid certificate of competency

• Provides for a daily allowance, in case of hospitalization for more than two consecutive days due to a disease / illness or injury sustained or contracted within the period of insurance while on the trip.
• This benefit can be claimed only once during the Policy period

• Loss of passport due to theft unless it has been reported to the police within 24 hours of knowing about the theft & a written police report is obtained and due to delay or confiscation or detention by the customs, police or public authorities.
• Loss due to being left unattended or forgotten in a public place/transport, hotel or apartment

• Items that are not declared.
• Loss due to complete / partial damage of the checked-in baggage.
• Items contained within the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership.
• Any checked-in baggage loss in India
• Losses arising from any delay, detention, confiscation by customs officials or other public authorities.
• Maximum amount payable per checked-in baggage, is 50 % of the SI. In case of only one bag being checked-in, the amount payable is 100% of the SI
• The amount payable for any one article, pair/set is limited to the amount specified in the Schedule
• Once the company has made any payment under this benefit any recovery from any common carrier shall become the property of the Company.
• Total loss or damage of individual unit(s) of baggage shall not be construed as partial loss.

• Valuables, money, securities, tickets & passes or any other item(s) not declared
• Loss due to complete/partial damage of the checked-in baggage
• Losses arising from any delay, detention, confiscation by customs officials or other public authorities
• Items contained in the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership

• Termination of employment or layoff affecting the Insured or the Traveling Companion, provided that the he/she, has been employed with the employer for at least five continuous years
• The Insured being abducted or quarantined
• Delay by the common carrier
• Lost or stolen passport, travel documents or money
• The Insured or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured, any of his/her Family Member, the Traveling Companion or Traveling Companion's Family Member has been a principal or accessory in the commission of the felonious assault
• A terrorist incident in a City/destination listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival

• Unforeseen disease, illness, injury, death of the Insured /Traveling Companion/Family Member
• Inclement weather conditions causing delay
• Insured’s place of stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster
• The Insured or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured, any of his/her Family Member, the Traveling Companion or his Family Member has been a principal/accessory in the felonious assault
• A terrorist incident in a destination listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival
• Return to India; or
• From the place that the Insured left the trip to the place that the Insured may re-join the trip
• Additional transportation expenses incurred by the Insured to reach the original trip destination if the Insured is delayed, & leaves after the trip departure date

• Additional transportation costs to join the trip
• Reasonable accommodations and meals
• Non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source.
• The common carrier must certify the delay of the regular scheduled airline flight

• This provides cover to the Insured if he /she becomes legally liable to a third party for causing death, injury or damage to the health of such third party or damage to his/her properties
• The incident should have occurred during the period of insurance & whilst on a trip

• Provides financial assistance in the event of a financial emergency arising due to theft, mugging, robbery, dacoit of the funds, where the amount is limited to the Sum Insured
• The Company shall have the sole discretion to determine whether a financial emergency has occurred in any instance

• Provides an allowance in the event of hijack of a common carrier in which the Insured is traveling on a trip.
• Deductible applicable for each separate claim & shall be of an amount as specified in the Schedule

• Payment of compensation for any loss or damage sustained by the Insured due to burglary &/or attempted burglary, to the contents at Insured’s home in India on first loss basis while he / she is on the trip
• Jewellery will be covered as part of contents up to 20% of the SI or actual whichever is less

How to buy Reliance overseas travel insurance

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Resourceful Reliance travel insurance links

Travelers aged from 6 months to 99 years can buy this plan online without any paper work.

Suitable for travellers who travel frequently for a shorter duration of 45 days multiple times within a year.

Travel Asia Insurance is a special package devised for individuals travelling to Asia for a shorter duration of 30 days.

Reliance senior citizen travel insurance can be obtained for $50,000 coverage without giving any medical reports.

Reliance offer Europe travel insurance plans which are approved by VFS center.

Buy Reliance family travel medical insurance online.

Find out more about Reliance Indian travel insurance

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Answers to FAQ related to Reliance travel insurance for visitors from India.

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Customers testimonials.

Thanks for your help NRIOL customer support team, I have booked the policy online

Dear NRIOL team, Thanks a lot for the quick response!

Thanks a lot for your excellent customer service.. Appreciate your call and explaining the policies satisfying my needs.

This is my second time buying the Travel Insurance from NRIOL and very happy with the assistance received...thanks ! Pls continue do the great work !!

Good experience. Dear Team Thank you for your kind help in doing the travel health insurance for my family.It was a good experience.

Thanks very much , your prompt response / help is appreciated

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Well it was a long long phone call

Well it was a long long phone call: my bank refused my payment and warned that this company was maybe a scam. I was in tears as they had taken £100.00 deposit. Kevin talked me through each step kindly and with patience. He called me back several times so that I did not get lost in the system of bank checks etc.. He offered to refund my deposit if I was not happy and eventually we secured my return flight to Australia with comfy seats and a good timing schedule. So far so good. I will return with another review after the event. I fo so hope it all goes well. Thank you Kevin.

Date of experience : 16 April 2024

David was amazing and helpful and…

David was amazing and helpful and supportive throughout the process of reserving our seats for our 1st burgundy experience with Qatar Airways ! It's our 15th wedding anniversary the day we depart to Thailand so I wanted to get everything in place early , David arranged all 8 seats for our inbound and outbound flights with patience and grace and has made what will be an amazing holiday even better ! Thank you David and Qatar Airlines , we can't wait to travel with you , David you are a superstar ! Kind Regards Grant and Samantha x

Date of experience : 19 March 2024

Amos has excellent customer service…

Amos has excellent customer service skills . Very polite and patient throughout the booking and very quick reply to all my queries . Hope if this standard is maintained in future .really appreciate his efforts .

