Anybody setting off on a vacation needs to have travel insurance because it offers a safety net against unanticipated events that might ruin or interrupt plans. It is impossible to overestimate the significance of having comprehensive travel insurance in the United Kingdom, where travelers visit many different places. Whether you’re going on a quick city break, an exciting hiking trip, or a laid-back beach vacation, unplanned things like medical crises, trip cancellations, or misplaced items might happen.
- 1. Travel Insurance
- 2.Best Travel Insurance Companies of United Kingdom (UK)
- 3. Coverwise Travel Insurance – United Kingdom (UK)
- 4. Southdowns –United Kingdom (UK)
- 5. Post Office – United Kingdom (UK)
- 6. Puffin Insurance – United Kingdom (UK)
- 7. Admiral – United Kingdom (UK)
- 8. All Clear – United Kingdom (UK)
- 9. Santander – United Kingdom (UK)
- 10. AA – United Kingdom (UK)
- 11. Just Travel Insurance – United Kingdom (UK)
- 12. Saga – United Kingdom (UK)
- 13. FAQs – Travel Insurance United Kingdom (UK)
- 14. Conclusion – Travel Insurance United Kingdom (UK)
In the UK, travel insurance provides travelers with financial security and peace of mind by protecting them against a variety of potential dangers. In order to prepare readers for a deeper examination of the advantages and characteristics of travel insurance, this introduction emphasizes the importance of travel insurance within the framework of the UK.
1. Travel Insurance
Travel insurance provides financial security for tourists by protecting against unanticipated circumstances that can cause itinerary disruptions. It provides coverage for lost or delayed baggage, medical crises, trip cancellations, personal liabilities, emergency evacuations, and work-related cancellations.
Acquired at the time of reservation, this insurance offers a safeguard against unforeseen costs, guaranteeing comfort while traveling. To customize coverage to particular travel demands, it is important to carefully analyze the conditions of the policy.
1.1 Need for Travel Insurance
Travel insurance is an essential preventative step for anybody traveling domestically or abroad, and it is highly recommended in the United Kingdom. A financial safety net, travel insurance offers protection against a variety of unanticipated circumstances that can cause travel arrangements to be disrupted.
Comprehensive travel insurance makes sure that the financial impact of unforeseen events—like medical emergencies, unplanned trip cancellations, misplaced luggage, or delays—is minimized. The need of travel insurance cannot be emphasized given the wide variety of travel alternatives that UK citizens take, from quick city breaks to lengthy overseas holidays.
It offers financial security in addition to peace of mind, so visitors can concentrate on savoring their experiences rather than worrying about unforeseen interruptions.
2.Best Travel Insurance Companies of United Kingdom (UK)
The sort of trip you are taking and your circumstances will determine which travel insurance coverage is appropriate for you.
2.1 Top Travel Insurance Companies of United Kingdom According to Our Rating
Following are the top insurance companies of United Kingdom,
- Coverwise
- Southdowns
- Post Office
- Puffin Insurance
- Admiral
- All Clear
- Santander
- AA
- Just Travel Insurance
- Saga
3. Coverwise Travel Insurance – United Kingdom (UK)
3.1 Review –Coverwise United Kingdom UK
Coverwise provides a wide selection of travel insurance plans, ranging from regular contracts to specialized offerings for business travel, pre-existing medical issues, and winter sports excursions.
One of the top five travel insurance companies in the UK, AXA, underwrites its products. The underwriter is responsible for providing the technical details of the insurance policy.
Coverwise, which has its headquarters in Gibraltar, takes pride in “treating people as we would wish to be treated ourselves.”
Coverwise offers a comprehensive travel insurance portfolio, covering single trip and annual policies across five levels. It covers Europe, worldwide, UK, and Australia. Coverwise has over 43,000 reviews on Trustpilot and five stars by Defaqto.
3.2 Company Overview –Coverwise United Kingdom UK
Coverwise Ltd is an International General Insurance Intermediary based in Gibraltar, licensed and regulated by the Financial Services Commission. They aim to provide affordable insurance protection against unforeseen events and provide high-quality customer service.
Coverwise Ltd supports traditional values, treating people as they would like to be treated themselves. They strive to be reliable, efficient, honest, and experts in their field, acting with integrity in all their dealings.
