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The best winter sun holidays for 2023

As we’re finally moving out of summer and into rainy autumn, it’s easy to find our minds drifting to sunnier destinations. You might be after the perfect family friendly trip, a fun filled beach holiday or an adults only resort and there’s lots of options out there to choose from.

There’s some brilliant winter sun holiday destinations out there for anyone dreaming of the perfect winter getaway. All you need to do is choose the ideal holiday spot for your winter break and make sure you’ve got everything sorted with plenty of time to spare.

You might think it’s not worth getting travel insurance this far out from your trip – but you never know what might happen. From cancelled flights to a serious illness, there’s lots of things that could go wrong and if you can’t go on your trip you could lose out. Travel insurance is designed to protect against the unexpected, giving you peace of mind to relax and enjoy your trip.

Where to go for Winter Sun in 2023

In previous years, many winter travellers have opted for long haul trips to destinations like Australia or New Zealand. This year many UK holiday makers are planning on sticking a little closer to home and it’s easy to see why.

European holidays are:

  • Quicker to get to (shorter flight times)
  • Usually cheap and cheerful (especially in the winter months)
  • Offer something for the whole family

After talking with our brilliant travel insurance partners, we can tell you exactly which countries are the go-to choices for this year’s top winter sun holiday deals:

  1. Spain – Spain is the UK’s most popular holiday destination each year, with sunny beaches and lower prices. This year Spain has come out on top as the favourite destination for cheap winter sun holidays.
  2. The Canary Islands – Another popular go-to destination for UK travellers, especially for those over 50. With some fun activities and decent weather, it’s a good choice for people seeking a relaxing winter holiday in the sun.
  3. Australia – Australia still makes the list, with many people choosing to go on a longer adventure abroad. Longer flights mean this isn’t going to be everyone’s first choice but is usually a solid option for those with a bigger budget.
  4. USA – America is a popular destination and it’s a big country with a lot of options available. You might choose to have Christmas in New York this year or spend New Years skiing in Colorado.
  5. Norway – If you want beautiful views, Norway’s Northern Lights shouldn’t be missed. Not your typical warm and sunny holiday, but definitely one you would remember for years to come.

What about winter sports holidays?

If a poolside break isn’t appealing to you, there’s plenty of other options for a winter holiday. Many people decide adventure is more for them and opt for hiking through the French Alps or snowboarding in the Canadian Rockies.

Whatever type of holiday you choose, don’t forget to think about everything you need before you go. This includes making sure your passport is up to date, all the essentials are packed – and of course that your travel insurance is sorted.

Travel insurance for winter sports is really popular, as there are a lot of things to consider with winter sports holidays. Winter sports travel insurance policies will cover you for:

  • Piste closure
  • Ski packs that can’t be used (due to injury or illness)
  • Lost or stolen ski equipment
  • Emergency medical treatment
  • Delayed or cancelled flights
  • And more….

Do I need travel insurance for my winter sun holiday?

Travel insurance is a good idea no matter what time of year you’re planning on getting away. There are many things that could go wrong either before or after your trip begins, so it’s best to put cover in places as soon as you book.

Travel insurance helps to protect you financially, so you don’t end up stuck with huge bills to pay if your flight is delayed or you need medical treatment while away. It can be frustrating or confusing to find the right travel insurance especially if you have medical conditions which is why we’re here to help!

Here’s our top tips for getting the right travel insurance for your winter sun holiday:

  1. Shop around for the best price – decide how much cover you need and then see which providers are offering the best prices
  2. Make sure to declare any medical conditions you have – if you don’t you risk the insurer not paying out if you need to claim
  3. Talk to a travel insurance expert – an expert can help you search through all your options to find the best policy to protect your holiday.

If you need some more help and advice about your next travel insurance policy, you can get an online quote HERE.

Top travel insurance guides

For more of our top travel insurance tips and all the information you might need, check out more of our handy travel insurance guides.

Useful resources

Gov.uk – Foreign travel advice

Gov.uk – Travel abroad

Office for National Statistics – Leisure and tourism

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What does Martin Lewis say about travel insurance?

Martin Lewis provides lots of guidance for holidaymakers who are searching for the best deals on their travel insurance. One of the biggest recommendations from Martin Lewis travel insurance advice is ‘ASAB’ (As Soon As you Book), which basically translates to suggesting that you should buy your travel insurance as soon as you’ve booked your holiday.

In an interview on This Morning talking to Martin Lewis about travel insurance, he claims that he is constantly being asked by consumers, “what can I do if I’ve been diagnosed with a medical problem and I can’t go on holiday because my travel company won’t give me a refund?”. According to Martin Lewis travel insurance recommendations, 50% of the value of your travel insurance cover is before you are due to travel.

Top reasons for holiday cancellations before travelling:

  • Sickness or illness
  • Accidents causing an injury
  • Emergency at home
  • Family emergency
  • Work commitments
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Martin Lewis Travel Insurance - iam|INSURED

Is it worth taking out travel insurance?

Almost all financial experts such as Martin Lewis and citizensadvice.org.uk, strongly recommend that you take out a travel insurance policy and that you do it quickly. The financial and emotional impact of not having travel insurance while overseas can be catastrophic if you require medical treatment or if you are victim of a crime.

The cost of travel insurance is generally affordable for most holidaymakers and you should factor this in to the cost of your holiday. Risking not having travel insurance and then having a medical emergency when you are overseas, especially in certain destinations, can cost you thousands.

What does travel insurance cover?

Most travel insurance policies will provide the same core elements such as medical emergencies, repatriation, legal expenses, loss, theft or damage to personal belongings, and cancellation or curtailment of your trip. The types and levels of cover can vary dramatically from one policy to another so you should make sure that you’re getting the cover that you want and that you need.

Also, some travel insurance policies won’t cover you for certain destinations, activities or types of holidays, such as:

  • Cruise holidays
  • Winter sports
  • Worldwide travel
  • Pre-existing medical conditions

Note: Travel insurance will generally exclude any accident or injury that has happened whilst under the influence of alcohol or drugs.

What is classed as a pre-existing medical condition for travel insurance?

According to one of the UK’s top travel insurance providers, Staysure clearly states that ‘you must declare ALL pre-existing medical conditions when your take out a travel insurance policy’. Witholding any information about your health or medical history could expose you to the risks of rendering your cover invalid and therefore class any claims as ‘null and void’.

Any of the following pre-existing conditions must always be disclosed on your travel insurance application:

  • Cardiovascular conditions (e.g. blood pressure, cholesterol, heart disease etc.)
  • Cancer(s)
  • Any Stroke or Transient Ischemic Attack (TIA)

You should also let your travel insurance provider know about any of the following medical investigations, tests or treatments in the past two years:

  • Symptoms (whether or not you have consulted a doctor)
  • Medication or treatments
  • Scans or investigations
  • Medical appointments and check-ups
  • Surgery
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How much should I spend on travel insurance?

According to a recent travel insurance survey carried out by Forbes Advisor’s Analysis (Average cost of travel insurance 2023), the average cost of travel insurance is between 5% and 6% of the cost of your trip.

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