1Correct as of June 2025
Exactly what's covered varies between policies and insurers. So, it's important to check the policy documents before you buy insurance to make sure you're getting the right cover for you. But here's what you can typically expect from travel insurance:
There are also some restrictions to look out for, such as:
A typical travel insurance policy won't cover everything. But, you can choose to add extra cover to tailor your insurance to your holiday. These come at an added cost, so make sure you carefully consider whether you need them. Let's take a look at some of the policy add-ons you can opt for.
There are a few things you can do to try and find cheap travel insurance:
Not all travel insurance policies cover the same things. You might find your chosen policy includes cover that others don't. Read your policy documents carefully to understand what's included before you add extra cover.
Planning to take a few different holidays this year? Annual travel insurance might be cheaper than buying separate single-trip policies for each trip you're going on.
Travelling with the rest of the family? It might work out cheaper to take out family travel insurance, compared to each person having their own policy. You also have the option of couples travel insurance and group travel insurance.
The easiest and fastest way to find cheaper travel insurance is to compare quotes. When you know what cover you want, shop around and compare quotes to find suitable cover at the best price possible.
We take a look at what the medical cover section of your travel insurance policy covers.
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There are several types of cover to choose from, each designed to suit a different type of trip. They include:
The European Health Insurance Card (EHIC) and its replacement, the Global Health Insurance Card (GHIC) aren't substitutes for travel insurance.
The EHIC and GHIC allow you to access state-level healthcare in participating countries. THis means you pay the same price as a citizen of the country you're in. Travel insurance can cover these medical bills.
Travel insurance also covers much more than the EHIC and GHIC. For example, as well as medical treatment, travel insurance can cover lost luggage, travel cancellation and repatriation.
Most standard over 50s travel insurance policies allow travel for up to 120 days. But this will vary depending on the policy. If you want to go on a longer trip, you might need long stay travel insurance.
Some providers might impose shorter trip lengths as you get older. Check your policy details to make sure you're covered for your whole trip.
It will cover you for any holidays that you've got planned in Europe this year.
Means you can get one policy that covers everyone, rather than buying individual policies.
Are you a sports fan planning to catch your favourite events overseas? Find out how to choose the best insurance for your needs.
We discuss whether travel insurance covers natural disasters, and what to do if you're faced with one during a trip.
We take a look at what the medical cover section of your travel insurance policy covers.
Baggage cover protects you against loss, damage or delay of your luggage while you're travelling.
Medical repatriation covers the costs of getting you home for treatment following an illness or injury abroad. Here's what you should know about it.
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