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Travel Insurance

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Save up to £181 on your travel insurance*
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*Based on online independent research by Consumer Intelligence during 1 Oct to 31 Dec 2023, 10% of consumers could save up to £181.67 on their annual travel insurance policy with PayingTooMuch.

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Why choose PayingTooMuch?

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Cover for pre-existing medical conditions

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*Based on four and five star reviews in the Best Price Comparison category on Trustpilot. Correct as of August 2023
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What should your travel insurance cover?

At PayingTooMuch, you can compare travel insurance to find the best policy to suit your needs. A typical policy includes cover for:

Cancellations
Medical emergencies
Repatriation if you need to be brought back home
Lost luggage
Your passport and money
Travel disruptions
Personal liability

And much more.

Add extras to your policy

When taking out travel insurance, you can personalise your policy and add on extra cover for things that matter the most to you, including:

Winter sports cover

Emergency medical cover when taking part in winter sports
Piste closures
Lost, damaged or stolen ski equipment
Unused ski passes

Find out more about winter sports cover

Cruise cover

Cabin confinement
Weather disruptions
Unused excursions

Find out more about cruise cover

What type of travel insurance policy should I get?

Whether you’re travelling on your own, as a couple, with your family or in a group, you can choose between a single trip policy or annual multi-trip cover.

Single Trip

If you’re going on a one-off trip then a single trip travel policy might be the best option.

For one holiday a year, it’s usually more affordable
You can cover longer trips

Find out more about single trip insurance

Annual cover

For people who go on more than one holiday a year, an annual travel policy could work better for you.

Normally better value for money if you have more than one holiday
You don’t have the hassle of booking a new travel policy for each trip

Find out more about our annual cover

Do I need travel insurance?

Travel insurance helps to cover the cost when things go wrong on holiday that are out of your control. So if you need emergency medical treatment, you lose your passport, or even if you need to cancel your holiday, you know that you’ll be protected.

Without travel insurance, you’d have to pay for any medical bills, or replace any items if they got lost or damaged, adding unexpected costs to your holiday.

Choosing the best travel insurance for you

Choose a minimum cancellation cover that matches the price per person of your trip. This way, if you need to claim for cancellation, then you’ll have enough cover to claim for the cost of your holiday, minus any excess.
Be honest about your health. Not declaring and covering your conditions could lead to your claim being denied when you need help.
Think about your cover options. Are you taking gadgets? Going on a cruise? Make sure you're covered for the things that really matter to you.
Read the policy wording to make sure what you're buying fits your needs.

How much does travel insurance cost?

There are several different factors that can impact the cost of travel insurance, including:

Age

The cost of travel insurance rises as you get older, because there’s an increased risk of accidents, illnesses or injuries when you’re on holiday. We have options for travel cover for over 50s, over 60s and over 70s, so you can find the policy to suit your needs.

Medical conditions

Pre-existing conditions can make your policy cost more, as you may be more likely to have a medical emergency while you’re away. It’s important to tell us about any medical condition, otherwise you could be left with a big medical bill if you need treatment while abroad.

Destinations

It can be more expensive to get travel cover for certain destinations. This can be because of more expensive healthcare, or bigger risk factors for natural disasters such as earthquakes or tsunamis.

Length of trip

A weekend away is likely to cost less than a three week holiday. The longer you’re away, the greater the risk of needing medical attention, or losing valuables.

Head off on your holiday at any age with the right cover for you

50+ Travel Insurance For Over 50s 60+ Travel Insurance For Over 60s 70+ Travel Insurance For Over 70s 80+ Travel Insurance For Over 80s

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?

Yes, as your GHIC/EHIC card won’t cover you for other areas such as lost luggage, broken valuables, and cancelling your holiday.

GHIC/EHIC cards are helpful for some medical treatment abroad, but they don’t offer the same level of protection as travel insurance. If you needed to be flown back for specialist treatment, your GHIC/EHIC card wouldn’t cover the cost of this.

There are some restrictions on which countries you can use your GHIC or EHIC card. A GHIC card covers all 27 EU countries plus Switzerland and Montenegro. If you have a valid EHIC card, this covers all 27 EU countries, plus Montenegro, Norway, Iceland, Liechtenstein and Switzerland.

How do I make a claim on my travel insurance?

If you need to make a claim on your travel insurance, here’s what you need to do for the best chance to get your claim accepted:

Keep your policy documents to hand, including your policy number. This makes it much easier when contacting your insurer so they can find your details quickly.

Contact the local police or relevant authorities if it is related to a crime, so you can get an official report of the incident.

Get hold of your insurer as soon as possible. This way you can find out if they can confirm whether they’ll cover you for treatment you need before you go ahead with it. In some cases you might have to pay upfront and claim the cost back when you’re home.

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?

Travel insurance is a good idea for any staycations, or holidays in the UK. While the NHS will cover medical treatment, your travel insurance covers you against other areas such as cancellations.

Most policies will cover UK trips, but conditions will apply. This could include a minimum number of days and the distance from your home. You can check your policy documents for more details.

What does excess mean in travel insurance?

An excess is the amount you pay when you make a claim on your travel insurance. If you had an excess of £150 and you claimed on your insurance for £500, then the amount your insurer would pay out would be £350. This varies by providers, so always check your policy.

When do I need to buy travel insurance?

It’s a good idea to take out travel insurance as soon as you book your holiday. This means that you’ll be protected for anything that could happen before you go away, such as flight delays or if you have to cancel your holiday.

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

If you tell us about your medical condition when applying for your policy, you’ll only see travel insurance policies that can cover your conditions.

Can I get travel insurance if I’m pregnant?

Pregnancy isn’t classed as a pre-existing medical condition so you should be able to get travel insurance like you normally would. If you have any conditions related to your pregnancy, such as gestational diabetes, then it’s important to tell us. This way you’ll get the right cover in case of any unexpected medical treatment you might need on your holiday.

Can I extend my travel insurance?

Many travel insurers can allow you to extend your travel insurance if your holiday lasts longer than expected. But you’ll need to speak to your insurer who will let you know if it’s possible to extend your travel insurance.

It’s important you tell your provider when you want to change your travel insurance dates before extending your holiday. Providers will still have individual trip limits and will likely ask for additional payments to cover your extended duration.

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

Family deaths or hospitalisations resulting in ventilation with COVID-19

Being told to self-isolate (at home and abroad)

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: York House, City Fields Way, Tangmere, PO20 2FR. Eclipse Financial Management Limited provide financial services and is authorised and regulated by the Financial Conduct Authority, reference 535496.