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Compare Travel Insurance
We all love taking a well-deserved holiday, whether it’s backpacking through Australia or skiing down the black runs from dawn till dusk. But accidents can happen, especially if you love adrenaline fuelled holidays.
Fortunately, travel insurance helps you cover the cost of medical care abroad, in addition to stolen items and trip delays. Hundreds of companies are now providing travel insurance, offering a variety of benefits and even more restrictions, making it harder than ever to find the best cover for you. Unlike our competitors, Compare By Review doesn’t focus on the cheapest travel insurance. Instead, we rank our providers by customer experience so that you can find the best cover for you, wherever your destination.
Can’t see any travel insurance providers? That’s because we’re still working on this category. Our team are researching providers and calculating each individual CBR score so we can provide you a truly honest and impartial comparison of each insurance brand. In the mean time, here are the answers to some frequently asked questions about Travel Insurance.
Frequently Asked Questions
In 2016, 70.8 million UK residents visited overseas, with a staggering £370 million paid out that year in travel insurance claims. While you might think travel insurance is an unnecessary expense, the alternative can cost you dearly. The cost of hospital treatment in foreign countries is rising, with many uninsured tourists paying thousands of pounds when something goes wrong abroad.
If you have a medical condition or simply a lover of extreme sports, travel insurance is by far the best means of enjoying your holiday – without denting your finances if you fall ill. Cover can start from little as £4.79, giving you peace of mind in the event of an accident or sudden illness.
Like many insurance policies, travel insurance policies vary widely in terms of protection. Different policies offer different cover, depending on your where your going and who you’re going with. But as a general rule, they will usually cover you for the following:
- Cancellation or curtailment
- Lost or stolen baggage or belongings
- Personal liability
- Medical costs and repatriation
If you have a pre-existing medical condition, some travel insurers will not cover you. It is essential to find out whether any policy you are considering will provide you with sufficient protection if you have any health issues. Unless you have chosen a policy that covers winter sports such as skiing or snowboarding, travel cover will also exclude winter sports. Extreme sports such as bungee-jumping or skydiving also won’t be covered by most travel policies so remember to check the small print before planning any adventurous activities.
While insurance providers will usually cover the cost of cancellation if you are unable to go on your holiday due to illness or family bereavement, policies will not pay out if you cancel because the weather looks bad or because you decide you can’t afford to go.
Remember, travel insurance won’t protect you if you travel to a country that the government advises against visiting. You can check which countries are high risk at the Foreign and Commonwealth website at www.fco.gov.uk/travel.
The policy you need will vary depending on the type of travelling you’re doing. A couple of weeks by the beach, a skiing holiday or six months backpacking will all require different types of insurance. The most common types are as follows:
- Single Trip – Single trip travel insurance gives you the protection you need for one particular trip away. You’re trip will be covered for a host of circumstances, including cancellation, unforeseen medical costs and emergency repatriation.
- Multi-trip – Annual multi trip travel insurance covers you for a number of trips within a 12 month period. Insurers differ in terms of how many consecutive days they’ll provide cover for, so make sure you check the small print of your policy
- Worldwide – Worldwide travel insurance covers countries outside of the United States and European continent.
- Winter Sports – Winter sports travel insurance covers you if you’re injured on the slopes or if your ski or snowboarding equipment is lost or stolen.
- Couples – couples travel insurance covers both you and your partner while travelling abroad. To qualify for couples insurance you need to be two adults aged 18 or over who live at the same address and are in a relationship
- Family – family travel insurance cover is aimed at families travelling together, with the party usually consisting of two adults and up to four children under 18
When purchasing a travel insurance policy, you will need a policy with the right level of cover and inclusions for you. You should also be able to add extras to your policy for anything which isn’t included as standard, so always remember to read the small print.
We are the first and only comparison site that focuses and ranks providers exclusively on customer experience and product quality. we analyse thousands of real customer experiences to provide a simple, impartial comparison of travel insurers so you can purchase the right policy that works best for you.