Compare Travel Insurance

Compare travel insurance

	Provider	Online Discount	Max Age	Winter Sports	Max Trip Duration	Medical Cover
	AA Travel Insurance	10%*	79		185 days	£10,000,000	MORE INFO
	Free Financial Failure Holiday Protection - Voted 'Best Travel Insurance Provider' Consumer Moneyfacts Awards 2012 (*online discount for AA members)
	Barclays Travel Insurance	25%	79		365 days	£10,000,000	MORE INFO
	Just Travel Cover Travel Insurance	0%	No limit		365	£10,000,000	MORE INFO
	Cover for pre-existing medical conditions
	Debenhams Travel Insurance	10%	75		365 days	£15,000,000	MORE INFO
	FREE £5 Debenhams giftcard to spend in store if you purchase before 30th June 2013
	Post Office Travel Insurance	10%	No limit for single trip / 74 annual		90 days	£10,000,000	MORE INFO
	Liverpool Victoria Travel Insurance	15%	79		366 days	£10,000,000	MORE INFO
	John Lewis Travel Insurance	0%	86 single trip / 76 annual		6 months	£10,000,000	MORE INFO
	Travel Insurance Web	0%	84 single trip / 74 annual		365 days	£10,000,000	MORE INFO
	JS Insurance Travel Insurance	0%	80		18 months	£10,000,000	MORE INFO
	Saga Travel Insurance	up to 5%	No limit		90 days	£10,000,000	MORE INFO
	Insure For Travel Insurance	varies	79		18 months	£10,000,000	MORE INFO
	Go Travel Insurance	0%	99 single trip / 70 annual		365 days	£10,000,000	MORE INFO
	MORE THAN Travel Insurance	0%	79		548 days	£10,000,000	MORE INFO
	Insurefor Travel Insurance	0%	79		365 days	£10,000,000	MORE INFO
	Oinc Travel Insurance	up to 15%	79 single trip / 45 annual		365 days	£10,000,000	MORE INFO
	easyJet Travel Insurance	0%	64		45	£15,000,000	MORE INFO
	American Express Travel Insurance	5%	79		730 Days	£15,000,000	MORE INFO
	Virgin Money Travel Insurance	varies	No limit for single trip / 74 annual		365 days	£10,000,000	MORE INFO
	Marks and Spencer Travel Insurance	15%	No limit for single trip / 80 annual		183 days	£10,000,000	MORE INFO
	Staysure Travel Insurance	0%	85		18 months	£10,000,000	MORE INFO
	O2 Travel Insurance	0%	79 single trip / 69 annual		180 days	£15,000,000	MORE INFO
	ETA Travel Insurance	0%	75		60 days	£10,000,000	MORE INFO
	Up to 25% discount for not flying
	Sainsbury's Travel Insurance	up to 25%	79 single trip / 74 annual		365 days	£10,000,000	MORE INFO
	Up to 25% off for Nectar card holders. 20% online discount even if you don't have a Nectar card.

Travel insurance

If you're planning to travel abroad for your holidays, for work, or for any other reason, travel insurance is a must. For a relatively low cost, you can get covered for a myriad of different misdemeanours that may befall you, including lost luggage, theft or breakages of possessions, cancelled trips and more.

The cost of travelling might be enough to convince some people to take a chance and not take out an insurance policy. Know Your Money's advice is to never take this risk. If you have an accident while you're in a foreign country your medical bills could be astronomical. Even basic treatments are expensive; any emergency operations or longer term affairs could be huge. If you can't afford to pay, the chances are you won't get treated. A decent insurance policy would also cover any special travel arrangements that would need to be made to repatriate you should you need them.

There are a whole host of different travel insurance options on the market, from a plethora of providers. To make it easier for you to compare them and get the cheapest and best deal for you, Know Your Money hosts a range of the leading deals right here on our comparison tables.

So how do you find the cheapest deal?

Travel insurance can be brought as a single trip policy. However, if you travel often, a cheaper option might be to buy multi-trip or an annual policy. By taking out travel insurance for the whole family on the same policy, you may also be able to save.

Other things to check include the excess you'll have to pay in the event that you have to make a claim; the circumstances that you are covered for; and any exclusions which might apply. For instance, if you take out generic annual cover, check that it is valid for the places you are likely to travel to.

Also check the maximum amount that you will be able to claim for. This will usually be in the millions, which would almost certainly be enough to cover the contents of your suitcase but might not go far in a severe medical emergency.

If you are planning to undertake some of the more risky pursuits whilst on holiday, you may need a specialist policy. Extreme sports, for instance, are included in some of the more premium covers, but are often left out with the cheaper deals.

It's also important to make the insurer aware if you have any pre-existing medical conditions. Declaring them may make it harder to get cover and will almost certainly mean you'll pay more, but not doing so could invalidate your policy and render it useless.

It's worth checking out what your bank account provides before you take out a deal. Often the premium current accounts with a monthly or annual fee include annual travel insurance as one of the perks.

Want more information on travel insurance products and how they work before you look to compare? Click here for Know Your Money's impartial and informative guide.

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