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Travel Insurance

Compare travel insurance from providers you can trust

Save up to £174 on an annual multi-trip policy*
Choose from over 40 trusted products
Cancellation cover up to £10,000

*Based on online independent research by Consumer Intelligence during 1 Jul to 30 Sep 2024, 10% of consumers could save up to £174.17 on their annual travel insurance policy with PayingTooMuch.

Price comparison without the guesswork

Why choose PayingTooMuch?

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Cover for pre-existing medical conditions

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Over 75,000 four and five star reviews on Trustpilot

*Based on four and five star reviews in the Best Price Comparison category on Trustpilot. Correct as of August 2024
** Winners of the Best Comparison Site at The Personal Finance Awards 2021/2022, 2022/2023 and 2023/2024

What should your travel insurance cover?

Whether you're jetting off to explore new horizons or sailing the seas, your travel insurance can include cover for:

Cancellations and delays
Medical emergencies
Repatriation (helping you get home if you’re unwell)
Lost, stolen or damaged luggage and personal items
Travel disruptions (such as being impacted by a natural disaster)
Personal liability

Specialist travel insurance for extra protection

When you compare and buy travel insurance, you can pick extra coverage for the things you care about most. This way, you can make your insurance fit exactly what you need, making sure you're protected for the important stuff while you're on your trip. This might include:

Cruise cover

Unused excursions
Cabin confinement
Weather disruptions

Find out more about cruise cover

Winter sports cover

Piste closures
Medical cover for winter sports
Unused ski passes
Lost, damaged or stolen ski equipment

Find out more about winter sports cover

What type of travel insurance policy should I get?

Travelling solo, with a partner, family, or in a group? Find the right cover for you and your whole family and explore with more peace of mind.

Single trip

If you’ve only got one trip planned, a single trip policy could be the best way to save money and get the cover you need.

Usually the most affordable option for shorter trips
Cover for longer trips

Find out more about single trip insurance

Annual multi-trip

For more than one holiday a year, annual multi-trip cover could give you the best value for money.

Usually works out cheaper than taking out single trip policies for each trip
Buy once and you’re covered for a whole year. Maximum trip durations apply.

Find out more about our annual cover

Do I need travel insurance?

Travel insurance makes sure you're not out of pocket if anything unexpected happens on your holiday. If you need emergency medical help, lose your passport, or even need to cancel your trip, it's got you covered. Without it, you'd be stuck paying for medical care or replacing lost or damaged items yourself, which could really add up. It's one payment that could save you thousands in the long-run.

How do I find the right travel insurance for me?

Finding travel insurance can take up a lot of time, but it doesn't have to. At PayingTooMuch, quickly compare multiple policies from different insurers, all in one place. Just enter your trip details and any important details about your health, to find the best options for you.

Choosing the best travel insurance for you

Pick a plan that can cover your trip's cost. This means if you have to cancel, you'll get back what you spent
Be open about your health. If you don't tell insurers about your health issues, they might not be able to help you when you need it most
Think about what you need covered. Are you bringing expensive items? Going on a cruise? Make sure your insurance covers what's important to you
Always read the details of your policy to make sure it meets your needs
Heading to different places? Make sure your policy covers you for the destination(s) you’re travelling to

How much does travel insurance cost?

Travel insurance prices change based on a number of factors. This might include:

Age:

Older travellers might pay more because there's a higher chance they'll need medical help. But, you can compare cover for people over 50, 60, and 70+ with no upper age limits

Health:

If you have pre-existing medical conditions, you might have to pay more because there's a higher chance you'll need care while you're away. It's important to tell your insurance about any health problems to make sure you find the right cover for your needs

Where you're going:

It can cost more to get insurance for some countries, such as the USA, because their medical care is more expensive. It can also be more expensive if there's a higher chance of natural disasters

How long you're gone:

Insurance usually costs less for short trips. The longer the trip, the higher the chance you’ll need to make a claim

To learn more about what impacts the cost of holiday cover, read more in our blog.

Explore at any age and do it with the cover you need

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PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.

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Will my travel insurance cover me for COVID-19?

New policies will cover you for emergency medical treatment for Covid-19 while you are away, as long as, before the trip begins, the Foreign Office (FCDO) has not advised against all but essential travel to your intended destination.

If the Foreign Office (FCDO) has advised against all but essential travel to your destination, you will only be covered if you select a product with the FCDO advice extension (Europe only).

Currently the Foreign Office (FCDO) advises against travel to certain destinations. Please see gov.uk/foreign-travel-advice for full details.