3.3 Products & Services –Coverwise United Kingdom UK
Services offered by the company are,
- Ski Insurance
- Business Insurance
- Annual Travel Insurance
- Single Trip Travel Insurance
3.4 Contact Details –Coverwise United Kingdom UK
You can contact company through,
| Phone Number | 01903 255 650 |
| Address | Coverwise Limited, First Floor, Grand Ocean Plaza, Ocean Village, GX11 1AA Gibraltar. |
| [email protected] | |
| Official Website | https://www.coverwise.co.uk/ |
4. Southdowns –United Kingdom (UK)
4.1 Review –Southdowns Insurance United Kingdom UK
Southdowns is a West Sussex-based insurance company that offers trip insurance for both business and leisure travel. It provides basic coverage as well as specialized coverage, like as for tourists with pre-existing medical issues.
AXA is one of the top five travel insurers in the UK and underwrites Southdown plans. The underwriter supplies the specifics of the insurance that is really being offered.
4.2 Company Overview –Southdowns Insurance United Kingdom UK
Southdowns Insurance Services Ltd is a licensed and regulated General Insurance Intermediary in West Sussex, assisting in the administration of non-investment insurance contracts. They offer sales and service support for an International General Insurance Intermediary and underwrite their own products underwritten by Inter Partner Assistance S.A. UK Branch, part of the AXA Group.
4.3 Products & Services –Southdowns Insurance United Kingdom UK
Services offered by the company includes,
1.Single Trip
2. Annual-Multi Trip
3. Pre-existing medical conditions
4.4 Contact Details – Southdowns Insurance United Kingdom UK
You can contact company through,
| Phone Number | 01903 255 659 |
| Address | Southdowns Sales and Service 4th Floor, Southfield House 11 Liverpool Gardens, Worthing West Sussex, BN11 1RY |
| [email protected] | |
| Official Website | https://www.southdownsinsurance.co.uk/ |
5. Post Office – United Kingdom (UK)
5.1 Review –Post Office United Kingdom UK
The Post Office provides travel insurance for individuals and groups, including single trip, annual multi-trips, and backpacker travel insurance. Single trip policies cover cancellations, curtailment, emergency medical costs, repatriation, and missed departures.
Annual multi-trip policies offer delayed departure, emergency medical costs, and end-supplier failure for those aged 75 and under. Additional premiums include winter sports, cruises, trip disruption, enhanced Covid protection, and gadgets. Pre-existing medical conditions can be considered for extra cost.
5.2 Company Overview –Post Office United Kingdom UK
With its extensive countrywide network of over 11,500 post office branches, Post Office Limited is a retail post office firm based in the United Kingdom that offers a variety of products to the general public, such as banking services and postal stamps. Ninety-nine percent of these branch post offices are directly handled by Post Office Limited (also known as Crown post offices); the other one percent are maintained by franchise partners or independent businesspeople known as subpostmasters.
5.3 Products & Services –Post Office United Kingdom UK
Post Office travel insurance often covers the following,
- Emergency medical treatment
- Trip cancellation and curtailment
- Baggage and belongings
- Delayed departure
- Missed departure
- Low-risk sports and activities
- ‘End supplier’ failure
- Personal accident
- Personal liability
5.4 Contact Details –Post Office United Kingdom UK
You can contact company through,
| Phone Number | 0330 123 3690 |
| Address | 100 Wood Street, London, EC2V 7ER. |
| [email protected]. | |
| Official Website | https://www.postoffice.co.uk/contact-us |
6. Puffin Insurance – United Kingdom (UK)
6.1 Review –Puffin Insurance United Kingdom UK
Puffin Insurance provides solo, couple, family, and group coverage for a single trip as well as annual multi-trip policies for anyone ages 18 to 84.
The company’s travel insurance division is located in Surrey, while its headquarters are in Wales. The Financial Conduct Authority (FCA) has authorized and regulated Inter Partner Assistance UK Branch, a division of the AXA Group, which underwrites Puffin’s travel insurance coverage.
6.2 Company Overview –Puffin Insurance United Kingdom UK
Their company specializes in Travel Insurance and Pet Insurance, offering great value products with a straightforward website and call center. They provide excellent customer service and underwriters for claims. Their focus on these insurance lines allows us to keep costs low, without the need for expensive entrance halls. They prioritize customer service, product enhancement, and website refinement to ensure we deliver excellent value Travel and Pet Insurance products with excellent customer service and a simple website.
