Travel insurance

Travel insurance: What you need to know

Travel insurance can protect you if something unexpected happens before or during your trip. This might include illness, injury, accidents, lost baggage, or problems with flights and other transport. Having the right policy can save you stress and money if things go wrong.

Choosing the right travel insurance

Travel insurance varies depending on the type of trip you take. When choosing a policy, think about how often you travel, as some people only need cover for one trip while others may need annual cover for several journeys.

Where you are travelling also affects the cost of insurance, as some destinations are more expensive to cover than others. The type of activities you plan to do matters too. Sports such as skiing, hiking, or adventure activities may require extra cover.

Your age can influence what protection you need, and the way you travel - whether by plane, car, ferry, or train - can also make a difference. Before buying any policy, make sure you understand what is included and what is not.

If you need to make a claim while you are travelling

Always keep a copy of your insurance documents when you travel. You will need your policy number and the contact details of your insurer if something goes wrong.

If you have an emergency during your trip, check your insurance documents, contact your insurance provider as soon as you can, and follow the advice they give you.

Making a claim when you get home

If you need to make a claim after you return, contact your insurer quickly and ask them for a claim form.

Keep copies of everything you send, as your documents may not be returned. This includes the completed claim form, receipts, medical certificates, and any other important papers.

Before sending your claim, check that you are within the insurer’s time limit and that your policy covers what you are claiming. Some policies include an excess, which is the amount you must pay yourself. If your policy is not “new for old”, the insurer may not pay the full cost of replacing your items. Read the terms and conditions carefully to avoid anything that could prevent a successful claim.

If you are not happy with your travel insurance

If your insurer, or the company that sold you the policy, is regulated by the Financial Conduct Authority (FCA) in the UK, you may be able to take your complaint to the Financial Ombudsman Service. They can advise you on how to raise a complaint and help resolve disputes.

Please note that the UK International Consumer Centre (UKICC) cannot handle complaints about financial products or services, including travel insurance.