11 Best Travel Insurance Plans Rated by UK Experts (2025 Guide)

A UK traveler's £250,000 medical bill in Thailand was paid in full by their travel insurance£250,000. This shows why picking the right coverage matters so much.

We looked at 44 insurers and 129 policies in the UK travel insurance market and found some worrying trends. Last year, insurers turned down about 25% of all European claims. The costs keep going up too. Single-trip cover now costs £31.73, up 7% from last year, while annual multi-trip policies cost £80.14 - a 12% jump.

Your age plays a big role in what you'll pay. A single trip costs around £38 if you're between 36-40 years old. The same coverage jumps to £190 for travelers aged 71-75. These premiums might seem high, but they're no match for the average medical claim of £1,724 - and many claims cost much more.

Money expert Martin Lewis has a simple rule: get your travel insurance "ASAB" - As Soon As you Book. This protects your trip from day one. We checked 66 different coverage areas and picked 18 Best Buy policies. Each one scored at least 71% in our tests.

Aviva Travel Insurance

Image Source: Aviva

Aviva leads the best UK travel insurance market with its wide range of coverage options. This 320-year-old insurance giant gives you both single trip and annual multi-trip policies that match different travel needs.

Aviva key features

Aviva's detailed travel protection has standout features that appeal to travelers of all types. Their annual multi-trip option covers trips up to 31 days for travelers aged up to 74. You can extend this coverage to 45, 60, or even 90 days by paying extra premium. On top of that, it covers UK holidays that include at least two consecutive nights in pre-booked accommodation.

The policy has a 24-hour worldwide medical emergency assistance service to support you during urgent situations abroad. You can also choose from several optional add-ons for specialized coverage:

• Winter sports (covered for the entire single trip duration or up to 31 days for annual policies)

• Business travel protection

• Golf equipment coverage up to £1,500

• Extended scuba diving coverage (up to 30m depth)

Aviva medical cover

Medical protection is the life-blood of Aviva's travel policies. The coverage includes up to £10 million for emergency medical expenses outside the UK. This amount covers emergency medical treatment, dental care for pain relief (up to £1,000), and medical repatriation when needed. In spite of that, Aviva must approve any pre-existing medical conditions for coverage.

Aviva cancelation cover

Aviva offers cancelation coverage up to £5,000 per person if your plans change. This covers unrecoverable travel and accommodation costs when you need to cancel your trip or return early due to illness, redundancy, or your home becoming uninhabitable.

The policy also protects you with up to £1,000 for missed departures, flight delay compensation (£25 after 12 hours, or up to £5,000 for trip abandonment after 24 hours), and coverage for lost travel documents up to £750.

Aviva pricing

Recent market data shows Aviva's travel insurance among the best value options. Their policy received a 91% rating in detailed evaluations. Premium costs vary based on your age, destination, and optional add-ons.

Aviva best for

Aviva shines especially when you have strong medical coverage needs without excess complications. Which? reports show the policy paid 75-80% of claims made on annual European policies and 80-85% of claims on annual worldwide policies in 2022. The policy works best for:

• Families (up to eight members can be covered on one policy)

• Travelers with pre-existing conditions (no advance declaration needed if a medical professional confirms fitness to travel)

• Those worried about COVID-19 disruptions

You can call +44 (0)1603 208 044 for medical emergencies abroad or 0345 030 6983 for non-emergency claims from the UK.

Barclays Travel Pack

Image Source: Barclays

Barclays Travel Pack offers premium protection with its Which? Best Buy Travel Insurance (June 2024). The pack stands out with its £10,000 missed departure coverage and pandemic protection options, combining travel insurance with extra benefits for Barclays current account holders.

Barclays key features

The Travel Pack provides worldwide, multi-trip coverage that Aviva Insurance Limited underwrites. You'll get coverage for yourself, your partner (if living together as a couple), and children under 23 who travel with you or visit relatives abroad. Your trips must start and end in the UK with standard coverage lasting up to 31 days.

Notable extras include:

• Trip upgrades available for stays up to 120 days

• Coverage for pre-existing medical conditions with a one-off fee

• RAC's complete breakdown cover includes roadside assistance, national recovery, and onward travel across the UK

Barclays medical cover

Medical protection is the life-blood of this policy. The Barclays app or Online Banking lets you complete an online medical assessment to cover pre-existing conditions. Your claims from these conditions won't receive coverage without a valid pre-existing conditions upgrade.

A dedicated support line provides 24/7 medical emergency assistance if you need urgent medical help abroad.

Barclays cancelation cover

The standard cancelation limit has increased from £5,000 to £10,000 per person. You'll get coverage when pre-booked travel arrangements face cancelation or delays beyond 12 hours, and your travel provider can't arrange suitable alternatives within 24 hours of your original departure.

Barclays pricing

The Travel Pack costs £14.50 per month as of February 2024. You'll need to commit for at least six months, but can cancel anytime after this period. An eligible Barclays current account is necessary to qualify.

Barclays best for

This pack suits:

• Regular travelers who need complete protection

• Families looking for multi-person coverage

• People wanting combined travel and breakdown insurance

Aviva, which underwrites Barclays policies, showed strong claims performance in 2022. They paid 75-80% of claims on annual European policies and 80-85% on annual worldwide policies.

You can reach +44 (0)1603 604976 for emergencies abroad, while UK claims go through 0800 404 6856. Contact your travel agent or airline about potential refunds or trip adjustments before making cancelation claims.

