When shopping for travel insurance the best policy for you will depend on your circumstances and the type of trip you are going on.
We have rated hundreds of travel insurers and picked out which ones are the best depending on what you’re looking for. Remember that the detail of what’s included varies by insurer and by policy, so make sure you read the small print.
This article includes:
- Which travel insurers cover Covid related claims?
- Best annual multi-trip travel insurance
- Best annual single-trip travel insurance
- Best for those with pre-existing medical conditions
- Best travel insurance for over-50s
- Best travel insurance for cruises
- Best winter sports cover
- How our independent ratings are calculated
Related content: What does travel insurance cover?
We have gone through581 policiesto find the ones that offer the best cover for coronavirus-related disruption.
A total of 34 have been awarded a five-star rating. A five-star rated policy will cover you for:
● Changes to FCDO advice while you are on your trip
● Cancelled excursions you have booked in advance
● Cancellation if you or your travelling companion, a household member or a relative contract the coronavirus within 14 days of your departure
● Medical cover if you catch Covid-19
You can get an annual policy (covering Covid-19 treatment abroad and cancellation cover) from as little as £11 from Coverwise.
Five-star policies are offered by the likes of:
A number of insurers will cover for cancellation of your trip should you need to self-isolate because someone you live with has tested positive for the coronavirus. These include:
- Allianz Assistance
Always check the terms and conditions of a policy careful to see if it will cover you for what you need it to.
Can I get cover if I travel against FCDO advice?
Yes but you have a smaller pool of insurers to choose from:
- Protects those who travel to European destinations after FCDO’s new travel rules have changed
- But you won’t be covered for claims relating to the coronavirus
- Covers coronavirus-related claims in countries that are not on the “safe” list
- Excludes cancellation or curtailment
- Only available for European destinations
You can use a specialist firm such as Battleface, Campbell Irvine and High Risk Voyager, which provide cover for destinations not on the FCDO’s “safe list”.
Under normal circumstances, they sell policies to those visiting war, crisis and disaster-relief zones such as:
- Aid workers
- Journalists and photographers
- Those visiting family in high-risk countries
Many of these policies now include cover for coronavirus-related medical expenses incurred while on a trip, as well as broader medical and general travel insurance.
REMEMBER: You are unlikely to find a policy that will cover you if change your mind about travelling, even if it’s for a good reason.
Best annual multi-trip travel insurance
There are different ways to buy travel insurance cover:
- Single-trip: buy separate policies to cover each individual trip you take
- Multi-trip: buy one policy that covers all the trips you make in a year
If you are a frequent traveller, annual multi-trip policies often work out cheaper.
Here are the top annual-trip providers:
Looking for travel insurance?
Top rated annual multi-trip insurance
Our independent ratings highlight the most comprehensive policies on the market – with the best customer experience
Travel Sure Gold
Travel Sure Platinum
Best annual single-trip travel insurance
Annual travel insurer typically works out cheaper if you travel a couple of times a year.
But if you’re only planning on doing one holiday, single travel insurance cover could be a better option.
We list the top single-trip insurers here:
Not sure what to choose?
Top rated single trip insurance
Our independent ratings highlight the most comprehensive single-trip travel insurance policies on the market
Travel Sure Gold
Travel Sure Platinum
Best travel insurance for those with pre-existing medical conditions
Why we rate it: Able2Travel is a specialist travel insurance provider for people with pre-existing medical conditions. It excels both in quality of service and the quality of its products.
Able2Travel topped our Spring 2022 Customer Experience ratings, with our national polling showing that it had the happiest customers out of 40 major travel insurance companies.
Customers also rated the quality of its online services as the best.
Able2Travel’s annual Platinum policy will provide you with up to £3,000 cover for lost or stolen baggage.
Its Platinum-level winter sports add-on is also 5-star rated, providing £1,000 cover for damaged, lost or stolen ski equipment that you own.
So if you tend to travel with heavy luggage or enjoy skiing, Able2Travel might be the ideal pick.
Best all-round travel insurance
Why we rate it: The AA continues to excel in keeping customers happy, having one of the best records on complaints and transparency and taking a gold award in our Spring 2022 customer experience ratings.
Its travel insurance policies also cover medical claims while you are away due to Covid-19, as long as you’re not travelling against FCDO advice or the equivalent government body in another country.
Cancellation cover is included if you can’t travel because you’ve fallen ill with coronavirus or have to self-isolate, though you will need to provide evidence.
AA members pay no excess on their travel insurance cover – and you get a 10% discount when booking directly through the AA’s website.
Best for over-50s
Why we rate it: If you are over 50, you can get specialist travel insurance.
If you’re over 50 and you’re looking for a comprehensive travel policy, Saga is worth considering.
Its travel insurance – with cancellation cover added on – is rated five stars, and Saga also scores highly for customer experience.
It offers cover if you fall ill with the coronavirus while you’re overseas, but no cover if you have to cancel your trip for the same reason.
Best for customer service
Why we rate it: Our polling data shows that A-plan is the best generalist travel insurance company when it comes to customer happiness and trust. It also has a good record of handling complaints.
There are brands that do better on premium policies. However, in lower price categories A-plan puts up a solid competition.
