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All medical conditions considered

Includes Medical Assistance Plus 

Kids go free on family policies (1) 

A choice of travel insurance to suit you

We have different types of cover for whatever you have planned. And we consider all medical conditions.

Offering cover for anything from a short UK break to a year of travelling around the world

• Covers you for a one-off trip up to 365 days (2)
• Perfect for short or long trips for anywhere in the UK or abroad 
• No age limit

Travelling more than once this year? An annual multi-trip policy could save you time and money

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years

Looking for a gap year, career break or to travel the world? We could have the cover you're after

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions
• Available for those aged 18 – 60

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing that health professionals are just one click away.

Medical Assistance Plus (3), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re abroad.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can’t help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

What is travel insurance?

Travel insurance may be able to protect you against a range of unexpected events. From losing valuables to medical emergencies, and anything else that could spoil your holiday. Take a look at our policy documents to make sure that you’re getting the cover that meets your needs.

Cancellation and cutting short your trip

• Emergency medical expenses
• Missed departure
• Delayed departure

Personal liability and legal costs

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy. This includes pre-booked activities and excursions, car hire, cattery and kennel fees, up to the limits shown

We may be able to help if you need emergency medical treatment, return to the UK (getting you back home) and more while you’re abroad 

Missed departure (6)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Delayed departure (6)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged 

You'll also get protection for any unexpected legal costs you might be charged while you're away 

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Cover you can count on. We’ve paid out over £177 million in travel insurance claims since 2007

Common travel insurance questions, what does travel insurance cover.

Post Office Travel Insurance can cover you for a single trip of up to 365 days(2), or multiple trips in a single year. This applies to trips taken anywhere in the UK and abroad too. We also offer backpacker cover(7) for a single trip of up to 18 months.

The type and level of cover provided depends on the insurance policy type and options you choose. It can include cover for:

• Cancellation
• Cutting your trip short and abandonment of your trip
• Lost, stolen or damaged baggage
• Lost, stolen or damaged passports
• Lost, stolen or damaged personal money
• Personal accidents and liability
• Legal protection

You can add additional cover to your policy. Options include:

• Gadget cover
• Excess waiver
• Trip disruption
• 45- or 60-day trip extensions (on  annual multi-trip  only)

Winter sports cover  is compulsory for winter sports trips and  cruise cover  is mandatory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons you can buy. This way, you’re sure to be fully covered for your trip and all you’ll do on it.

Why is it important to have travel insurance?

Having travel insurance is a worthwhile purchase for anyone going abroad for their holidays. Even in relatively safe locations such as central Europe, a number of things can go wrong.

Flights can be delayed. Airlines can lose your luggage. Tourist areas may be prone to opportunist thieves who may target your belongings. And you could fall ill anywhere in the world, to the detriment of your holiday plans.

We hope that none of these events happen to you. But, if they do, you could be out of pocket. And with emergency medical problems it could be by tens or even hundreds of thousands of pounds.

Holiday insurance may be able to help avoid some of this risk. It’s a way to insure for travel you, those travelling with you and your belongings.

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get replacements.

In particular, the medical cover outside of the EU offered by insurance is a necessity.

Within the EU, you may think that an  European Health Insurance Card (Ehic) or its replacement, the UK Global Health Insurance Card (Ghic), can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They're limited to health cover and won’t help at all with things like cancellation, loss or theft. And the Ehic no longer provides access to healthcare for UK nationals travelling to Iceland, Liechtenstein, Norway or Switzerland.

Even if you’re staying in the UK for your break , having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances.

To qualify for cover on our annual multi-trip policies, UK trips must consist of:

• At least one night's pre-booked and paid-for accommodation, or
• A stay at least 100 miles from your home, or
• At least one sea crossing

Why choose Post Office?

You’re in safe hands with Post Office. We won Best Travel Insurance Provider at the Your Money Awards in 2021, 2022 and 2023. We also won bronze for Best Travel Insurance Provider at the British Travel Awards 2023, voted for by the UK public.

Our premier cover is 5 Star Defaqto Rated. Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

We have a range of cover options available to suit lots of different holidays, so you can choose the cover that suits you best. We’re there for our customers when they need us the most; since we launched travel insurance in 2007, we’ve paid out over £177 million in claims.

What cover is there for Covid-19 as standard?

Policies purchased from the 31 March 2022 onwards provide cover if:

• you test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body 
• a medical practitioner certifies you as too ill to travel due to Covid-19 
• you, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority 
• you, an immediate relative (8) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19 

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• you test positive for Covid-19 after you’ve left the UK and have to self-isolate
• you test positive on arrival in your destination and are not allowed to continue your trip
• you, an immediate relative (8) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our  trip disruption cover upgrade option. This gives you added protection against missed departures and expenses incurred due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

For policies sold on or after the 31 March 2022

Should the FCDO advise against all travel to your destination, there's no cover under any section of the policy if you decide to travel. 

If the FCDO have advised to only undertake essential travel to a destination and your trip's not essential and you choose to travel, we'll only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you've purchased an optional trip disruption cover upgrade. You may be able to travel with full cover if we authorise in writing that your trip's essential before you depart. Should you like to request this, please email  [email protected]

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

Does Post Office Travel Insurance cover medical expenses?

Yes, our travel insurance covers you for unexpected medical expenses. This includes emergency treatment and hospitalisation, plus repatriation if you need it. Cover's provided up to the limit specified in the policy wording for the specific cover level you choose.

Emergency medical assistance

If you need emergency medical assistance, you can call our dedicated team. They're here 24 hours a day, 7 days a week to get you the help you need. Check the correct contact details for your policy on our travel insurance help and support page .

Non-emergency medical support

If it’s not an emergency but you still need to see a medical professional, you can use our Medical Assistance Plus (3) service. This outpatient service is included free with all new Post Office Travel Insurance policies.

Get easy access to medical experts such as doctors, dentists and gastroenterologists. The single online platform can be used wherever you are abroad.

Choose whether you’re seen at a clinic, in your hotel or via an online video consultation. All sessions are in your own language. They even have prescriptions delivered to your nearest pharmacy.

This takes away the stress of finding medical help, so you can kick back and enjoy your holiday to the full.

Do I need travel insurance for UK trips?

We provide cover whether you’re taking a break in the UK or going on holiday overseas. You’re covered if your luggage or personal belongings are lost, stolen or damaged while you’re staying away from home in Britain. And if you have to cancel or cut short your trip in some circumstances, we can cover that too. As long as it matches the reasons set out in your policy.

Our annual multi-trip travel insurance can cover you for UK trips too. The minimum requirements are one night’s pre-booked and paid accommodation. Or your stay must be at least 100 miles from your home. Or you must have at least one sea crossing.

Where can I go on holiday in the UK or overseas?

The UK Government provides guidance on travel 24 hours a day, 7 days a week. Visit the Foreign, Commonwealth & Development Office website for the latest travel information. It lists if it's safe to visit your chosen country. This information can change at short notice. So it's a good idea to check the FCDO page regularly.

Remember, your cover won’t be valid if you travel against the FDCO advice of all travel, and local government advice. Check the latest on the FCDO site or read our  where can I go on holiday guide .

Does travel insurance include gadget cover?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit. The single article limit depends on the cover you’ve taken out. For economy it’s £150, for standard it’s £250, and for premier it’s £400.

Gadget cover  is an optional add on you can buy at any time to add protection for your devices. Check the  policy wording for full terms.

Do you offer a student discount?

Yes, we do. We’ve partnered with Student Beans to offer a discount to students. To claim it, you’ll need to either  register for a Student Beans account (to verify your student status) or  log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

We’re here to help on your travels

Access your travel insurance policy anywhere.

You can buy travel insurance and view your policy all in our free Post Office travel app. Plus you can order and top-up our Travel Money Card wherever you are too

Travel money made easy

Buy your travel money online. You can click and collect from a branch near you or choose next-day delivery to your home

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above.

(3) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Delayed and missed departure are only available with our standard and premier cover levels.

(7) Backpacker policies only available on the economy level of cover.

(8) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

By clicking a retailer link you consent to third party cookies that track your onward journey. If you make a purchase, Which? will receive an affiliate commission which supports our mission to be the UK's consumer champion .

Best travel insurance companies and policies 2024

In this article

How do you find the best travel insurance?

Best travel insurance policies, best travel insurance: companies and policies compared.

• What's the best type of travel insurance?
• How can I save money on travel insurance?

How much travel insurance cover do I need?

How to compare travel insurance companies, why there are so few best buy policies.

The best travel insurance can't stop things going wrong on holiday, but it can prevent problems – medical issues, cancellations, delays or losses – from having a huge impact on your finances.

Our experts compared over 50 travel insurance companies, scrutinising hundreds of policies, each with more than 60 areas of cover. 

We've assessed information on medical expenses, Covid cover, flight cancellation, compulsory excesses and many other factors to bring you our Best Buy travel insurance policies.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Compare travel insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

We looked at 56 travel insurers, comparing more than 160 policies. See our results in the table below.

We rated six policies as Best Buys – here are the three highest scoring:

NFU Mutual - Home and Lifestyle

• 81% policy score - 2nd out of 161 policies rated. 

We like: NFU Mutual was one of a minority of providers that will pay out if your holiday supplier or airline goes bankrupt. It is one of only two providers that applies its excess (£50) once per claim (rather than per person) – which could save hundreds if you're travelling as part of a group. 

We don't like:  NFU Mutual's travel insurance policies are only available to customers who also hold NFU Mutual home insurance . 

• Read our full NFU Mutual travel insurance review.

All Clear travel insurance - Platinum

• 79% policy score -  joint 7th out of 161 policies rated. 

We like: All Clear was the highest-scoring medical specialist insurer in our analysis. Its policy covers outbound, connecting and returning flights that you miss because of delays. Missed flights cover was available in more than 90% of policies we checked – but only half of policies covered the full round trip.

We don't like:  If your holiday company or airline goes bankrupt and you have to cancel the holiday, you won't be able to claim on the insurance for lost costs. 

• Read our full All Clear travel insurance review.  

Insure and Go - Black

• 77% policy score - joint 10th out of 161 policies rated.

We like:  If you're covering a very expensive trip, the Black policy has one of the highest cover limits for costs if you have to cancel – £10,000. You also don't pay excesses.

We don't like:  If you have a dental emergency while travelling, you can only claim up to £250. As with All Clear's policies, you can't claim if your travel company or airline goes bust.

• Read our full Insure and Go insurance review .

Here's the full details of our findings in the tables below – to access each table, use the 'Select a table' dropdown below.

• The 'Best Buys' table shows the policies that meet our exacting Best Buy criteria . When choosing these, we check for key features of cover as well as data on complaints and claims acceptance rates. 
• The other tables show the top-scoring policy from every provider we've rated. Of all policies reviewed, scores ranged from 83% to 29%.

We've also written comprehensive reviews of the best 16 insurers overall – just click on the links in the table to read them.

Best Buy policies

Table note:  All ratings are for policies available to new customers, and the details were gathered in a survey carried out in April 2023. The information should be considered correct to then. We will next update our policy scores in June 2024. See our full methodology .

For insurers outside our 'Best Buys' list, we've only included the provider's best scoring policy. However, they might offer other policies with fewer features, often at a lower price. We've still scored these policies: find the scores in our individual travel insurer reviews, which cover the biggest and best brands.

If a brand isn't listed in the table it means it didn't take part in our survey and hasn't been reviewed.

  What's the best type of travel insurance?

When picking travel insurance consider the number of foreign trips you'll make over the next 12 months, where you'll go and who with.

• Single-trip and multi-trip (annual cover) Single-trip insurance is aimed at people who are making a single, one-off journey. Multi-trip (annual) provides ongoing cover for 12 months. If you take 3 or more trips per year, multi-trip (annual) is likely to work out cheaper, and you don't have to tell the insurer when or where you're travelling.
• European, worldwide and USA cover European-only cover is usually the cheapest type and worldwide including USA (and often the Caribbean) is the most expensive due to high medical costs. If you've no intention of going to these destinations over the next 12 months, save money by buying worldwide cover that excludes them.
• Individual, couple or family cover You'll have the option to choose how many people to cover under a single policy, although if a member of your party needs specialist cover due to age or health, costs may change.
• Specialist insurance options If you have more specific requirements, for example due to age, or type of holiday, we've assessed the best options for you below. Best cruise insurance • Best travel insurance for over 60s • Best travel insurance for medical conditions • Best ski insurance
• Unexpected events cover Your policy  may include cover for unexpected events, like bankruptcy of the holiday supplier, strikes, civil unrest and more. We've listed which providers' policies have the best unexpected events cover providers.

