🕷️ Crawler Inspector

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1. Shard Calculation

Query:

Response:

Calculated Shard: 185 (from laksa085)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa185.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.thetimes.com/money-mentor/insurance/travel-insurance/best-travel-insurance-providers/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.thetimes.com/money-mentor/insurance/travel-insurance/best-travel-insurance-providers/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.thetimes.com\/money-mentor\/insurance\/travel-insurance\/best-travel-insurance-providers\/","crawl_time":1774040186,"first_indexed_time":1716770323,"http_code":200,"src_unparsed":"com,thetimes!www,\/money-mentor\/insurance\/travel-insurance\/best-travel-insurance-providers\/ s443","src_root_hash":"4842066857238295985","history_drop_reason":null,"meta_title":"The best travel insurance providers","meta_descriptions":["The best travel insurance providers often come with a balance of affordability and excellent coverage. We list some of the best insurers in this guide for you."],"attrs_boilerpipe_text":"times financial partners\nGetty\nMichael Brown\nand\nGeorgie Frost\nMonday September 15 2025, 11.37am\nBST\n,\nThe Times\n*This article contains affiliate links that will earn us revenue.\nTravel insurance could save you from an expensive disaster when holidaying abroad. We explain what to look out for when picking a policy and some of the best travel insurance providers on the market.\nWhat is travel insurance?\nTravel insurance is a policy that people take out prior to going abroad to cover them for the potential cost of any unexpected events. Insurers require details of the individual including age, existing health conditions and where they are travelling to (which continent or countries). They will also ask if the traveller intends to take part in adventurous or winter sports.\nThis determines the price of the policy.\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine\nWhat are the different types of travel insurance?\nTravel insurance policies can be for an individual or for a group, such as a family.\nPolicies will either cover you for:\nA single trip\n— Covers you for one trip of a specified length only\nAnnual multi-trip\n— Covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)\nHow to make car insurance cheaper for new drivers\nAnd the regions that travel insurance cover:\nEurope only\nWorldwide, including the US\nWorldwide, excluding the US\nThe best travel insurance\nBelow we’ve listed some of the best travel insurance providers on the market.\n___________________________________________________________________________________________________________________________________________\nSantander\n___________________________________________________________________________________________________________________________________________\nBenenden Health\n___________________________________________________________________________________________________________________________________________\nStay Sure\n___________________________________________________________________________________________________________________________________________\nCoutts & Co\n___________________________________________________________________________________________________________________________________________\nWhat does travel insurance cover?\nWhen shopping for travel insurance, you should ensure your policy comes with the following as standard:\n1. Medical expenses\nThis would include emergency medical and surgical treatment while you’re away.\nIt usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.\nMost policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine\n2. Repatriation\nIf you needed to be evacuated from the country you’re visiting, either in the event of a medical emergency or death, repatriation is usually covered as standard in most travel insurance policies.\n3. Cancellation\/curtailment\nCoverage under cancellation or curtailment will vary from one insurer to the next, but typically it means if you have to cancel your trip for reasons outside your control, you would get back the cost (or some of the cost) of travel and accommodation costs already paid.\nEnsure you check the details of the specific policy before you buy.\n4. Missed departure\nThere will be additional expenses if you miss your departure due to situations outside your control. A good travel insurance policy would cover this. Reasons for missed departure could include your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine\n5. Delay\nThis covers you for delays to your travel plans, such as severe weather conditions.\nDelays known about before (such as strikes) won’t be covered.\n6. Baggage cover\nThis should cover you if your baggage is lost, stolen, damaged or destroyed.\nYou might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.\nLosses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.\n7. Personal liability cover\nThis should cover you if you are liable to pay damages due to:\nAccidental bodily injury to someone\nOr for loss or damage to someone else’s property\nClaims made by family members or employees won’t be covered\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine\nWhat extra cover can you buy?\nTo provide a peace of mind you might be able to add the following on to your policy too:\nWedding cover\n– If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy\nGadget insurance\n– While you’re abroad you might want to cover your laptop, phone, or tablet from theft or damage\nGolf equipment cover\n– Consider cover for your clubs and other equipment if it is lost, stolen, or accidentally damaged\nWhat is not covered by travel insurance?\nTravel insurance won’t cover you for a risk that is known about.\nFor example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.\nWhat does buildings insurance cover and do I need it?\nInsurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.\nTravel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage, or if a claim is related to alcohol or drugs.\nRisky activities are also excluded from most standard polices – this could be anything from horse riding to mountain climbing or skiing. Generally you’ll be able to find an add-on or upgrade the policy to cover many of these – winter sports cover if you’re skiing, for example – but make sure to check.\nEach policy will have specific things it won’t cover, and these will vary depending on the provider. So it’s important to read the terms and conditions carefully.\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine\nDo I need travel insurance?\nUnlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits, such as cover for medical emergencies.\nThe cost of overseas medical treatment can really add up, especially when you include repatriation to the UK. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000, which was paid in full by their travel insurance provider.\nYou also need to think about how much it would cost to pay out for your luggage and belongings if they were lost, stolen or damaged and also what you might stand to lose if your holiday company went bust before you made the trip. These costs would all be covered through your travel insurance policy.