6.3 Products & Services –Puffin Insurance United Kingdom UK
Puffin offers travel insurance in three levels: Silver, Gold, and Platinum. Platinum policies offer up to £5,000 in holiday cancellation cover, while all levels offer up to £10 million in medical expenses and repatriation cover. Puffin’s standard travel insurance covers 100 common holiday activities, with adventure-seekers able to add an ‘activity pack’ for higher-risk activities. Winter sports must be covered separately. All policies include £500 in gadget cover.
6.4 Contact Details –Puffin Insurance United Kingdom UK
You can contact company through,
| Phone Number | 0333 772 0346 |
| Address | Travel Claims Team, AXA Partners, The Quadrangle, 106-118 Station Road, Redhill, RH1 1PR |
| [email protected] | |
| Official Website | https://puffininsurance.com/ |
7. Admiral – United Kingdom (UK)
7.1 Review – Admiral Gold United Kingdom UK
Admiral provides travel insurance for single trips and annual multi-trips, suitable for individuals aged 18-85 and children. The insurance offers three levels: Admiral, Admiral Gold, and Admiral Platinum, with the choice of level determining policy excess and limits.
Coverages include emergency medical and repatriation costs, cancellations, personal belongings, missed departures, money and travel documents, personal accident, personal liability, and legal assistance. Add-on cover for cruises, winter sports, golf equipment, gadgets, and excess waiver is also available. Admiral’s Platinum policies are rated five-stars by Defaqto and 63% by Fairer Finance.
7.2 Company Overview –Admiral Gold United Kingdom UK
Originally established in 1993 as a supplier of auto insurance, Admiral also offered house insurance in 2012 and travel insurance in 2017. The company also provides multi-cover insurance for a house and automobile, as well as pet insurance.
Admiral, which has its headquarters in Cardiff, employs 11,000 people in eight different nations. It has insured over four million automobiles and has over a million subscribers for house insurance.
The Financial Conduct Authority has authorized and regulated EUI Limited, trading as Admiral. Admiral (Gibraltar) Limited underwrites travel policies.
7.3 Products & Services –Admiral Gold United Kingdom UK
Admiral provides policies for both single and multiple trips. Subject to different claims limitations, the following is covered by all policies:
- Emergency medical expenses if you are injured or unwell
- Cancellation or curtailment of your holiday
- Lost or stolen personal possessions and baggage
- Delayed or missed departure
- Personal liability and legal assistance cover
- Medical costs, cancellation or curtailment as a result of Covid-19
Admiral also offers coverage under its specialty plans for gadgets, over-50s travel, winter sports vacations, and cruises.
7.4 Contact Details –Admiral Gold United Kingdom UK
You can contact company through,
| Phone Number | +44 (0)292 010 7777. |
| Address | Ty Admiral, David Street, Cardiff, CF10 2EH |
| [email protected]. | |
| Official Website | https://www.admiral.com |
8. All Clear – United Kingdom (UK)
8.1 Review –All Clear Travel Insurance United Kingdom UK
AllClear is a specialized supplier of travel insurance for individuals of all ages with pre-existing medical issues.
Numerous illnesses, including diabetes, heart problems, breast cancer, high blood pressure, and epilepsy, are covered by AllClear.
Mobility aids are covered by all of their insurance for a minimum of £2,500. If you have a pre-existing medical condition and are traveling on a cruise, they can also offer coverage.
It is above average because their Platinum coverage will cover lost or stolen baggage up to £3,000. However, be warned that if the airline you have a reservation with goes out of business, there is no protection.
8.2 Company Overview – All Clear Travel Insurance United Kingdom UK
The multi-award-winning business AllClear serves more than 3.5 million clients in Australia, the UK, and Ireland. It is committed to assisting everyone in obtaining reasonably priced travel insurance, regardless of age or underlying medical conditions.
As a specialized supplier of specialized insurance products and services, AllClear has developed cutting-edge technology with great success, supporting several brands. With Defaqto’s five-star rating for quality insurance products, AllClear provides top-notch customer service and claims management, which have been evaluated as “great” or “excellent” by 97% of consumers.
| Industry | Insurance |
| Headquarters | Gibraltar, Gibraltar |
| Founded | 2001 |
| Specialties | Travel Insurance , Over 50w, and Pre-existing medical conditions |
8.3 Products & Services –All Clear Travel Insurance United Kingdom UK
Allclear offers three plans.