Date of experience : 27 March 2024

Fraud by Reliance Travels and Qatar Airways

I wanted to book specific seats in Business Class but the on-line booking wasn't working so I requested a call back. I was called by Reliance Travel working as an agent for Qatar Airways. They took details of my required seats for four flights and also took my payment. A few days later I got confirmation of the seat allocations. Only one flight was booked as requested. Two flights had different seats booked and and one had no reservation made at all. I have tried to resolve through Reliance Travel but they blame Qatar Airways. I have tried to resolve through Qatar Airways with no response initially. I then raised with them as a fraud. I have had an automated response to this but no resolution. All this started back in October 23. What appalling service! I shall be taking further.

Date of experience : 19 October 2023

OVI shaw fantastic booking assistance

I was having trouble with booking on line so I phoned direct to reliance travels. I was dealt with OVI SHAW what a brilliant guy so helpful I am not good with these things but OVI. Was so patient and helpful. Out of 100. I would give him 150 👍👍👍👍👍

Date of experience : 04 April 2024

Proper travel agent hero

Lee is my hero when it comes to travelling now. It’s so much easier to go to him when I need travel arrangements, instead of trawling through hours of internet searches looking for flights. I just message him now with my ideas for travel and he gets back to me with options and prices. He has consistently found better deals for flights for me than I could using google! He has just helped me with extending my holiday in Australia, getting a deal by using my original ticket as part payment instead of having to buy a completely new fare. I would never have been able to accomplish that by myself using the internet.

Date of experience : 14 December 2023

Jordan could not have been more…

Jordan could not have been more obliging or helpful. He went out of his way to give us an outstanding service. He managed to obtain for us a fantastic deal to Thailand. Nothing was too much trouble. I was very very impressed with this travel agency and will certainly use them again in the future.

Date of experience : 28 February 2024

A relatively good experience

A relatively good experience Matthew was super helpful given the short time frame! Thank you

Date of experience : 08 April 2024

awesome service by Sarah Alison

awesome service by Sarah Alison On a number of occasions now, I've purchased some airline tickets through Reliance Travels. Each time, the quality of service offered to me is always second to none. Sarah really knows what she's talking about as well as how to stitch together even a complex multi stop travel itinerary, at the best price possible. I highly recommend Reliance Travel and particularly Sarah who is always so polite and genuinely helpful.

Date of experience : 28 November 2023

Outstanding Service from Ovi Shaw

Thank you Reliance Travels Ltd to have an amazing staff like Ovi who have been so helpful, listen to customer need, friendly service, etc. He has a very good knowledge and looking after customers need 👍. A very big THANK YOU to Ovi and will recommend to others, will be using Reliance Travels Ltd in future (Singapore Airlines).

Date of experience : 31 August 2023

Planning to Bangladesh but tickets are…

Planning to Bangladesh but tickets are still high demand with prices tag! Doing like shop around searching reasonable price tickets with good airline? Finally got through the right number and kind person over the phone 😊 Name is Matthew ,helped me to get our desired tickets with perfect airline and fantastic time with schedule. Really appreciate his support and hard work. Definitely in future I will contact him for my self and family and friends. Thanks a lot . Have a great day. Fazleh RABBANI.

Date of experience : 03 July 2023

Nelson organised my travel to Mauritius…

Nelson organised my travel to Mauritius with a set of professional standards He has been polite and courteous to me at all times. He would ring me to explain things and dealt with my queries When I had to change plan he was always there to reassure me I give him 150 percent Thank u Nelson God bless

Date of experience : 02 November 2023

I would like compliment Ryan for…

I would like compliment Ryan for providing his 5 star customer service. He was extremely helpful, attentive, compasionate, thorough and generous. He assisted us with hard to find flights, helped with seating and Checkin, Ryan offered us accomodation and booked us a centrally located and affordable hotel which provided breakfast. We would not hesitate to recommend Ryan to help our family and friends with future travel plans. Ryan is a credit to your cooperation and we hope you appreciate him and look after him. Ref 37718-UT/ Relic UCC7QM Kind Regards Luigina Bonaddio

Booked &paid deposit to travel to goa India. The invoice stated Genoa Goa . ( Italy) Reliance would not change destination till full fare paid which i wasn't prepared to do. Would return deposit. I tried to claim charges back from my C/C who says the travel company did nothing wrong and refused to refund deposit. Discusting and in my opinion very unfair treatment. Dont use this company!

Date of experience : 06 November 2023

Holiday of a lifetime to Australia

Holiday of a lifetime to Australia. I am an older lady with some technical skills. I have booked my flight to Australia with the help of David Thomas. He has been absolutely fantastic taking me through ever step if the way He has been so kind and patient with me explaining everything that I need to know. I have no hesitation in recommending him and the company to anyone..

Date of experience : 15 September 2023

Best Services

I am glad to share my experience that as always with Reliance Travels, Michael was knowledgeable polite and extremely helpful. he called back when agreed and sorted out all the details of my Turkey vacation efficiently. All information about flights, transfers and hotels was explained. We never got the feeling that he was 'selling us' our trip, rather making sure that we got what we wanted at a price that was agreeable. 5 Star Services.

Date of experience : 09 May 2023

Great service from David T

I dealt with David T who I found to be very professional and so helpful getting me the flights times I needed. He did give me good prices for 2 separate Emirates return flights. He was extremely thorough taking all the relevant details for these trips and was an absolute pleasure to deal with - 10 ******** really. He even said he’d contact me again when I needed to check in which is really helpful. It was especially refreshing to deal with a pleasant person too rather than a blinking automated service. Thank you David, I hope to book with you again.

A very helpful and efficient company

I am not very computer literate, but the lady called Adeeba really helped me through the entire process. I cannot thank her enough for making the experience so straightforward. As far as the company goes, to me it is a very reliable provider, and if required, I wouldn’t hesitate to book through them again.

Date of experience : 13 October 2023

Alex is very patient & helpful!

Alex was very helpful and patient with me in organising my Qatar Airways flights to Koh Samui for a trip I’m planning to take in March 2024. I didn’t feel under any pressure; he explained things to me when I sought clarification. Alex is an asset to Reliance Travels Ltd.