\nHow to buy travel insurance\nYou can buy a travel insurance policy directly from an insurer, or you can go through a comparison website. It’s sometimes easier to use a comparison website as it will quickly show you a range of potential policies to choose from.\nIf you have an existing health condition, you’re going on a trip which will include activities not covered on a basic policy, or you’re aged 65 or older, you may need a specialist insurer. There is a list of these on the British Insurance Brokers’ Association (BIBA) website. Saga is a provider of travel insurance for the over-50s.\nYour premium will depend on a range of factors such as your age, health, type of policy and destination. This is why an average travel insurance premium will probably be meaningless, so make sure you do your research and get a quote from several different providers before deciding on a policy.\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine\nWhen to buy travel insurance\nIt’s a myth that you can buy cheaper travel insurance closer to your departure date. Buying an insurance policy while you’re already away can also invalidate the policy.\nThe best pet insurance providers\nPlus, the longer you have travel insurance the more protection you can enjoy. For example, if your flight is cancelled two days before you were set to depart – and you were waiting until the day before flying to buy your policy – you won’t be able to make a claim.\nYou can buy travel insurance any time after you have planned your trip.\nCompare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine","attrs_markdown":"## Accessibility Links\n[Skip to content](https:\/\/www.thetimes.com\/money-mentor\/insurance\/travel-insurance\/best-travel-insurance-providers\/#article-main)\n\n[![The Times & The Sunday Times](https:\/\/www.thetimes.com\/wp-content\/plugins\/tm-wp-frontend\/assets\/images\/the-times-logo.webp)](https:\/\/www.thetimes.com\/)\n\n- [Home](https:\/\/www.thetimes.com\/)\n- [UK](https:\/\/www.thetimes.com\/uk)\n- [World](https:\/\/www.thetimes.com\/world)\n- [Comment](https:\/\/www.thetimes.com\/comment)\n- [Money](https:\/\/www.thetimes.com\/money)\n- [Life & Style](https:\/\/www.thetimes.com\/life-style)\n- [Business](https:\/\/www.thetimes.com\/business)\n- [Sport](https:\/\/www.thetimes.com\/sport)\n- [Culture](https:\/\/www.thetimes.com\/culture)\n- [Travel](https:\/\/www.thetimes.com\/travel)\n- [Obituaries](https:\/\/www.thetimes.com\/uk\/obituaries)\n- [Puzzles](https:\/\/www.thetimes.com\/puzzles)\n- [Magazines](https:\/\/www.thetimes.com\/magazines)\n\n[Times+](https:\/\/www.thetimes.com\/timesplus)\n\nMy account\n\n- [Start trial](https:\/\/www.thetimes.com\/subscribe\/digital)\n- [Upgrade](https:\/\/www.thetimes.com\/subscribe\/digital-light-upgrade)\n- [Manage account](https:\/\/home.thetimes.com\/)\n- [Change password](https:\/\/home.thetimes.com\/edit\/password?returnUrl=\/)\n- [My newsletters](https:\/\/home.thetimes.com\/newsletters)\n- [My articles](https:\/\/www.thetimes.com\/my-articles)\n- [Help](https:\/\/www.thetimes.com\/help)\n- [Contact us](https:\/\/www.thetimes.com\/static\/contact-us)\n- [Log out](https:\/\/login.thetimes.com\/user\/logout?gotoUrl=https%3A%2F%2Fwww.thetimes.com%2Ffinancial-partners%2Finsurance%2Farticle%2Fthe-best-travel-insurance-providers-jx2kk72h2%3Ft%3D1774040192688)\n\n[Log in](https:\/\/login.thetimes.com\/?gotoUrl=https%3A%2F%2Fwww.thetimes.com%2Ffinancial-partners%2Finsurance%2Farticle%2Fthe-best-travel-insurance-providers-jx2kk72h2%3Ft%3D1774040192688)\n\n[Start trial](https:\/\/www.thetimes.com\/subscribe\/digital)\n\nSections\n\nMy account\n\n- [Home](https:\/\/www.thetimes.com\/)\n- UK\n  - 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We explain what to look out for when picking a policy and some of the best travel insurance providers on the market.\n\n## **What is travel insurance?**\nTravel insurance is a policy that people take out prior to going abroad to cover them for the potential cost of any unexpected events. Insurers require details of the individual including age, existing health conditions and where they are travelling to (which continent or countries). They will also ask if the traveller intends to take part in adventurous or winter sports.\n\nThis determines the price of the policy.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\nAdvertisement\n\n## **What are the different types of travel insurance?**\nTravel insurance policies can be for an individual or for a group, such as a family.\n\nPolicies will either cover you for:\n\n- **A single trip** — Covers you for one trip of a specified length only\n- **Annual multi-trip** — Covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)\n\n- **[How to make car insurance cheaper for new drivers](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/how-to-make-car-insurance-cheaper-for-new-drivers-jwgmmpjz7)**\n\nAnd the regions that travel insurance cover:\n\nAdvertisement\n\n- Europe only\n- Worldwide, including the US\n- Worldwide, excluding the US\n## **The best travel insurance**\nBelow we’ve listed some of the best travel insurance providers on the market.\n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Santander\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Benenden Health\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\nAdvertisement\n\n### Stay Sure\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Coutts & Co\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n## **What does travel insurance cover?**\nWhen shopping for travel insurance, you should ensure your policy comes with the following as standard:\n\n### **1\\. Medical expenses**\nThis would include emergency medical and surgical treatment while you’re away.\n\nIt usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.\n\nAdvertisement\n\nMost policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n### **2\\. Repatriation**\nIf you needed to be evacuated from the country you’re visiting, either in the event of a medical emergency or death, repatriation is usually covered as standard in most travel insurance policies.\n\n### **3\\. Cancellation\/curtailment**\nCoverage under cancellation or curtailment will vary from one insurer to the next, but typically it means if you have to cancel your trip for reasons outside your control, you would get back the cost (or some of the cost) of travel and accommodation costs already paid.\n\nEnsure you check the details of the specific policy before you buy.\n\nAdvertisement\n\n### **4\\. Missed departure**\nThere will be additional expenses if you miss your departure due to situations outside your control. A good travel insurance policy would cover this. Reasons for missed departure could include your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n### **5\\. Delay**\nThis covers you for delays to your travel plans, such as severe weather conditions.\n\nDelays known about before (such as strikes) won’t be covered.\n\n### **6\\. Baggage cover**\nThis should cover you if your baggage is lost, stolen, damaged or destroyed.\n\nYou might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.\n\nLosses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.\n\n### **7\\. Personal liability cover**\nThis should cover you if you are liable to pay damages due to:\n\n- Accidental bodily injury to someone\n- Or for loss or damage to someone else’s property\n- Claims made by family members or employees won’t be covered\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **What extra cover can you buy?