  How can I save money on travel insurance?

What you'll pay for travel insurance varies hugely by where you're going and for how long.

Take these average quotes, collected for us by Confused.com , for a couple of 50-year-olds with a joint policy:

Source: Confused.com, based on average quotes from 1 January 2023 to 20 November 2023

These are averages, and so you're likely to pay:

• Less if just buying cover for yourself
• Less if you're younger than 50, or more if you're older than 50
• More if you have a pre-existing medical condition

Whatever your situation, chances are you can reduce costs by comparing travel insurance. An annual policy may work out cheaper if you travel multiple times a year.

When should you buy travel insurance?

You should buy travel insurance on the same day you book your holiday.

One of the best features of travel insurance is that it covers you if you're unexpectedly forced to cancel the trip and stand to lose money as a result.

If you leave buying your insurance until the last minute, you won't benefit from this protection, even if some providers might make it slightly cheaper.

With this in mind, you should buy your insurance as soon as you book your holiday – unless you already have annual cover in place.

Should you buy travel insurance from the tour operator or airline?

When you buy your holiday, whether that's through a traditional package provider or a budget airline, you're likely to be offered insurance at the same time.

But cover offered as an add-on to your trip is unlikely to be tailored to your needs and could be more expensive. Always check the wider market to see if you can get better cover for less.

If you do buy add-on insurance, make sure it covers any medical conditions that you have.

Do you already have insurance?

Some packaged bank accounts come with travel insurance as a sweetener, so if you have a packaged account, check whether cover is included.

If you do have travel insurance with your bank account, check its terms carefully and make sure it meets your needs. Does it cover you for trips outside Europe? Will it cover your medical conditions?

If it doesn't, call your bank to see if you can add the cover you need or look for a standalone policy that meets your needs.

You might also have some of your insurance needs met if you have personal possessions cover with your home contents insurance . These policies often protect things you carry on your person (such as gadgets or jewellery) around the world, from loss, damage or theft.

Do you need travel insurance if you have an Ehic or Ghic?

Yes, you still need travel insurance. A Global Health Insurance Card (Ghic) – the replacement for the Ehic – is a medical card that can be used throughout the EU. It entitles you to treatment in state hospitals for the same price paid by the residents of the country you're visiting. If they get free treatment, so do you.

But it won't cover the costs of medical transportation (for example ambulance bills or being flown back to the UK where medically needed), alongside costs of cancelling your holiday or returning early, replacing lost and stolen possessions, and many other things - that's what travel insurance is for.

• Find out more:  The Ehic and Ghic explained  

While it can be tempting to get the cheapest cover you can find, this could prove a false economy. Everyone's specific cover needs will be different, but as a starting point, we recommend looking for policies with these minimum levels of cover:

• Medical expenses:  £5 million
• Cancellation cover:  £2,000 – or the full cost of your holiday (which may be higher or lower)
• Personal belongings: £1,500 – or the value of your possessions
• Personal liability cover: £1 million.

Many sports won't be covered as standard, such as skiing and snowboarding , so you'll need to get cover that includes this, or add it on for a fee.

Cruises requre a special type of cruise insurance. If you're considering working abroad, or spending a couple of months abroad, you may need 'backpacker insurance'.

1. Check our tables and reviews

Our experts have assigned each travel insurance policy a policy score, reflecting how comprehensive, overall, the cover is.

It's important to remember, however, that travel insurance is complex – so even providers with high policy scores won't necessarily cover everything you're looking for. For a more detailed look at some of the larger and higher-scoring providers, see our individual travel insurer reviews.

2. Get a travel insurance quote

While looking at our reviews, you can get a quote for travel insurance using the service provided by Confused.com.

You might be able to save by using multiple comparison sites. 

Some insurers don't sell through comparison sites, including NFU Mutual and Direct Line , and specialist medical insurers .

Both the government's MoneyHelper website and the British Insurance Brokers Association have directories of such insurers.

An insurance broker can find affordable cover for unusual scenarios that most insurers won't cover.

3. Check the T&Cs

Before you buy, check the policy wording to make sure you understand what your policy covers, and what it doesn't.

If there are specific reasons you've bought the cover, check these sections to make sure they meet your expectations. Also check the policy's general exclusions and conditions. If anything in the policy is unclear, contact the insurer.

Finally, check what protection your holiday provider offers, because if something goes wrong, you might need to seek compensation from it first before your insurer will accept your claim.

Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

Dean Sobers, Which? insurance expert says:

'In our tables, you'll see dozens of products brimming with features and high levels of cover – but just six Best Buys. 

'Unfortunately, it comes down to the difference between what a policy promises on paper, and the depressing reality that we see in the claims statistics. Roughly a quarter of claims made on single-trip and annual European policies were declined by travel insurers in 2022 (the latest stats available). With most kinds of insurance, payout rates are above 90%.

'Not all travel insurers are the same: some – including our Best Buys – were markedly better in this data than others. But a large number of candidates clearing all other hurdles in our analysis fell flat when we reviewed their claims acceptance rates and the numbers of their claimants who'd lodged complaints.

'We'd love to be able to recommend a much wider selection of policies, as we all have different requirements and budgets when shopping around for travel insurance. Hopefully, we'll see insurers do better in future. In the meantime, the best way to avoid disappointment is to be reasonably familiar with the policy's T&Cs when you buy it, as policy exclusions are the most common single reason claims get turned down .

'Each section of a policy wording document (for example, cancellation or delay cover) will include its own exclusions. You'll also need to check the policy's section that details 'general' exclusions and conditions that apply across the policy.'

Frequently asked travel insurance questions

Does travel insurance cover cancelled flights.

This depends on whether you can no longer make your flight or the airline has cancelled it.

If the airline cancels your flight, it is generally their responsibility to find an alternative flight or to give you a full refund.

If you can no longer make your flight, perhaps due to illness or accident, then it is not the airline's responsibility. If you have taken out a travel insurance policy and depending on the reason you can no longer fly, you may be able to claim some of the flight costs back. 

You should also check the airline's conditions of carriage if you are going to miss your flight last-minute to see whether you can be moved to an alternative flight.

Can I buy travel insurance after departure?

Yes you can - but you'll need to get a special type of policy called 'post-departure insurance'.

Unfortunately, you're likely to pay more and get less cover than if you had bought standard travel insurance.

Post-departure insurance won't cover incidents that have already happened, such as a delayed flight on the way out. It generally applies from the day after buying, not the same day.

Even though you'll need to cover fewer days, the specialised nature of post-departure insurance means it's likely to cost more per day and overall.

The best approach is to buy standard travel insurance on the same day you book your holiday. Although the insurance only needs to cover the dates of your holiday, from the moment of buying it you'll be covered if, for instance, you need to cancel your trip.

Can I get travel insurance if I'm pregnant?

You can get travel insurance if you're pregnant, especially if your trip is less than 28 weeks into your pregnancy.

Many insurers still offer cover for trips after that point, but check with them before buying, and bear in mind airlines may request extra details such as a letter from your doctor.

Pregnancy is not considered a pre-existing medical condition so you shouldn't have to tell your insurer or pay more.

Standard travel insurance will cover emergency medical care, but ask insurers if antenatal care after premature births will be covered, or cancellation due to pregnancy-related complications.

In general, travel insurance won't pay out if you cancel a trip simply because you're pregnant - it's worth asking airlines and accommodation providers if you can reschedule.

Do I need travel insurance for the UK?

Potentially, depending on the type of trip you've booked.

Many travel insurers will cover the UK; if you have an annual policy check if it includes UK travel.

The main advantage of travel insurance for the UK is cover if you need to cancel your trip (such as because of illness) or lose baggage.

In general, travel insurance only covers paid-for accommodation, sometimes with a minimum duration. So stays with friends and family wouldn't be covered.

Nor will you need travel insurance for medical cover, due to the NHS - though visitors to the Isle of Man and Channel Islands may need insurance for repatriation to the mainland.

Your home contents insurance may cover personal possessions outside the home, but you may have to pay high excesses.

Do I need travel insurance for Europe?

Yes, travel insurance is essential for European holidays. 

The European Health Insurance Card (Ehic) and Global Health Insurance Card (Ghic) only entitle you to public medical care at the price locals pay.

That's only in the EU, Switzerland and a few other countries however, and won't cover associated - and very high - costs such as for rescue from ski slopes or repatriation to the UK.

Nor will the Ehic and Ghic cover cancellations or lost baggage, unlike the best travel insurance policies.

• Find out more: The Ehic and Ghic explained  

Does travel insurance cover cruises?

Some, but not all, policies will offer specialised cover for cruises.

In some cases cruise cover will be an optional add-on.

This includes scenarios such as being ill and confined to your cabin, missing your departure during an excursion, or the intinerary being changed. 

We've listed which policies cover cruises and how good they are in our guide to the best cruise insurance .

Does travel insurance cover skiing?

As with cruises, this depends on your policy.

Winter sports cover may be included as standard within your travel insurance, or as an optional add-on.

It should cover scenarios such as piste closure, avalanche delay and air ambulance rescue from the slopes.

We've listed which policies include or offer winters sports cover, and rate that cover, in our guide to the  best ski insurance .

Are you covered for Covid?

Covid isn't the menace to travel that it was a year or two ago, but it's still around and retains the potential to scupper your plans.

Fortunately, all policies we examined provide at least a basic level of Covid cover - covering you if you get ill while travelling and require emergency medical care or medical repatriation to the UK.

Some 98% of those we checked also cover cancellation costs if you can't travel because you're ill with the virus.

From here, the degree of Covid cover varies significantly between policies - meaning you can't make assumptions about what's covered and should check very carefully if Covid cover is a priority for you. 

Of the policies we analysed, fewer than one in ten will pay if your hotel closes because of Covid and you can't get your money back. 

And only a handful of providers cover you if you choose to cancel your plans because the FCDO advises against travel to your destination due to Covid. At the time of our analysis in April 2023, these were:

• Direct Line
• M&S Bank
• Nationwide Building Society

How do I claim on my travel insurance?

For emergency medical claims, your travel insurer will have a 24/7 phone line. It's worth saving the number if your phone prior to travelling.

To make other claims, you may be able to claim by phone and/or online. Don't leave it more than a couple of weeks to claim, as there may be time limits.

• Find out more: How to claim on your travel insurance   

What medical conditions do you have to declare for travel insurance?

Any current or recent medical conditions that haven't been disclosed to your insurer will almost certainly be automatically excluded from your policy. 

In recent Which? research, we found that pre-existing medical conditions were the second most common reason for claims being turned down.

When you declare a condition, you'll go through a medical screening process where you give the insurer information about your medical history. When you buy insurance by itself, this will usually form part of the application process. 

With some providers (for example where the cover is included with a holiday or a bank account), you'll need to contact the insurer separately to have the conditions added. If you're uncertain about what needs to be declared, it's best to contact the insurer. 

• Find out more:  Best travel insurance if you have a medical condition  

How else can you protect your holiday?

Travel insurers only expect you to claim with them if you've been unable to recover your money through other channels.

Book with a Which? Recommended holiday provider

If a package holiday firm cancels your holiday, or airlines can't fulfil flights, you're entitled to a refund by law.

Unfortunately, in the wake of Covid, not all travel providers fulfilled their legal obligations. For peace of mind, opt for one of our Which? Recommended Providers .

• Find out more:  Your legal rights with package holiday companies

Atol protection

If you buy a package holiday that includes flights from an Atol-protected firm, you'll get your money back if it goes bust. You'll also be repatriated if this happens while you're on holiday.

• Find out more:  how do I know if my holiday is Atol protected?

Your credit card provider

If you can, pay for your holiday with a credit card .

If you pay with a credit card for services costing more than £100 and less than £30,000 that aren't provided as advertised, you can claim the money back from your card supplier if the seller (ie the holiday company) won't refund you.

• Find out more:  Section 75

Banks have similar schemes to help you recover money for services that haven't been fulfilled as paid for. These are known as chargeback.

Chargeback can be used to recover debit and prepaid card payments, as well as credit card payments below £100.

Banks aren't legally bound to do this in the same way as credit card providers are under Section 75, so you should always pay for amounts over £100 with a credit card if possible.

How we analyse travel insurance

Our editorial independence means we are able to work on behalf of consumers, not insurers. That means our reviews are fair and there's no hidden agenda.

Policy score

The policy score rates how comprehensive the cover is in a policy – the higher the better.

