Travel Insurance

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Why Compare Travel Insurance Quotes With SimplyQuote

Whether you’re going on a short trip or wish to go around the world, travel insurance is really important. It protects you from several scenarios that may affect your health, well-being, possessions and bookings while traversing the globe.

SimplyQuote understands how overwhelming the travel insurance market can be, with hundreds of insurance providers, policies and levels of cover. All you want is to go on vacation – so let us take some stress off your shoulders.

Using the comparison tool you can quickly compare affordable travel insurance cover to find a policy that suits your unique travel needs.


Why Do You Need Travel Insurance ?

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What does Travel Insurance Cover?

Travel insurance will cover various events that can occur when you’re travelling. Most travel insurance policies will cover the following:

Medical treatment

Getting injured when you’re travelling can be a real nightmare. Most standard insurance policies will include medical cover, meaning the cost of emergency medical treatment will be paid for.


If you require emergency medical care and need to head home, travel insurance cover can include repatriation. This covers the cost of arranging travel to get you home safely and quickly.

Cancellation and travel disruptions

Unfortunately, cancellations and travel disruptions are a reality of travel – whether domestic or international. If you have to cancel your trip for a reason included in your policy, then cancellation cover allows you to claim the cost of the trip (depending on how much cover your policy provides).

Luggage and personal belongings

Have you ever gone to baggage claims only to discover your bag is not coming past on the conveyor belt? This is a terrible feeling, especially if you are travelling with valuable personal belongings.

Personal liability and legal expenses

An incident may occur while travelling that leaves you personally liable for the damage. You’re going to want to have cover for that.

Looking for the cheapest Travel Insurance? Get your quote today!

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What Is Not Covered By Travel Insurance?

There are always some scenarios not covered by standard travel insurance policies:

Pre-existing medical conditions

Standard travel insurance policies will not cover the medical costs of pre-existing issues. Insurance companies will consider you a greater risk to insure if you have a pre-existing medical condition.

Dangerous activities

We know that some of you are real daredevils and get a thrill from adrenaline-pumping activities like skydiving, rock climbing or cliff jumping.

Certain destinations

Insurance providers refuse to cover certain countries or destinations. It could be because of global events or upheavals that make these destinations unsafe to travel – putting you at greater risk of injury.

Claims due to excessive alcohol or drug consumption

If you claimed as a result of excessive alcohol or drug consumption, you’re unlikely to make a successful travel insurance claim. Your insurer will insist on seeing medical records that might indicate intoxication.


Terrorist attacks are often seen by travel insurance providers as being something out of anybody’s control, making it a risk for claiming.

Changing your mind or missing a flight

If you decide you no longer want to travel, or it’s your fault you missed your flight (like oversleeping or getting to the airport late), you won’t be compensated. Cancellation or trip disruptions will only be covered if situations are beyond your control.

What Type Of Travel Insurance Policy Do I Need

There are various types of policies to be aware of. The type you choose will depend on where you’re going, how you’re getting there, your health conditions, and the type of trip you’re planning.

Single trip cover

A single trip travel insurance policy usually lasts for an entire year, but will only cover one trip. The trip duration doesn’t matter – whether it is a few days or a couple of weeks.

This is one of the most common insurance policies to take out and is suited to those who don’t travel often and want a one-off cover option.

Annual multi-trip

Annual multi-trip policies are ideal for those who plan to vacation a few times a year. This insurance covers you for all the trips you plan on taking in a single year.

Most policies place a 30-day cap on the trip duration, but that’s still more than long enough for a standard traveller planning several trips for the year ahead.

It is a very popular cover option for avid travellers who don’t want to buy a new policy for each trip.

Worldwide cover

Worldwide travel insurance usually has two options:

  • Includes America, Canada and the Caribbean
  • Excludes these countries

If you don’t plan on travelling to these destinations, you don’t really have to get this type of policy. But, if you think you might want to travel to these countries in the coming year, it might be worthwhile getting this cover.

