Best Travel Insurance

When it comes to a well-deserved holiday, you shouldn't have to worry about the financial repercussions of unfortunate events like cancellations and accidents. Read our guides and product reviews to help you choose the best travel insurance for you and your vacation.

Compare Travel Insurance

Protect your holiday today. Quick quotes from over 45 insurers.


  • Learning
    How Does Travel Insurance Work?
  • Comparing
    Summary of the Best Travel Insurance Companies
  • Choosing
    How To Pick a Good Travel Insurance Plan for You

We've analysed over two dozen popular UK travel insurance providers, and picked out the following plans because they stood out to us for various reasons, including prices that are attractive relative to the average cost of travel insurance or features like baggage cover. The "best" travel insurance policy for you will depend on your individual needs and individual financial situation. We regularly update this list as we review new providers. Use the information here to help you learn about product differences and narrow down your options.

Best Travel Insurance by Destination

Some insurance companies offer better prices in different geographies. In particular, cover extending to America tends to be more expensive, so if you're travelling to the USA it's even more important to hunt for good value plans.

Best Cheap Travel Insurance for USA (Single or Annual): AXA

Consider this if you want good value and comprehensive cover for trips to the USA.

Our pricing analysis found that AXA travel insurance plans offer particularly good value for Worldwide cover, including America. Annual, Multi-Trip Travel cover for an individual starts around £36, £49 and £56 for Bronze, Silver and Gold cover, respectively. Winter Sports cover would add £22 to £27 or so to your premium. AXA plans all include Baggage, Trip Delay and Cancellation, Insolvency and Catastrophe (e.g., fire, flood, earthquake, volcanic eruption, storm, avalanche, etc.) cover.

Another option if you're only making one trip to America is to buy a Single Trip policy for the USA, even if you plan on using a Mutli-Trip policy to cover other travel throughout the year. AXA's Single Trip plans to the USA are also very competitive, costing around £19 to £38 for an individual.

Pros
  • Competitive premiums
  • Baggage, Insolvency and Catastrophe included
  • Long Winter Sports cover
Cons
  • No Cruise cover
  • Scuba diving more than twice at 18m

Best Cheap Travel Insurance for USA: AA

Consider this if you want good value and comprehensive cover for trips to the USA.

While both of AA travel insurance's travel insurance plans produce good value, with the top-tier Standard plan costing around £65 for Worldwide, Annual, Mutli-Trip cover. We particularly like the features and higher limits of the top-tier Standard plan, as it also covers Financial Failure, Delayed Departure, Abandonment, Hospital Benefit, Hijacking and Mugging, as well as cover for longer trip lengths. (Both plans include some level of cover for Missed Departure, Emergency Medical, Baggage/Possessions, Personal Liability and Legal Advice.) Plus, the Standard plan may cover your pre-existing conditions—potentially helpful for those with a medical issue. We would recommend that you consider adding the Travel Disruption Extension to protect against events like natural disasters. With this option (cost approx. £10), the Standard policy offers quite comprehensive travel insurance for a good price.

Pros
  • Competitive premiums
  • Can add Travel Disruption (e.g., due to Adverse Weather/Natural Catastrophes) for extra cost
  • Financial Failure cover
Cons
  • Lower Baggage limits
  • No cover for trips bought with frequent flier miles/points

Best Cheap Travel Insurance for Single Trip to Europe: Admiral

Consider this if you want cheap deals to Europe, including for Winter Sports.

Admiral's Single Trip plans covering travel to Europe cost as little as £11, £15 and £17 for their three levels of cover ("Admiral," "Gold," and "Platinum"). The top two tiers—Admiral Gold and Admiral Platinum—include Catastrophe cover in addition to Trip Cancellation, Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident and Personal Belongings. Platinum plans also include Hijack cover and Cruise cover as well. Optional Winter Sports cover can add £10 to £15 to the cost of a policy for up to 17 days of European travel, per policy term.

Pros
  • Competitive premiums
  • Catastrophe included on mid- and top-tier plans ("Gold" and "Platinum")
Cons

Best Cheap Travel Insurance for Single Trip to Europe: Holidaysafe

Consider this if you want cheap deals on single trips to Europe.

Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits to suit most needs. Prices are very competitive and solid value can be found amongst plans that can be customized to cover your particular activities, such as Sailing, Scuba, Mountain Biking, Motorcycling, Golf, Running & Triathlon, Cycling, Marathon and Winter Sports. Single trips to Europe can cost as little as £7 or £8. Their cheapest plans would be their "Last Minute" cover, which doesn't include any type of cancellation cover.

Pros
  • Customizing travel cover to your individual needs
  • Insuring long trips
  • Including Personal Belongings/Baggage on all plans
Cons
  • No cover for unused frequent flier miles

Best Cheap Travel Insurance for Single Trip to Europe: Debenhams

Consider this if you want low cost travel insurance to Europe.

Debenhams is another provider of cheap Single Trip travel cover to Europe. Plans start from as little at £9.50 for Standard plans or £13 for Superior cover. Debenhams' travel insurance doesn't cover Insolvency of End Supplier (ESF), so if you want that you'll need to look elsewhere.