Date of experience : 24 October 2023

Today i was helped by Ovi.

Today i was helped by Ovi. He quickly took away my anxiety i was feeling through having my flights changed twice in 3 days and worked tirelessly to change my flights with no hassle, he even changed my details over from the original company i booked with as the reviews about them were concerning. Stay blessed Ovi. Someone promote this man!!!

Date of experience : 16 November 2023

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Your Quote Details

Key Benefits:

• € Medical Sum Insured - 30,000
• € Personal Accident - 10,000
• Compassionate visit

Tax Excluded

• Medical Sum Insured - $500,000
• Personal Accident - $30,000
• Personal Liability - $250,000
• Medical Sum Insured - $250,000
• Personal Accident - $25,000
• Personal Liability - $200,000
• Medical Sum Insured - $100,000
• Personal Accident - $20,000
• Personal Liability - $100,000
• Medical Sum Insured - $30,000
• Covers Loss of Passport & checked baggage
• Covers trip delay
• Medical Sum Insured - $25,000
• Covers loss of passport & checked baggage
• Covers Loss of passport & checked baggage
• Daily Hospitalisation Allowance
• Medical Sum Insured - $50,000
• Personal Accident - $15,000
• Medical Sum Insured - €30,000
• Personal Accident - €10,000
• Medical Sum Insured - €50,000
• Personal Accident - €15,000
• Personal Liability - $50,000
• Personal Liability - $150,000 & more ...
• Personal Liability - $100,000 & more ...
• 2 way Compassionate visit

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Schengen Travel Insurance

Switch to Reliance General Insurance. Trusted by 3 Crore+ Indians

• No Paperwork
• No Medical Check-up
• 26 Countries 1 Policy
• Cashless Hospitalisation Worldwide

• Plan Details
• Manage Travel Claim
• Download Resources

What is a Schengen Travel Insurance Policy?​

Schengen travel insurance policy is a compulsory travel medical insurance for visiting Schengen countries. This area-specific travel insurance protects you against a wide range of medical and other emergencies during your Schengen trip. A Schengen travel insurance plan offers coverage for emergency medical hospitalisations, accidental medical expenses, passport loss, baggage loss, luggage delay and other travel-related contingencies.

Just as you need an American Visa to visit the USA, you need to have a Schengen Visa to visit Schengen countries. You’re required to submit some documents to initiate the Schengen Visa application process. One of these documents includes Travel Insurance for Schengen Visa, which allows you to move freely in Schengen countries. It ensures that you have the compulsory minimum medical coverage of EUR 30,000 to secure you in case of medical emergencies.

Our Reliance Travel Care Policy: Schengen Plan provides coverage for medical emergencies, passport loss, baggage delays, baggage loss, personal accidents and liabilities, accidental death and compassionate visits. It is your trusted #TravelKaYaar for a worry-free and seamless trip in the Schengen Zone. Unlock the doors to hassle-free exploration in the Schengen countries with Reliance Travel Care Policy: Schengen Plan today!

Why Do You Need Schengen Travel Insurance?

It is mandatory to have travel insurance and Schengen Visa to move freely in any of the Schengen countries. Besides this compulsion, it is important to buy Schengen travel insurance to cover yourself from unforeseen circumstances during your trip. Here are some of the reasons why you need to get Schengen Travel Insurance from Reliance General Insurance:

Coverage for Personal Items​

Lost luggage or stolen belongings shouldn't steal the joy from your Schengen trip. Reliance Schengen travel insurance plan provides a cover of up to EUR 300** to help you deal with situations like passport loss. In case of checked-in baggage delay or baggage loss, it helps you buy or reimburse the cost of purchasing necessary emergency personal items like toiletries, medication and clothing.

Protection During Medical Emergencies

Imagine you fall sick during your trip to Paris and need medical assistance. In such scenarios, Schengen travel medical insurance policy will cover medical expenses up to EUR 50,000**. This includes medical hospitalisation for any sudden illness or injury or COVID-like conditions, the cost of transportation to reach the nearest hospital or physician, accidental dental treatment and repatriation of mortal remains.

Coverage for Event Contingencies

If you accidentally injure or cause damage to a third party during your trip, Schengen travel insurance policy will help you to offer compensation of up to EUR 50,000** for third-party liabilities and damage. This will help you to travel worry-free and enjoy your trip to the fullest.

Benefits of Buying a Schengen Travel Insurance Plan

It is quite exciting to visit the Schengen countries – be it for personal business or leisure. More than just getting the mandatory travel insurance for Schengen Visa, you need to buy a Schengen travel insurance policy to protect you in case of unforeseen emergencies. Our Reliance Travel Care Policy: Schengen Plan offers a range of benefits to ensure you have a wonderful trip:​

Coverage for Lost or Delayed Baggage

We won’t let anything ruin your Schengen trip – not even delayed or lost baggage. Our Schengen travel insurance policy provides compensation of up to EUR 500** in the unfortunate event of the total loss of your checked-in baggage by a common carrier. It also reimburses up to EUR 100 for purchasing necessary items like medications, clothing and toiletries in case of baggage delays.

Support for Passport Loss

Anything can happen when you’re not careful – you may misplace your passport or even lose it. Worry not. Reliance Travel Insurance for Schengen provides reimbursement of up to EUR 300** to help you get a duplicate or fresh passport if you lose your passport during your Schengen trip.​

Medical Emergency Cover

Our Schengen travel medical insurance plan will take care of all your emergency medical expenses incurred during your Schengen vacation or stay. It will provide coverage of up to EUR 50,000** to help deal with emergency hospitalisation bills, transportation costs incurred for hospitalisation, and repatriation of mortal remains.​

COVID-19 Coverage

Nothing is worse than contracting the COVID-19 virus on your international trip. Reliance Travel Insurance for Schengen will help you take care of your medical hospitalisation and medical bills (up to the limits specified in the policy schedule) in case you’re diagnosed with this virus during your trip.