- Gold
- Gold Plus
- Platinum
Coverages include,
- Emergency medical expenses and Repatriation costs
- Cancellation and Curtailment
- Travel Delay
- Recuperation stay
- Personal Belongings
- Personal liability
- Legal protection cover
8.4 Contact Details –All Clear Travel Insurance United Kingdom UK
You can contact company through,
| Phone Number | 0808 281 0105 |
| Address | AllClear Insurance Services Limited, AllClear House 1 Redwing Court, Ashton Road, Romford, Essex RM3 8QQ |
| [email protected] | |
| Official Website | https://www.allcleartravel.co.uk |
9. Santander – United Kingdom (UK)
9.1 Review –Santander United Kngdom UK
With the extras that Santander offers, you may customize a policy that is ideal for your trip and meets all of your needs. Among the various add-ons available for a charge are winter sports coverage, excess auto insurance, and cruise protection.
A 40% premium discount is also yours if you possess a World Elite Mastercard, a credit card available only to a limited number of consumers.
9.2 Company Overview –Santander United Kngdom UK
Santander UK plc is a British bank, wholly owned by the Spanish Santander Group. Established in 2010, it is one of the leading personal financial services companies in the UK and one of the largest providers of mortgages and savings. With around 20,000 employees, 14 million active customers, and 64 corporate business centres, Santander UK has a strong customer service rating.
In a 2020 moneysavingexpert.com poll, customer satisfaction with Santander ranked second among major high street banks. In 2011, Moody’s downgraded the credit rating of twelve UK financial firms, including Santander UK, citing financial weakness.
| Industry | Finance and Insurance |
| Founded | 11 January 2010 |
| Headquarters | London, England, UK |
| Products | Financial services |
9.3 Products & Services –Santander United Kngdom UK
Types of travel insurance includes,
- Annual multi-trip or single trip policy
- European or worldwide cover (excluding Cuba)
- Optional cover extensions
Coverages include,
- Unlimited medical costs in the event of an illness or injury while traveling
- If, for reasons you were not aware of when you took out the insurance, you had to cancel, shorten, or abandon your vacation, you might be reimbursed up to £5,000
- Personal property that is lost, stolen, or destroyed up to £2,000 (a £300 maximum applies to a single item). Money, passports, and other valuables left unattended (unless they are locked away) are not insured.
- If your luggage are delayed by the airline or carrier for more than 12 hours, you can get essential articles like clothes, toiletries, or medication worth up to £200.
- Overseas legal costs of up to £25,000 in the event that a third party causes your harm
- A payment of £20 (up to £250) will be made for each 12-hour delay in using public transportation, including flights.
9.4 Contact Details –Santander United Kngdom UK
You can contact company through,
| Phone Number | 0330 9 123 123 |
| Address | 2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom. |
| [email protected] | |
| Official Website | https://www.santander.co.uk |
10. AA – United Kingdom (UK)
10.1 Review –AA United Kingdom UK
The travel insurance offered by AA covers a wide range of situations, from unplanned travel costs to emergency medical care.
In addition to free access to a general practitioner while traveling, it includes cancellation coverage in the event that you become unwell and are unable to go.
When making a direct reservation through the AA website, members receive a 10% discount and do not have to pay an excess on their travel insurance coverage.
10.2 Company Overview –AA United Kingdom UK
A British driving group, AA Limited is also known as The AA (previously The Automobile group).
Founded in 1905, it offers a range of services including route maps, driving instruction, insurance against breakdowns, financing, and motoring advice. The organization became a private limited company in 1999 after demutualizing, and a public limited company (PLC) in 2014. In order to carry out its public interest and road safety initiatives, the AA Motoring Trust was established in 2002.
A group led by Warburg Pincus and Tower Brook Capital Partners successfully acquired AA Limited in 2021 (formerly known as AA PLC).
| Industry | Automotive services |
| Founded | 1905 |
| Headquarters | Fanum House, Basingstoke, England |
10.3 Products & Services –AA United Kingdom UK
Plans includes,
- Annual multi-trip
- Single trip
Coverages includes,
- Personal accident cover up to £25,000 per trip
- Cancellation cover up to £5,000 per person per trip
- Cover for all the trips you take, up to 62 days each
- Emergency assistance 24/7, 365 days a year
- Medical expenses up to £15 million
- Free access to GP support while abroad
10.4 Contact Details –AA United Kingdom UK
You can contact company through,
| Phone Number | 0330 1235 751 |
| Address | Q3 Quorum Park, Benton Lane |
| [email protected] | |
| Official Website | https://www.theaa.com |
11. Just Travel Insurance – United Kingdom (UK)
11.1 Review –Just Travel Cover United Kingdom UK
A broker called Just Travel Cover provides travel insurance from many different insurers.