Pros
  • Earn a £15 Debenhams gift card
  • Can buy Gadget cover
  • Can buy Cruise cover
  • Covers your home insurance excess while travelling
  • Mobile phones covered up to £100 per person (can add more via Gadget cover)
Cons
  • No cover for Insolvency of End Supplier (ESF)

Best Annual and Single Travel Insurance

If you travel more than twice a year, it's generally cheaper to buy an Annual, Multi-Trip policy than buying a Single Trip policy for each trip you take. Regardless, finding a good deal can save your hard-earned money.

Best Value Travel Insurance: AXA

Consider this if you want good value and comprehensive cover for trips all over the world.

Whether Single or Multi-Trip, you'll see AXA tops the charts across a number of travel insurance needs. They consistently offer solid plans for good value. AXA plans all include Baggage, Trip Delay and Cancellation, Insolvency and Catastrophe (e.g., fire, flood, earthquake, volcanic eruption, storm, avalanche, etc.) cover. Those looking for Cruise cover or who plan to Scuba Dive may need to look elsewhere, however.

Pros
  • Competitive premiums
  • Baggage, Insolvency and Catastrophe included
  • Long Winter Sports cover
Cons
  • No Cruise cover
  • Scuba diving more than twice at 18m

Best Value Travel Insurance: Holidaysafe

Consider this if you want good value from a specialist travel insurer.

Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits to suit most needs. Prices are very competitive and solid value can be found amongst plans that can be customized to cover your particular activities, such as Sailing, Scuba, Mountain Biking, Motorcycling, Golf, Running & Triathlon, Cycling, Marathon and Winter Sports. Single trips in particular offer good value relative to the market, as you can read about in our full review. Their cheapest plans would be their "Last Minute" cover, which doesn't include any type of cancellation cover.

Pros
  • Customizing travel cover to your individual needs
  • Insuring long trips
  • Including Personal Belongings/Baggage on all plans
Cons
  • No cover for unused frequent flier miles

Cheapest Travel Insurance for Families & Older Travellers

Typically, buying travel insurance for a family of four will cost 2X the cost of a policy for an individual—in other words, kids go free.

Best Cheap Family Travel Insurance: AXA

Consider this if you want good value and comprehensive cover, with more days of Winter Sports cover for keen skiers and snowboarders.

In addition to being an all-around good value for individuals, we found that AXA travel insurance plans offer some of the lowest prices for families as well. Our recent price check showed Bronze plans for between £40 and £80, Silver plans for £63 to £107 and Gold for £75 to £132, depending on destination. Adding Winter Sports cover if you ski or snowboard would increase premiums for a family of 4 by £25 to £70, with the highest premiums for Worldwide travel—this provides cover for 30, 35 or 45 days for Bronze, Silver and Gold, respectively. AXA plans all include Baggage, Trip Delay and Cancellation, Insolvency and Catastrophe (e.g., fire, flood, earthquake, volcanic eruption, storm, avalanche, etc.) cover.

Pros
  • Competitive premiums
  • Baggage, Insolvency and Catastrophe included
  • Long Winter Sports cover
Cons
  • No Cruise cover
  • Scuba diving more than twice at 18m

Best Cheap Family Travel Insurance: Admiral

Consider this if you want competitive prices, including for Winter Sports.

A family of four can get travel insurance from Admiral for anywhere from £43 up to £125, depending on the level of cover and destinations covered by the policy. The top two tiers—Admiral Gold and Admiral Platinum—include Catastrophe cover in addition to Trip Cancellation, Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident and Personal Belongings. Platinum plans also include Hijack cover and Cruise cover as well. Optional Winter Sports cover can add £10 to £43 to the cost of an annual, multi-trip policy for up to 17 days per policy term.

Pros
  • Competitive premiums
  • Catastrophe included on mid- and top-tier plans ("Gold" and "Platinum")
Cons
  • No Insolvency cover
  • Low-tier "Admiral" plans don't include Catastrophe cover

Best Cheap Family Travel Insurance: Saga

Consider this if are in your 50s, 60s, 70s, 80s or even 90s.

Saga travel insurance if offered as one, simple travel insurance plan to those over 50 years of age—with no upper age limit. We like that Saga includes cover for Catastrophe and a higher level of Personal Belongings/Baggage cover on all policies, plus Golf. Another perk is that travellers whose international flight is delayed more than 2 hours can benefit from access to a LoungeKey airport lounge, as part of Trip Delay cover. While travellers can be covered of any age, prices do rise steadily for older customers.

Pros
  • No upper age limits
  • End supplier failure
  • Lounge access for international flight delays
  • Includes baggage, personal belongings, trip delay/cancellation/curtailment
Cons
  • Cover for UK travel is restricted
  • No reimbursement for trips booked with miles/points

Here's How Travel Insurance Works

Travel insurance can lesson the financial burden of your holiday going wrong, whether due to an accident, a health emergency, your trip being cancelled or a myriad of other reasons. For this financial protection you'll pay an annual or monthly premium, which can range from £6 up to £600 a year or more, depending on the features of your policy. In return, the insurance company will reimburse you (in full or in part) for losses incurred as the result of travel mishaps.

