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Compare Medical Travel Insurance 2024 UK

Simply put – Accidents happen and if accidents happen while travelling, then you can incur medical bills and delays, which could lead to further problems like missed transport, lost luggage and maybe even thefts. This is where travel insurance comes to the rescue – these problems can prove very costly if you are not properly insured but are avoidable.

Travel Insurance can cover medical bills, lost/stolen possessions, cancellations and will help in getting you home. For whatever reason you may be travelling, going to the sunny beaches for a weekend away or on a full-blown round the world trip of a lifetime, then it is vital you are covered for all eventualities.

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60-Second Summary – Compare Medical Travel Insurance 2024 UK

Travel insurance is the simplest and easiest way to protect yourself financially while you are on holiday or travelling. These policies will help to cover unexpected costs that occur due to events like missed flights or loss of luggage.

  • There are several different types of travel insurance including Domestic travel insurance, European travel insurance and Worldwide travel insurance. You can even get cover for specific activities you will be doing while you are away (e.g. winter sports cover).
  • Financial experts like Martin Lewis recommend that you buy travel insurance immediately when you book your holiday (As Soon As you’ve Booked or ‘ASAB’).
  • If you have medical conditions, it will usually be cheaper and simpler to buy your travel insurance through a medical travel insurance specialist.

Types of travel insurance

There is a wide variety of travel insurance options. You could get covered for a single trip within the country or have abroad yearly multi-trip policies that cover your whole family. You can also tailor your travel insurance to incorporate the regions to which you are travelling and/or the activities you may be undertaking whilst away:

  • Domestic UK Travel
  • European Travel
  • Worldwide Travel
  • Winter Sports

Our carefully selected travel insurance partner will help you find the right Travel Insurance to protect you and your family.

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Travel insurance for foreign travel

In the event you undertake extensive foreign travel then travel insurance can often be a difficult thing to get, if you do not know where to look.

We fully understand how important travel insurance is. Our insurance partners will work for you in order to ensure that you get the absolute best price for your cover with the least amount of hassle.

Foreign travel can have a large impact on insurance plans such as Income Protection, Life Insurance and Critical Illness Cover. This is mainly because of the perceived danger some countries sadly represent. For instance, if you were to travel to a country in the midst of a war or civil unrest, it can be seen by insurance providers as a far higher risk of death or serious injury.

As such, Life Insurance and Critical Illness Cover may come with a much higher premium depending on your time in these countries. Income Protection is even likely to be refused and could potentially lead to travel exclusion if you are a regular visitor of high-risk locations.

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Medical Conditions Travel Insurance









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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Martin Lewis pre-existing medical conditions - iam|INSURED

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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