In this article, we will look at the leading travel insurance options in the UK. It does not matter if it is a short trip or a long-term excursion, having the correct travel insurance is an essential prerequisite for relaxed travel.
I will highlight the major providers offering complete medical protection, trip cancellations, baggage loss, and dependale coverage suitable for varying travel requirements.
key Points & Best Travel Insurance In The UK List
| Travel Insurance Provider | Key Points |
|---|---|
| Allianz Assistance | Offers a wide range of policies, including single trip and annual cover. Known for strong customer service and 24/7 assistance. |
| Aviva Travel Insurance | Provides extensive coverage options, including medical, trip cancellation, and baggage loss. Available with discounts for existing Aviva customers. |
| AXA Travel Insurance | Comprehensive coverage options for both single and annual policies. Includes cover for cancellations, medical emergencies, and lost luggage. |
| Post Office Travel Insurance | Known for competitive pricing, offering coverage for medical, cancellations, and lost items. Also provides multi-trip options. |
| Staysure Travel Insurance | Specializes in cover for over 50s, with policies tailored for older travelers. Extensive medical coverage options. |
| InsureandGo | Provides affordable policies with good coverage, including options for pre-existing medical conditions. Offers single, annual, and long-term policies. |
| LV= Travel Insurance | Offers comprehensive coverage with options for cancellation, baggage, and medical emergencies. Available for both single and multi-trip travelers. |
| Coverwise Travel Insurance | Offers affordable and flexible policies with options for medical emergencies and trip cancellations. Provides multi-trip policies. |
| Columbus Direct | Known for providing a range of policies for different types of travelers, including backpackers and ski enthusiasts. Coverage for medical and cancellations. |
| Virgin Money Travel Insurance | Includes a variety of policies with cancellation, medical, and baggage cover. Known for competitive pricing and flexible coverage options. |
10 Best Travel Insurance In The UK
1.Allianz Assistance
In the United Kingdom, Allianz Assistance is regarded highly as a provider of travel insurance thanks to the numerous policies available to cater for a travelers requirements.
Allianz covers medical expenses, trip cancellations, lost baggage, 24hr emergency assistance and more, ensuring that travelers are always at peace of mind.
The company provides customer service that is quite dependable, ensuring that claims are processed without delay. Be it for business travel, leisure trips or even extended travel, there are plans specially designed to cater for single trips, annual plans and even family coverage.
Their policies offer robust protection which is the reason why most travelers in the UK prefer Allianz Assistance.
| Feature | Description |
|---|---|
| 24/7 Emergency Assistance | Provides round-the-clock help in emergencies. |
| Comprehensive Medical Cover | Covers emergency medical expenses abroad. |
| Trip Cancellation and Baggage Loss | Covers trip cancellations, delays, and lost luggage. |
| Flexible Coverage Options | Available for single trips, annual cover, and family policies. |
2.Aviva Travel Insurance
Aviva Travel Insurance has one the best travel insurance services in the UK as it offers extensive coverage for almost all types of travel scenarios. Their policies consist of medical emergencies, trip cancellations, luggage loss, and many more.
Aviva is known for her flexible plans like single trip, annual, and family plans, which aid the clients to choose the plan most suitable to their travel needs.
Customers enjoys Aviva benefits with regard to customer service as well as quick claim settlements. Besides, it is a good option for comprehensive travel insurance because Aviva policyholders or people buying several products get discounts which makes the policy inexpensive.
| Feature | Description |
|---|---|
| Extensive Medical and Cancellation Cover | Includes cover for medical emergencies, trip cancellations, and lost baggage. |
| Discounts for Existing Customers | Special discounts available for Aviva customers with other policies. |
| Flexible Plan Options | Offers single-trip, annual, and family plans. |
| 24/7 Assistance | Provides emergency help anytime, anywhere. |
3.AXA Travel Insurance
AXA Travel Insurance is one of the preferred insurers for travelers in the UK since it has extensive coverage for different requirements.