If you'd like more detailed information, you can read more in our Travel Insurance Guide.

Top Picks for Best Travel Insurance: Summary

Group SizeProviderPolicyGeographyBasic Cost (Annual, Multi-Trip)Winter Sports Add-On Cost
Family of FourAXABronzeEurope£40£27
SilverEurope£63£30
GoldEurope£76£34
BronzeWorldwide excl. USA, Canada & the Carib.£40£27
SilverWorldwide excl. USA, Canada & the Carib.£63£30
GoldWorldwide excl. USA, Canada & the Carib.£76£34
BronzeWorldwide£79£59
SilverWorldwide£107£63
GoldWorldwide£132£71
AdmiralAdmiralEurope£43£11
GoldEurope£56£14
PlatinumEurope£64£16
AdmiralWorldwide excl. USA, Canada & the Carib.£67£20
GoldWorldwide excl. USA, Canada & the Carib.£87£26
PlatinumWorldwide excl. USA, Canada & the Carib.£100£30
AdmiralWorldwide£81£28
GoldWorldwide£106£37
PlatinumWorldwide£122£43
IndividualAAEssentialEurope£24£14
StandardEurope£33£13
EssentialWorldwide excl USA, Canada & the Carib.£37£22
StandardWorldwide excl USA, Canada & the Carib.£50£20
EssentialWorldwide£47£28
StandardWorldwide£64£25
AXABronzeEurope£20£12
GoldEurope£35£15
SilverEurope£31£13
BronzeWorldwide excl. USA, Canada & the Carib.£20£12
GoldWorldwide excl. USA, Canada & the Carib.£35£14
SilverWorldwide excl. USA, Canada & the Carib.£31£13
BronzeWorldwide£36£25
GoldWorldwide£56£29
SilverWorldwide£49£27
AdmiralAdmiralEurope£21£5
GoldEurope£24£7
PlatinumEurope£32£8
AdmiralWorldwide excl. USA, Canada & the Carib.£33£10
GoldWorldwide excl. USA, Canada & the Carib.£43£13
PlatinumWorldwide excl. USA, Canada & the Carib.£49£15
AdmiralWorldwide£40£14
GoldWorldwide£52£18
PlatinumWorldwide£60£21
DebenhamsLuxuryEurope£50£10
StandardEurope£31£6
SuperiorEurope£41£8
LuxuryWorldwide excluding: USA, Canada, Bermuda and the Caribbean£125£25
SuperiorWorldwide excluding: USA, Canada, Bermuda and the Caribbean£105£21
StandardWorldwide excluding: USA, Canada, Bermuda and the Caribbean (SA)£78£16
LuxuryWorldwide including: USA, Canada, Bermuda and the Caribbean£87£17
SuperiorWorldwide including: USA, Canada, Bermuda and the Caribbean£72£14
StandardWorldwide including: USA, Canada, Bermuda and the Caribbean (USA)£54£11
HolidaysafePremier MultiEurope£25£14
Premier Platinum MultiEurope£64n/a
Premier Plus MultiEurope£44n/a
Standard MultiEurope£20£8
PremierWorldwide excl. USA, Canada & Caribbean£41£22
Premier PlatinumWorldwide excl. USA, Canada & Caribbean£101n/a
Premier PlusWorldwide excl. USA, Canada & Caribbean£70n/a
StandardWorldwide excl. USA, Canada & Caribbean£33£12
PremierWorldwide£43£23
Premier PlatinumWorldwide£106n/a
Premier PlusWorldwide£74n/a
StandardWorldwide£35£13

Choosing the Best Travel Insurance Plan for You

Before choosing a travel insurance plan, you'll need to decide which features are most important to you. First, think about the level of cover you need—this entails the amount you usually pay for a holiday (e.g., the cost of your flights and accommodation), the value of your personal belongings and baggage, etc. Then decide if you should buy an Annual, Multitrip Plan or a Single Trip Plan—typically, if you travel at least 2 times per year then you'll save money buying an Annual Plan rather than individual Single Trip Plans each time you travel.

In addition, you'll need to think about your travel plans for the upcoming year so you don't overpay for insurance you don't need—worldwide cover including America is more expensive than, say, cover only for Europe. Finally, there are a few features that vary from insurer to insurer, such as insolvency/end supplier failure, catastrophe cover (e.g., ash clouds or storms), valuables, etc.

Methodology

By collecting dozens of data points from various travel insurance plans in the UK, we were able to gain insight on trip insurance plans offered by more than a dozen insurers. The data we collected span all types of variables such as trip cancellation, catastrophe cover insolvency/SAFI cover, winter sports, golf, destination, age, etc. To see all of the companies we analysed as part of this study, please see the list of reviews below.

Best Travel Insurance Reviews

Travel Insurance Guides

Disclosure

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.