Third-Party Liability Cover

Accidents happen and sometimes you might involuntarily hurt or injure someone. Our Schengen travel insurance policy offers compensation of up to EUR 50,000** to help you cover any third-party liability/damages caused by you during your Schengen stay. Specifically, it provides coverage if you accidentally injure a third-party or damage their properties.

Compassionate Visit

Our Schengen travel medical insurance policy also offers the compassionate visit cover** to help you during emergency hospitalisation abroad. Suppose you’re travelling solo and get hospitalised for more than seven consecutive days during your Schengen trip. Our travel insurance plan for Schengen will ensure that you’re not left alone and arrange for one of your family members to be with you during your hospital stay.

Features of Reliance Schengen Travel Insurance Policy

Reliance General Insurance offers two plans under its Schengen travel insurance policy. Our Basic Plan is created for travellers looking for a Schengen travel insurance policy that offers the mandatory minimum medical coverage of EUR 30,000. However, if you’re someone who is looking for comprehensive protection for your Schengen trip, then our Standard plan is perfect for you. Check the below table to understand the different types of covers offered under our Schengen travel insurance plans:

What’s Covered under Reliance Schengen Travel Insurance Plan?​

Reliance Schengen Travel Insurance Policy covers the following:​

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury on your Schengen trip

Emergency expenses made for medical evacuation to​ India

Total loss of your checked-in baggage by a common carrier

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Emergency medical expenses incurred by you for any sudden illness, injury or death during your Schengen stay or vacation

Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days

Expenses incurred while transporting the insured’s mortal remains back home or toward burial abroad in case of an untimely demise

Compensation for a third party in case your involuntary actions result in someone’s demise, cause someone injury or damage to health or property​

What’s Not Covered under Reliance Schengen Travel Insurance Plan?​

Here’s a list of exclusions for your Schengen Travel Insurance Policy:

Expenses incurred if you are traveling against the advice of a physician and have to be hospitalised; receiving or are on a waiting list for specified medical treatment; travelling to receive treatment abroad; have been given a terminal prognosis for a medical condition

Expenses incurred due to suicide; self-inflicted injuries or illnesses; mental disorder; anxiety, stress or depression; Venereal diseases; Alcohol/drug abuse; and HIV/AIDS

War or nuclear threat in the country where you are travelling

Delay or loss of checked-in baggage

Claims arising out of non-disclosed and non-declared pre-existing medical conditions

Any issues faced due to theft or loss of passport when left unattended or if you don’t report the loss to local police authorities

Life-threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. You need to declare all pre-existing diseases while taking the international travel insurance policy​

Why Choose Us?

3 Crore+ Policyholders ^ Widely loved and trusted by our customers

98.6% Claim Settled​ # Hassle-free claims intimation and settlement

Personalised Plans Plans specially created to meet every need

Which are the Schengen Countries?

The Schengen Zone comprises 27 European countries, including Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. These Schengen countries have abolished their internal borders, enabling tourists to freely explore these countries via road, train or airplane without any restrictions. Here is the latest list of Schengen countries:

Czech Republic

Liechtenstein

Netherlands

Switzerland

How to Buy Travel Insurance for a Schengen Visa?​

Having a valid travel insurance plan is one of the prerequisites for your Schengen Visa application process. Thankfully, you can easily buy travel insurance online for Schengen countries through Reliance General Insurance. Just follow these steps and you are all set for your upcoming Schengen trip:

Step 1: Scroll up and give us your details including mobile number, email ID and travel destination.

Step 2: Select your plan and click on ‘Buy Now’.

Step 3: Check your premium details and enter your personal details, including passport number and nominee details.​

Step 4: Complete payment using your preferred mode of payment and get insured for your upcoming Schengen trip.

How to Apply for a Schengen Visa from India?​

You have to buy a travel insurance policy before you can apply for a Schengen Visa. You need to submit your duly filled Schengen Visa application form at least 15 days before the intended journey. However, it is advisable to submit your application at least a month before your journey as it may take up to 15 days to get your visa approved. Here are the steps to apply for a Schengen Visa from India:

Fill out the Schengen Visa application form.

Select the Schengen Visa type (Tourist Visa, Student Visa, Business Visa, etc.)

Collect all documents required for the Schengen Visa application process

Schedule a Visa interview and submit your Schengen Visa application form.

Pay the Visa fees and wait for your application to be accepted

Documents Needed for a Schengen Visa​

Here’s a list of documents you need to apply for a Schengen Visa:

​A Schengen Visa application form (you can download it from a consulate or Schengen embassy website)

Two recent passport-sized photographs

A valid passport and previous passports, if applicable

No objection letter from your employer or

A cover letter stating the purpose of your visit

Travel insurance with a medical cover of up to EUR 30,000

Proof of accommodation during your Schengen stay

Proof of booked flights and itinerary

Proof of your financial stability (eg bank statement)

Points to Remember Before Buying a Schengen Travel Insurance Plan

You need careful planning to ensure your upcoming Schengen stay or vacation is safe, wonderful and worry-free. This includes key factors like choosing the right Schengen travel medical insurance policy that provides comprehensive coverage across your travel destinations. We advise you to consider the following factors while buying Schengen travel insurance online:

Coverage Offered

You need to compare coverages offered by different Schengen travel insurance plans to make an informed decision. Remember that it is mandatory to have a minimum travel medical insurance of EUR 30,000 to get a Schengen Visa. Besides this, you should look for an international travel insurance policy that covers passport loss, baggage delay, baggage loss​, flight delay, trip cancellation or interruptions and more.

Schengen Travel Insurance Premium

Your Schengen travel insurance premium is affected by several elements. These include the travel destination, the length of your stay, sum insured, the type of travel insurance, number of travellers and their age. It is important to understand that a cheap Schengen travel insurance plan may not provide the best coverage. You need to compare different international travel medical insurance plans for Schengen before making a decision.