Travel medical emergencies, lost baggage, trip cancellations and a lot more are covered by their policies letting you travel without any worries.
AXA has single trip and annual plans which suit different types of travelers. They are also well rated for customer service, providing help when you need it most as they offer 24/7 emergency assistance.
Their competitive rates with flexible plans available make AXA Travel Insurance one of the most reliable insurers for UK Travelers.
| Feature | Description |
|---|---|
| 24/7 Emergency Support | Available for emergency medical assistance and general inquiries. |
| Comprehensive Coverage | Covers medical emergencies, cancellations, lost baggage, and more. |
| Options for Single and Annual Trips | Policies available for both single and multi-trip travelers. |
| High Medical Cover Limits | Up to £10 million in emergency medical coverage, depending on the plan. |
4.Post Office Travel Insurance
Post Office Travel Insurance is a trusted service for UK travelers since it provides great coverage at a low price.
Their policies take care of both medical emergencies as well as trip cancellations alongside lost baggage and much more, ensuring that travelers are safe during their adventures.
With single, annual, and family policies, Post Office offers variety that’s accessible to many. The company is well-known for its low prices, ease of purchase, and excellent customer service.
They also provide 24/7 emergency assistance, comprehensive travel insurance, and easy Post Office Insurance claims, making them a reliable choice for travelers.
| Feature | Description |
|---|---|
| Competitive Pricing | Offers some of the most affordable plans in the market. |
| Medical Emergency and Cancellation Cover | Provides cover for medical expenses and cancellations. |
| Baggage Loss and Delay Protection | Covers lost or delayed baggage. |
| Multi-Trip Options | Available for frequent travelers with multi-trip insurance. |
5.Staysure Travel Insurance
Staysure Travel Insurance enjoys great popularity in the UK for their focus on customer service, value-for-money policies, and comprehensive travel coverage. Founded in 2004, Staysure focuses on travelers over fifty years of age, including those with pre-existing medical conditions.
Besides trip cancellation and baggage cover, Staysure offers up to unlimited medical emergency expenses. Importantly, there is no upper age limit for single or annual multi-trip policies.
Staysure also offers winter sports and cruise coverage as standard, and their Comprehensive and Signature plans are rated 5-star by Defaqto.
With over 400,000 reviews on Trustpilot awarding a score of 4.7/5, Staysure is well-recognized for competitive pricing and excellent customer service. They have also won multiple British Travel Awards for Best Travel Insurance Provider.
| Feature | Description |
|---|---|
| Specialized for Travelers Over 50 | Tailored plans for older travelers, including those with medical conditions. |
| Pre-Existing Medical Condition Cover | Includes coverage for many pre-existing conditions. |
| Comprehensive Medical Coverage | Covers emergency medical expenses with high limits. |
| Flexible Policy Types | Offers single-trip, annual, and long-term travel insurance. |
6.InsureandGo
As the first UK travel insurance provider without an age cap restriction, InsureAndGo is one of the leaders in the industry. Their policies cancelation, medical emergencies, baggage loss, and over a hundred other activities.
They also offer pre-existing medical conditions as well as emergency assistance 24 hours a day, with single-trip policies starting at £7 and annual multi-trip plans from £50.93.
More than 76K people have rated InsureandGo on Trustpilot and, on average, they score 4.8/5. With that, its evident that the company’s customer service and prices receive praise.
| Feature | Description |
|---|---|
| Affordable Coverage Options | Low-cost plans with essential coverage for medical emergencies, cancellations, and baggage. |
| No Upper Age Limit | Policies are available regardless of age. |
| Pre-Existing Medical Conditions | Covers many pre-existing medical conditions at no extra cost. |
| Multiple Plan Types | Single-trip, annual, and long-term policies available. |
7.LV= Travel Insurance
The LV= travel insurance company is one the most rated UK providers while also ensuring that they offer comprehensive policies. Their premier policy has a 5-start rating and encompasses emergency medical cover of up to 10 million, cancellation cover of 10,000 and cruise cover for annual policies.