AIG underwrites its Unity product line. For those who are on a cruise, the Unity Gold option offers outstanding coverage.
Cabin confinement insurance covers £150 per day up to a £1,500 cap, which is more than most.
Our cruise cover ratings give it five stars, and Just Travel Cover has a silver customer experience grade.
11.2 Company Overview –Just Travel Cover United Kingdom UK
Just Travel Cover, an award-winning travel insurance broker based in North East England, has been helping people find insurance since 1999. They offer tailored insurance for unique travel needs, including pre-existing medical conditions. With a range of policies, including bronze, silver, and gold options, they help people of all ages compare and select the right insurance.
Just Travel Cover also works with travel agents, tour operators, insurance brokers, charities, and health organizations. In 2023, they were awarded the ‘Best Travel Insurance Provider’ award at the Insurance Choice Awards, demonstrating their dedication to providing exceptional travel insurance broker services.
11.3 Products & Services –Just Travel Cover United Kingdom UK
Travel insurance plans includes,
- Single Trip Travel Insurance
- Annual Travel Insurance
- Cruise Travel Insurance
- Family Travel Insurance
- Staycations
- Winter Sports
- Golf Cover
- Coronavirus
- Business Travel Insurance
- School Trip Travel Insurance
11.4 Contact Details –Just Travel Cover United Kingdom UK
You can contact company through,
| Phone Number | 0800 294 2969 |
| Address | Victoria House, Toward Rd, Sunderland SR1 2QF |
| [email protected] | |
| Official Website | https://www.justtravelcover.com/ |
12. Saga – United Kingdom (UK)
12.1 Review –Saga United Kingdom UK
Saga ist eine gute Option, wenn Sie über 50 sind und eine umfassende Reiseversicherung suchen.
It covers a variety of preexisting medical conditions, such as diabetes, and gives you the option to protect up to nine family members of any age.
Defaqto has consistently awarded it five stars since 2007.
12.2 Company Overview –Saga United Kingdom UK
Saga is a British company that focuses on serving the needs of those aged 50 and over, with 2.7 million customers. The company was founded in 1951 and has since grown through acquisitions and mergers. In 2014, Saga Group Ltd was listed on the London Stock Exchange. In 2020, Euan Sutherland was appointed as CEO, and the company sold its motorcycle insurance business, Bennetts, to Atlanta Investment Holdings Ltd for £26 million.
In March 2020, Saga sold its Patricia White’s and Country Cousins domiciliary care agencies to Limerston Capital for £14 million. In November 2023, Sutherland resigned as CEO, and Mike Hazell was appointed as his replacement.
| Industry | Insurance Travel Financial services |
| Founded | 1951 |
| Headquarters | Folkestone, Kent , United Kingdom |
12.3 Products & Services –Saga United Kingdom UK
Travel plans include,
- Single trip travel insurance
- Annual trip travel insurance
- Delayed flight assistance
- Existing travel insurance
- Pre-existing travel insurance
- Cruise travel insurance
12.4 Contact Details –Saga United Kingdom UK
You can contact company through,
| Phone Number | 0800 092 6160 |
| Address | 3 Pancras Square, London N1C 4AG, United Kingdom |
| [email protected]. | |
| Official Website | https://www.saga.co.uk/contact-us |
13. FAQs – Travel Insurance United Kingdom (UK)
How does medical coverage work in travel insurance?
Travel insurance may cover medical costs associated with a trip, such as hospital stays, doctor visits, and emergency medical evacuation. It’s important to check the coverage limits and conditions.
What is the purpose of trip cancellation coverage?
If you have to cancel your journey due to covered reasons, such as illness, injury, or unforeseen events, your trip cancellation coverage will reimburse you for non-refundable trip expenses.
Is travel insurance required for visa applications?
In some countries, the process of applying for a visa may require travel insurance proof. It’s essential to check the specific requirements of the destination you plan to visit.
14. Conclusion – Travel Insurance United Kingdom (UK)
Finally, getting travel insurance is a critical step for anyone planning a trip from the United Kingdom. In the face of unforeseen circumstances like medical emergencies, trip cancellations, or lost belongings, it provides a safety net, offering financial protection and peace of mind. Travelers can customize their insurance to meet their unique needs and preferences with the wide range of coverage options.
In the end, purchasing travel insurance is a prudent move that not only protects one’s health but also improves the trip experience by reducing unplanned events. Since there are many unknowns while traveling, UK citizens on international trips would be wise to go for comprehensive insurance.
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