**\nTo provide a peace of mind you might be able to add the following on to your policy too:\n\n- **Wedding cover** – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy\n- **Gadget insurance** – While you’re abroad you might want to cover your laptop, phone, or tablet from theft or damage\n- **Golf equipment cover** – Consider cover for your clubs and other equipment if it is lost, stolen, or accidentally damaged\n## **What is not covered by travel insurance?**\nTravel insurance won’t cover you for a risk that is known about.\n\nFor example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.\n\n- **[What does buildings insurance cover and do I need it?](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/what-does-buildings-insurance-cover-and-do-i-need-it-2pvhqnccx)**\n\nInsurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.\n\nTravel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage, or if a claim is related to alcohol or drugs.\n\nRisky activities are also excluded from most standard polices – this could be anything from horse riding to mountain climbing or skiing. Generally you’ll be able to find an add-on or upgrade the policy to cover many of these – winter sports cover if you’re skiing, for example – but make sure to check.\n\nEach policy will have specific things it won’t cover, and these will vary depending on the provider. So it’s important to read the terms and conditions carefully.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **Do I need travel insurance?**\nUnlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits, such as cover for medical emergencies.\n\nThe cost of overseas medical treatment can really add up, especially when you include repatriation to the UK. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000, which was paid in full by their travel insurance provider.\n\nYou also need to think about how much it would cost to pay out for your luggage and belongings if they were lost, stolen or damaged and also what you might stand to lose if your holiday company went bust before you made the trip. These costs would all be covered through your travel insurance policy.\n\n## **How to buy travel insurance**\nYou can buy a travel insurance policy directly from an insurer, or you can go through a comparison website. It’s sometimes easier to use a comparison website as it will quickly show you a range of potential policies to choose from.\n\nIf you have an existing health condition, you’re going on a trip which will include activities not covered on a basic policy, or you’re aged 65 or older, you may need a specialist insurer. There is a list of these on the British Insurance Brokers’ Association (BIBA) website. Saga is a provider of travel insurance for the over-50s.\n\nYour premium will depend on a range of factors such as your age, health, type of policy and destination. This is why an average travel insurance premium will probably be meaningless, so make sure you do your research and get a quote from several different providers before deciding on a policy.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **When to buy travel insurance**\nIt’s a myth that you can buy cheaper travel insurance closer to your departure date. Buying an insurance policy while you’re already away can also invalidate the policy.\n\n- **[The best pet insurance providers](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/the-best-pet-insurance-providers-7zcpp6wmn)**\n\nPlus, the longer you have travel insurance the more protection you can enjoy. For example, if your flight is cancelled two days before you were set to depart – and you were waiting until the day before flying to buy your policy – you won’t be able to make a claim.\n\nYou can buy travel insurance any time after you have planned your trip.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n[Times Financial Partners](https:\/\/www.thetimes.com\/financial-partners)\n\n[Insurance](https:\/\/www.thetimes.com\/financial-partners\/insurance)\n\nShare\n\n### Share this article\n[Email](mailto:?body=https%3A%2F%2Fwww.thetimes.com%2Ffinancial-partners%2Finsurance%2Farticle%2Fthe-best-travel-insurance-providers-jx2kk72h2 \"Share by email\")\n\n[Twitter](https:\/\/twitter.com\/intent\/tweet?text=Shared%20with%20you%20by%20a%20Times%20subscriber.%0A%0AEnjoy%20this%20article%20for%20free.%0A%0Ahttps:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/the-best-travel-insurance-providers-jx2kk72h2 \"Share on Twitter\")\n\n[Facebook](https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/the-best-travel-insurance-providers-jx2kk72h2 \"Share on Facebook\")\n\nLink\n\nSave\n\n### Related articles\n[![The best pet insurance providers](https:\/\/www.thetimes.com\/imageserver\/image\/506b0bfa-e0c1-472c-a81e-a5cc4be0bd3a.jpg?strip=all&format=webp&crop=8600px%2C4837px%2C0px%2C447px&resize=750) times financial partners The best pet insurance providers September 15, 2025, 11.12am Michael Brown](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/the-best-pet-insurance-providers-7zcpp6wmn)\n\n[![Holiday home insurance explained](https:\/\/www.thetimes.com\/imageserver\/image\/9f92dd53-b486-41aa-b157-c1232d503253.jpg?strip=all&format=webp&crop=4287px%2C2411px%2C0px%2C217px&resize=750) times financial partners Holiday home insurance explained August 18, 2025, 10.22am Faith Archer](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/holiday-home-insurance-explained-gz2z02w66)\n\n[![What does buildings insurance cover and do I need it?](https:\/\/www.thetimes.com\/imageserver\/image\/865e27fd-af90-4ed3-b96d-225ebb08a96b.jpg?strip=all&format=webp&crop=8660px%2C4871px%2C0px%2C450px&resize=750) Times Financial Partners What does buildings insurance cover and do I need it? August 18, 2025, 10.17am Rachel Lacey](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/what-does-buildings-insurance-cover-and-do-i-need-it-2pvhqnccx)\n\nPromoted Content\n\n[Previous Article](https:\/\/www.thetimes.com\/money-mentor\/insurance\/travel-insurance\/best-travel-insurance-providers\/)\n\n[Next Article](https:\/\/www.thetimes.com\/money-mentor\/insurance\/travel-insurance\/best-travel-insurance-providers\/)\n\n[Back to top](https:\/\/www.thetimes.com\/money-mentor\/insurance\/travel-insurance\/best-travel-insurance-providers\/#article-main)\n\n![](https:\/\/www.thetimes.com\/wp-content\/plugins\/tm-wp-frontend\/assets\/images\/the-times-dual.webp)\n\n### Get in touch\n- [About us](https:\/\/www.thetimes.com\/static\/about-us\/)\n- [Contact us](https:\/\/www.thetimes.com\/static\/contact-us)\n- [Help](https:\/\/www.thetimes.com\/help)\n- [The Times Editorial Complaints](https:\/\/www.thetimes.com\/static\/the-times-editorial-complaints\/)\n- [The Sunday Times Editorial Complaints](https:\/\/www.thetimes.com\/static\/the-sunday-times-editorial-complaints)\n- [Place an announcement](https:\/\/www.newsukadvertising.co.uk\/the-times\/announcements)\n- [Classified advertising](https:\/\/www.newsukadvertising.co.uk\/)\n- [Display advertising](https:\/\/static1.squarespace.com\/static\/5dc5660bade009281aa8ed04\/t\/64f71afd3bba9b4de72ad8a2\/1693915902826\/The+Times+-+Ad+Specifications+2023+\\(11\\).pdf)\n- [The Times corrections](https:\/\/www.thetimes.com\/comment\/register\/article\/corrections-and-clarifications-the-times-x9nbft5tq)\n- [The Sunday Times