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Do you need travel insurance? While it’s not legally required to get cover, protecting yourself on holiday is a wise choice if you want to avoid any extra costs. 

With cancellation cover, you could get your money back for any pre-paid trips. Most travel insurance policies offer the cover, but you may want to double-check to be sure. 

The price of travel insurance can vary, as it’s based on several factors, including age, health issues and destinations. That’s because older travellers tend to face higher medical claim risks and have pre-existing medical conditions which can increase the price of a policy.

Where you travel will also influence the cost of your travel insurance, as some countries require higher limits because their healthcare is more expensive.

Longer trips mean more potential claims, regardless of where you decide to travel. If you want to know more about what impacts the cost of holiday cover, you can read more on our blog.

Comparing policies is a great way to find the best option for you. At PayingTooMuch, you can compare quotes after answering a few questions about you and your travel plans. 

You should buy your policy as soon as you book. If you fall ill and are no longer able to go on your trip and have cancellation cover, this should help you, so you don’t have to pay out of pocket. 

A cancellation policy can cover you if you fall ill and are no longer able to travel but you’ll have to check the terms of your travel insurance to be sure.  

If your medical condition changes or you’re diagnosed with another condition after you’ve taken out a policy, you’ll need to inform your insurance provider to make sure your cover remains valid.  

Travelling against the advice of a medical professional may also affect your claim, so always check with your doctor and your travel insurance provider before you go. 

Getting travel insurance is a smart idea for any staycation or UK holiday.  

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 depend on how long you’re away and how far from home you travel. Check the small print for more information.  

GHIC/EHIC cards don’t cover things like lost bags, personal belongings, or trip cancellations.  

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. You can use a GHIC card 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.  

Travel insurance steps in when something goes wrong, from losing your money to having a medical emergency abroad. You can find a policy in just a few easy steps. 

1. Compare quotes by answering a few questions. 

2. Tell us about any additional cover you might need, such as cruise or winter sports cover. 

3. Choose from a selection of options provided by us. 

To make a claim, you’ll first have to get in touch with your insurance provider listed on your policy document and fill out the online claims form. If you prefer to speak to someone, you can always call them directly. 

You’ll need to provide your policy number and details about what happened. Your insurer may ask you for receipts, so it’s a good idea to keep anything that could support your claim.  

Once submitted, you’ll get a copy of your claim for your own record.  

You can find out about our top tips on making a successful claim on our blog.