The reason that America, Canada and the Caribbean are specifically included in worldwide cover is because of the high cost of healthcare in these countries.


Backpackers travel insurance is similar to multi-trip cover as it will cover several backpacking trips across a single year (up to 18 months – depending on the policy).

This policy is a must-have for backpackers wanting to see the world. It caters to the unique needs of backpackers, such as travelling for a few months at a time, visiting multiple countries, and sometimes covering high-risk activities like scuba diving or hiking.

Group or family cover

Group or family travel insurance is perfect for insuring several members of a family or group under one policy. Should anyone in the group become injured or ill, they’ll be covered.

The only exception is if one member has a pre-existing condition – that person may have to take out their own policy.

Senior cover

Travel insurance cover for seniors is often more expensive since those in their golden years have a higher risk of injury or illness.

It’s not impossible to get good cover as a senior – you’ll just have to pay a bit more. Shopping around with the help of SimplyQuote can help you find affordable cover.

Pre-existing medical conditions

As mentioned, pre-existing medical conditions are not covered by standard policies, and you’ll have to get this cover specifically, which will bump up your travel insurance cost.

If you want to get this add-on, you need to let your insurer know about any medical conditions you have so they can include it in your policy.

If you don’t let them know, and your condition worsens while travelling, your treatment, medical bills or repatriation won’t be covered.

Cruise cover

Travelling on a cruise ship is a bit different than your standard holiday. The ship might miss a port stop due to bad weather, or an illness abroad can see you confined to your cabin. Cruise ships also tend to stop at several countries where you can get off.

Cruise travel insurance will cover these unique scenarios, and is a good idea to buy each time you go on a cruise.

Business cover

Travelling for work is different than travelling for pleasure, as you’re likely to have expensive technology and clothing with you. This cover will replace stolen or lost items (like a company laptop) and may also cover the cost of sending a colleague if anything happens to you and you can’t complete the trip.

Under 18s

If your child (under the age of 18) is travelling by themselves you can get specialist cover for them. One example is if your kid is going on a school trip out of town and you feel like the standard insurance policy under the school’s insurance is not sufficient.

They’ll be covered in terms of medical expenses, personal liability, cancellation or delays and lost possessions.

What Additional Cover Can You Add To Your Travel Insurance Policy?

If you read your policy details and notice something you need for your trip isn’t covered, you can add on additional cover so that all scenarios and activities you foresee for your holiday are covered completely.

Additional cover will increase the insurance cost, but is worthwhile.

Winter sports cover

Winter sports, like snowboarding and ice skating, are considered risky and are not usually covered by a standard travel insurance policy. If you love cooler climates and adventurous winter holidays, this add-on is worth it.

Ski holidays cover

Skiing is another risky winter sport, commonly causing injuries (especially if you’re inexperienced). Whether you’re a pro on the slopes or skiing for the first time, getting ski holiday insurance is a good idea. It will cover you if you need emergency help, like an air ambulance.

Extreme sports cover

Extreme sports are similar to winter sports but cover more activities. From scuba diving to horse riding and downhill cycling – if you plan on taking on these adrenaline-inducing activities, this add-on is a great idea in case of an accident.

Passport cover

Passport cover is important, especially since you need your passport to leave the country you’re visiting. If you’re someone who often misplaces your belongings, or you’ve lost your passport before, we’d strongly recommend you get this add-on. It will cover the cost of replacing a lost or stolen passport as well as accommodation if you miss your transport due to not having a passport.

Gadget cover

Most of us travel with some kind of gadget, like your phone, laptop or camera. Gadget cover is essential whether you’re away for business or pleasure.

It insures your cameras, laptops, drones, smartwatches and phones – items usually not included in a standard policy. However, if you have older gear that’s not worth much, this insurance add-on may be an unnecessary expense.