Destinations Covered

If you are planning to visit only one country in the Schengen area, then it’s okay to buy an international travel insurance policy for that destination only. However, you need to buy a travel insurance plan that covers all the countries in the Schengen area if your itinerary includes stays in multiple Schengen countries. Carefully check ​your Schengen travel insurance policy as some plans have limitations on certain countries.

Visa Requirements

Many popular travel destinations like Maldives, Qatar and Indonesia provide visas on arrival to Indians. But you need to apply for a Schengen Visa if you want to visit any of the 27 Schengen countries. One pre-requisite for the Schengen Visa application process is having an overseas travel insurance plan with a minimum medical coverage of EUR 30,000. You need to ensure that your Schengen travel insurance plan aligns with this requirement to get your visa approved.

Customer Reviews

Check online reviews shared by customers about their experience with the insurance company’s buying process, coverages and claim process. This will give you an idea of how the insurer delivers on its promise of securing your trip. For example, you can look for positive reviews and ratings about customer support. Choose a company with a proven track record of reliability, customer satisfaction and seamless claim settlement.

Factors That Affect Schengen Travel Insurance Premium​

Multiple factors influence your Schengen travel insurance premium. These factors include:

1. Covers Sel​ected: Your premium is influenced by the extent of your coverage limit. For example, you choose a plan that has a high sum insured for medical expenses and other trip-related contingencies. The premium for such plans will be higher than the basic plans.

2. Age of the Travellers: Age is one of the critical factors impacting your international travel insurance premium. Usually, the premium for young travellers is lower than the premium for senior citizens as they have potentially lower health-related conditions and risks.

3. Duration of Your Stay: Your Schengen travel insurance premium is also affected by the number of days you will be travelling or staying in the Schengen area. Longer stays may lead to higher premiums due to the longer period of risk exposure.

4​. Travel Destination: Different countries have different healthcare costs and risk-inducing factors. Your overseas travel insurance premium will vary depending on the Schengen countries you plan to visit.​​​​

How to File a Travel Insurance Claim?​

Register Claim: Intimate your claim to Reliance General Insurance within 24 hours of occurrence of claim​​

Claim Process: Submit all required documents to Rcare and we’ll start processing your claim

Claim Approval: Once your claim is approved, the payment is made by NEFT

What are the Documents Required to File a Claim?​

You need to submit different documents for a travel insurance claim arising due to different contingencies. There’s a different set of documents required for claims related to loss of checked-in baggage, medical emergencies and personal accident death/permanent total disability. Here’s the list:

1. Total Loss of Checked-in Baggage

Duly filled and signed original Claim form

Copy of boarding pass and ticket

Confirmation letter from the airlines specifying the incidence details

Original FIR report from the relevant police authority in the event of loss or theft

Photo ID proof

Original Cancelled CTS 2010 Compliant cheque leaf for NEFT

Any additional document as required by the company to assess the claim

2. Personal Accident Death / Permanent Total Disability

Completely filled and duly signed original claim form

Original attested copy of death certificate/Disability certificate issued by authorised officer

Attested copy of First Information Report(FIR)/Inquest Panchanama/Spot Panchanama as applicable for the claim

Attested copy of the post-mortem examination report in case of Death Claim or Death summary

Copy of Photo ID proof of the Insured/Nominee (PAN/Driving license/passport copy/Ration card)

Original CTS 2010 compliant cancelled cheque with printed name/account No. of the Insured/Claimant

Copy of Boarding Pass and Ticket

Confirmation letter from the Airlines regarding the incident.

3. Emergency Medical Expenses

Filled and duly signed Claim form, in original​

Copy of Boarding pass and Ticket

Confirmation letter from the Airlines regarding the incidence

Complete treatment records like discharge summary, consultation papers with supporting investigation reports like X-ray/MRI etc.

Copy of Medico-Legal Certificate (if made)

Original Hospital Bills along with cash receipt

Original cancelled CTS 2010-compliant cheque leaf for NEFT

Want to extend your trip? Take a look at this-

If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.

Disclaimer:  ​ ** The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Schengen – Standard Plan.  ## The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.  ^ The total no. of customers insured data is for FY22 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.  # This is the overall claim settlement ratio for FY 21-22 as per public disclosure of Reliance General Insurance.​  * T&C apply​. Details mentioned here are for Reliance Travel Care Policy - Schengen Plan​ UIN: RELTIOP08002V010708.

• ​Coverage of  pre-existing ailment s upto 70 years , in case of life-threatening ailments ​
• ​​​​ ​ ​​ Automated extensions  for your Schengen travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)
•  A plethora of travel insurance plans for individuals to the entire family​​ ​
• Quick Facts

​As per the Schengen agreement, there are 26 European countries that belong to the Schengen area. In order to travel to these countries, it is mandatory to avail a Schengen travel insurance policy as per Schengen rules. Thus, in simple terms, you won’t be able to visit a Schengen country unless you have a valid travel insurance policy conforming to Schengen regulations. ​​​​

​Yes, if you are travelling to Schengen countries. Without International travel insurance, you cannot avail a Schengen visa. Please note that although all Schengen countries are in Europe, all European Union countries do not fall under the ambit of Schengen regulations. For example, the UK and Ireland. That said, considering the security that a travel policy offers, it is advisable that one must avail travel insurance.

Deductible means a cost-sharing requirement under this travel insurance policy that provides that the insurer will not be liable for a specified monetary amount or for a specified number of days / hours which will apply before any benefit are payable by Insurer. A deductible does not reduce the Sum Insured. A deductible is important as it makes you a co-owner of the policy, by taking up a certain portion of the loss himself / herself.​

Anyone between 3 months to 80 years is eligible for a Schengen Travel Insurance Policy.​

The travel policies are recognized and accepted all over the globe. For your assistance we have International presence through the service provider. However Reliance general Insurance has special travel insurance plans depending on where you are travelling.​​​​

​A business or corporate travel insurance policy is beneficial in case you:

• have large number of employees travelling at different times.
• have large number of travelling days.
• want to cover certain risks for certain employees.
• need worldwide coverage.
• have high turnover of employees.
• want to cover employees from various group companies.
• want to minimize documentation.
• want simple and easy administration.