A-Plan is an excellent choice if you are worried about Covid-19. All of its main policies provide cover if you fall ill before you travel.
All this earned A-Plan a gold medal in our Spring 2022 customer experience ratings.
Best travel insurance for cruises
If you’re thinking about taking a cruise, it’s important to take out special additional cover such as a cruise insurance to protect you.
Cruise insurance is normally offered as an add-on to travel policies, and protects you if you:
- Miss connections to reach the departure
- Fail to get back on board after planned stops
- End up being confined to your cabin
Though if you want a dedicated travel insurance policy for a cruise, here’s an option to consider:
Best for cruise holidays
Why we rate it: Just Travel Cover is a broker that offers travel policies from a wide range of insurers.
Its Avion product line is underwritten by Chaucer, and its most comprehensive Avion gold policy includes excellent cover for those going on a cruise.
Cover for cabin confinement is £200 a day up to a limit of £2,000 – which is higher than most.
It is rated five stars in our cruise cover ratings, and Just Travel Cover also gets a silver customer experience rating.
Best winter sports cover
If you’re planning a skiing and snowboarding trip then it’s important you have insurance that will cover you if you’re involved in an accident on the slopes.
Most travel insurers will offer winter sports cover as an optional add-on to their regular cover and will protect you if you:
- Need to be airlifted off the slopes or rescued and need medical treatment
- Turn up and there’s no snow
- Can’t start skiing and snowboarding because of avalanche risk
- Find out your equipment – such as skis, snowboard and boots – has been stolen
It’s difficult to predict what the next ski season will look like. But if you’re booking now and want cover for the essentials, here’s a policy to factor into your calculations.
Best for winter sports
Why we rate it: InsureandGo is one of the UK’s largest insurance brands.
It is owned by and underwritten by Swiss insurance giant Zurich.
Its Black policy gets five stars in our ratings and has better levels of cover than most winter sports policies, including £1,500 for lost or stolen ski equipment, and up to £1,500 for a lost or stolen ski pass.
InsureandGo is just outside our top tiers in the customer experience ratings – but it’s still better than about half of the providers.
How we calculate our travel insurance ratings
Our travel insurance star ratings are compiled by the independent consumer group Fairer Finance.
A five-star policy will be one that will protect most travellers in most situations including:
- Lost baggage
- Stolen belongings
- Delays & cancellation
- Medical treatment while away
Our travel insurance customer experience ratings will also give you an idea about which travel insurance companies are best at keeping their promises and have the happiest customers.All providers are authorised and regulated by the financial conduct authority.
Want to know more about what travel insurance covers, read our guide.
Our product ratings look at the levels of cover, excesses and fees associated with over 600 travel insurance products on the market.
To get five stars, a product must be within every single one of the red lines that we set. Our red lines are based on average claims levels of cover for different types of insurance claim.
We also look at sector averages for excesses, fees and levels of cover.
A top-rated policy will be one that will cover most or all of any unexpected expenses that arise on your holiday. It will also have manageable excesses and no nasty high fees.
A five-star rated policy must have at least £2m of medical treatment cover (or £5m for a multi-trip policy), £3,000 of cancellation cover and £3,000 for cutting your trip short.
It must also cover you for events like your airline going bust, or your holiday being disrupted because of a natural disaster.
Our customer experience ratings are based on:
- How happy customers are with different travel insurance brands
- How much they trust the brand
- Each brand’s record at complaints handling
- The clarity oftheir online purchase journey and policy documents
James Daley is managing director of Fairer Finance, the independent consumer group that produces our best-buy product tables
- Best Overall: Travelex.
- Runner-Up, Best Overall: Allianz Travel Insurance.
- Best Value: InsureMyTrip.
- Most Comprehensive Coverage: World Nomads.
- Best for Seniors: HTH Travel Insurance.
- Best for Cruises: Nationwide.
- Best for Medical Coverage: GeoBlue.
About the Insurer
Our insurance is underwritten by 'Euroins' AD, which is authorised and regulated by the Financial Conduct Authority (FCA no. 472490).
Are Staysure and Avanti the same company? Avanti insurance was founded in Essex in 2009 and acquired by Staysure in 2017. Therefore, Avanti and Staysure are part of the TICORP Ltd trading group however both operate as standalone businesses.What is the best travel insurance for over 70 with medical conditions? ›
AllClear offers tailored, comprehensive Travel Insurance for over 70's. We cover all pre-existing medical conditions and include Superior Covid cover in all our policies. Our 5-star policies will give you peace of mind, so you can relax and enjoy your holiday.Is Allianz a good travel insurance company? ›
Allianz Global Assistance company (Allianz Travel) checks all of those boxes. Its parent company, Allianz SE, receives an A+ rating from A.M. Best (a leading insurance financial rating firm), and the company offers competitive individual trip and annual travel insurance products.Does travel insurance cover Covid cancellations? ›
Plans that offer COVID-19 benefits
Allianz Comprehensive or Domestic Travel Insurance offers trip cancellation if you are positively diagnosed with COVID-19. Full or partial premium refunds are also available if you are impacted by unexpected border closures or mandatory quarantine period arising from COVID-191.