We've looked at 161 policies, examining 67 elements of cover in each.

Policies are given points for each element of cover, reflecting how competitive their cover is compared with what other policies offer. The policy score shows how well the policy did overall. 

Based on our assessment of which elements are more or less important for customers choosing and using travel insurance, we adjust the impact that points earned in each area has on the overall policy score.

Among the highest-weighted elements are medical expenses cover, cancellation cover and the compulsory excesses on the policy.

How we pick Which? Best Buys

Our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. 

It doesn't reflect customer service. However, we do look at claims statistics published by the Financial Conduct Authority and complaints data from the Financial Ombudsman Service, where these are available. We won't give a Best Buy badge to providers shown to reject higher than average numbers of claims or that have a poor track record when it comes to complaints.

Policies named as Best Buys did well in our analysis of cover, with a policy score of at least 66%.

Additionally, Best Buy policies scored well consistently across different areas of cover. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the features we compare (see 'Policy score' for more).

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

• £5m cover for medical expenses - with emergency medical repatriation and some cover for emergency dental treatment
• £2,000 cancellation and travel abandonment cover - including cancellation in the event that the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination country because of civil unrest, war, terrorism or natural disaster after you've insured your holiday
• Cancellation cover because of the illness, injury or death of a close family member or a person you were planning to stay with; cover for travel delays - including cover for missing your outgoing or returning flight due to delays
• £1,500 cover for baggage
• £2m personal liability cover

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More questions on travel insurance? Take a look at our guides:

• Best travel insurance for pre-existing medical conditions
• Best travel insurance for seniors
• Best cruise insurance
• Best ski insurance
• The Ehic and Ghic explained  
• Golf travel insurance explained  
• How to claim on your travel insurance

Compare travel insurance

Find the right policy for your holiday using the service provided by Confused.com

Travel insurance reviews

• All Clear travel insurance review
• Admiral travel insurance review
• Avanti travel insurance review
• Avion travel insurance review
• Aviva travel insurance review
• Barclays travel insurance review
• Direct Line travel insurance review
• Flexicover travel insurance review
• InsureandGo travel insurance review
• Nationwide travel insurance review
• NFU Mutual travel insurance review
• Post Office travel insurance review
• Saga travel insurance review
• Sainsbury's Bank travel insurance review
• Staysure travel insurance review
• Tesco Bank travel insurance review
• Unity Travel travel insurance review
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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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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Foreign travel insurance

If you’re travelling abroad, it's important to take out appropriate travel insurance before you go.

If you travel internationally you should buy appropriate travel insurance before you go. If you already have a travel insurance policy, check what cover it provides for coronavirus-related events, including medical treatment and travel disruption, and any planned activities such as adventure sports. If you are choosing a new policy, make sure you check how it covers these issues.

If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds.

For example:

You should buy your travel insurance as soon as possible after booking your trip. Read the small print, and familiarise yourself with any exclusion clauses for the policy.

When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf.

The Association of British Insurers (ABI) represents over 200 insurance companies. Read ABI’s advice on travel insurance , including how COVID-19 can affect it, and their guide on choosing the right travel insurance policy .

In addition to making sure you have appropriate insurance, you should check and sign up to travel advice for your destination.

What to consider when you buy travel insurance for you and your family

• emergency treatment and hospital bills can be expensive. Check whether your policy covers treatment in public or private hospitals
• emergency transport, such as an ambulance, is often charged separately to other medical expenses, and emergency travel home on medical grounds can also be expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if anyone gets ill during your trip. Failing to declare something may invalidate your travel insurance
• all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance for some activities). Also consider all the places you intend to visit, even if you are in transit, in case anyone needs emergency treatment in another country
• cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment. Check the booking conditions of the operator you plan to sail with
• repatriation costs if you or a family member die abroad
• getting home after medical treatment if you cannot use your original ticket
• reasonable costs for a family member or friend to stay with you, or travel out to accompany you home, if required
• 24-hour assistance helplines to offer support and advice about appropriate treatment
• COVID 19 cover for if you or family members cannot return home because you/they test positive for COVID during your travel. Check your insurance covers additional costs such as alternative flights, accommodation and COVID tests. You should also check your insurance provides cover if you cannot reach your final destination during transit due to COVID-19
• within Europe, some insurers may waive any excess on medical treatment if you use a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC). Check the terms of your policy or contact your insurer to see if this is the case. EHIC and GHIC allow you to access state-provided medically necessary healthcare within the EU and Switzerland on the same terms as residents of these countries. Note that EHIC and GHIC are not alternatives to travel insurance as they do not cover any private medical healthcare costs, repatriation or additional costs such as mountain rescue in ski resorts. Find out more about the EHIC and GHIC, including how to apply for one free of charge
• ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA) . Some insurance policies do not provide cover for when airlines or suppliers go out of business. Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover

Policy exclusions

Check how an insurance policy covers:

• alcohol and drugs: most travel insurance policies do not cover events that happen after you have drunk excessive alcohol or taken recreational drugs or other substances
• high risk destinations: many travel insurance policies will not cover travel to a high risk destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all but essential travel or all travel. Check your policy wording and the relevant country travel advice pages before booking your trip and buying insurance
• mental health conditions: some policies may exclude cover for treatment related to a pre-existing mental health condition. For more guidance see foreign travel advice for people with mental health issues
• age restrictions: check whether there are any age-related restrictions if you are buying an annual policy. The Money Advice Service provides guidance on how to choose the right level of cover, get the best deal, and make a travel insurance claim. It also has specific guidance for travellers over the age of 65 or with pre-existing medical conditions
• sports such as bungee jumping, jet skiing, winter sports or skydiving: these are not usually included in standard policies. Use of quad bikes and hire of mopeds is also usually not covered
• driving overseas: check Driving abroad . If you’re hiring a car, check what cover the hire company provides. If you are driving your own vehicle, check your motor insurance policy to see what it covers
• terrorist acts: most policies offer only limited cover for terrorist acts. As a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in a terrorist attack. Some travel insurers offer policy add-ons to provide additional cover if there is a terrorist attack in your destination. This may include cancellation cover, if your destination is affected by a terrorist attack before your trip and you decide you no longer wish to travel
• other incidents: some policies only offer limited cover for claims related to or caused by a natural disaster (such as an earthquake or tropical cyclone) or civil unrest. You may also not be covered for some claims that arise from an incident (such as strikes or other industrial action) that was known publicly when you booked your trip and/or bought your travel insurance policy

Insurance for extended periods of travel

‘Long-stay’ travel insurance can cover extended periods of continuous travel. Check carefully the maximum duration allowed in any policy you consider buying to ensure that it meets your needs.

Make sure that the entire policy meets your needs, including specific activities and work (paid or unpaid) you may undertake.

Insurance if you live abroad or go for work or study

Travel insurance is not intended for permanent residence abroad. If you live overseas, or you’re planning to move to a different country to live, work or study, you should consider your insurance needs carefully. Local law may require you to have medical insurance, including as part of a visa application.

Read the healthcare guidance in the Living in guide for the country where you live to ensure you have the right healthcare arrangements for your circumstances.

You can buy private medical insurance for UK expatriates. You can also buy insurance from local providers overseas. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in future.

Support for British nationals abroad

Support for British Nationals Abroad explains how the FCDO can provide support to British nationals if things go wrong abroad.

Reviewed and updated guidance in full.

Updated guidance on using an EHIC or GHIC to access healthcare in Switzerland.

Updated to reflect new rules for travelling to amber list countries.

Updated COVID-19 section on new rules for international travel from 17 May.

Updated to reflect current COVID-19 travel guidance

New link to the declaration form for international travel (for England), from 8 March.

Edited grey box at top of page to provide further information on requirements coming into affect from 15 February

From 15 February you will need to quarantine in a government-approved hotel if you arrive in the UK from countries on the travel ban list.

Updated with new requirements coming into effect from 4am on 18 January 2021.

Updated with information on pre-departure testing for everyone travelling into England and Scotland.

Updated to reflect latest UK COVID-19 restrictions.

Updated the section on travel to Iceland, Liechtenstein, Norway and Switzerland, to reflect changes from 1 January 2021.

Updated ‘Travel to the EU’ section to reflect that UK-issued European Health Insurance Cards (EHIC) will still be accepted in EU countries, with different guidance for people travelling to Norway, Iceland, Liechtenstein and Switzerland from 1 January 2021.

Updated COVID-19 travel guidance

Updated to reflect the latest Tier-based COVID-19 rules for England

Updated to reflect the 5 November national restrictions for England relating to travel

Updated EU travel section with information on EHIC validity

New information on making sure your travel insurance covers you for coronavirus-related events

Update to contents including addition of new segments; travel insurance after starting travel or changing your plans, making a travel insurance claim, other financial protection and if you’re not covered.

Added information on financial protection of package holidays.

Information on the use of European Health Insurance cards (EHIC) in the event of a no deal added to the EU Exit update section

EU Exit update with advice on checking insurance coverage when travelling to Europe after the UK leaves the EU.

Content and format changes

Inclusion of Association of Travel Insurance Intermediaries (ATII) information.

Updated information on travel insurance

First published.

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Do I Need Travel Insurance For The UK?

Although the UK isn’t part of the Schengen Area, AXA’s Europe Travel insurance also covers you if you are planning on a trip to Britain. 

From the bright lights of bustling London to the beautiful landscapes of Scotland, there is so much to see in the UK. You can visit Liverpool, the home of The Beatles, watch Manchester’s two famous football teams, or go back in time and visit Stonehenge, medieval castles, or Sherwood Forest - the home of Britain’s legendary outlaw Robin Hood. If the weather’s kind, there is nothing like a meal of traditional British fish and chips by the seaside. 

Sports fans can also visit some of the world’s best golf courses or take in a game at London’s homes of cricket, Lord’s and The Oval. 

In case you hadn’t noticed, there have been some changes in the United Kingdom’s status within Europe in recent years due to Brexit - which has altered Britons ability to live and work in the EU and vice versa, due to the end of free movement between the UK and EU. 

However, if you are traveling as a tourist, little may change. The UK still has similar visa-free travel arrangements to the Schengen Area - but it is worth checking if your country has this arrangement. The maximum stay on a visitor’s visa is six months.

AXA’s Europe Travel insurance offers extensive protection for those traveling to the UK - as it can cover medical expenses up to €100,000 in the UK and other Schengen Area countries. It also allows you to obtain the travel insurance certificate required with your visa application. 

What does AXA Europe Travel insurance for the UK cover?

Starting at €33 per week (approx. US$36) of your trip, our Europe Travel insurance covers

• Up to €100,000 coverage in medical expenses 
• Medical repatriation & transport 
• 24/7 medical assistance in English or French in case of urgency
• Up to 180 days of coverage
• All Schengen and European Union countries as well as the United Kingdom (depending on the chosen insurance)
• Insurance certificate issued immediately and approved by the embassies
• No age limit
• Zero deductible - which will allow you to avoid some upfront and early costs with your claim

Is travel insurance required for a UK visa?

Travel insurance is not required for UK Visitor Visas for up to six-month stays - but if you are planning on entering the Schengen Area via Britain you will need it to obtain a Schengen Visa. Either way, travel insurance is strongly recommended as medical costs can be high for foreigners, especially as you will need to pay for any prescriptions.

Do you cover emergency medical costs related to coronavirus? 

We will cover your medical costs related to coronavirus provided you haven't traveled against World Health Organization advice, personal medical advice from your doctor, or any other government body’s advice in your home country or the country you are traveling to. Emergency and additional travel costs are also covered providing you have stuck to this advice. 

All issued electronic certificates purchased on the axa-schengen site include this disclaimer: “ Medical fees related to COVID-19 are covered in the terms, conditions & exclusions established in the insurance policy ”. This will satisfy any embassy rules that state you must get an insurance certificate with Covid protection. 

Will the AXA travel insurance meet Schengen requirements should I visit Europe?

AXA has been delivering insurance certificates that meet Schengen countries’ requirements to obtain a visa for more than 10 years.  This applies to Europe travel insurance you may take out for the UK. All you need to do is print the electronic form of the health insurance certificate and enclose it with your visa application. Each AXA Schengen insurance certificate is individualized and bears a number that is verifiable on our website.

Should I still purchase AXA insurance to cover my possible health expenses?

Travel insurance is not mandatory for the UK, but that doesn’t mean you won’t be injured or get ill. A broken wrist or nasty infection can happen to anyone! We thus strongly recommend that you subscribe to our insurance for travelers visiting Europe to make sure your trip is as safe and peaceful as possible. Particularly if tackling dangerous sports.