​No, these policies cannot become a part of the corporate plan. You can choose to continue with these standalone policies and thereby opt for those many less number of travel days in the group policy.

Alternatively, if you want all the executives to be a part of one plan, then you can cancel those standalone policies prematurely and make them a part of your corporate group policy.

Yes. We have designed all our travel insurance plans to meet both the requirements, that of leisure and business. Individuals travelling abroad on business purpose can also avail the facility of our Overseas Travel plan, while those who are frequent visitors to abroad can opt for our Annual Multi-trip Insurance.​

​An FIR (First Information Report) is required in cases of:

• Loss of passport
• Claim under Home burglary insurance
• Accidental Claims under Personal accident section
• Personal liability
• Financial emergency

​The cost of travel insurance to Europe depends upon several factors. The primary factor is the duration of the trip. The next ones that have a direct impact on the cost (i.e. premium) are age and health. The perceived risk increases with an increase in age, thus a higher age translates to a higher premium. If you have a pre-existing medical condition such as asthma or diabetes, the insurance cost will rise as well.  You can avail several add-on covers that enhance your coverage limits and inclusions, which add to your premium amount. You will find different plans giving you an option to choose the sum insured amount, which is the maximum amount of claim settlement you are entitled to when you file a claim with the Travel Insurance Company. The higher the sum insured amount, the higher will be your premium.

​Zero paperwork​​​​​​

To cancel your policy, all you have to do is submit a letter at any of our branch offices. Once we receive a written request from you, your policy will be cancelled within one day.

​The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

​You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days.

​Yes, we refund part of your premium if no claim has been made on any part of your policy and there is more than 30 days left from the expiry date.

​Yes, with Reliance Schengen Visa Travel Ins urance you can!  If your holiday is extended for any reason, we recommend that you extend your  travel insurance  policy. It always better to be safe than sorry!  Download and fill the Extension​ Form and visit the nearest branch.​​

Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling. Any basic travel insurance policy will cover you for:

• Medical Expenses Including Transportation, Evacuation And Repatriation Of Mortal Remains
• Personal accident

Apart from these, you can opt for covers like:

• Dental treatment
• Delay / Total loss of checked in baggage ​​
• Trip delay, cancellation and interruption, Missed connection
• Home burglary insurance
• Accidental Death  - Common carrier​

​Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:

• Medical expenses
• Emergency medical evacuation
• Transport of mortal remains
• Total loss of checked-in baggage
• Delay of checked-in baggage
• Personal accidents
• Accidental death & dismemberment
• Daily allowance in case of hospitalisation
• Financial emergency assistance
• Hijack distress allowance
• Trip cancellation and interruption
• Missed connections

Yes, it does. We will reimburse your dental expenses for any acute anesthetic treatment of teeth due to an Injury​.

​In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.

However, the travel insurance policy will not cover you if your passport. . .

• is confiscated or detained by customs officials, police offers or police authorities.
• Is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle.
• has been robbed and you have not reported the incident to the local police within 24 hours of the event. We will require a copy of the report when you make the claim.

Your policy provides reimbursement for delays in transportation of checked-in baggage beyond 12 hours. This is valid across all travel destinations that are mentioned in your ticket, including all halts as well.​

This cover for delay will not be available in the following cases:

• If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by the carrier, is procured and submitted.
• If there is a partial loss of the items contained in the checked-in baggage.
• If items contained in the checked-in baggage, valued in excess of US $100, do not have appropriate proof of ownership.
• If the valuables, money, securities, tickets and passes or any other item(s) are not declared.
• If the losses are a result of delay, detention, confiscation by customs officials or other public authorities.
• If the losses are incurred due to complete/partial damage to the checked-in baggage.
• If the checked-in baggage is delayed in the inbound sector to India.

This amount will be up to a maximum, as mentioned in your policy.

The loss of handbag is not covered. Your policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.

​Your policy will pay the necessary expenses incurred while obtaining a duplicate or fresh passport after coming to India. This will be up to the maximum sum insured mentioned in your policy.

​This particular travel health insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan. To understand the benefits better click here .​​​​​

​Your travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.​

Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can eve avail of a daily allowance subject to plan opted​.

​This is a special service that provides you, the insured, assistance in times of financial emergency that may arise only due to theft or robbery. In a situation where you are short of funds / cash, this cover will not be able to help you.

​In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.

​In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.

If you opt for the Home Burglary cover, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.

• you are hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
• an immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid.

​A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.

Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.​ ​

If any illness / injury during the period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.​

In such a case, if the death or disablement occurs within 12 months from the date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.

In the event the Insured/Insured Person is hospitalised for more than seven consecutive days, and his/her medical condition forbids repatriation and no adult member of his/her immediate family is present, the Company after obtaining confirmation of need for a companion from the attending doctor and the Emergency Assistance Service Provider, will provide the following:

a) a round trip economy class air ticket, or first class railway ticket, to allow one immediate family member, during the entire period of insurance, to be at his/her bedside for the duration of stay in the Hospital

b) expenses towards stay of the immediate family member during such compassionate visit.​​

​Yes. Please read your  policy document  carefully to understand what risks you are covered for and what is not covered. Ensure, you have the cover you need.

No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.

With Reliance General Insurance you can now choose between 5 payment options as mentioned below to pay your premium:

• Online payment
• IVR online payment
• Free Cheque pickup
• Mobile payment
• Payment at any Reliance branch office

You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.

​The corporate policy is designed to provide you convenience of usage. If you have opted for a short-term plan for a specific period of insurance and number of man-days, a float amount for your company would be created with us.

As and when an individual employee travels, his details need to be intimated to us. The premium amount, based on the employee's number of days of travel, age and some other details, would be adjusted in this float amount. Similarly, let us know as and when you add or delete a person, so we can adjust the float amount.

