Insurance In Focus

Travel Insurance

Travel Insurance

Travel insurance, explained — from the policy wording to the claim

Cover for trips abroad and in the UK — what each policy includes, how medical screening and claims work, and what to do when something goes wrong while you are away.

Browse subhubs Read sample guides

Explore Travel Insurance by topic

Each subhub answers specific questions for travellers and explains what the current market and regulator expect.

Single-trip vs annual cover

When multi-trip cover beats buying per holiday, and the trip-length limits to watch.

Medical & emergency cover

Emergency treatment, repatriation, and what 'medical screening' actually means.

Cancellation & curtailment

Getting your money back when a trip is cancelled, cut short, or disrupted.

Baggage & belongings

Lost, stolen and delayed luggage, and the single-item limits that catch people out.

Winter sports cover

Ski and snowboard cover, and why a standard policy often excludes it.

Pre-existing conditions

Declaring medical conditions during screening so claims are paid.

Claims

How the claims process works and the evidence insurers expect.

Complaints & disputes

Challenging a rejection through the insurer and the Ombudsman.

Sample resources

Guides & analysis

EHIC, GHIC and medical emergencies abroad

EHIC and GHIC cover state healthcare in Europe, not cancellation or repatriation. Understand what the cards do and why travel insurance still matters.

Travel disruption and cancellation cover

Cancellation and disruption cover pays when a trip is cut short or cannot go ahead. Understand the triggers, the accepted reasons and the limits.

Winter sports cover in travel insurance

Winter sports cover adds skiing and snowboarding to a travel policy, usually as an extra. Understand what it pays and the exclusions that catch people out.

Baggage and belongings cover in travel insurance

Baggage cover caps the payout per item and in total. Understand the single-item limits, the excess and what is excluded from a claim.

Travel insurance and pre-existing medical conditions

A pre-existing condition must be disclosed or a travel claim can be refused. Understand what is covered, the questions to answer and where to find cover.

When a travel claim is rejected

A rejected travel claim usually comes down to disclosure, exclusions or timing. Understand the reasons and how to challenge the decision or complain.