What are the main advantages of AXA Europe Travel insurance?

• Compliant with European requirements for Schengen Visa. 10 years of existence
• Immediate coverage. Your insurance covers you from the first day you need it
• No age restriction, zero deductible
• No price variation because of nationality or age
• Refund if your Schengen Visa application is denied.

Why should you trust us?

• Medical files processed by AXA Schengen in 2021: 2292
• Medical calls processed by our agents in 2021: 3845

What insurance plans do you have to consider?

Is a schengen visa valid for the uk.

A Schengen visa is not valid for the UK, and you will need a tourist visa to travel to Great Britain. A standard visitor’s visa allows you to stay for up to six months. If you are a citizen of Ireland, an EU/EEA member state or Switzerland, you do not require a visit or holiday visa to travel to Ireland. You will also not need a visa if you are a citizen of a country with a visa free travel arrangement with the UK.

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

Don’t worry - AXA’s Schengen insurance is here to guide, help, and protect you. In case of a medical emergency, you must contact the AXA Schengen call center at the number provided on your insurance policy. Medical assistance professionals will answer your questions and advise you 24/7 to help you find the medical center best suited to your situation and the closest to your location.

The following information must be given to the call center:

• The number of your policy, which begins with “SCH”.
• The address and telephone number at which you can be reached and the details of the people that can be contacted locally.
• The dossier number, which is communicated at the time of the first call.

IMPORTANT: Remember to always keep bills/ invoices and enclose them with your file.

What should I know when preparing for my trip to the U.K.?

Security: The United Kingdom is considered a very safe country. Like anywhere, there are parts that are dangerous and should be avoided, but for the most part, completely safe to travel to. Pickpockets are known to operate in central London, and some other major cities.

Public transport: The UK has an extensive - if at times crowded - rail network that enables you to travel between major cities and towns. London is covered by an extensive bus network but services are patchier outside major cities. The London Underground may be the oldest and most famous metro train network, but other cities with networks are Merseyside (Liverpool), Tyne and Wear (Newcastle and Sunderland), and Glasgow. Other cities have tram networks including Manchester and Sheffield. You can also travel the country by coach.

Opening hours: Britain has liberal opening hours but convenience stores are usually open from around 7 or 8 am until 10 pm. Supermarkets keep similar hours but may close slightly earlier. Shops shut earlier on Sundays - often at 4 or 5 pm. In major cities, some late-night stores are available.

Driving license: In the UK, you can drive with a valid driving license from your own country or an International Driving Permit for one year before you must take out a Provisional UK Licence and put 'L' plates on your car. 

Restaurants: Lunch in the UK is generally taken around 1 pm - with many restaurants and pubs opening at midday. Many cafes and pubs open earlier for breakfast. Dinner is generally eaten from around 6.30 pm onwards - with restaurants busiest after 7 pm and often closing at 11 pm - although this is when serving will end and you will be allowed to finish your meal and drinks.

Visa: Although many countries, like USA, Canada, Australia and New Zealand, have visa-free travel with the United Kingdom and the Schengen Area, if you think you do need a visa you can find out more, click here .

Get Schengen insurance

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Travel Insurance for the UK from India

The United Kingdom has always been a hotspot for tourists, students and entrepreneurs. A lot of prep and planning goes on while planning a trip here. However, your preparation is incomplete without buying India to UK travel insurance. Whether for tourism, work or study, there is no better safety net than UK travel insurance. For anyone taking a trip to this place, consider this the ultimate guide to securing your trip.

Don’t worry you can change your trip dates at a later stage

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If the traveller have a known illness, injury or health condition like heart disease, diabetes, cancer etc which will help us cover you

Please select the travellers who have a pre-existing medical condition

* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

• 1 Destinations
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• 3 Travellers

Plans start from ₹50 per day*

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• No medical checkup required
• Pre-existing coverage available
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• Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
• 24x7 claims support

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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Travel Insurance from India to the UK

Located in the northwest part of Europe, the United Kingdom consists of England, Northern Ireland, Scotland, Wales, and several other small islands. Revered for several historic and modern landmarks, the UK is almost sacred for students, travellers, and entrepreneurs.

Whether you're trekking in the Scottish Highlands or enjoying the bustling nightlife in London, it's essential to secure your journey with travel insurance policy . It is specially designed for travellers visiting different parts of the UK so that geographical limits don't jeopardise your safety.

From several journeys related to mishaps to serious ones like falling sick, you won't be alone in a new place.

Fast Facts about The UK

Key benefits of travel insurance for the uk.

A country as developed as the UK has a lot to offer. However, life can be uncertain, and it is essential to take adequate measures. While planning your trip, don't forget to buy your UK travel insurance plan. Take a look at some key benefits of buying travel health insurance from India to UK:

• Your trip insurance offers 24X7 travel assistance in case any need arises
• You will be covered for any medical expenses caused by accident, sudden illness, etc., under travel medical insurance from India to UK
• UK trip insurance also includes hospitalisation expenses, medical evacuation and repatriation expenses
• The insurer will reimburse you for any passport loss or baggage loss/damage as per policy terms
• India to UK travel insurance also covers COVID-19-covered benefits such as treatment or hospitalisation expenses, quarantine costs, etc.
• In case of any third-party liabilities, you will get personal liability coverage benefits from your insurer

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

Adequate planning is vital for a hassle-free and safe journey to the UK. This requires prior arrangements and bookings to ensure there are no last-minute emergencies. This also includes getting the best travel insurance from India to UK.

For this reason, several travel insurance companies in India offer travel insurance for the UK from India so that nothing is left to chance. Some of the benefits are mentioned briefly:

• It serves as short-term medical insurance for UK visitors from India in case of various health emergencies, including accidents, illnesses, hospitalisations, etc.
• Journey Coverage for flight delays/cancellations, bounce hotel bookings and passport loss.
• Baggage Coverage for delay or loss of your checked-in baggage
• Other benefits such as home burglary insurance, cover for pre-existing diseases and other available add-ons

We all know how unpredictable things have become since the pandemic; you must take proper precautions to prepare for any emergency that may spoil the trip. Buying the best travel insurance for UK from India is a great way to prepare for anything that has the potential to affect the trip financially.

The UK Tourist Places

The UK consists of some of Europe's most popular destinations. Thanks to its diverse culture and beautiful scenery, you can find almost everything here- mesmerising landscapes, brilliant castles, world-class museums, and art galleries. Take a look at some of the must-visit places in the United Kingdom :

• London - The heart of England is an all-in-one package for any traveller. Remember to visit the Tower of London, Big Ben, the Jewel House and the spectacular 1,000-year-old Tower Bridge if you are short on time.
• Edinburgh - The capital of Scotland, this historical place boasts many well-preserved buildings and is a must-visit place in Scotland. Home to the stunning Edinburgh Castle, this 13th-century fortress has several highlights not to be missed. Also visit the Royal Palace, One O'clock Salute, the Scottish National War Memorial and the legendary Stone of Destiny.
• Salisbury and Stonehenge - These places are very close, with barely 15 kilometres between them. Stonehenge is among the world's oldest World Heritage Sites and has attracted pilgrims for over 4,500 years. The mediaeval city of Salisbury has the original Magna Carta and is one of the most famous cathedrals in the UK.
• Giant's Causeway - While the UK still includes a tiny part of Ireland, tourists can guess Ireland's beauty from this magnificent site. This UNESCO World Heritage Site is a stunning natural feature made of varying columns of layered basalt. With over 4,000 polygonal-shaped steps formed over 50 million years ago, this place must definitely be on your bucket list!
• Cardiff - The capital city of Wales, packs a lot of fun things despite its small size. The famous Cardiff Castle dates back to 1090 and is built on an ancient Roman fort. The city has several Victorian shopping arcades and is home to numerous theatres, restaurants and shops. Remember to visit The Hayes, the World of Boats and Techniquest, while you're in Cardiff Bay.

No matter what places you decide to put on your UK itinerary , prioritising safety is essential. Make sure to buy the best travel insurance for the UK to avoid any emergencies or last-minute disappointments.

Visa Information for The UK

The UK offers Several visas to foreigners, mostly depending on the purpose of their visit. Indian nationals are offered the following types of UK visas :

• Standard UK Visitor Visa : Indians can apply for this visa for up to 6 months. Those visiting for tourism, work, short-term courses, medical reasons, diplomatic visits or visiting friends or relatives may apply for this.
• Long-term Standard Visitor Visa : These are available for varying periods ranging from two to 10 years; however, every visit shouldn't exceed six months. These include marriage visitor visas, Tier 4 student visas , Tier 2 sportsperson visas and many more.

You may contact the British Embassy in India or visit the official website to learn more about UK visa requirements.

Entry Information for Indians Travelling to The UK

Indian nationals need a pre-approved visa to visit the UK. You must apply for a visa well in advance to avoid visa cancellations or errors. Following are some essential documents required for the UK Visa:

• Visa appointment confirmation
• Fee payment receipt of visa application
• Recent passport photographs
• Valid Indian passport
• Flight tickets

You should confirm with the airlines or the latest news to know the exact entry requirements. Meanwhile, it is best to have travel medical insurance for UK visitors from India so that any health emergencies can be handled without disturbing your budget. For this reason, buying travel health insurance for UK visitors from India is strongly recommended as soon as flight tickets and visa formalities are taken care of.

Documents Required While Travelling from India to The UK

All travellers visiting the UK from India need to fulfil specific entry requirements and carry some important travel documents:

• Indian passport with a validity of at least six months
• Pre-approved UK visa
• Travel tickets (including onward or return tickets)
• Medicine prescription, if required

Don't forget to carry international travel insurance for the UK to avoid any unpleasant expenses during your journey!

Best Time to Visit the UK

Spring and Autumn are the best times to visit the UK. Spring lasts from late March to early June, whereas Autumn starts from September through November.

The spring months are dry and warm, perfect for sightseeing and exploring parks and the countryside across most of the region. Autumn months are also beautiful due to their hue and are much less crowded than spring.

Currency & Foreign Exchange

GBP, or Pound sterling, is the official currency used in the UK. Its symbol is £. It is further divided into 100 Pence. Here's the present exchange rate for GBP:

*Value subject to change with time and market fluctuations

Indian Embassy in the UK

In case of emergencies, it is best to contact the High Commission of India in the UK. Please keep the following details handy:

You can also visit the High Commission of India after confirming your appointment at the following address:

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

The nearest tube stations include Covent Garden, Holborn, Temple & Charing Cross.

UK Travel: Safety & Precautionary Measures to be Undertaken

Whether you're visiting the UK for the first time or third, there are always a few things that go a long way to ensure your safety:

• While the country is pretty safe, petty crimes are common. Emergency numbers here are 999 or 112
• Be up-to-date with local news and follow their guidelines
• Wear masks properly and keep sanitisers handy
• Don't leave your bags unattended; this may cause a security alert. If you find any unattended item or bag in a public area, report them
• Use only registered minicabs or taxis when travelling in London

The UK is a pretty developed and expensive country; make sure to buy UK travel insurance from India to avoid any emergencies causing financial strain.

Countries that Need International Travel Insurance Policy

Travel Insurance for the UK: FAQs

Q1. do i need a travel insurance from india to uk.

Indians can visit the UK without a travel insurance UK plan, but it is highly recommended that anyone planning to come here buys UK travel insurance. It will cover any emergency expenses incurred for several reasons.  

Q2. How much is travel insurance for UK from India?

The cost of travel insurance in the UK will vary depending on the total number of days, your age, and other factors.

Q3. Which is the best travel insurance from India to the UK?

Any comprehensive travel insurance for the UK is suitable for your trip. Just ensure it provides sufficient coverage for hospitalisation and travel-related emergencies like passport/luggage loss, flight delays, etc.

Q4. Is Indian health insurance valid in the UK?

No, your Indian health insurance won't work in the UK. However, you can buy medical insurance for UK visitors from India so that your insurance policy covers any medical expenses you face in the United Kingdom.

Q5. Is healthcare free in the UK for Indians?

No, NHS healthcare is only free for people residing legally in the United Kingdom, not for Indian visitors or tourists. However, people paying the immigration health surcharge can benefit from this.

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A better travel insurance experience for your customers, global capability, marketing and ecommerce support, underpinned by our global operations centres.

Our approach to helping you create the right travel insurance offering is comprehensive, with expertise in insurance sales, product design, underwriting, medical screening, claims and assistance services. We run our own travel insurance brand, Columbus Direct, providing us direct critical understanding of how to run an optimised insurance offering and a testing bed to try new innovative approaches.

