Travel Insurance

Travel Insurance

Holiday & Travel Insurance

If you are going on holiday, travel insurance can give you financial peace of mind should something unexpected happen.

Protect yourself and your loved ones with Travel insurance

Travel Insurance cover

  • Up to £10 million - emergency medical expenses cover

  • Up to £10,000 - cancellation cover

  • Up to £3,500 - baggage Cover

  • 3 Levels of Cover - for all budgets and requirements

  • Excellent value for money - great prices without sacrificing cover

  • Kids go free - even better value for families

  • Holiday financial protection - keeping your money safe

  • 24/7 emergency assistance - helping you through the most difficult times

  • 14-day money back guarantee - so you can make sure the policy is right for you

  • 100s of activities and medical conditions - covered as standard

Holiday and Travel Insurance

Travel Insurance offers a range of different policies depending on the type of holiday you are taking, such as short stay cover, annual multi-trip insurance and long stay policies (Standard and Prime levels of cover only) for those people going abroad for several months.

Cover is available for cancellation and curtailment including cancellation cover as a result of COVID-19, emergency medical expenses including additional travel and accommodation expenses in respect of COVID-19, baggage, travel delay, missed departure, personal accident and much more.

Each of our policies gives you fantastic levels of cover at an affordable price . Compare travel insurance levels of cover in the summary table* below to help you decide what level of cover is best for your holiday requirements.

Benefits Schedule Standard Prime Black
Section of Cover Limit Excess Limit Excess Limit Excess
Cancellation £1,000 £75 £5,000 £50 £10,000 £50
Emergency Medical Expenses £5 Million £75 £10 Million £50 £10 Million £50
Baggage £1,250 £75 £2,500 £50 £3,500 £50
Holiday Financial Protection Nil Nil £1,500 Nil £3,000 Nil

Short Stay Travel Insurance

  • Great Value - 2 weeks cover from £25
  • Kids go free - Great value for families
  • No maximum age - Cover to suit all
  • Maximum duration - 62 days (31 if aged 75+)

Long Stay Travel Insurance

  • Ideal for backpackers, Gap years and other long term trips
  • Trip duration - Between 2 - 18 months
  • Flexible - Up to 2 weeks break for visits home
  • Maximum age - 59 (at departure date)

Get your free quote today

Annual Multi Trip Travel Insurance

  • Unlimited number of trips - Within a year
  • Winter Sports - Included as standard
  • Family cover - Cover for dependants under 18
  • Maximum age - 74 (at start of policy)
  • Maximum duration - 45 Days (31 days if aged 70-74)
holiday insurance

What is Travel Insurance and What Does it Cover?

While going on holiday should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen. Travel Insurance is designed to give you financial peace of mind that you are covered should something unexpected happen, so you are not left out of pocket, in the event of a valid claim.

Travel Insurance Benefits

The following summary of travel insurance benefits are just some of the areas of cover included as standard across all levels of cover on our Insurance policy.

Cancellation or Curtailment

A Cancellation is where you are unable to start your trip, due to an insured reason. A Curtailment is where you have to end your trip earlier than expected, due to an insured reason.

This section provides cover for any unused and non-refundable travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid, or where there is a contract to pay if it is necessary to cancel or curtail the planned trip because of any of the events specified in the policy wording.

Emergency Medical Expenses

Medical treatment in other countries can be very expensive. This section covers the cost of emergency medical treatment, outside your home country if you’re injured or suffer unexpected illness including with symptoms of or testing positive for COVID-19 during your trip, in line with the policy terms, conditions and exclusions. Cover also includes the cost of repatriation back to your home country if medically necessary.

Please Note: If you have pre-existing medical conditions and would like cover in case you need emergency medical treatment related to them, you will need to complete a medical screening to see if cover is available and pay the appropriate additional premium.

Missed Departure / Journey Disruption

Cover for additional travel and accommodation expenses in the event you miss the departure of your public transport for your trip, due to a specified reason as defined in the policy wording.

This section also covers, in the event of a Catastrophe (as defined in the policy wording), if you are forced to move from your pre-booked accommodation to allow you to continue your trip.

These are a few of the reasons why getting travel insurance is a good idea before you travel so that you are not left out of pocket should the unexpected happen. Furthermore, Travel Insurance has a wide range of features and benefits, which are just not available on cheaper products, see the policy wording for full details.

Baggage

Covers the loss, theft or damage to your baggage, meaning: personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip, as well as your valuables as defined in the policy wording.

Please Note: Your gadgets may not fall under the Baggage definition in the policy wording and you may need to also purchase the gadget cover Option to cover them.

Personal Accident

In the event of a serious accident from which you suffer life changing injuries during your trip the policy will provide cover in the event of your death or permanent disablement because of the accident. Please refer to the policy wording for full details on this area of cover.

Please Note: Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Expenses section.

Travel Delay

No one likes to be delayed when travelling!

So Travel Insurance cover is available if the public transport (meaning any aeroplane, ship, train or coach) that you are booked to travel on is delayed by at least 12 hours. If your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip under the Cancellation or Curtailment section of cover.

What is the Best Travel Insurance?

There is no such thing as a ‘one size fits all’ travel insurance policy. The best travel insurance is different for every individual’s holiday requirements and some times the cheapest travel insurance is not always going to be suitable for your needs. You should always read the policy wording before buying your travel insurance to make sure that it meets your unique requirements.

Our Travel Insurance has 3 levels of cover and a number of additional options making it a flexible travel insurance product that meets a wide range of budgets and requirements.

What else does Travel Insurance Cover?

If you are going skiing or snowboarding, you can add winter sports cover to your single trip (max. 31 days trip duration) or long stay (max. 31 consecutive days) policy. With an annual multi-trip policy, you are automatically covered for 21 days winter sports as standard.

Voyager travel insurance can cover a wide range of sports and activities, some, however, may require an additional premium in order to be covered by your travel insurance policy.

Full policy definitions, terms, conditions and exclusions for Voyager Plus Travel Insurance can be found in the Policy Wording.

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The Health Insurance Group have teamed up with Voyager Insurance to provide Instant Online Travel Insurance cover.

Click the button to use the Voyager Online Quote system.