Policies have the flexibility to be single trip or annual, with no age limit to single trip policies. The company also assesses all pre-existing medical conditions which ensures their policies are fairly accessible. Customers have rated LV= handsome with a score of 4.7 out of 5 based on a thousand independent reviews.
| Feature | Description |
|---|---|
| 5-Star Rated Policies | Policies rated highly by Defaqto for comprehensive coverage. |
| £10 Million Emergency Medical Cover | Covers up to £10 million for emergency medical expenses. |
| Trip Cancellation and Baggage Cover | Includes cancellation protection and coverage for lost baggage. |
| Cruise Cover | Automatic inclusion of cruise-related coverage in annual policies. |
8.Coverwise Travel Insurance
CoverWise offers competitive priced insurance policies for UK citizens. Each policy has important features such as trip cancellation, emergency medical fees, and constant medical support. Coverwise provides multiple levels of policies from Standard to Platinum, helping travelers choose what works best with their requirements and expenditure.
Coverwise has partnered up with AXA Group which provides Inter Partner Assistance as their underwriter. This guarantees aid when it is required most.
They also automatically provide insurance for more than 100 sports and activities. Customers have rated CoverWise quite positively for providing efficient services at an affordable price.
| Feature | Description |
|---|---|
| Flexible Policy Levels | Options ranging from Standard to Platinum for varying needs and budgets. |
| Covers 100+ Activities | Includes protection for over 100 activities, including adventurous sports. |
| 24/7 Emergency Assistance | Provides around-the-clock support for medical or other emergencies. |
| Budget-Friendly Options | Offers competitive pricing for essential coverage. |
9.Columbus Direct
Columbus Direct is a frontrunner in travel insurance in the UK. They have three packages: Bronze, Silver, and Gold. Each package offers comprehensive cover starting from cancellation cover of up to £5000.
They also offer complimentary coverage for more than 150 sports and activities and have policies for special need winter sports, backpacker, and cruise insurance.
Columbus Direct allows great flexibility with policies for trips lasting up to 365 days. Customers give them an average rating of 3.75★ on Smart Money People, based on 10,873 reviews from TrustPilot and other sites.
| Feature | Description |
|---|---|
| Policies for Various Travel Types | Offers policies for backpackers, ski enthusiasts, and general travelers. |
| Covers Winter Sports and Cruises | Includes coverage for winter sports, cruises, and more. |
| Trip Cancellation and Medical Cover | Comprehensive cover for trip cancellation, emergency medical costs, and baggage loss. |
| Single and Annual Options | Available for both single-trip and annual multi-trip travelers. |
10.Virgin Money Travel Insurance
Virgin Money provides extensive travel insurance for domestic travelers with options for single trips and annual multi-trip plans. customers can choose cover levels Red, Silver, and Gold which differ in excess amounts and coverage limits.
The highest tier, Gold, provides up to £15 million for emergency medical expenses and covers trip cancellations, baggage loss, and COVID-19 related incidents.
Additional winter sports and cruise coverage are available. Policies are underwritten by Great Lakes Insurance UK Ltd, while adminstration is provided by Hood Travel Ltd.
| Feature | Description |
|---|---|
| Up to £15 Million Medical Cover | High limits for medical emergency expenses abroad. |
| COVID-19 Coverage | Includes coverage for COVID-19-related issues, such as trip cancellation or medical emergencies. |
| Flexible Coverage Options | Provides both single-trip and annual plans with various coverage levels. |
| Winter Sports and Cruise Cover | Optional add-ons for specialized travel like winter sports and cruises. |
Conclusion
In final thoughts, seeking providers like Allianz Assistance, Staysure, Aviva, and AXA makes sense as the best travel insurance in the UK due to their attentive customer service and extensive coverage.
No matter if you require medical coverage, trip cancellation, or even specialized winter sports or cruise coverage, these insurers will meet your needs with dependability and adaptability in policies.