​Yes, we do give group discounts. The details are as follows:

Although we do not have specific time frame we would certainly like the travel insurance claim to be intimated as soon as possible, for better assistance.​

The documentation will vary depending on the type of the claim. Here’s a comprehensive list of requirements for the various types of covers. Medical & Emergency Expenses

• Claim form with the surgeon's signature
• Copy of your travel policy
• Doctor's report
• Original admission/discharge card
• Original bills/receipts/prescription
• Original X-ray reports/ Pathological/ Investigative reports
• Copy of passport/visa with entry and exit stamp.

Loss of Baggage

• Claims form
• Copies of baggage tags
• Copies of correspondence with the airline authorities or others about loss of checked baggage
• Property Irregularity Report (obtained from Airline)
• Details of compensation received from airlines/other authorities if any

Delay of Baggage

• Copies of correspondence with the airline authorities certifying the delay
• Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

Loss of Passport

• Copy of new passport
• Copy of previous passport (if available)
• Original bills/invoices of expenses incurred for obtaining a new passport
• Copy of FIR/ Police Report

Trip delay / cancellation/ interruption/ missed connection

• Confirmation from the airlines clearly mentioning the scheduled arrival time and the actual arrival time
• Medical reports and doctors statements if the trip is cancelled or interrupted due to medical reasons
• Termination letter from the company if trip is cancelled or interrupted due to employment reason
• Police report confirming the incident if the delay is due to any other insured events
• Original tickets of the insured and the travelling companion indicating travel to the same destination for the same dates in case the cancellation or interruption is due to the sickness injury or death of a travelling companion
• All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers

Personal Liability

• A detailed statement mentioning details of the incident
• Witness statements
• Any other documents relevant to the incident including Summons Legal Notice etc.
• Any other information you would like to share with us.
• Full statement of the events in writing
• Airline correspondence (copy of Passenger List etc.)
• Copy of ticket/ Boarding Pass

Accidental Death

• Original Death Certificate
• Copy of FIR/Police inquest report/Coroners report
• Copy of Post Mortem report.

Dismemberment Case

• Copy of treatment papers along

Financial Emergency Assistance

• Date of loss
• A detailed statement
• Court order stipulating the required amount as bail bond
• Police report.

Sponsor Protection

• Medical reports or doctor's statement giving the details of the sponsor and cause of death certificate of the sponsor

Please remember any medical statements from relations / spouse will not be accepted. Compassionate Visit

• Medical reports and certificate from the doctor confirming hospitalisation of the insured, reason of hospitalisation and duration of hospitalisation
• Doctor's statement specifically stating the need for an attendants

Study Interruption

• A detailed statement.
• Medical reports or doctor’s statement
• Death certificate as a proof of the reason of study interruption (in case of death of immediate family members)
• Receipts of the university fees paid

Please remember any medical statements from relations / spouse will not be accepted. Home Burglary

• Copy of the FIR
• List of items stolen along with year of purchase and value

Dental Treatment

• Original medical bills/receipts

Yes, Europ Assistance has a global presence in all the major countries. Post approval of the claim Europ Assistance can place a guarantee to the Hospital/providers and make the cashless claim.

Further, under Cashless Services, if the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be, will guarantee to the Hospital/other providers the costs of hospitalisation, transportation for emergency services, and transportation home of the Insured. All costs will be directly settled by Emergency Assistance Service Provider on the Company's behalf and the same shall constitute due discharge of the Company's obligations.​

Average Rating:

Showing 10 reviews

While making my first trip through France, I didn't even know about Schengen travel insurance. But after buying travel insurance from Reliance General, I've discovered travel needs can be easily taken care of.

My son couldn't take the cold weather and developed high fever. Expenses weren't a problem since we had purchased this international travel insurance. We had to extend our day for 3 more days as my kid was admitted. Since we couldn't take the flight, we had to reschedule. Fortunately, the travel insurance covers that too.

On my backpacking trip through Europe, my wallet was stolen on a train and I had no money left. Thankfully, my travel insurance plan had a provision for cash in case of emergencies. Reliance General has very good travel insurance plans.

Fast service given while facing an emergency. I was in Europe for a business conference and my baggage was lost. Your customer service representatives helped me out a great deal. Good going Reliance General Insurance.

Taking my family for a vacation to Europe. Since I am taking my two year old daughter, I can't risk anything happening. Taking this travel insurance as a precaution. Good policy, covers all the risk.

My younger sister is currently in Europe on a 20 day trip and while searching for a good travel insurance for her I came across reliance travel insurance. As far as i know they seem to have the best rates and process was also easy

My Mom and Dad recently went on a Euro trip. I insisted them to take a Reliance travel insurance (after researching online) as it was an international trip. Fortunately, this came in handy as their bags were delayed for 2 days but they could enjoy the trip without a worry because of the reimbursements.

After comparing different Schengen travel insurance plans, I found this to be the best.

It is a low cost travel plan and has a brilliant customer service.

Definitely the best European travel insurance I have taken.

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Specialist Medical Travel Insurance

POLICIES TAILORED TO YOU, FOUNDED FROM PERSONAL EXPERIENCE

Travel Insurance Policies

Getting specialist travel insurance ensures you have the most suitable cover for emergency care when you need it. It provides you with protection if the unexpected does happen, so you can enjoy your holiday without worrying. We believe you shouldn’t be charged a fortune for peace of mind whilst you travel.

xRated 4.8/5 on Trustpilot

Based on over 5,900 customer reviews

Concerned about COVID-19?

We’ve got coronavirus cover on all policies, and offer more cover with our optional COVID-19 Extension. See how coronavirus impacts your existing travel insurance policy

Why Insurancewith?

After Fiona Macrae , Insurancewith’s founder, was diagnosed with breast cancer in 2005, she found it almost impossible to get affordable travel insurance. Like anyone else, she was looking forward to a holiday, but sensibly-priced cover seemed out of reach.

Insurancewith was created to help people with all kinds of conditions – including cancer , mental health , epilepsy , and many disabilities – get the most suitable cover for your personal needs at a price to suit your budget.

