Are you planning to travel in 2023 but feeling unsure about the risks involved? Worry not, because travel insurance companies in the UK have got you covered! Having travel insurance is an important investment that can potentially save you from unforeseen expenses arising from medical emergencies, flight cancellations or any other travel-related mishap.
There are many choices to consider, which can make selecting the appropriate one difficult and stressful.
. So, we have compiled a list of the best travel insurance companies in the UK in 2023 to help you make an informed decision and travel with peace of mind.
1. Importance of travel insurance with EHIC/GHIC
1. Protect yourself and your family while travelling by getting travel insurance with EHIC/GHIC.
2. EHIC/GHIC covers emergency and state healthcare in EU countries.
3. EHIC/GHIC does not cover private treatment, mountain rescue, and medical repatriation.
4. It is important to get additional health cover for trips to countries not covered by EHIC/GHIC like Iceland, Liechtenstein, Norway, and Switzerland.
5. Get comprehensive travel insurance that covers medical costs, trip cancellations, loss or theft of baggage, injury caused to someone else, and damage to another's property. [1][2]
2. Comparison of top travel insurance providers in the UK
1. AA Travel Insurance - Maximum emergency medical cover (policy dependant), no excess for AA members (policy dependant), add ons for golf trips and hazardous activities, loyalty discount scheme.
The age limit for a single trip policy is specified in years.
The maximum age for the yearly multi-trip insurance policy is 79. A single-trip policy for a 30-year-old going to Europe for 7 nights costs £13.72.
2. Staysure - Maximum emergency medical cover (policy dependant), add ons for pre-existing medical conditions, activities, and sports, no
The maximum age allowed for purchasing a single trip policy is 85 years. There is no age limitation for an annual multi-trip policy. The cost of a 7-night European single trip policy for a 30-year-old is £19.99.
3. Post Office Travel Insurance - Maximum emergency medical cover (policy dependant), add ons for winter sports and weddings, free cover for
The policy for single trips covers individuals up to the age of 99, while the annual multi-trip policy covers individuals up to the age of 85. A 30-year-old can expect to pay £15.36 for a 7-night European single trip policy.
4. Direct Line Travel Insurance - Maximum emergency medical cover (policy dependant), add ons for hazardous activities and business trips, no
The maximum age for purchasing a single trip insurance policy is 79 years, and the same age limit applies for an annual multi-trip policy. A 30-year-old traveler would have to pay £9.48 for a 7-night European single trip insurance policy.
5. LV= Travel Insurance - Maximum emergency medical cover (policy dependant), add ons for winter sports and cruises, no upper age limit. Single trip policy age limit (years): 85. Annual multi-trip policy age limit (years): 79. 7-night European Single trip policy cost (30-year-old): £9.50.
Remember to consider factors such as medical cover, destination coverage, pre-existing conditions, and planned activities before purchasing your travel insurance policy. Shop around and compare prices and benefits to find the best coverage for your trip. Don't forget to buy your policy as soon as possible after booking your trip to ensure coverage for any unforeseen circumstances. [3][4]
3. Factors affecting the cost of travel insurance
1. Age - Older travelers are more likely to experience health issues, making it more expensive to insure them.
2. Destination - Countries with higher medical costs or travel risks, such as political instability or natural disasters, often result in higher insurance premiums.
3. Length of Trip - Longer trips require a longer insurance policy, which can increase the cost.
Keep these factors in mind when selecting travel insurance to ensure you get the best coverage for your needs at a fair price. [5][6]
4. Buying travel insurance through comparison sites and banks
Buying travel insurance can be overwhelming, but comparison sites like MoneySuperMarket and Confused.com can make it easier to find the right coverage for you. Banks may also offer travel insurance as part of their services, so be sure to check with your bank before purchasing a policy. Compare prices, coverage, and add-on options to ensure you have the best travel insurance for your needs. [7][8]
5. Pre-existing medical condition coverage by AllClear
5 to Choose AllClear Travel Insurance for Pre-Existing Medical Conditions
1. Cover for your pre-existing medical conditions while abroad, up to £15 million including treatment for ongoing medical conditions.
2. Cover to bring you home if medically necessary, with emergency medical assistance in some areas of Europe exceeding £250,000.
