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Choose the policy that suits you
Exactly what's covered varies by provider. Some offer different levels of cover, so you can choose a policy that's best suited to your needs and budget. Higher levels of cover generally come at a higher cost, so it's important to check policy details before you buy travel insurance.
Typically, annual holiday insurance covers:
"If you've got a few holidays planned for the year, an annual travel policy is a great way to make sure you're covered. This can save you time and hassle as opposed to buying individual policies, and potentially help save you money.
"It also means you only need to keep track of one set of policy documents. With annual travel insurance, you could even book a last minute trip and be covered. But it's always worth comparing prices to make sure it's the right option for you."
The European Health Insurance Card (EHIC), and its replacement the Global Health Insurance Card (GHIC), aren't a substitute for travel insurance. They provide you with access to state-level healthcare in the EU and Switzerland at the same cost of someone living there. This means if you're travelling to a country where citizens pay for healthcare, you're also expected to pay. Travel insurance can cover these costs.
Travel insurance also covers more scenarios. For example, if you lose luggage, your flights are delayed, or you need emergency medical treatment while travelling outside the EU, travel insurance covers you. But a EHIC or GHIC can't help you in these situations.
It's important to have a valid EHIC or GHIC though. Many providers require them to be used alongside travel insurance when receiving emergency medical treatment.
Most providers have a limit of 31 days per trip, however it's possible to find policies that allow trips up to 45, 60 or 90 days.
Some providers impose upper age limits though, so you might find that the length of trip you're covered for reduces as you get older.
To find out how long you're covered for, check your policy details.
Yes, you can normally travel separately with a joint annual travel insurance policy. So, if one of you is going away for a weekend, or wants to visit friends or family abroad, you should still be covered.
You should always check your policy documents to make sure you're covered.
Yes, you're normally covered for trips within the UK. However, some policies have requirements for the trip, like:
If you're planning a UK trip and you want to make sure it's covered, check the policy details before buying your insurance.
means you can get one policy that covers everyone, rather than buying individual policies.
is the perfect policy for those who plan to travel for an extended period.
Page last reviewed: 07 May 2024
Reviewed by: Alvaro Iturmendi
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