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We partnered with easyJet to give passengers relevant and dynamic insurance options, while Zurich provided underwriting. easyJet passengers are presented with products and tailored pricing if their booking matches certain profiles, such as sports or business travel. Depending on the persona purchasing the flights, bespoke add-ons are also offered; for example, enhanced gadget cover may be suggested to families. 

As well as allowing customers to buy their insurance alongside their flights, we also created bespoke, standalone sites that customers can use to buy their travel insurance, plus provided support for sales, customer servicing, claims and assistance in 13 European markets. 

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40 Essential London Travel Tips For First-Timers

If you’re ready to embark on a journey to one of the most iconic cities in the world, then London is the destination you’ve been looking for!

I mean it! I didn’t think much of London before my first trip. Just from the sound of it, London seemed like another boring big city, just like any old metropolis around the world. But oh boy was I completely wrong.

I was completely blown away by all the fun I had during my first trip — and I was traveling alone too!

With its rich culture, vibrant nightlife, and centuries of history, London has something to keep every type of traveler entertained. Truly!

And with so much to do and see, for a first-timer, it can be intimidating to navigate such a large city. Luckily, this article will provide valuable tips to ensure that your trip to London is seamless and enjoyable.

Are you ready to make your trip THAT much better? Then you need to read these useful travel tips before your next visit to London.

This post may contain affiliate links. You won’t be paying a cent more, but in the event of a sale, the small affiliate commission I receive will help keep this blog running/pumping out useful and free content. Thanks a lot!

1. London’s currency is the pound sterling (£). 100 pence = £1.

It’ll be useful to know how much a “pence” is. You may come across it throughout your visit to London.

Funny story: I really needed to use the restroom (or “loo” as the Brits say), and I found a public toilet that charged money to enter — pence to be exact.

I didn’t know how much this was, so I went in blindly and wished for the best when I used my credit card to enter a public bathroom in one of the royal parks. Luckily, it wasn’t too expensive.

2. There are five airports nearby, so make sure you’re booking your flights to and from the correct one.

The airports are Heathrow Airport, Gatwick Airport, Stansted Airport, Luton Airport, London City Airport.

Most international flights go in and out of Heathrow (LHR), while domestic flights or flights within the EU can go in and out of a few other ones.

3. The London Heathrow Airport is not actually in London.

Heathrow Airport is one of the busiest airports in the world and is often considered to be London’s main airport. However, many people are surprised to learn that Heathrow is actually located outside of London, in the neighboring county of Middlesex.

Heathrow Airport is situated about 14 miles (23 kilometers) west of central London and is easily accessible by public transport, including the London Underground, buses, and trains.

For travelers arriving at Heathrow, it’s important to plan their onward journey carefully to avoid any confusion or delays. There are many transport options available, but some may be more convenient or cost-effective than others depending on your destination and budget.

Depending on the method you choose, getting to/from the airport will take you anywhere from 20 minutes to 1-ish hour.

4. Transportation to and from the airport is a bit more expensive than in other countries.

Expect to spend about $7 to $90 USD, depending on which mode of transportation you choose.

Even if you choose public transportation, not all public transportation options are equally as cheap. For example, the Heathrow Express (the fastest way to get from LHR to Central London) will set you back a hefty amount of money.

The Heathrow Express is a non-stop train service that takes you from Heathrow Airport to Paddington Station in Central London. It runs every 15 minutes and takes just 15 minutes to get to Paddington. However, it can be quite expensive, with a one-way ticket costing around £25 ($34) and a return ticket costing around £37 ($51).

Shocking, right? Read the next few tips to get around this crazy cost.

5. Book your Heathrow Express tickets in advance to save a good chunk of change.

By booking your Heathrow Express journey in advance, you could get a one-way ticket from just £5.50 .

If you’re reading this post early in your trip planning, I recommend you buy your train tickets in advance online to take advantage of substantial discounts compared to buying them on the day of travel. Pricing differs depending on whether you’re 14, 30, or 90 days out from your travel date.

The greatest discount of up to 75% of the walk-up price (the one that’s advertised as £5.50 for a one-way saver ticket) must be booked at least 90 days in advance through the mobile app.

During my latest solo trip to London, I hadn’t started planning my itinerary until a few weeks in advance. By that point, it was far too late to save substantially on Heathrow Express tickets. The cheapest price I could get for Heathrow Express at the time of booking was £20.

Not the best pricing, but it also wasn’t the day-of cost of £25 either!

6. If you missed your chance to snag cheap Heathrow Express tickets, take the London Underground instead.

If you’re looking for a cheaper alternative, the London Underground or the Elizabeth Line are great options.

The Elizabeth Line , also known as Crossrail, is a new line that connects Heathrow Airport with several locations in Central London. It’s a fast and efficient service that runs every 10 minutes and takes around 30 minutes to get to Central London.

The cost of a one-way ticket on the Elizabeth Line is £12.80 ($15 USD) at all times of the day, for a journey from Heathrow airport to Zone 1 (Central London) and vice versa.

If you’re looking for an even cheaper option, you can take the Piccadilly Line on the London Underground . The Piccadilly Line is a slower service than the Heathrow Express or Elizabeth Line, but it’s much cheaper. A one-way ticket on the Piccadilly Line costs around £3 ($4), and a return ticket costs around £6 ($8).

However, keep in mind the journey time can take up to an hour to reach Central London, so if you’re not in a rush, this can be a really budget-friendly option for you.

7. A lot of things in London are painfully expensive. Especially accommodations!

You’ll almost always need to book your room well in advance. If you’re on a budget, hostels are easy to find and offer decently priced double rooms. Simple bed and breakfasts are also a more inexpensive option than typical chain hotels.

During my last solo trip to London, I stumbled across a wonderful little accommodation option called Vincent House . While the rooms were on the simpler side, the fact that there was free breakfast (as well as a dinner/half board option) made my stay so worth the money!

Who wouldn’t want to wake up to a proper English breakfast each and every morning?

They have single rooms too, which means solo travelers don’t need to pay a double-occupancy premium for traveling alone while still getting some much-needed privacy.

Pro Tip: For the best deals on accommodation, try avoiding the summer season as well as the Christmas/New Year holidays.

WHERE TO STAY IN LONDON: CENTRAL LONDON (ZONE 1)

If you are planning a trip to London, one of the most important decisions you will make is where to stay. While there are plenty of great neighborhoods to choose from, staying in a central location in London is a surefire way to have an unforgettable experience.

One major advantage of staying in central London is the proximity to all the world-renowned landmarks. With iconic sites like Big Ben, Buckingham Palace, and The Tower Bridge just minutes away from your hotel or Airbnb, you’ll be able to maximize your time exploring without wasting hours each day commuting on trains and buses.

Staying in a central location also allows for more spontaneity during your trip. With everything within easy reach, you can easily pop back to your hotel or apartment if you need a break or want to drop off some new purchases before heading out again.

A hotel anywhere in Zone 1 is best. More specifically, Zone 1 covers the West End, the Holborn district, Kensington, Paddington, the City of London, Borough, London Bridge, Earl’s Court, Marylebone, Edgware Road, Lambeth North, Waterloo, and more.

Recommended Hotels In Chelsea/Kensington : Egerton House ($$$) or Milestone Hotel Kensington ($$$)

Recommended Hotels In Notting Hill: The Portobello Hotel ($$) or Vincent House ($-$$)

Recommended Hotels In Victoria: The Windermere Hotel, London ($$)

Recommended Hotels In Shoreditch : One Hundred Shoreditch ($$)

Recommended Hostels that are centrally located: Hostel One Notting Hill , Urbany Hostel London , Lee Abbey London

8. Food is expensive too. But there are ways to get around the price.

During lunchtime on weekdays, a lot of restaurants feature a lunch special where you can get a decent amount of food on a lunch menu for a special price.

And unless you decide to eat falafel wraps, kebabs, and grab-and-go food (Pret a Manger, Leon, pizza, etc.), you can expect to spend £15-20 for lunch and slightly more for dinner.

If you’re interested in fine dining, consider making lunch reservations over dinner reservations as lunch meals are typically cheaper.

9. Expect to spend a bit more on shopping than you would in the EU.

If shopping is on your mind, be prepared to pay a few bucks more than you would outside of the UK.

While shopping around many of London’s bustling shopping districts, I found that for international brands like Zara, & other stories, etc.– when you compare the price in pounds vs euros, you’ll actually get a better deal paying the price in euros.

I’d say if you’re traveling to the EU either before or after your trip to London, save your shopping for then.

Now obviously if you’re looking to pick up British snacks and souvenirs only sold in England, you’ll have to shell out money here and pay that premium.

10. The London Pass can save you a ton of money if you’re looking to see a lot in a short amount of time.

This super-popular sightseeing card is jam-packed with tourist goodness and provides free entry to over 80 top attractions in London!

The pass can be purchased for 1, 2, 3, 4, 5, 6, or 10 consecutive days, with prices varying depending on the duration of the pass. With the pass, you can skip the ticket lines at many of the included attractions, saving you time and allowing you to fit more into your day.

Some of the top attractions included in the London Pass are the Tower of London, Westminster Abbey, St. Paul’s Cathedral, the Churchill War Rooms, the London Zoo, and the London Eye.

The pass also includes a hop-on, hop-off bus tour that takes you to many of the city’s top sights while also doubling as free transportation for the day!

In addition to free entry to the included attractions, the London Pass also offers other perks, such as discounts on dining, shopping, and theater tickets. It also includes a guidebook with maps and information on all the included attractions.

11. If you’re looking for a good deal on accommodation in Notting Hill, go with Vincent House.

I’ll say it again, Vincent House is a great value. I stayed here during my last solo trip to London and would stay here again in a heartbeat. And before your mind goes to “oh this must be a hostel”, let me tell you that it was not!

I had my own room and it didn’t cost me an arm and a leg (unlike many other hotels in the Notting Hill area).

Rooms are simple, but how much time are you going to be spending in your room anyway? The complimentary breakfast buffet is amazing for what you’re paying–it was definitely the highlight of every morning in London.

Best of all, the hotel is located just a block away from Portobello Road, super close to Portobello Road Market and all the colorful little houses that made Notting Hill famous. Highly recommend this little residence!

12. London is huge. Explore by neighborhood to avoid wasting time and money on transportation.

London is one of the largest and most diverse cities in the world, covering an area of over 600 square miles. With so much to see and do, it can be overwhelming for visitors to know where to start. One of the best ways to explore London efficiently and economically is to focus on exploring each neighborhood in turn, rather than trying to visit all the city’s attractions in one go.

Public transportation in London can be expensive, particularly if you are using it multiple times a day. By exploring one neighborhood at a time, you can often walk or cycle between different attractions, saving money on transportation costs.

By focusing on one neighborhood at a time, you can take the time to explore its streets, parks, museums, and local shops, getting a deeper understanding of what makes each area special!

Alternatively, you can opt for a full-day adventure ( London In One Day Tour ) to help you understand the lay of the land, get some major London attractions out of the way, and set yourself up with all the knowledge you need for the remaining days of your trip!

13. While an Oyster Card is a cheap and convenient way to pay for public transportation, using contactless paying by credit card or debit card also works.

For those of you who don’t know if your cards have contactless payment, take a look at your cards! This function is indicated by a symbol of four wavy lines.

In fact, during my last 5-day trip to London, I skipped buying the Oyster Card and instead stuck with contactless payments with my credit card. It was simple and convenient and I never ran into any trouble with the entry gates not opening.

By skipping the Oyster Card option, I was able to save the £7 it costs for the Oyster card itself. The fee is non-refundable too. I’d say if you’re planning on going back to London time and time again, it may be worth it for the Oyster card, but if you’re just visiting once every few years, skip it and use contactless payment.

14. Exploring London on foot is the best way to discover Central London.

There’s so much to see at every turn. Walk in one direction and you’ll find yourself in a neighborhood filled with pubs, restaurants, and boutique shopping. Walk a few hundred yards in another direction and you’ll find yourself surrounded by palaces, statues, museums, and churches.

Plus, it’s cheaper than taking public transportation!

15. Traveling during rush hour can be uncomfortably crowded.

Rush hour is defined as the time from 6:30 AM to 9:30 AM and 4 PM to 7 PM. You can expect a ton of people standing face to face (or face to armpit) packed into the subway cars.

Tube fares are also more expensive during this time so be aware if you’re trying to travel on a budget!