corrections](https:\/\/www.thetimes.com\/comment\/register\/article\/corrections-and-clarifications-the-sunday-times-ndfkq7wb6)\n- [Careers](https:\/\/www.newscareers.co.uk\/vacancies\/vacancy-search-results.aspx)\n\n### More from The Times and The Sunday Times\n- [The Times e-paper](https:\/\/epaper.thetimes.com\/app\/THETIM)\n- [The Sunday Times e-paper](https:\/\/epaper.thetimes.com\/app\/THETIM)\n- [The Sunday Times Wine Club](https:\/\/www.sundaytimeswineclub.co.uk\/)\n- [Times Print Gallery](https:\/\/times.newsprints.co.uk\/?utm_source=the_times)\n- [The Times Archive](https:\/\/www.thetimes.com\/archive)\n- [Times Crossword Club](https:\/\/www.thetimes.com\/puzzleclub\/crosswordclub\/)\n- [Sunday Times Driving](https:\/\/www.thetimes.com\/life-style\/driving)\n- [Times+](https:\/\/www.thetimes.com\/timesplus)\n- [The Sunday Times Rich List](https:\/\/www.thetimes.com\/sunday-times-rich-list)\n- [Travel](https:\/\/www.thetimes.com\/travel)\n- [Good University Guide](https:\/\/www.thetimes.com\/uk-university-rankings)\n- [Schools Guide](https:\/\/www.thetimes.com\/best-schools-league-table)\n- [Newsletters](https:\/\/home.thetimes.com\/newsletters)\n- [Best Places to Live](https:\/\/www.thetimes.com\/best-places-to-live)\n- [Best Places to Stay](https:\/\/www.thetimes.com\/travel\/destinations\/uk-travel\/best-places-to-stay-in-the-uk-2026-g9zkkxkpk)\n- [Best British Makers](https:\/\/www.thetimes.com\/uk\/best-british-makers)\n- [Best Law Firms](https:\/\/www.thetimes.com\/best-law-firms\/article\/best-law-firms-9kh6q236r)\n- [Podcasts](https:\/\/www.thetimes.com\/podcasts)\n- [Times Luxury](https:\/\/www.thetimes.com\/life-style\/luxury)\n- [Sportswomen of the Year Awards](https:\/\/www.thetimes.com\/sport\/sportswomen-of-the-year)\n- [Best Places to Work](https:\/\/www.thetimes.com\/best-places-to-work)\n- [Puzzles](https:\/\/www.thetimes.com\/puzzles)\n- [TV guide](https:\/\/www.thetimes.com\/culture\/tv-radio\/article\/tv-guide-uk-g2wrw85r3)\n- [Times Radio](https:\/\/www.thetimes.com\/radio)\n- [The Sunday Times 100](https:\/\/www.thetimes.com\/sunday-times-100-fast-growth)\n- [Times Bookshop](https:\/\/www.timesbookshop.co.uk\/)\n- [Times Financial Partners](https:\/\/www.thetimes.com\/financial-partners)\n- [Times Appointments](https:\/\/appointments.thetimes.com\/)\n\n### More from News Corp\n- [The Australian](https:\/\/www.theaustralian.com.au\/)\n- [Barron’s](https:\/\/www.barrons.com\/)\n- [Dow Jones](https:\/\/www.dowjones.com\/)\n- [Financial News London](https:\/\/www.fnlondon.com\/)\n- [Investor’s Business Daily](https:\/\/www.investors.com\/)\n- [Mansion Global](https:\/\/www.mansionglobal.com\/)\n- [MarketWatch](https:\/\/www.marketwatch.com\/)\n- [Realtor.com](https:\/\/www.realtor.com\/)\n- [The Sun](https:\/\/www.thesun.co.uk\/)\n- [Times Literary Supplement](https:\/\/www.the-tls.com\/)\n- [The Wall Street Journal](https:\/\/www.wsj.com\/)\n- [talkSPORT](https:\/\/talksport.com\/)\n\n© Times Media Limited 2025.  \nRegistered in England No. 894646. 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Ends soon.\n\n[Subscribe now]()\n\n#### Continue reading\nEnjoy unlimited digital access.\n\n[Subscribe now](https:\/\/globalstore.thetimes.com\/)\n\nAlready have an account? [Log in ›](https:\/\/login.thetimes.com\/)","attrs_readable_markdown":"times financial partners\n\n![Woman pulling suitcase in airport terminal.](https:\/\/www.thetimes.com\/imageserver\/image\/77402c5a-de5c-426a-8beb-4cc4565e54d9.jpg?strip=all&format=webp&crop=8256px%2C4644px%2C0px%2C430px&resize=2360)Getty\n\nMichael Brown and Georgie Frost\n\nMonday September 15 2025, 11.37am BST, The Times\n\n*\\*This article contains affiliate links that will earn us revenue.*\n\nTravel insurance could save you from an expensive disaster when holidaying abroad. We explain what to look out for when picking a policy and some of the best travel insurance providers on the market.\n\n## **What is travel insurance?**\nTravel insurance is a policy that people take out prior to going abroad to cover them for the potential cost of any unexpected events. Insurers require details of the individual including age, existing health conditions and where they are travelling to (which continent or countries). They will also ask if the traveller intends to take part in adventurous or winter sports.\n\nThis determines the price of the policy.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **What are the different types of travel insurance?**\nTravel insurance policies can be for an individual or for a group, such as a family.\n\nPolicies will either cover you for:\n\n- **A single trip** — Covers you for one trip of a specified length only\n- **Annual multi-trip** — Covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)\n\n- **[How to make car insurance cheaper for new drivers](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/how-to-make-car-insurance-cheaper-for-new-drivers-jwgmmpjz7)**\n\nAnd the regions that travel insurance cover:\n\n- Europe only\n- Worldwide, including the US\n- Worldwide, excluding the US\n## **The best travel insurance**\nBelow we’ve listed some of the best travel insurance providers on the market.\n\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Santander\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Benenden Health\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Stay Sure\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n### Coutts & Co\n\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\n\n## **What does travel insurance cover?**\nWhen shopping for travel insurance, you should ensure your policy comes with the following as standard:\n\n### **1\\. Medical expenses**\nThis would include emergency medical and surgical treatment while you’re away.\n\nIt usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.\n\nMost policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n### **2\\. Repatriation**\nIf you needed to be evacuated from the country you’re visiting, either in the event of a medical emergency or death, repatriation is usually covered as standard in most travel insurance policies.\n\n### **3\\. Cancellation\/curtailment**\nCoverage under cancellation or curtailment will vary from one insurer to the next, but typically it means if you have to cancel your trip for reasons outside your control, you would get back the cost (or some of the cost) of travel and accommodation costs already paid.\n\nEnsure you check the details of the specific policy before you buy.\n\n### **4\\. Missed departure**\nThere will be additional expenses if you miss your departure due to situations outside your control. A good travel insurance policy would cover this. Reasons for missed departure could include your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n### **5\\. Delay**\nThis covers you for delays to your travel plans, such as severe weather conditions.\n\nDelays known about before (such as strikes) won’t be covered.\n\n### **6\\. Baggage cover**\nThis should cover you if your baggage is lost, stolen, damaged or destroyed.\n\nYou might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.\n\nLosses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.\n\n### **7\\. Personal liability cover**\nThis should cover you if you are liable to pay damages due to:\n\n- Accidental bodily injury to someone\n- Or for loss or damage to someone else’s property\n- Claims made by family members or employees won’t be covered\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **What extra cover can you buy?