3. Cover for cancellation due to a pre-existing medical condition, up to £15,000.
4. 24-hour medical emergency assistance while you're away, giving you peace of mind during your travels.
5. AllClear covers a wide range of medical conditions such as diabetes, heart conditions, breast cancer, high blood pressure, and epilepsy, making it a specialist provider for people with pre-existing medical conditions of all ages. [9][10]
6. AA's coverage for Covid-19 related claims
Are you concerned about Covid-related travel disruptions? The AA's travel insurance policies cover Covid-19 related claims such as cancellation due to illness, flight cancellations, and medical expenses. The policies provide cover for medical expenses up to £10 million, cancellation up to £10,000, and repatriation up to £10 million. With AA's Covid-19 coverage, you can travel with peace of mind. [11][12]
7. Saga's comprehensive travel insurance for over 50s
1. Saga Travel Insurance offers high levels of cover for those aged over 50.
2. Their policies include up to £10 million for medical emergencies and £5,000 for baggage cover.
3. They offer a 3-year fixed price with no tie-ins.
4. Saga covers most pre-existing conditions and has no upper age limit.
5. They provide coverage for cruises and have benefits specific to cruise-goers.
6. Policies also include access to over 950 airport lounges in case of flight delays.
7. Saga's travel insurance covers COVID-19-related expenses, including cancellation, medical expenses, and repatriation. [13][14]
8. Aviva's competitive coverage and customer experience
Here 8 reasons why Aviva is a top choice for travel insurance in 2023:
1. Comprehensive Coverage: Aviva offers a range of coverage options, including medical expenses, trip cancellation, baggage loss, and more.
2. Competitive Pricing: Their rates are competitive and affordable, making them a great value for budget-conscious travelers.
3. Customer Service: Aviva has a reputation for providing excellent customer service, with a dedicated team that is available 24/7 to assist with any concerns or questions.
4. Customizable Plans: Aviva allows you to tailor your coverage to fit your specific needs, whether you're traveling alone or with family.
5. Easy Claims Process: If you need to make a claim, Aviva makes the process as simple and straightforward as possible, with online claim forms and speedy payouts.
6. Travel Assistance: Aviva offers travel assistance services, such as emergency medical evacuation, emergency travel arrangements, and more.
7. Coverage for Adventure Activities: If you're planning on participating in adventure activities like skiing or scuba diving, Aviva offers coverage for these types of activities.
8. Strong Financial Stability: Aviva is a financially stable company with a solid reputation, ensuring that they will be able to meet their financial obligations to their customers. [15][16]
9. Cruise insurance options provided by Just Travel Cover
Are you planning a cruise in 2023 and looking for reliable travel insurance options? Just Travel Cover offers comprehensive policies that cover Covid-related expenses and missed connections. With a 24/7 emergency hotline and experienced staff, you can rest assured that you’ll receive the assistance you need while onboard. Choose from our range of policies that include medical coverage up to £10 million, lost or stolen luggage protection, and cancellation cover. Get a quote today and have peace of mind on your next cruise. [17][18]
10. Skiing and snowboarding insurance tips and recommendations
10 Skiing and Snowboarding Insurance Tips and Recommendations
1. Always purchase specific skiing and snowboarding insurance as standard travel insurance may not cover the cost of medical treatment or equipment damage.
2. Look for insurance policies that provide coverage for trip cancellation, medical expenses, emergency medical evacuation, and travel delay in the event of severe weather.
3. Consider upgrading to a cancellation insurance policy that allows you to cancel for any reason, giving you the most flexibility to change your mind about taking a trip.
4. Check the adventure activities that are included in the insurance plan, as some may exclude coverage for activities like cross-country or heli skiing.
5. Familiarize yourself with the coverage limits and benefits for equipment damage or stolen equipment, so that you understand what is protected.
6. Check if the policy covers events like death overseas, funerals, and legal costs for causing injury to others or damaging someone else's property.
7. Understand the policy's coverage limits for trip interruption, and what percentage of the total trip cost is covered, as well as additional expenses that may arise.
8. Look for a policy that includes emergency evacuation coverage, specifically for ski-related injuries.
9. Check the requirements for submitting claims, including timelines for submitting a claim and what supporting documents are necessary.
10. Read through the policy carefully to make sure you have an accurate understanding of what is covered and what is not, and don't forget to compare policies and rates before making a final decision. [19][20]