If you do, you have to travel during rush hour, remember to take your backpack off and have your belongings glued in front of you so that you are able to see everything that’s happening in and around your bags. You wouldn’t want anything to get swiped out of your bag!

While London is a generally safe city, pickpocketing does occur and you wouldn’t want to be a victim of that now, would you?

16. London is open for business every day of the year, except on Christmas Day.

What this means is that you can plan your trip without needing to account for Sunday/Monday closures as you would in some other destinations like France and Portugal.

Most shops in central London are open seven days a week, though they can only trade for six hours, (usually noon to 6 PM) on Sundays.

17. Make reservations and book tickets to popular day trips, restaurants, performances, tours, or festivals in advance.

In a city with this many people, it makes sense to book your tickets for anything, and everything that you can think of in advance. This will help you avoid any potential disappointment when you find that the restaurant that you’ve been wanting to go to for months is fully booked for a few weeks out.

Many of London’s popular attractions, such as the London Eye and Tower of London, can have long queues, especially during peak tourist season. To avoid waiting in line at iconic London landmarks, consider booking tickets in advance.

Tiqets is a great site for booking skip-the-line entry tickets to popular attractions, while Viator is my go-to for day trip excursions and tours from London.

The only thing where I wouldn’t necessarily recommend advance-purchase tickets is if you’re trying to catch a musical or show in West End for discounted prices. In this case, you can opt for standby tickets or last-minute ticket booths.

Standby tickets can be purchased on the day of the show at the venue. Alternatively, you can head to any last-minute ticket booth on Leicester Square. I recommend TKTS for all last-minute ticket needs!

For an idea of what popular shows are available, check out the current show offerings on Viator .

18. Don’t plan to do too much on your first day here, especially if you’re traveling internationally.

You will likely be jetlagged, so do account for that when planning out your itinerary. Don’t schedule day trips or full-day tours/excursions on your first few days so you can catch up on sleep and adjust to the time shift.

Here are some quick jetlag tips for traveling eastward:

• Adjust your sleep schedule: Start adjusting your sleep schedule a few days before your trip by going to bed and waking up earlier, in line with the destination time zone. This will help your body adjust more quickly to the new time zone.
• Stay hydrated: Drinking plenty of water before, during, and after your flight can help prevent dehydration, which can make jetlag symptoms worse.
• Avoid alcohol and caffeine: Alcohol and caffeine can disrupt your sleep patterns and dehydrate you, making jetlag worse. Try to avoid or limit your intake of these substances before and during your flight.
• Get some sunlight: Exposure to natural light can help regulate your body’s internal clock, making it easier to adjust to the new time zone. Try to spend some time outside during daylight hours when you arrive at your destination.

19. Tipping is a thing here, though it’s not as crazy as it is in the USA.

Here’s a little tipping guide, depending on the situation you’re in:

• At hotels : you can pay a porter £1 per bag. Gratuity for room staff is at your discretion.
• At pubs : not expected, unless table service is provided. If so, pay £1 per round of drinks.
• At restaurants : you can expect a service charge to be included in the bill. If there is no service charge, you can put down 10% for decent service and up to 15% for exceptional service.
• For taxis : you can round the fare up to the nearest pound.

20. Want to experience the dark side of London’s history? The London Dungeon is a whole lot of fun.

Take a water ride through the “rat-infested” streets of London, experience how the Great Fire of London took place, get a haircut and a shave by Sweeney Todd, learn about Jack The Ripper’s gruesome actions, live your way through the plague in the 1600s, and more in this incredibly fun experience that is The London Dungeon !

I had tickets for this experience during my last trip to London, and I already want to go back so badly–and bring along everyone I know who likes dark history! Sure it’s touristy (it’s located right next to the London Eye) but it’s SO much fun and worth every penny.

Seriously, take my money, London Dungeon!!

21. The museums and iconic landmarks are worth visiting, but do make time to simply stroll through the eclectic neighborhoods and markets too.

I’m talking about areas like Greenwich, Marylebone, Seven Dials, Borough Market, Bermondsey Street, and Spitalfields. Not only will you get to ogle at all the colors of the neighborhoods and get in some really good people-watching, but it’s also completely free!

Not sure how to prioritize them all? I’d recommend you get the London Pass for your first few days so you can see all the major landmarks at a steeply discounted price (compared to buying admission tickets for all the attractions separately).

Once you’ve got all the heavy hitters out of the way, it’s time to hit the neighborhoods so you can experience real London! In addition to the list above, other cool areas to add to your list include Shoreditch, Notting Hill, Barnaby, Soho, Chinatown, Brixton, and Hackney Wick.

22. Bathrooms are few and far between in London, so plan your liquid intake wisely!

One of the challenges that many visitors to London encounter is finding public restrooms, especially in busy areas like the city center or popular tourist spots. While there are some public toilets available, they can be difficult to locate, and many require payment to use.

To avoid any discomfort or inconvenience, it’s a good idea to plan your liquid intake carefully when exploring the city. Try to use restrooms whenever you have the opportunity, such as in cafes, restaurants, or shops that allow customers to use their facilities.

Another option is to take advantage of facilities offered by some of London’s major attractions. For example, many museums and galleries have restrooms available for visitors, even if you’re not there to see the exhibits.

If you’re traveling with children, it’s especially important to plan ahead and make sure you know where public restrooms are located. Many parks and playgrounds have restrooms available (some do charge an entree fee of 25-50 pence though), and some shopping centers and department stores have family-friendly facilities that can be used by visitors.

23. On Sundays, do not miss your chance to enjoy Sunday Roast.

Sunday Roast is a traditional meal that is typically served on Sundays in London and throughout the UK. It typically consists of roasted meat (such as beef, chicken, pork, or lamb) served with roasted potatoes, vegetables, Yorkshire pudding, and gravy.

The meal is often enjoyed with family and friends, and is a popular choice for lunch or dinner on Sundays. It is considered a classic British dish, and many pubs and restaurants in London offer Sunday Roast as a menu item. Kids are welcome at these pubs too!

Sunday Roast is like Thanksgiving every Sunday, so don’t miss it!

Pro Tip: If you’re not sure where to head for pubs, I’d recommend Notting Hill. A lot of these pubs are family-friendly too, especially on weekends.

24. Visit a pie shop while you’re in town.

A pie shop wasn’t featured in Sweeney Todd for nothing! London is filled with great pie shops serving everything from savory to sweet pies. We’re all familiar with what sweet pies are, but some of the most popular savory pie flavors include:

• Steak and ale: a classic pie made with chunks of tender beef and ale gravy
• Chicken and mushroom: a creamy pie filled with chicken, mushrooms, and a rich sauce
• Pork pie: a small, individual pie filled with seasoned pork and jelly
• Shepherd’s pie: a pie made with ground lamb or beef, vegetables, and topped with mashed potatoes
• Fish pie: a creamy pie made with a variety of fish and topped with mashed potatoes

For some of the best pies in London, head to M. Manze, MotherMash, or Cockney’s Pie & Mash Shop .

25. Don’t just eat British food during your trip, Indian cuisine is amazing in London.

While British food certainly has its charms, there are plenty of other delicious options to try in London as well. One cuisine that is particularly well-represented in the city is Indian food, thanks in part to the large Indian and South Asian population.

If you didn’t already know, London has really good Indian food. Whether you’re in the mood for spicy curries, crispy pakoras, flavorful biriyanis, or fluffy garlic naan, there is sure to be an Indian dish that satisfies your cravings.

Some popular Indian restaurants in London include Dishoom (there are lots of locations throughout the city because it’s THAT good), Masala Zone, Tayyabs, and Hoppers . Many of these restaurants also offer vegetarian and vegan options, as well as gluten-free choices.

26. Make some time to check out the free green spaces in London.

London is a bustling metropolis that can sometimes feel overwhelming with its crowds and traffic. However, there are plenty of free green spaces throughout the city that offer a respite from the hustle and bustle.

Here are some of the best parks in London that are worth checking out:

• Hyde Park: one of the city’s largest and most popular parks. It features expansive green spaces, a lake, and several famous landmarks like Speakers’ Corner and the Serpentine Gallery.
• Hampstead Heath : This sprawling park in north London offers plenty of open spaces, woodland, and ponds, as well as a stunning view of the city from Parliament Hill.
• Regent’s Park : Another large park in central London, Regent’s Park is home to the London Zoo, several beautiful gardens, and the famous Open Air Theatre.
• Greenwich Park : Located in southeast London, Greenwich Park offers stunning views of the city skyline, as well as several historical landmarks like the Royal Observatory and the National Maritime Museum.
• Richmond Park : The largest of London’s Royal Parks, Richmond Park is home to herds of deer, as well as several walking and cycling trails, gardens, and ponds.

Remember, entry to these parks are free, so be sure to make some time to explore these natural spaces during your visit to London–especially during the months when trees are full and flowers are in bloom.

27. For antiques and vintage shopping, head to Portobello Road Market.

You can buy so much along Portobello Road. You can pick up hip and trendy clothing from an indie boutique, hidden treasures from a charity shop, a vintage teacup from an antique shop, and so much more!

Because of how eclectic it is, Portobello Road Market is one of my favorite areas of London, despite it being a touristy place to visit.

Head to House of Retro for super unique styles! This store completely blew me away with its adorable clothing and accessories.

28. Afternoon tea is a fun little tradition in London worth doing at least once.

Afternoon tea is a quintessentially British tradition that has been enjoyed for centuries. It typically involves a mid-afternoon meal of tea, sandwiches, scones, and cakes, and is often seen as a social occasion for friends and family to catch up and enjoy each other’s company. If you’re planning a trip to London, afternoon tea is definitely worth experiencing at least once.

Many hotels, restaurants, and tea rooms offer traditional afternoon tea service, complete with elegant table settings, fine china, and attentive service.

In addition to the finger foods being super cute and delicious, it’s also a great way to take a break from sightseeing or shopping and to unwind for an hour or two.

Some quintessential places to enjoy afternoon tea in London include The Ritz, Claridge’s, Fortnum & Mason, and The Savoy .

Spots like Fortnum & Mason’s got you with its live classical music, while the Shangri-La Hotel’s Sky High Afternoon Tea has got you on the epic views. Having said that, these will cost you a pretty penny!

There are many other options available at different price points, so if this interests you, do put in a little research to find an afternoon tea menu that fits your budget and preferences.

For something super unique (and fun for the kids), check out the Charlie & The Chocolate Factory Afternoon Tea at One Aldwych!

29. For incredible street art, check out the Shoreditch area in East London.

Shoreditch is an area in East London that has become known as a hub for street art. The streets are lined with colorful murals, graffiti, and other forms of urban art that are constantly changing and evolving.

One of the best things about street art in Shoreditch is that it’s accessible to everyone. You can explore the area on foot and see the art up close, taking in all the intricate details and hidden messages. There are also many street art tours available, led by local artists who can provide insights into the works and the artists who created them.

Some of the most famous street art in Shoreditch includes works by artists like Banksy, ROA, and Invader, but there are also many lesser-known artists who have created stunning pieces that are well worth seeking out.

In addition to street art, Shoreditch is also known for its vibrant nightlife, independent shops, and trendy restaurants and cafes. It’s a great place to spend a day or an evening, soaking up the atmosphere and experiencing the creativity that has made this part of London so famous.

30. Skip Leicester Square — walk one block next to it through Chinatown instead.

Unless you need to go to Leicester Square for something specific (such as the TKTS kiosk for show tickets), I’d recommend you skip it. There’s not really much here other than tacky souvenir stores and touristy restaurants that you can easily find in other ultra-touristy parts of the world.

Instead, take a stroll on the adjacent street, which will take you through the picturesque Chinatown! Be sure to pop into Chinatown Bakery for a light and carby snack, or Four Seasons (known for their Peking duck dishes).

31. Make sure you have an appetite when visiting the Convent Garden area.

When in Covent Garden, don’t miss a stroll through The Yards, Arome Cafe, and Dishoom for a sit-down meal.

Not feeling a sit-down vibe? For something casual yet extremely exciting, head to Seven Dials Market . At the food hall, I recommend Bad Boy Pizza Society, Curry on Naanstop, Pick & Cheese – The Cheese Bar!

32. Make sure that The Changing of the Guard at Buckingham Palace is taking place on the day you plan to visit.

I didn’t know this prior to my visit, but The Changing of the Guard doesn’t take place every day when it’s not peak season! Because I did the London In One Day tour on a day when the event wasn’t happening, I did not get to witness the iconic event during my first trip. Better luck next time!