What are the key benefits of travel insurance?

Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.

Cancellation cover

Cancellation cover is designed to pay back any pre-paid expenses that would be lost if you’re forced to cancel your holiday before you travel.

It’s important to make sure that you choose a policy with enough cancellation cover for the costs you would need to claim for.

Medical Emergency Cover

Travel insurance is designed to pay the costs for a medical emergency while you’re on holiday. You may have to pay an excess contribution to the total costs or you can choose a ‘nil excess’ option if you wish.

Some policies will cover emergency dental treatment if it’s for the immediate relief of pain.

All policies will pay to bring you back to the UK when this is recommended.

Treatment in a private hospital or clinic abroad is not usually covered if a suitable public or state facility is available.

MoneyHelper

PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.

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Frequently asked questions

Do I need travel insurance if I have a GHIC/EHIC card?

GHIC/EHIC cards don’t cover you for things like lost bags, losing personal items, and cancelling your trip. While GHIC/EHIC cards are good for some health care abroad, you can usually get more cover with a travel insurance policy. For example, if you needed to be flown back home for special treatment, your GHIC/EHIC wouldn’t pay for it. Also, you can only use your GHIC or EHIC card in certain countries. A GHIC card is possible to use in all 27 EU countries, plus Switzerland, Montenegro, Australia and more. To find out every country you can use your GHIC card , read our blog.

How do I make a claim on my travel insurance?

If you need to claim on your travel insurance, here's what you should do to improve your chances of getting your claim approved: Keep your policy documents, including your policy number, to hand. This will make it easier for your insurer to find your policy details quicker Contact your insurer as soon as you can. This way, you can check if they'll cover the treatment, you need before you get it. Sometimes, you might need to pay first and then get the money back later
Keep any evidence you have so that you can use them to support your claim, such as medical reports, police reports or receipts.

Do I need travel insurance for holidays in the UK?

Getting travel insurance is smart for any staycations or UK holidays. Even though the NHS covers medical care, travel insurance can cover you for other things like cancellations. Many policies include trips in the UK, but there are some rules. This might include the number of days you're away and how far from home you are. Check the small print for more information.

What does excess mean in travel insurance?

Getting travel insurance is smart for any staycations or UK holidays. Even though the NHS covers medical care, travel insurance can cover you for other things like cancellations. Many policies include trips in the UK, but there are some rules. This might include the number of days you're away and how far from home you are. Check the small print for more information.

When do I need travel insurance?

It's smart to get travel insurance no matter when or where you’re travelling to, for added peace of mind. Buying cover as soon as you book your trip will mean you’re covered for things like cancellations or if you’re unable to travel. It’s a safety blanket if things go wrong and could save you thousands in the long run.

Can I get travel insurance if I have pre-existing medical conditions?

Yes, PayingTooMuch offers cover for most medical conditions. By telling us about your health, you'll only be shown policies that cover your medical condition(s).

Can I get travel insurance if I’m pregnant?

Being pregnant isn't classed as a medical condition, so you might be able to get covered. However, some insurers won’t cover you if you’re travelling close to your due date. Time frames will be different for each insurer, so make sure you read the small print. If you have any health issues because of your pregnancy, like gestational diabetes, you need to let us know. This helps make sure you're covered just in case you need any unexpected medical care while you're abroad.

Can I extend my travel insurance?

If your holiday goes on longer than you planned, a lot of insurers will let you extend your travel cover. But you'll need to check this with your insurer before you decide to stay longer. Each company has its own rules on how long they'll cover you for, and they might ask you to pay a bit more to cover the extra time.

Can I get travel insurance cover for COVID-19?

As long as you’re not going to a country that the FCDO advise against travelling to, all of our policies should offer cover for COVID-19. This typically includes:

Being diagnosed with COVID-19 before departure

Denied boarding

Close family relatives or those you live with getting COVID-19

We work with well known insurers

Travel Insurance Medical

PayingTooMuch is a price comparison site using trusted providers to compare quality travel insurance at an affordable price. They specialise in cover for pre-existing medical conditions, as well as families and older age groups. PayingTooMuch is a trading name of TICORP Limited. PayingTooMuch travel insurance is arranged by TICORP Limited which is registered in Gibraltar. Company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades in the UK on a freedom of services basis. Financial Conduct Authority FRN 663617. PayingTooMuch is administered by Eclipse Financial Management Limited which is registered in England and Wales number 07412856. Registered office: Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Eclipse Financial Management Limited provide financial services and is authorised and regulated by the Financial Conduct Authority, reference 535496.