Best Travel Insurance
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One of the first things you should look at after securing yourself a holiday is the best travel insurance. A travel insurance policy will protect you from the cost of any potential and unexpected problems when travelling. A good policy will cover you for things such as flight cancellation, lost luggage, delayed flights, stolen property, illness and injury. While you don’t legally need it to travel, it could definitely help you out financially if something happens to you while you’re away, particularly if you’re on a high-risk holiday such as skiing. These are the companies that offer the best travel insurance policies at the moment (May 2021). It is worth noting that before you buy your policy, it is recommended to make sure you’re getting the right cover for your trip. Once you’ve chosen your type of travel insurance, compare quotes from different companies. Then choose the best holiday insurance at the best price.
Best Travel Insurance: FAQ’s
Before we dive into the best travel insurance companies, let’s first answer any questions you may have.
1. Where can I get cheap travel insurance?
When researching what the best travel insurance is, it is important to find one for your needs, rather than just searching for cheap travel insurance. Cheap holiday insurance, in some cases, might not cover you for what you need.
The recommended thing to do is compare holiday insurance. First, find the right type of insurance for your needs, and then carry out a travel insurance comparison. Pick the best travel insurance quote that meets your needs.
2. Single trip travel insurance or annual travel insurance?
These are the two main types of travel insurance so before you get picking the best travel insurance for you, you’ve got to decide which one to go with.
Single trip travel insurance. This covers you for one trip, to just one location, for a specific period of time.
Annual travel insurance. This covers you for every trip you make during a 12-month period. It normally goes by the name of called multi-trip travel insurance and generally costs more.
The best travel insurance policy for you will be dependent on how much you travel.
3. Do you need extra protection or a specialist policy?
Not all activities are covered on every travel insurance policy. It fully depends what you’ll be doing while you’re on holiday. You may require extra cover for activities that aren’t included as standard.
You can tailor your policy with extras such as:
Extreme and winter sports cover. This is for accidents that happen while you take part in sports such as skiing or snowboarding. You might see this being called ski travel insurance.
Business cover. Cover for if you’re travelling on business.
Golf cover. Covers your golfing equipment and other associated costs.
You can also get specialist policies including:
Travel insurance for seniors: This is for older people who are statistically more likely to need medical treatment.
Pre-existing medical conditions: Travel health insurance for people with diagnosed health conditions.
Cruise travel insurance: Cruise insurance for incidents such as cabin confinement or missed port.
Backpacker travel insurance: If you’re going away for a longer period of time, such as on your gap year, you can find backpacker insurance policies.
Family travel insurance: If you’re travelling as a family, this can be a great way to save on the costs as it covers all of you.
Best Travel Insurance Companies (May 2021)
Most, if not all of the travel insurance policies listed below cater for both single and annual trips, as well we a huge variety of sports and activities. Without further ado, here are the best travel insurance policies!
Post Office Travel Insurance
Whether you are looking to travel within the UK or internationally, the Post Office is one of the best travel insurance options available to you. You will be covered for coronavirus related disruptions including trip cancellation & curtailment and overseas medical and repatriation costs! Their policy also covers other overseas medical expenses with up to £10 million worth of cover per person. You will be covered for loss of luggage, delayed or missed departure and cancellation. There is no upper age limit and all medical conditions are considered.
Admiral Travel Insurance
For flexibility, Admiral is one of the best travel insurance options for you. You can choose Single Trip or Annual Multi-Trip cover with varying levels of cover and many sports and leisure activities included as standard. Additional cover is available for Winter Sports, Golf, Gadget and Cruise holidays. They also ensure a range of medical conditions and pay up to £20million in emergency medical expenses. Admiral offers travel insurance to holidaymakers aged 18 to 70 and children can be added to an adult's policy. Users also have access to their 24-hour multilingual helpline.
Holiday Extras Travel Insurance
This was voted best travel insurance provider 11 years running and for good reason! It provides policies with no excess available, a 24/7 helpline, no maximum age on single trip policies, and boasts over 25 years of experience selling travel insurance. They now offer Covid Bubble Protection which covers the following; cancelling the trip if you or someone on your policy catches Covid-19 before travelling and denial of boarding for your return flight to a suspected case of Covid-19 (Platinum or an optional extra.)
Coverwise Travel Insurance
Coverwise offers Single and annual multi-trip policies that are tailored to travellers needs with wide cover and competitive prices. They offer global 24/7 emergency medical assistance, an unlimited number of winter sports trips lasting up to 17 days per trip on all winter sports annual multi-trip policies, and cover for over 100 sports and activities provided as standard, to ensure you get the most out of your trip.
Travel Insurance 4 Medical
Travel Insurance 4 Medical offers travellers many perks with their policies. You can get up to £10m cover for medical expenses, thousands of medical conditions covered, as well as UK customer service and access to 24/7 emergency assistance. Travellers can also sleep easy knowing they receive up to £5,000 cover for cancellation or curtailment, up to £2,500 for the loss or theft of your belongings, as well as options for over 75 sports, activities, and much more. There’s even a 14-day money-back guarantee so no pressure if you decide it isn’t for you. There is also no credit or debit card fees.
Travel Insurance Saver
This is very similar to the previous policy, offering up to £10m cover for medical expenses, a 24 hour helpline, a 14 day money back guarantee, and no credit or debit card fees. There is also up to £4,000 cover for cancellation or curtailment, up to £3,000 for the loss or theft of your belongings, and plenty of options for winter sports and activities included for free!