Here are the event days:

• From June – July: takes place daily
• From August – May: takes place Mondays, Wednesdays, Fridays and Sundays.

33. There are hotspots where you can find all your tacky souvenirs.

You can visit Piccadilly Circus, Covent Garden’s Jubilee Hall Market, or stroll from Westminster to The London Eye for tacky and cheap souvenir heaven.

You’ll find an endless amount of affordable keychains, magnets, and other random items depicting the London guards, British flags, telephone booths, and double-decker buses.

34. Some of the best souvenirs are located in museum gift shops.

Did you know that some of the best souvenirs can be found in museum gift shops? That’s right – forget about tacky keychains or fridge magnets from tourist traps, head straight to a museum shop instead.

Museum shops offer a wide variety of unique and interesting gifts that reflect the collections held within their walls. From beautiful prints and posters and replicas of historical artifacts to beautifully designed tea towels and themed holiday ornaments, you can easily find something for everyone on your list.

The British Museum, for example, has an extensive range of Egyptian-inspired items such as jewelry and home decor pieces. The Natural History Museum offers dinosaur-themed toys for children as well as stunning books on wildlife photography.

Other great places to shop for souvenirs? Department stores (Brits sure love their chocolates and candies) like Selfridges , Harrods , Liberty , and of course Fortnum & Mason for all your tea and gourmet epicurean gifts!

35. Bring an umbrella with you, even if rain is not in the forecast.

One of the most common things that people associate with London is its rainy weather. While it’s true that the city can experience frequent rain showers throughout the year, it’s not always predictable.

Having said that, you’ll want to pack an umbrella when you visit London, even if rain is not in the forecast.

Even if the forecast says that it’s going to be sunny, there’s always a chance of rain, especially during the cooler months of the year. Carrying an umbrella with you ensures that you’re prepared for any sudden changes in the weather!

36. Be prepared to come across a lot of free museums.

There are tons of free museums in London, thanks to the UK government’s commitment to promoting access to culture and education for everyone. Most of these museums are supported by public funding and donations, which allows them to offer free admission to all visitors.

Here are a few of the more popular ones to have on your radar (if they interest you):

• The British Museum : This iconic museum houses a vast collection of artefacts and objects from around the world, including ancient Egyptian mummies, Greek sculptures, and Roman artefacts.
• The National Gallery : This world-renowned art museum boasts an impressive collection of over 2,000 paintings from the 13th to 19th centuries, including works by Leonardo da Vinci, Rembrandt, and Van Gogh.
• The Natural History Museum : This museum is home to a fascinating collection of specimens from the natural world, including dinosaur skeletons, fossils, and rare animal specimens.
• The Science Museum : This interactive museum is perfect for science enthusiasts, with exhibits and interactive displays that cover everything from space exploration to robotics.
• The Tate Modern : This contemporary art museum is located in a former power station and features works by some of the world’s most renowned modern artists, including Picasso and Warhol.

In addition to these major museums, there are also many smaller and more niche museums in London that offer free admission, such as:

• Sir John Soane’s Museum
• Museum of London
• The Wallace Collection
• Grand Museum of Zoology
• The Wellcome Collection
• Victoria and Albert Museum (V&A)
• V&A Museum of Childhood
• Design Museum
• Mediatheque
• The Vault – musical memorabilia in the Hard Rock Cafe!

37. The number of green spaces in London is endless.

Back in the day, British kings loved hunting, so many parts of London were closed off and designated for hunting purposes. Since then, they’ve been converted for recreational use by the public. 

If you want to spend a day enjoying as many green spaces in London, here’s a great walking route through the parks: start in Trafalgar Square, cut over to St. James’ Park , then to Green Park, Hyde Park, Kensington Gardens , and finally make a cut through to Holland Park .

It’ll be a day jam-packed with enough picturesque parks to last a lifetime!

38. Portobello Road Market is an eclectic shopper’s paradise.

Aside from the outdoor vendors along the street, don’t miss the shops along the sidewalks. You’ll find independent boutiques and clothing stores for people of all ages, antique shopping arcades, vintage clothing stores, charity shops, and some really great cafes, dessert shops, and restaurants!

For pointers on funky and interesting shops, stop at House of Retro, Alice’s, Jessie Western, and Kin .

For even more unique vintage/antique/unique treasures shopping markets, head to East London’s Upmarket, Spitalfields Market, and Backyard Market .

39. When out exploring, bring an everyday bag with you that fits a water bottle.

A crossbody or hands-free bag that can fit a water bottle, phone, camera, sunglasses, and your phone charging accessories is a must.

And so is that water bottle! It can be way too easy to forget to drink water while out and about, but the last thing you want to do is get dehydrated midday.

Backpacks usually need to be coat-checked at museums, so you’re better off with an anti-theft crossbody bag. You’ll also want to consider that when you’re taking the tube, it’s safer to have your bag in front of you as opposed to behind you on your back.

And if you’re able to find a bag that folds flat so that you’re able to stow it in your carry-on, even better! I like  Baggallini’s Securtex Anti-Theft Free Time Crossbody Bag  or Travelon’s Anti-Theft Concealed Carry Hobo Bag .

For the guys (and gals too), crossbody shoulder sling bags work really well for traveling if you don’t have a ton of stuff on you! My boyfriend is absolutely obsessed with his  Bellroy Sling Bag .

Worried about pickpocketing? Check out this post:  10 Best Anti-Theft Travel Bags For Your Next Vacation

40. Check out local events during your trip.

London has a vibrant events scene, with plenty of concerts, exhibitions, and festivals taking place throughout the year.

Do a quick Google search or Facebook events search for the dates of your trip to see if there are any local listings for events during your visit.

41. Ride the local bus if you want to see the city without tiring yourself out.

Ride a regular bus for a super cheap, local-life view of the city! The Route 11 bus runs from Fulham to Liverpool Street Station via Chelsea, the Houses of Parliament, Trafalgar Square, St. Paul’s Cathedral, and the Bank of England.

Best of all, the bus ride costs less than £2! There are day passes for less than £5 so you can take the bus back to where you came from — and then some.

Consider Getting The Go City London Pass

Experience the best of London with the Go City London Pass, an all-digital pass that provides easy access to the city’s most popular museums and excursions.

With the Go City London Pass, you can explore the city’s most iconic landmarks, including Tower of London, Westminster Abbey, St. Paul’s Cathedral, Tower Bridge, Shakespeare’s Globe Theatre, and the Royal Observatory Greenwich. You can also visit some of London’s best museums, such as the London Transport Museum and the Household Cavalry Museum.

Here’s a breakdown of the two different passes they have for London:

Go City London All-Inclusive Pass

The Go City All-Inclusive Pass is really great for travelers who want to see as much as possible while they’re in a destination.

With the Go City London All-Inclusive Pass, you can choose between a 1, 2, 3, 4, 5, 6, 7 or 10-day pass that will give you free admission to 80+ museums and attractions throughout the city.

Here’s a sample of what the pass offers:

• Tower of London (Take a look at the magnificent Crown Jewels and see the Tower’s world-famous history. Retail value: £33.60)
• Uber Boat by Thames Clippers 1-day River Roamer (See the best of London’s landmarks from the River Thames with a hop-on hop-off boat tour. Retail value: £23.50)
• 1-Day Hop-On Hop-Off Bus Tour (Get to know London a little better with a hop-on hop-off bus tour! Retail value: £37.00)
• Westminster Abbey (Visit one of London’s most important historical buildings and a UNESCO World Heritage Site. Retail value: £27.00)
• Old Royal Naval College (Explore one of the most stunning painted ceilings in Britain at the Old Royal Naval College. Retail value: £15.00)
• London Bridge Experience (Explore the spooky underground tombs of London Bridge and brave the haunted house. Retail value: £31.95)
• Tower Bridge (Explore one of London’s most iconic structures. Tower Bridge is an unmissable sight! Retail value: £12.30)
• ZSL London Zoo (Meet over 750 incredible species and explore innovative exhibits at ZSL London Zoo. Retail value: £41.80)
• St Paul’s Cathedral (Explore St Paul’s Cathedral, one of the most enchanting architectural landmarks in London. Retail value: £23.00)
• Kensington Palace (Retail value: £25.40)
• Sherlock: The Official Live Game (Retail value: £45.00)
• Royal Mews (Discover the royal working stables and British monarchy’s grand collection of carriages and coaches. Retail value: £15.00)
• The Queen’s Gallery (Step into The Queen’s Gallery in Buckingham Palace to explore art exhibitions and displays from the Royal Collection. Retail value: £17.00)
• Hampton Court Palace (Take a step back in history and walk the hallways of one of the country’s most famous palaces. Retail value: £26.30)
• RHS Garden Wisley (Discover one of the world’s greatest gardens and go green with envy at RHS Garden Wisley. Retail value: £16.50)
• Royal Botanic Gardens, Kew (Admire the unique landscapes, iconic architecture, and a vast collection of living plants at the Royal Botanic Gardens, Kew. Retail value: £21.50)
• …and TONS more!

DEAL ALERT: For a limited time, use the above link + the promo code AFFGOALL for an additional 5% off your Go City pass. This code is valid for any Go City pass in any destination!

Go City London Explorer Pass

If you don’t plan on visiting a ton of different attractions and would like to handpick your activities, Go City also has an Explorer Pass for London. With the Explorer Pass, you’ll pay one flat fee for a 2, 3, 4, 5, 6, or 7-choice pass.

You’ll then have 60 days to use the Explorer Pass on whichever attractions you’d like. There is also no need to pick attractions ahead of time, so you’ll have the flexibility to choose attractions as you go.

A lot of the same attractions included with the All-Inclusive pass are available, but some do differ. You can check out the full list of included attractions here .

No matter which of the two you choose, there’s no denying that the London Pass provides great savings, with up to 50% off the normal ticket value of included attractions!

Other things to know: The pass is valid for the duration of your pass, starting with and including the first day you visit an attraction. Non-activated Explorer and All-Inclusive passes are valid for two years from the date of purchase, so you can buy them now for a good price and travel within two years’ time!

London Travel Insurance

This is a no-brainer. When traveling internationally, be sure to get yourself some travel insurance.

I’ve heard of too many unfortunate experiences where friends and family have had baggage lost/stolen, hotels canceled, or have had unexpected medical emergencies while traveling where they’ve had to cut their trips short.

True story alert — in 2022, my partner even had his shoulder completely dislocated while surfing in Mexico, resulting in a $950 USD emergency room bill that we had to pay out of pocket for! Not fun… and most definitely not cheap.

Without travel insurance, you would have to pay out of pocket for these mishaps. This is why I get travel insurance for all my international trips now!

One of the best budget-friendly travel insurances for those traveling outside their home country is  SafetyWing .

SafetyWing Insurance provides coverage for unexpected illness or injury, including eligible expenses for hospital, doctor or prescription drugs. This means that if you get ill or injured, they will cover the medical expenses.

In addition, it provides emergency travel-related benefits such as emergency medical evacuation (much needed if you like to go hiking / trekking in the wild), travel delay, and lost checked luggage.

Click here to price out how much travel insurance would be for your trip .

Do you have any tips for first-timers to London? Let us know in the comments below!

Looking for more London travel tips? You may also like:

London In One Day Tour: A Jam-Packed Full-Day Adventure Through London

21 Immersive Things To Do In London For People Who Love Unique Experiences

Visiting London In The Winter: 20 Essential Travel Tips You Need To Know

50 Brilliant Ways To Travel Europe On A Budget

10 Best Women’s Shoes For Walking Around Europe (That Are Actually Cute)

9 Best Women’s Travel Vests For Style, Safety And Smarter Travel

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MyFlyt service helps ease the frustration of flight delays for Travelers. While we can’t then back their lost time, we can give them a place to relax or some cash to keep them busy while they wait.

• Easy to set up an account By providing a few important contact details, flight information, and the travel insurance policy number, travellers can sign up with ease at MyFlyt.ca .
• Each time a flight is delayed 2 or more hours, travellers registered with MyFlyt receive their choice of a complimentary airport lounge pass or cash payout, by email and text message.

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Packaged Bank Account Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you.

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page , for help if your travel has been disrupted.

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How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through your mobile banking app or by using Internet Banking. You can also make a claim by calling Allianz Assistance on  +44 (0)345 850 5300 .

Eligibility for each account

I have a silver account expandable section.

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

Am I eligible for cover?

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply.  Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the number below.

• Silver Account:  0345 603 1839

Lines are open 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

I have a Gold, Platinum or Premier Account expandable section

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Doctor in the UK where all trips must start and end.