**\nTo provide a peace of mind you might be able to add the following on to your policy too:\n\n- **Wedding cover** – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy\n- **Gadget insurance** – While you’re abroad you might want to cover your laptop, phone, or tablet from theft or damage\n- **Golf equipment cover** – Consider cover for your clubs and other equipment if it is lost, stolen, or accidentally damaged\n## **What is not covered by travel insurance?**\nTravel insurance won’t cover you for a risk that is known about.\n\nFor example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.\n\n- **[What does buildings insurance cover and do I need it?](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/what-does-buildings-insurance-cover-and-do-i-need-it-2pvhqnccx)**\n\nInsurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.\n\nTravel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage, or if a claim is related to alcohol or drugs.\n\nRisky activities are also excluded from most standard polices – this could be anything from horse riding to mountain climbing or skiing. Generally you’ll be able to find an add-on or upgrade the policy to cover many of these – winter sports cover if you’re skiing, for example – but make sure to check.\n\nEach policy will have specific things it won’t cover, and these will vary depending on the provider. So it’s important to read the terms and conditions carefully.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **Do I need travel insurance?**\nUnlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits, such as cover for medical emergencies.\n\nThe cost of overseas medical treatment can really add up, especially when you include repatriation to the UK. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000, which was paid in full by their travel insurance provider.\n\nYou also need to think about how much it would cost to pay out for your luggage and belongings if they were lost, stolen or damaged and also what you might stand to lose if your holiday company went bust before you made the trip. These costs would all be covered through your travel insurance policy.\n\n## **How to buy travel insurance**\nYou can buy a travel insurance policy directly from an insurer, or you can go through a comparison website. It’s sometimes easier to use a comparison website as it will quickly show you a range of potential policies to choose from.\n\nIf you have an existing health condition, you’re going on a trip which will include activities not covered on a basic policy, or you’re aged 65 or older, you may need a specialist insurer. There is a list of these on the British Insurance Brokers’ Association (BIBA) website. Saga is a provider of travel insurance for the over-50s.\n\nYour premium will depend on a range of factors such as your age, health, type of policy and destination. This is why an average travel insurance premium will probably be meaningless, so make sure you do your research and get a quote from several different providers before deciding on a policy.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*\n\n## **When to buy travel insurance**\nIt’s a myth that you can buy cheaper travel insurance closer to your departure date. Buying an insurance policy while you’re already away can also invalidate the policy.\n\n- **[The best pet insurance providers](https:\/\/www.thetimes.com\/financial-partners\/insurance\/article\/the-best-pet-insurance-providers-7zcpp6wmn)**\n\nPlus, the longer you have travel insurance the more protection you can enjoy. For example, if your flight is cancelled two days before you were set to depart – and you were waiting until the day before flying to buy your policy – you won’t be able to make a claim.\n\nYou can buy travel insurance any time after you have planned your trip.\n\n*[Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https:\/\/money-mentor-insurance.thetimes.co.uk\/travel\/index.php?id=387bde563717614c81c22e22a1565aaa)*","meta_canonical":"com,thetimes!www,\/financial-partners\/insurance\/article\/the-best-travel-insurance-providers-jx2kk72h2 s443"}

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Boilerpipe Text	times financial partners Getty Michael Brown and Georgie Frost Monday September 15 2025, 11.37am BST , The Times *This article contains affiliate links that will earn us revenue. Travel insurance could save you from an expensive disaster when holidaying abroad. We explain what to look out for when picking a policy and some of the best travel insurance providers on the market. What is travel insurance? Travel insurance is a policy that people take out prior to going abroad to cover them for the potential cost of any unexpected events. Insurers require details of the individual including age, existing health conditions and where they are travelling to (which continent or countries). They will also ask if the traveller intends to take part in adventurous or winter sports. This determines the price of the policy. Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine What are the different types of travel insurance? Travel insurance policies can be for an individual or for a group, such as a family. Policies will either cover you for: A single trip — Covers you for one trip of a specified length only Annual multi-trip — Covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies) How to make car insurance cheaper for new drivers And the regions that travel insurance cover: Europe only Worldwide, including the US Worldwide, excluding the US The best travel insurance Below we’ve listed some of the best travel insurance providers on the market. ___________________________________________________________________________________________________________________________________________ Santander ___________________________________________________________________________________________________________________________________________ Benenden Health ___________________________________________________________________________________________________________________________________________ Stay Sure ___________________________________________________________________________________________________________________________________________ Coutts & Co ___________________________________________________________________________________________________________________________________________ What does travel insurance cover? When shopping for travel insurance, you should ensure your policy comes with the following as standard: 1. Medical expenses This would include emergency medical and surgical treatment while you’re away. It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included. Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US. Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine 2. Repatriation If you needed to be evacuated from the country you’re visiting, either in the event of a medical emergency or death, repatriation is usually covered as standard in most travel insurance policies. 3. Cancellation/curtailment Coverage under cancellation or curtailment will vary from one insurer to the next, but typically it means if you have to cancel your trip for reasons outside your control, you would get back the cost (or some of the cost) of travel and accommodation costs already paid. Ensure you check the details of the specific policy before you buy. 4. Missed departure There will be additional expenses if you miss your departure due to situations outside your control. A good travel insurance policy would cover this. Reasons for missed departure could include your car breaking down or being involved in an accident. Leaving home at the last minute won’t count. Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine 5. Delay This covers you for delays to your travel plans, such as severe weather conditions. Delays known about before (such as strikes) won’t be covered. 6. Baggage cover This should cover you if your baggage is lost, stolen, damaged or destroyed. You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items. Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage. 7. Personal liability cover This should cover you if you are liable to pay damages due to: Accidental bodily injury to someone Or for loss or damage to someone else’s property Claims made by family members or employees won’t be covered Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine What extra cover can you buy? To provide a peace of mind you might be able to add the following on to your policy too: Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy Gadget insurance – While you’re abroad you might want to cover your laptop, phone, or tablet from theft or damage Golf equipment cover – Consider cover for your clubs and other equipment if it is lost, stolen, or accidentally damaged What is not covered by travel insurance? Travel insurance won’t cover you for a risk that is known about. For example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs. What does buildings insurance cover and do I need it? Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected. Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage, or if a claim is related to alcohol or drugs. Risky activities are also excluded from most standard polices – this could be anything from horse riding to mountain climbing or skiing. Generally you’ll be able to find an add-on or upgrade the policy to cover many of these – winter sports cover if you’re skiing, for example – but make sure to check. Each policy will have specific things it won’t cover, and these will vary depending on the provider. So it’s important to read the terms and conditions carefully. Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine Do I need travel insurance? Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits, such as cover for medical emergencies. The cost of overseas medical treatment can really add up, especially when you include repatriation to the UK. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000, which was paid in full by their travel insurance provider. You also need to think about how much it would cost to pay out for your luggage and belongings if they were lost, stolen or damaged and also what you might stand to lose if your holiday company went bust before you made the trip. These costs would all be covered through your travel insurance policy. How to buy travel insurance You can buy a travel insurance policy directly from an insurer, or you can go through a comparison website. It’s sometimes easier to use a comparison website as it will quickly show you a range of potential policies to choose from. If you have an existing health condition, you’re going on a trip which will include activities not covered on a basic policy, or you’re aged 65 or older, you may need a specialist insurer. There is a list of these on the British Insurance Brokers’ Association (BIBA) website. Saga is a provider of travel insurance for the over-50s. Your premium will depend on a range of factors such as your age, health, type of policy and destination. This is why an average travel insurance premium will probably be meaningless, so make sure you do your research and get a quote from several different providers before deciding on a policy. Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine When to buy travel insurance It’s a myth that you can buy cheaper travel insurance closer to your departure date. Buying an insurance policy while you’re already away can also invalidate the policy. The best pet insurance providers Plus, the longer you have travel insurance the more protection you can enjoy. For example, if your flight is cancelled two days before you were set to depart – and you were waiting until the day before flying to buy your policy – you won’t be able to make a claim. You can buy travel insurance any time after you have planned your trip. Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine
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Travel insurance could save you from an expensive disaster when holidaying abroad. We explain what to look out for when picking a policy and some of the best travel insurance providers on the market. ## What is travel insurance? Travel insurance is a policy that people take out prior to going abroad to cover them for the potential cost of any unexpected events. Insurers require details of the individual including age, existing health conditions and where they are travelling to (which continent or countries). They will also ask if the traveller intends to take part in adventurous or winter sports. This determines the price of the policy. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) Advertisement ## What are the different types of travel insurance? Travel insurance policies can be for an individual or for a group, such as a family. Policies will either cover you for: - A single trip — Covers you for one trip of a specified length only - Annual multi-trip — Covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies) - [How to make car insurance cheaper for new drivers](https://www.thetimes.com/financial-partners/insurance/article/how-to-make-car-insurance-cheaper-for-new-drivers-jwgmmpjz7) And the regions that travel insurance cover: Advertisement - Europe only - Worldwide, including the US - Worldwide, excluding the US ## The best travel insurance Below we’ve listed some of the best travel insurance providers on the market. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Santander \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Benenden Health \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Advertisement ### Stay Sure \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Coutts & Co \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ## What does travel insurance cover? When shopping for travel insurance, you should ensure your policy comes with the following as standard: ### 1\. Medical expenses This would include emergency medical and surgical treatment while you’re away. It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included. Advertisement Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ### 2\. Repatriation If you needed to be evacuated from the country you’re visiting, either in the event of a medical emergency or death, repatriation is usually covered as standard in most travel insurance policies. ### 3\. Cancellation/curtailment Coverage under cancellation or curtailment will vary from one insurer to the next, but typically it means if you have to cancel your trip for reasons outside your control, you would get back the cost (or some of the cost) of travel and accommodation costs already paid. Ensure you check the details of the specific policy before you buy. Advertisement ### 4\. Missed departure There will be additional expenses if you miss your departure due to situations outside your control. A good travel insurance policy would cover this. Reasons for missed departure could include your car breaking down or being involved in an accident. Leaving home at the last minute won’t count. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ### 5\. Delay This covers you for delays to your travel plans, such as severe weather conditions. Delays known about before (such as strikes) won’t be covered. ### 6\. Baggage cover This should cover you if your baggage is lost, stolen, damaged or destroyed. You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items. Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage. ### 7\. Personal liability cover This should cover you if you are liable to pay damages due to: - Accidental bodily injury to someone - Or for loss or damage to someone else’s property - Claims made by family members or employees won’t be covered [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## What extra cover can you buy? To provide a peace of mind you might be able to add the following on to your policy too: - Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy - Gadget insurance – While you’re abroad you might want to cover your laptop, phone, or tablet from theft or damage - Golf equipment cover – Consider cover for your clubs and other equipment if it is lost, stolen, or accidentally damaged ## What is not covered by travel insurance? Travel insurance won’t cover you for a risk that is known about. For example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs. - [What does buildings insurance cover and do I need it?](https://www.thetimes.com/financial-partners/insurance/article/what-does-buildings-insurance-cover-and-do-i-need-it-2pvhqnccx) Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected. Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage, or if a claim is related to alcohol or drugs. Risky activities are also excluded from most standard polices – this could be anything from horse riding to mountain climbing or skiing. Generally you’ll be able to find an add-on or upgrade the policy to cover many of these – winter sports cover if you’re skiing, for example – but make sure to check. Each policy will have specific things it won’t cover, and these will vary depending on the provider. So it’s important to read the terms and conditions carefully. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## Do I need travel insurance? Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits, such as cover for medical emergencies. The cost of overseas medical treatment can really add up, especially when you include repatriation to the UK. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000, which was paid in full by their travel insurance provider. You also need to think about how much it would cost to pay out for your luggage and belongings if they were lost, stolen or damaged and also what you might stand to lose if your holiday company went bust before you made the trip. These costs would all be covered through your travel insurance policy. ## How to buy travel insurance You can buy a travel insurance policy directly from an insurer, or you can go through a comparison website. It’s sometimes easier to use a comparison website as it will quickly show you a range of potential policies to choose from. If you have an existing health condition, you’re going on a trip which will include activities not covered on a basic policy, or you’re aged 65 or older, you may need a specialist insurer. There is a list of these on the British Insurance Brokers’ Association (BIBA) website. Saga is a provider of travel insurance for the over-50s. Your premium will depend on a range of factors such as your age, health, type of policy and destination. This is why an average travel insurance premium will probably be meaningless, so make sure you do your research and get a quote from several different providers before deciding on a policy. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## When to buy travel insurance It’s a myth that you can buy cheaper travel insurance closer to your departure date. Buying an insurance policy while you’re already away can also invalidate the policy. - [The best pet insurance providers](https://www.thetimes.com/financial-partners/insurance/article/the-best-pet-insurance-providers-7zcpp6wmn) Plus, the longer you have travel insurance the more protection you can enjoy. For example, if your flight is cancelled two days before you were set to depart – and you were waiting until the day before flying to buy your policy – you won’t be able to make a claim. You can buy travel insurance any time after you have planned your trip. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) [Times Financial Partners](https://www.thetimes.com/financial-partners) [Insurance](https://www.thetimes.com/financial-partners/insurance) Share ### Share this article [Email](mailto:?body=https%3A%2F%2Fwww.thetimes.com%2Ffinancial-partners%2Finsurance%2Farticle%2Fthe-best-travel-insurance-providers-jx2kk72h2 "Share by email") [Twitter](https://twitter.com/intent/tweet?text=Shared%20with%20you%20by%20a%20Times%20subscriber.%0A%0AEnjoy%20this%20article%20for%20free.%0A%0Ahttps://www.thetimes.com/financial-partners/insurance/article/the-best-travel-insurance-providers-jx2kk72h2 "Share on Twitter") [Facebook](https://www.facebook.com/sharer/sharer.php?u=https://www.thetimes.com/financial-partners/insurance/article/the-best-travel-insurance-providers-jx2kk72h2 "Share on Facebook") Link Save ### Related articles [![The best pet insurance providers](https://www.thetimes.com/imageserver/image/506b0bfa-e0c1-472c-a81e-a5cc4be0bd3a.jpg?strip=all&format=webp&crop=8600px%2C4837px%2C0px%2C447px&resize=750) times financial partners The best pet insurance providers September 15, 2025, 11.12am Michael Brown](https://www.thetimes.com/financial-partners/insurance/article/the-best-pet-insurance-providers-7zcpp6wmn) [![Holiday home insurance explained](https://www.thetimes.com/imageserver/image/9f92dd53-b486-41aa-b157-c1232d503253.jpg?strip=all&format=webp&crop=4287px%2C2411px%2C0px%2C217px&resize=750) times financial partners Holiday home insurance explained August 18, 2025, 10.22am Faith Archer](https://www.thetimes.com/financial-partners/insurance/article/holiday-home-insurance-explained-gz2z02w66) [![What does buildings insurance cover and do I need it?](https://www.thetimes.com/imageserver/image/865e27fd-af90-4ed3-b96d-225ebb08a96b.jpg?strip=all&format=webp&crop=8660px%2C4871px%2C0px%2C450px&resize=750) Times Financial Partners What does buildings insurance cover and do I need it? 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Readable Markdown	times financial partners ![Woman pulling suitcase in airport terminal.](https://www.thetimes.com/imageserver/image/77402c5a-de5c-426a-8beb-4cc4565e54d9.jpg?strip=all&format=webp&crop=8256px%2C4644px%2C0px%2C430px&resize=2360)Getty Michael Brown and Georgie Frost Monday September 15 2025, 11.37am BST, The Times \This article contains affiliate links that will earn us revenue.* Travel insurance could save you from an expensive disaster when holidaying abroad. We explain what to look out for when picking a policy and some of the best travel insurance providers on the market. ## What is travel insurance? Travel insurance is a policy that people take out prior to going abroad to cover them for the potential cost of any unexpected events. Insurers require details of the individual including age, existing health conditions and where they are travelling to (which continent or countries). They will also ask if the traveller intends to take part in adventurous or winter sports. This determines the price of the policy. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## What are the different types of travel insurance? Travel insurance policies can be for an individual or for a group, such as a family. Policies will either cover you for: - A single trip — Covers you for one trip of a specified length only - Annual multi-trip — Covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies) - [How to make car insurance cheaper for new drivers](https://www.thetimes.com/financial-partners/insurance/article/how-to-make-car-insurance-cheaper-for-new-drivers-jwgmmpjz7) And the regions that travel insurance cover: - Europe only - Worldwide, including the US - Worldwide, excluding the US ## The best travel insurance Below we’ve listed some of the best travel insurance providers on the market. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Santander \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Benenden Health \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Stay Sure \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ### Coutts & Co \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ ## What does travel insurance cover? When shopping for travel insurance, you should ensure your policy comes with the following as standard: ### 1\. Medical expenses This would include emergency medical and surgical treatment while you’re away. It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included. Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ### 2\. Repatriation If you needed to be evacuated from the country you’re visiting, either in the event of a medical emergency or death, repatriation is usually covered as standard in most travel insurance policies. ### 3\. Cancellation/curtailment Coverage under cancellation or curtailment will vary from one insurer to the next, but typically it means if you have to cancel your trip for reasons outside your control, you would get back the cost (or some of the cost) of travel and accommodation costs already paid. Ensure you check the details of the specific policy before you buy. ### 4\. Missed departure There will be additional expenses if you miss your departure due to situations outside your control. A good travel insurance policy would cover this. Reasons for missed departure could include your car breaking down or being involved in an accident. Leaving home at the last minute won’t count. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ### 5\. Delay This covers you for delays to your travel plans, such as severe weather conditions. Delays known about before (such as strikes) won’t be covered. ### 6\. Baggage cover This should cover you if your baggage is lost, stolen, damaged or destroyed. You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items. Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage. ### 7\. Personal liability cover This should cover you if you are liable to pay damages due to: - Accidental bodily injury to someone - Or for loss or damage to someone else’s property - Claims made by family members or employees won’t be covered [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## What extra cover can you buy? To provide a peace of mind you might be able to add the following on to your policy too: - Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy - Gadget insurance – While you’re abroad you might want to cover your laptop, phone, or tablet from theft or damage - Golf equipment cover – Consider cover for your clubs and other equipment if it is lost, stolen, or accidentally damaged ## What is not covered by travel insurance? Travel insurance won’t cover you for a risk that is known about. For example, if you have a long-standing illness that means you can’t go on holiday, your insurer might not cover you for the cancellation costs. - [What does buildings insurance cover and do I need it?](https://www.thetimes.com/financial-partners/insurance/article/what-does-buildings-insurance-cover-and-do-i-need-it-2pvhqnccx) Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected. Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage, or if a claim is related to alcohol or drugs. Risky activities are also excluded from most standard polices – this could be anything from horse riding to mountain climbing or skiing. Generally you’ll be able to find an add-on or upgrade the policy to cover many of these – winter sports cover if you’re skiing, for example – but make sure to check. Each policy will have specific things it won’t cover, and these will vary depending on the provider. So it’s important to read the terms and conditions carefully. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## Do I need travel insurance? Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits, such as cover for medical emergencies. The cost of overseas medical treatment can really add up, especially when you include repatriation to the UK. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000, which was paid in full by their travel insurance provider. You also need to think about how much it would cost to pay out for your luggage and belongings if they were lost, stolen or damaged and also what you might stand to lose if your holiday company went bust before you made the trip. These costs would all be covered through your travel insurance policy. ## How to buy travel insurance You can buy a travel insurance policy directly from an insurer, or you can go through a comparison website. It’s sometimes easier to use a comparison website as it will quickly show you a range of potential policies to choose from. If you have an existing health condition, you’re going on a trip which will include activities not covered on a basic policy, or you’re aged 65 or older, you may need a specialist insurer. There is a list of these on the British Insurance Brokers’ Association (BIBA) website. Saga is a provider of travel insurance for the over-50s. Your premium will depend on a range of factors such as your age, health, type of policy and destination. This is why an average travel insurance premium will probably be meaningless, so make sure you do your research and get a quote from several different providers before deciding on a policy. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa) ## When to buy travel insurance It’s a myth that you can buy cheaper travel insurance closer to your departure date. Buying an insurance policy while you’re already away can also invalidate the policy. - [The best pet insurance providers](https://www.thetimes.com/financial-partners/insurance/article/the-best-pet-insurance-providers-7zcpp6wmn) Plus, the longer you have travel insurance the more protection you can enjoy. For example, if your flight is cancelled two days before you were set to depart – and you were waiting until the day before flying to buy your policy – you won’t be able to make a claim. You can buy travel insurance any time after you have planned your trip. [Compare the best travel insurance quotes with Quotezone, a whole of market insurance comparison engine](https://money-mentor-insurance.thetimes.co.uk/travel/index.php?id=387bde563717614c81c22e22a1565aaa)
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