Customers tend to come to us after they’ve been quoted extraordinary prices for specialist travel insurance. They’re often worried they won’t be able to travel again.

At Insurancewith, we believe everyone deserves a holiday. We offer something a bit different. We don’t charge more than we need to on your medical declaration (we don’t think it’s right to make money from your situation) and won’t charge you more than necessary for quality cover.

You have the option of chatting through quotes and queries with one of our trained advisors as well as using our online quote system. We are very proud of the service we provide and the savings our customers make. If you’d like to find out more, take a look at our Customer Savings Stories here.

All of our polices include the following benefits:

• Award-Winning¹ Travel Insurance
• Over 5,000 conditions and the side-effects of treatment covered
• Discounts for couples, families and single-parent families
• Up to £5,000 cancellation cover
• 24/7 emergency medical assistance team
• No upper age limit for single trip policies (depending on the destination and trip duration)

Thank you Insurancewith

“After a long struggle trying to find affordable travel insurance for my husbands grandad who has terminal cancer, we were about to give up. This caused a major problem as we were getting married in Cyprus and we desperately wanted him to be there.

I discovered InsuranceWith and after a questionnaire and phone call, we were given an extremely affordable and reasonable quote. We had been completely honest about his cancer and I was amazed they would cover him.

Without InsuranceWith, Grandad would not have been able to be there with us for our special day. We cannot thank them enough and have recommended to all of our friends and family. Just because you have a terminal illness, this should not deprive you of holidays abroad.”

We have insured thousands of people, helping them make those precious memories, and saving some of them a lot of money along the way!

Find out how much you could save...

Why Choose Insurancewith?

We specialise in medical travel cover . By working with charities, clinical specialists, and you – our customers – we’re always improving our understanding to create products and services to meet your needs. It’s all part of our efforts to address any of the issues people have when looking for specialist travel insurance.

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Protectif Screening

In order to give a fair assessment of your situation, we use Protectif Medical Risk Rating. Our screening process allows us to ask relevant questions about your condition or treatment in order to assess the risk effectively. Protectif allows us to provide affordable coverage to our consumers and instead of categorising all of our customers with the same condition as having the same amount of risk, we ask relevant questions based on the medication you are taking to effectively evaluate your circumstance.

Instead of looking at the perceived risk of each condition, we use our award-winning risk rating system, Protectif, to understand your situation. We not only offer a broad range of cover levels suiting every traveller and budget, but we assess risk more effectively than other insurers. It’s one of the industry’s closest things to a personally underwritten travel insurance policy. For an accurate assessment, we’ll ask you about your lifestyle and personal experiences. Find out what else to expect from questions asked during our quote process.

• Question sets allow us to understand individual circumstances
• Thousands of conditions and side effects of treatment able to be screened

Our Charities

When you take out a policy with Insurancewith, we’ll also donate £1 to charities that help support people like our customers every day. We support a number of charities including FACT, YourSimPal and Make 2nds Count to name a few.

¹ Insurancewith Awards Won: Finalist in the UK Broker Awards, 2011. Winner of Insurance Times Innovation of the Year Award, 2013. Bronze Award Winner for Best Travel Insurance Provider at British Travel Awards, 2016. Customer Champion of the Year at the Insurance Times Awards, 2017. Plus, our founder Fiona Macrae was awarded the Consumer Marketing and Awareness Award at the Chartered Insurance Institute (CII) Public Trust Awards, 2018

*Please note, Insurancewith’s online prices automatically include a 15% discount against our Customer Service Centre prices. This code entitles you to an additional 5% off your policy, and is a discount from the base price, not including the additional cost of optional extensions or any additional medical premium

$ Insurancewith has been rated 4.8 out of 5 (Excellent) based on over 7000 customer reviews on Trustpilot. Based on  Trustpilot data  2023 

§ Based on quote data from 2023. Correct as of 12/09/2023 

Travel insurance

Find the right travel insurance policy with allianz assistance.

AWP Assistance UK Ltd , trading as Allianz Assistance and Allianz Global Assistance , is a subsidiary company of Allianz Partners SAS. AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority in the United Kingdom to provide insurance products and services.  

Please note that, whilst AWP and Allianz Insurance are part of the global Allianz SE group of companies, AWP and Allianz insurance are separate companies and not part of the same group of companies in the UK. Any communications regarding Allianz Assistance services should therefore be addressed to AWP .

A range of cover options are available including single and multi-trip, 24/7 medical cover, backpacker,  winter sports and more. 

Whatever type of trip you're taking, Allianz Assistance will help you find a plan that covers the "what ifs?". 

Extended Car Warranty

Allianz Assistance is the trusted car warranty provider for ten of the UK’s leading car brands.  Find out more on Allianz Assistance about the three levels of car warranty that are available.

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• Crime, justice and law
• Crime prevention

Certain information orders: code of practice

Code of practice issued under section 339ZL of the Proceeds of Crime Act 2002 (POCA) and section 22F of the Terrorism Act 2000 (TACT) about certain information orders.

Code of practice issued under section 339ZL of the Proceeds of Crime Act 2002 and section 22F of the Terrorism Act 2000 about certain information orders

PDF , 1.08 MB , 20 pages

This file may not be suitable for users of assistive technology.

The purpose of this code is to meet the Secretary of State’s obligations under section 339ZL of POCA and section 22F of TACT to make a code of practice to guide the Director General of the National Crime Agency (NCA), or an authorised NCA officer, in connection with the exercise of the following functions:

the making of an application to the magistrates’ court for an information order in reliance on condition 3 or 4 in section 339ZH of POCA or section 22B of TACT being met

the making of a request to a procurator fiscal for the procurator fiscal to apply for an information order in reliance on condition 3 or 4 in section 339ZH of POCA or section 22B of TACT being met.

We are aware these publications may have accessibility issues. We are reviewing them so that we can fix these. Read more about our accessible documents policy .

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