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened should you wish to notify the insurer of any medical conditions please call the appropriate number below.

• Gold Account:  0345 850 5056
• Platinum Account:  0345 850 5300
• Premier Account:  0345 604 0440

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, £500 of which for valuables)
• Travel disruption cover (up to £5,000)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Important and emergency telephone numbers expandable section

You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below.

• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

24-hour assistance helpline (outside the UK):   +44 (0)208 239 4010 .

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

AA Breakdown Family Cover

Existing customer?

Manage your account  Find out how to manage your account, from reporting a card lost or stolen to things you can do online

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Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

Quote Request

We carry twelve different policies, as such, we will need to obtain some specific information before we will be able to offer a quote. we will require the following:.

Money latest: Morrisons shoppers are going to notice two changes in stores

Morrisons has launched two major changes for shoppers – with stores offering travel money and trolleys now featuring advertisements. Read this and all the latest consumer and personal finance news below - and leave your thoughts in the box.

Thursday 25 April 2024 19:51, UK

• Halifax hikes mortgage rates - as entire market moves upwards
• Renters' Reform Bill signed off - but with indefinite delay to no-fault evictions ban
• Morrisons rolls out bureau de change and trolley adverts

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Ask a question or make a comment

Halifax has become the latest major lender to up mortgage rates.

They are putting up a range of deals by 0.2%.

BM Solutions also announced increases today.

It follows similar moves by TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry last week.

Lenders are responding to swap rates - which dictate how much it costs to lend money - rising on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

This is what average mortgage rates look like as of today...

Justin Moy, managing director of EHF Mortgages, told Newspage: "Yet more bad news for mortgage borrowers, as two of the biggest lenders announce increases to their fixed-rate products. 

"As mortgage rates creep up and past 5% even for those with the largest deposits, we seem to be lacking a clear strategy of the government or the Bank of England on how rates will eventually fall. 

"Even 2% inflation may not be enough to reverse the recent trends in rates."

Morrisons has launched two major changes for shoppers – with stores now offering travel money and trolleys featuring advertisements.

Announcing their bureau de change service, Morrisons said customers could exchange currencies in select stores or could place their money orders online at Morrisonstravelmoney.com.

Using the online service means customers can either click and collect their cash in certain Morrisons stores or at any of Eurochange's 240 branches. Alternatively, they can go for home delivery.

Services director at Morrisons, Jamie Winter, said the service "will provide our customers with easy access to a wide range of currencies at competitive exchange rates".

So far, stores in the following areas have travel money kiosks:

• Basingstoke

In other news, the supermarket chain rolled out a new trolley advertising across 300 stores in a partnership with Retail Media Group.

A sweetener used in drinks, sauces, savoury and sweet foods and chewing gum can cause serious damage to people's health, according to a new study.

Neotame, a "relatively new" sweetener, could damage the intestine by causing damage to healthy bacteria in the gut, according to the study, leading it to become diseased and attack the gut wall.

The study by Anglia Ruskin University (ARU), published in the journal Frontiers in Nutrition, found the negative effect of neotame "has the potential to influence a range of gut functions resulting in poor gut health", potentially impacting metabolic and inflammatory diseases, neuropathic pain, and neurological conditions.

The illnesses this could lead to include irritable bowel disease or insulin resistance.

Read the full story here ...

As we reported yesterday, a pilot programme is coming into force in Venice today that means visitors have to pay a €5 (£4.28) charge to enter the city.

Authorities say the pilot programme is designed to discourage tourists and thin the crowds that throng the canals during peak holiday season, making the city more liveable for residents.

Pictures have been emerging this morning of people queueing to register for a QR code that will allow them to enter after they have paid the charge - and officials carrying out checks on people inside the city.

People found to be contravening the rules can be fined up to €300 (£257).

As detailed in our story , the move has been met with anger among some in the city.

Venice is the first city in the world to introduce a payment system for tourists - but comments from its most senior tourist official suggested it may become a more common practice for major tourist hotspots in Europe.

Simone Venturini revealed the pilot programme was being closely watched by other places suffering from mass tourism - including other Italian art cities and hugely popular weekend-break destinations Barcelona and Amsterdam.

More than 160,000 people switched to Nationwide from other providers at the end of 2023, when the building society was offering a huge cash switching incentive.

According to figures from the Current Account Switch Service (CASS), Nationwide had a net gain of 163,363 account switchers between October and December, after leavers were taken into account.

It was the highest quarterly gain since the same period in 2022, when 111,941 switched to Nationwide.

The building society launched a £200 switching bonus for new joiners in September last year - the biggest giveaway on offer at the time. It withdrew the offer just before Christmas.

The latest CASS figures, which show Nationwide had 196,260 total gains before accounting for leavers, suggesting it could have spent up to £39m on nabbing customers from other providers in the last three months of the year.

Barclays and Lloyds Bank saw more modest net gains of 12,823 and 5,800 respectively, while the rest of the UK's big banks reported net losses.

NatWest and Halifax fared worst, losing over 40,000 more switchers each than they gained.

This week saw the last remaining switching offer on the market withdrawn.

Sainsbury's is having technical issues again - with shoppers taking to social media to say their deliveries have been delayed or cancelled.

The supermarket has been replying to customers saying: "I'm really sorry about the tech issues this morning. 

"We're aware of the situation and are working to sort it as quickly as possible. In the meantime, we'd advise you place a new order for a future date."

Customer Andrew Savage wrote: "Order has not been delivered and no confirmation email this morning."

Another, John B Sheffield, said: "So angry! Just got through to your customer line after 40 min WAIT. 

"Tells me NO DELIVERIES TODAY! tech problem? I've NO FOOD IN! ANGRY!"

In a statement to Sky News, a Sainsbury's spokesperson says: "A small technical issue affected some groceries online orders this morning. 

"We have contacted these customers directly to apologise for the inconvenience." 

In another update at 10am, the supermarket said that the issue has been resolved. 

Responding to customers on X, Sainsbury's also offered those affected e-vouchers and details on how to rebook their orders.

It comes a month after the supermarket had to cancel almost all deliveries on a Saturday in mid-March due to another technical issue.

By Daniel Binns, business reporter

A potential $38.8bn (£31bn) takeover of UK-based mining company  Anglo American  has sent its shares soaring - and helped the FTSE 100 hit yet another record high this morning.

The attempted mega-merger, by larger Australian rival BHP, is currently being reviewed by Anglo American's board.

The deal, if it goes through, would create the world's biggest copper mining company - and comes as the price of the metal continues to climb amid soaring demand.

Anglo American's shares have surged as high as 13% this morning as news of the negotiations emerged.

The announcement also helped spur the FTSE 100 to a new intraday (during the day) high of 8,098 points.

The index, of the London Stock Exchange's 100 most valuable companies, has hit a string of records this week, including  an all-time closing high of 8,044 points  on Tuesday.

The score is based on a calculation of the total value of the shares on the index.

Also moving the markets are a string of company results which were published earlier on Thursday.

Among those issuing updates to investors was drugsmaker AstraZeneca. Its stock is up more than 5% after the firm reported quarterly profit and revenue above market estimates.

Unilever is also up 5% following similar better-than-expected quarterly figures.

Another good performer is  Barclays  - despite reporting a 12% fall in profits for the first three months of 2024. Its shares are up more than 4%.

That's because its quarterly figures are slightly better than expected, and the bank has said it expects its fortunes to improve later this year.

Meanwhile, as tensions in the Middle East continue, the price of a barrel of Brent crude oil continues to hover at a price of around $88 (£70).

This morning £1 buys $1.25 US or €1.16, similar to yesterday.

Every week we get experts to answer your Money Problems - usually on a Monday, but today we have a short, bonus addition in light of multiple lenders raising mortgage rates this week on fears an interest rate cut could be delayed to a little later this year (note: many economists still think it will come in summer).

A few readers have got in touch with questions similar to this one...

My remortgage is due to complete on 1 May. I already have an offer but with rates going up, is there any way at all my offer rate could increase? Saz681

We asked David Hollingworth, director at L&C Mortgages, to answer this one...

It's great news that you are already set up with a mortgage offer, Saz - ready to make a smooth switch to a new deal and/or lender, once the current one ends.  

It does take time to set up a new mortgage so shopping around the market a good few months ahead will help you put everything in place and avoid slipping onto a high variable rate.

Fixed rates have been nudging up slightly but you have already got a formal offer in place so shouldn't worry.  

Applying for a mortgage will generally secure that rate and the lender will then carry out any further checks to issue the mortgage offer.  

The offer will be valid for a specified period, often for up to six months. Rates are always shifting for new customers but you can rest easy that your rate should be safe and sound for your switch in May.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute, leaving your name and where in the country you are, by emailing [email protected] with the subject line "Money blog". Alternatively, WhatsApp us  here .

By Ollie Cooper , Money team

Interest in a phenomenon known as "dark tourism" has been steadily rising in recent years - but what is it?

To find out, we've spoken with tourism academic  Dr Hayley Stainton  and renowned dark tourist and author Dr Peter Hohenhaus, who runs a  dark tourism website .

What is it?

In general, dark tourism involves travelling to sites connected to death or disaster.

"Dark tourism has been around for as long as we have been travelling to places associated with death," Dr Stainton says. 

However, the term wasn't officially coined until 1996 by John Lennon, a professor of tourism at Glasgow Caledonian University, in Scotland.

"Not everyone is familiar with the term," says Dr Stainton, "[but] many people have been a dark tourist at some time or another, whether intentional or not."

Some examples of the most famous sites

• Auschwitz concentration camp, Poland
• 9/11 Memorial and Museum in New York, US
• Chernobyl, Ukraine 
• Hiroshima and Nagasaki, Japan
• Choeung Ek "killing fields" and the Tuol Sleng genocide museum at the former S-21 prison in Phnom Penh, Cambodia 

Areas with a degree of infamy, like Alcatraz, are extremely popular spots that also fall under the "dark tourism" umbrella. 

How popular is it?

Dr Hohenhaus and Dr Stainton say they have noticed a rise in its popularity. 

"Tourists are looking for more unique and unusual experiences," Dr Stainton says. 

"This has seen a move away from the more traditional 'sun, sea and sand' type holidays to a variety of different tourism forms, which includes dark tourism."

Dr Hohenhaus adds: "Maybe people want to connect to more recent and hence more personally relevant history - that is definitely the case with myself."

He goes on: "I think I've learned more about the world through dark tourism than through all of my formal education or my previous academic career."

Is it ethical?

This is the big question associated with dark tourism. 

Dr Stainton says that while problems do arise, the stigma around the practice is often misguided. 

"People don't visit sites like the killing fields in Cambodia or the site of Chernobyl for 'fun' - they visit for the educational experience, as dark tourism is often also a form of educational tourism," she says.

Problems arise when tourists are not respectful to those who may have been impacted.

"For instance, taking inappropriate photos or laughing and joking when others may be in a state of mourning."

Notorious examples include people taking selfies outside Grenfell Tower and at Auschwitz. 

"It is therefore imperative that dark tourists are considerate of those around them and respectful at all times," Dr Stainton says.

"As long as you are not just after a cheap sensationalist thrill - take dark tourism seriously and do it right, and it can be an immensely enriching thing to engage in."  Dr Hohenhaus

Where could you go? 

These are Dr Hohenhaus' recommendations:

• Ijen crater in Indonesia - where at night you can see the fabled blue flames of the sulphur mines next to the volcano crater lake;
• The Polygon, the former Semipalatinsk nuclear weapons test site of the USSR, now in Kazakhstan;
• The Goli Otok former prison island off the coast of Croatia;
• The Murambi memorial to the Rwandan genocide - which Dr Hohenhaus says is "certainly the very darkest place I have ever been";
• Majdanek concentration camp memorial near Lublin, eastern Poland.

What do you think of dark tourism? Is it misunderstood, educational or abhorrent?  Let us know in the comments section...

John Lewis will be sharing its job interview questions online in an attempt to find the "best talent".

The retail chain hopes that allowing candidates to view questions before an interview will allow prospective employees to "really demonstrate what they can do" and prepare, the Financial Times reports.

John Lewis talent acquisition lead Lorna Bullett told Sky News that interviews can feel daunting and "nerves can seriously impact performance".

She added the company want "the right people" from a variety of backgrounds and with "the best talent" to join.

"It makes absolute business sense to find ways of helping candidates to really demonstrate what they can do," she said.

Ms Bullett added that the process will be "no less rigorous".

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