Golf cover

Replacing clubs and golf equipment can be very expensive. You might also become injured on the golf course, like if you get in a golf buggy accident. This type of cover is useful if you’re going away for overseas golfing holidays.

Travel disruption cover

Most standard policies cover travel disruptions or cancellations, but if yours doesn’t, then this is a good add-on to include. Whether the disruption is out of your hands (like protests or bad weather), or caused by you (like injury or illness), this cover will refund you or help you reschedule your trip without losing your booking fees

Terrorism cover

If you have to cancel your trip or leave a country because of a terrorist attack, you’ll be financially protected and will be able to recoup any losses from cancelled bookings, as well as book a flight and accommodation to escape the situation.

How Much Does Travel Insurance Cost?

Looking for the cheapest Travel Insurance? Get your quote today!

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How Can I Get Cheaper Travel Insurance?

Here are some ways in which you can save money on your insurance premiums.


Compare travel insurance policies

The best way to save money on your travel insurance is to use the comparison tool and let SimplyQuote provide you with cheaper travel insurance options that will still meet your needs.


Select the right policy

Consider the policy you’re taking out and your needs – in most cases, single trip cover will suffice if you don’t plan on taking several vacations during the year.


Opt for a family or group policy

If you’re travelling as a family or a group, you should opt for one of the policies that covers several people.


Consider the cover needed for your trip type

You should consider your trip itself. Are you doing extreme or winter sports, or spending a leisurely week in Paris? What you plan on doing during your trip will indicate which cover you require.

Read the policy details carefully and find a policy that meets your needs.


Don’t over-insure

You might be convinced to buy a whole lot of policy add-ons, but this will just increase your insurance costs. Consider your needs – like if you have pre-existing medical conditions or if you plan on doing extreme sports – and only add on what is necessary.


Find out if you’re already covered

Some banks or credit card companies will offer you travel insurance cover. You might also be covered for certain situations if you have a global health insurance card or a European health insurance card that will cover medical treatment in certain countries.

How To Choose The Right Travel Insurance Cover

How To Compare Travel Insurance Quotes with SimplyQuote

To help us help you, we require the following information:

  • Your personal details
  • How often you want to travel in the year
  • Duration of your trip(s)
  • Your destination
  • Purpose of the trip and what you want to do
  • Any medical conditions
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Frequently Asked Questions

Can I get travel insurance if I’m pregnant?

Yes, you can buy insurance if you’re pregnant. It is not seen as a medical condition that requires extra cover, and most insurance companies won’t care whether you’re pregnant or not.

Of course, there are risks involved when travelling while pregnant, especially as you’re nearing the birth date. Always check with your doctor before making travel plans to ensure it is safe for you and your baby.

When is the right time to take out a travel insurance policy?

Your insurance policy starts as soon as you’ve booked your trip (and not once you arrive at your destination as many people believe). That means that you should buy insurance at the same time as when you’re making your bookings so that you’re protected from before you depart.

What does excess mean in travel insurance?

Excess is the amount payable by you in the event of a claim. It is often also called a deductible.

Check the excess requirements of different policies before buying insurance to make sure it’s not too expensive.

Should I get travel insurance for domestic trips?

Although it is not a necessity or a requirement, as your medical treatment will be covered by the NHS, it can still be useful if domestic flights are cancelled or your possessions are stolen.

Can I get insurance when I am already travelling or abroad?

Yes, it is possible, however, we recommend you buy insurance before you depart. You’ll be able to get specialist travel insurance once you’ve left the country, and there will be a waiting period so you can’t make an immediate claim.

Will travel insurance cover COVID-19?

Yes, you’re able to buy travel insurance that offers COVID-19 cover. Although COVID-19 is less common these days, this insurance will cover emergency medical treatment and repatriation.

Do I still need travel insurance if I have a GHIC or an EHIC?

Yes, although a global health insurance card and a European health insurance card will cover state healthcare expenses, insurance will cover repatriation, delays, cancellations and lost baggage.