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Why choose PayingTooMuch?
** Winners of the Best Comparison Site at The Personal Finance Awards 2021/2022 and 2022/2023
Age shouldn’t stop you from travelling, which is why most policies bought through PayingTooMuch have no upper age limit.
Getting the right cover can be a lifesaver when you're on holiday. It doesn't just keep you financially protected but also offers peace of mind.
Use our straightforward price comparison and choose the best cover for you. At a price that makes sense.
The cost of travel insurance changes from person to person. Factors such as underlying medical conditions can drive up the cost. This is because there is a higher chance you’ll need to make a claim. Others reasons that might impact the cost include:
At PayingTooMuch, you can compare holiday insurance to suit your needs. Most policies come with standard cover, including protection against cancellations, medical emergencies, lost baggage and much more. But you can add or remove certain add-ons, to suit your trip type and needs. This might include:
Whether you’re jetting off for a weekend away or have several trips booked, you could find the best policy for you through PayingTooMuch. All our policies offer cover for cancellations, medical emergencies, lost baggage and much more. You can also choose add-ons such as Cruise or Winter Sports Cover.
Single Trip Travel Insurance could offer the best value for money if you’re only planning one holiday.
If you’re planning on more than one trip, an over 70s annual multi-trip policy could save you time and money.
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.
Before you buy a policy, it’s important to understand what you’re covered for and what you’re not.
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.
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.
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.
GHIC/EHIC cards aren’t a replacement for travel insurance. They don’t offer cover for emergencies such as lost baggage, cancellations or theft.
If you have a GHIC/EHIC card, you should still carry it when you go abroad. In EU countries, you should get state provided healthcare at a reduced cost, or for free.
Travel insurance can cover medical expenses, but also things like cancellations, travel delays and lost baggage. It’s added peace of mind when you’re travelling.
Single trip insurance can be bought as soon as you book your trip, so you’re protected for unforeseen cancellations. You’ll be covered from that point until the end of your trip.
Annual policies start on your chosen date. If this happens to be the first day of a trip, you won’t be covered for any cancellations before then.
Some policies have an upper age limit, but most don’t. If you enter the correct details during the screening process, we will only show policies that suit your needs.
Yes, you can change your trip dates, destination and tell us more about any medical conditions.
You can do this by contacting us before you travel.
It’s very important to keep your insurer updated with any changes. This will help make sure you have the right level of cover for your trip.
Most insurers will cover over 70s for medical conditions, so make sure you tell us about any conditions you have when you take out your policy. You might find this increases the price of your policy, but it’s important to be honest about your health, so you get the right level of cover to suit you.
If you don’t tell us about your medical conditions, your policy could be invalid should you need to make a claim.
You can get cover for over 1,300 pre-existing medical conditions at a fair price with us. Learn more about travel insurance for pre-existing medical conditions.