Compare travel insurance

Many insurers now offer some level of Covid-19 cover, but this can vary quite a lot between providers. Examples of what may be covered include:

• Emergency medical expenses: Including repatriation (getting you home), and additional expenses (for example, a quarantine hotel stay) if you fall ill with Covid-19.
• Cancellation: If you test positive (or a close relative passes away due to Covid-19) prior to your holiday and are unable to travel.
• Curtailment: If you test positive for Covid-19 pre-departure, upon arrival at your destination, or while on holiday. Additionally, look for a policy that offers curtailment cover in the event a close relative passes away from Covid-19 during your holiday.

This depends entirely on your personal circumstances. Here are some of the most common types:

Single trip - A one-off policy that typically covers a period of travel for up to 30 days.

Multi trip - An annual policy that covers multiple individual trips throughout the year. Can be useful for frequent travellers.

Backpacker - A policy that extends beyond 30 days. May suit travellers looking to take an extended trip.

The type of travel insurance you choose depends on a number of factors. Where you are going; how long you plan to travel; the activities you plan to do while away; the amount you travel during the year; and your personal circumstances should all be taken into account.

For example, if, like most people, you plan one trip at a time, single-trip policies may be the most convenient option. Those who travel more than three times a year, on the other hand, could benefit from a multi-trip policy.

There's also the question of where your cover is valid: a policy should give you the option for 'Europe' or 'worldwide' (either including or excluding the USA/Canada). Always check the small print, however: while some policies class Turkey as 'Europe', some group it as 'worldwide'.

On top of this, you'll be able to buy a policy for a single traveller, a couple, family or even a group.

Winter sports, such as skiing, and extreme activities, like bungee jumping, are not commonly included in standard policies, and if you’re planning a holiday that involves such activities, you’ll need a specialist policy that covers you.

Finally, your health and age will also play a significant role in the policy you choose. If you have a pre-existing medical condition, you may have to pay more for your insurance and a higher excess. Generally, the older you get, the more you pay too – this is down to insurers deeming older travellers higher risk. While some of this is unavoidable, travel insurance comparison can help you shop around for the best deal possible.

If you have an illness or medical condition that you’ve had treatment for, you must provide details to your insurer. Heart problems, diabetes, cancer and respiratory illnesses (such as asthma) are among the conditions that must be declared as they could be excluded from your policy, and not mentioning them could invalidate your cover. If you have a condition, you may have to pay more for your insurance.

If you're struggling to find suitable cover, the Money and Pension Service (MaPs) also provides a list of specialist insurers on the MaPs directory website – or you can call the British Insurance Brokers Association on 0370 950 1790.

Find out more about pre-existing medical conditions.

The cost of your travel insurance depends on the level of cover you require, where you travel to and your personal circumstances (most notably, age and health).

Single trip policies can start from under £10, while annual multi-trip policies are usually more expensive because they cover the whole year. Most multi-trip policies require you to specify a region, so you'll have to make sure you stick to that region – and while you can choose worldwide cover, it will cost you more.

As tempting as it may be, you might want to avoid going straight for the cheapest deal as it might not offer the right level of cover. At the end of the day, it’s down to the individual to assess the policy, the price and the amount of cover it provides.

The level of cover you get will depend on the type of policy you take out. The following is what most travel insurance policies will cover you for as standard:

• Emergency medical cover – this is essential and should cover treatment costs and hospital charges, replacement ticket to get home if you cannot use your own, and reasonable additional transport and accommodation expenses for relatives/close friends as a minimum.
• The cost of cancellation – can help you recover what you paid for an expensive holiday in the event you are unable to travel. May also cover a cancelled or delayed trip where the airline/travel provider is at fault.
• Personal liability – cover in case you accidentally injure someone or damage their property.
• Lost baggage (flight only) – airlines are required by law to pay a specified amount of money per kilo of lost luggage. However, this is unlikely to cover the full cost of your luggage.
• Missed flight – some travel insurance policies include cover for missed flights, which should include any travel expenses you incur in reaching your destination.
• Theft – if you’re covered for theft, most insurers will ask for a police report.

Pre-existing medical conditions, incidents that take place under the influence of alcohol or drugs, extreme sports, natural disasters and terrorism are not usually included in standard policies.

There’s no one-size-fits-all policy when it comes to travel insurance, and basic cover can vary between different policies and insurers. When comparing travel insurance policies, here are some important aspects you might want to consider:

• Excess – this is the amount you are expected to pay towards your claim. Look out for a policy excess of less than £100, unless you can afford to pay more in the event of a claim. For joint cover, you should also check is whether this amount is per person or per policy.
• Exclusions – certain factors can render your insurance valid: for example if you travel to a country that the government has explicitly advised against or injure yourself while under the influence of alcohol. Always check which exclusions apply.
• Single item limit – this is the maximum an insurer will pay out for a single item. Be aware, expensive electronic goods may be worth more than this.
• Personal liability – this covers you (up to a certain amount) if you accidently injure a third party or damage their property and end up getting sued.
• Legal expenses and advice – if you suffer injury while abroad, legal expenses and advice cover could prove invaluable, especially in countries where legal aid isn't an option. Is this included?

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TravelSupermarket Limited (FCA FRN 953671) is an appointed representative of MONY Group plc, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). MONY Group Financial Holdings Limited, registered in England No. 3157344.