Travel Insurance
.png){kind=small}
What is Travel Insurance?
Travel insurance provides you with coverage against a variety of unexpected situations, ensuring that you're not left out of pocket when things go awry.
Whether you’re planning a single trip or need coverage for multiple journeys throughout the year, I'm Insured is here to help you find the best travel insurance options. We work with over 35 top UK-based insurance specialists to bring you competitive rates and comprehensive coverage.
Medical expenses abroad can be incredibly costly and may lead to significant financial strain. Having travel insurance in place ensures you're protected against these expenses, giving you peace of mind while you enjoy your travels.
UK-based experts can help explain how it all works
What Does Travel Insurance Cover?
Medical Expenses
If you experience a medical emergency or fall ill while abroad, you can claim the cost of treatment from overseas healthcare providers.
Cancellation Cover
Protects you against financial loss due to last-minute cancellations caused by illness, injury, or bereavement.
Lost Baggage
Reclaim the value of your baggage if it’s lost, stolen, or damaged during your trip.
Travel Disruption
Covers you for cancelled or delayed flights and other disruptions beyond your control.
Emergency Repatriation
Should you or a family member need emergency medical repatriation, travel insurance covers these costs, including repatriation in the unfortunate event of death abroad.
Legal Protection
Provides coverage for emergency legal services abroad, and in cases of lost documents like your passport.
What Isn't Covered by Travel Insurance?
Missed Flights
If you miss your flight due to lateness or failure to show up, this expense won't be covered.
Changing Your Mind
Deciding to cancel your trip without a valid reason such as illness or bereavement isn’t covered.
Pre-existing Medical Conditions
Standard travel insurance typically doesn't cover pre-existing conditions unless declared and accepted by your insurer. Failing to declare these conditions may result in your cover being voided.
Drug and Alcohol Incidents
Injuries or accidents occurring under the influence of drugs or alcohol are not covered.
Adventure/Extreme Sports
Activities like white-water rafting, racing, and rock-climbing are usually deemed high-risk and are not covered under standard policies.
Travel Against Official Advice
If you travel to a destination against Foreign, Commonwealth, and Development Office (FCDO) advice, you may not be eligible for coverage.
Different Types of Travel Insurance
-
Single Trip Travel Insurance:
Provides coverage for a single journey. Coverage duration is typically flexible, but insurers may impose limits. -
Annual Multi-Trip Travel Insurance:
Ideal for frequent travelers, this policy covers multiple trips, usually up to 28 days each, over a 12-month period. -
Backpacker Insurance:
Designed for prolonged trips across multiple countries, often available for couples, families, or groups. -
Worldwide Travel Insurance:
Covers destinations outside Europe, with options to include or exclude the USA, Canada, and the Caribbean, depending on your travel plans. -
European Travel Insurance:
Generally cheaper and covers destinations within continental Europe, and sometimes nearby non-European locations like Turkey or Tunisia.
How Much is Travel Insurance?
The cost of your travel insurance depends on factors like trip duration, destination, level of coverage, and any add-ons. While finding a good deal is important, the best travel insurance isn’t always the cheapest. When comparing quotes, make sure the policy offers all the coverage you need at a competitive price.
Travel Insurance with Pre-Existing Medical Conditions
For those with pre-existing conditions such as diabetes or chronic illnesses, it’s crucial to ensure these are covered by your travel insurance to avoid being at risk if treatment is needed abroad. I'm Insured helps you find the right policy that includes coverage for pre-existing conditions.
-
Declare All Conditions:
Failing to declare any medical condition, no matter how minor, can lead to your policy being rejected when making a claim. -
Special Coverage Options:
Some insurers offer coverage for pre-existing or terminal conditions, although this may come at a higher premium.
Holiday Insurance Upgrades
Everyone’s travel plans are unique. I'm Insured offers a range of policy upgrades to ensure your holiday is fully covered.
-
Trip Disruption Cover:
Protects against delays and disruptions caused by natural disasters, terrorism, Covid-19, and other unforeseen events. -
Excess Waiver:
Reduces or eliminates excess fees in case of a claim, for an additional premium. -
Adventure/Winter Sports:
For those participating in extreme sports like skiing or rock-climbing, specialist cover is available. -
Trip Extension:
Extends coverage beyond the standard 28 to 31 days, up to 60 days. -
Cruise Cover:
Protects against issues specific to cruises, such as cabin confinement or itinerary changes. -
Missed Departure:
Covers missed flights due to public transport delays or other non-medical reasons. -
Travel Gadget Insurance:
For valuable gadgets like phones, laptops, and tablets, check your policy or consider specialist insurance.
How to Get Affordable Travel Insurance
Follow these tips to maximize your van insurance savings:
-
Compare Travel Quotes:
By comparing travel insurance options with I'm Insured, you can find the right coverage at the best price. -
Choose the Right Coverage:
Tailor your policy to your travel needs. For example, if you travel frequently, an annual multi-trip policy might offer the best value. -
Increase Your Excess:
Opting for a higher excess can reduce your premium, but make sure it’s an amount you can afford if you need to make a claim.