Staysure Travel Insurance

Image Source: Staysure

Staysure stands out as a specialist in best travel insurance for the 45+ market. The company focuses on travelers with pre-existing medical conditions. This eight-time consecutive British Travel Awards winner for Best Travel Insurance Company has earned over 460,000 reviews from satisfied customers.

Staysure key features

Staysure's inclusive approach makes it unique in the best UK travel insurance market. The company provides:

• No upper age limit policies, even with pre-existing medical conditions

• Coverage for 97% of people with medical conditions

• 24/7 emergency assistance and repatriation coverage

• Defaqto 5-star rated protection

• Over £128 million paid on more than 68,000 claims in the last 18 months

The company's highest single claim payment reached £335,352, which shows their steadfast dedication to complete coverage when you need it most.

Staysure medical cover

Medical protection is the life-blood of Staysure's offerings. Both Comprehensive and Signature policies give unlimited medical expenses and repatriation. The simple policy offers up to £5 million in coverage.

Staysure specializes in pre-existing condition coverage and requires full disclosure during their straightforward medical screening process. The company commonly covers conditions like arthritis, asthma, cancer, diabetes, heart conditions, and high blood pressure.

Staysure cancelation cover

Each policy tier offers different cancelation protection:

• Signature: Up to £10,000 per person

• Comprehensive: Up to £5,000 per person

• Basic: Up to £500 per person (upgradable)

The cancelation coverage includes unforeseen illness, injury or death, travel delays exceeding 12 hours, redundancy, jury service, home uninhabitability, and FCDO advice against travel due to natural disasters.

Staysure pricing

The company offers three distinct policy levels with different features and price points:

1. Basic: £129 excess, £300 baggage coverage, £5 million medical expenses

2. Comprehensive: £99 excess, £2,500 baggage coverage, unlimited medical expenses

3. Signature: Zero excess, £5,000 baggage coverage, unlimited medical expenses

European trips start from about £15. Prices change based on age, destination, and medical conditions.

Staysure best for

Staysure shines especially when you have:

• Travelers over 45 years old

• Pre-existing medical conditions that need extensive coverage

• Multiple trip plans (annual policies cover up to 183 days of travel in 12 months)

• Cruise trips needing specialized coverage

The company welcomes all age groups, despite their focus on mature travelers. Their customer satisfaction tells the story - they have twice as many 5-star Trustpilot reviews as any other UK travel insurance provider.

LV= Travel Insurance

Image Source: LV

LV= stands out in the best travel insurance market and with good reason too. Their Premier policy has earned a Defaqto 5-star rating, and they provide flexible coverage options. You can choose between single trip protection or year-round coverage that fits your travel style.

LV= key features

The company provides two coverage levels that match different travel needs. Their Essential policy comes with a 10% online discount, up to £10 million emergency medical cover, and protection against coronavirus. Both policies cover pre-existing medical conditions, but you need to declare these when you set up your policy.

Regular travelers can benefit from the annual multi-trip policy:

• Essential coverage lets you travel up to 31 days per trip

• Premier coverage extends this to 90 days

Your children get automatic coverage during school, university, or club trips when a responsible adult accompanies them. Annual policies also include cruise cover as a standard feature.

LV= medical cover

Medical protection sits at the heart of LV='s travel insurance. Both Essential and Premier policies give you up to £10 million in emergency medical expenses. This coverage takes care of medical treatment, gets you home if you test positive for coronavirus, and provides 24-hour helpline support worldwide.

LV= looks at all pre-existing medical conditions, but you must disclose everything during policy setup. Their medical coverage extends to cancer, breathing issues, heart problems, bone or joint conditions, gastrointestinal issues, and circulatory conditions.

LV= cancelation cover

Each policy tier offers different cancelation protection. Essential gives you up to £5,000 while Premier improves this to £10,000. This helps when circumstances force you to cancel or cut your holiday short.

You get coverage for serious illness, death of you or a close relative, jury service, home break-ins, fires or floods, redundancy, and canceled leave for armed forces or emergency services. Premier policy holders also get protection against flight delays, bad weather, and strikes after 24 hours.

LV= pricing

Current market rates show LV='s competitive pricing across age groups. A 60-year-old pays from £23.38 for a 7-night Spanish trip. A 20-year-old's annual multi-trip European coverage starts at £71.06.

Prices go up with age. A 70-year-old typically pays £56.99 for single-trip and £139.94 for annual multi-trip European policies.

LV= best for

This insurance works great for travelers who want detailed emergency medical coverage with simple excess structures. These policies shine for:

• People worried about coronavirus disruptions

• Families whose children go on school trips

• Cruise lovers who want built-in coverage

• Travelers who prefer easy online claims

LV='s customer satisfaction speaks for itself with a 4.7 out of 5 rating from 1,016 verified reviews. Their reliable protection helps you travel with confidence.

Admiral Travel Insurance

Image Source: Forbes

Admiral gives you best travel insurance options with simple coverage choices that work for travelers of all ages and needs. You can choose from three policy levels with increasing benefits based on how much protection you want.

Admiral key features

The company offers three policy tiers—Admiral, Admiral Gold, and Admiral Platinum. Each level gives you more protection than the last. Every plan includes emergency medical treatment, trip cancelation, personal belongings coverage, and legal assistance. Frequent travelers can get annual multi-trip coverage for unlimited trips up to 31 days each. Single-trip coverage protects you for trips lasting up to 365 days.

Adults covered under the same plan can travel separately. This lets family members travel on different schedules. The plans also cover travelers with pre-existing medical conditions if they declare them upfront.

Admiral medical cover

Medical coverage is the life-blood of Admiral's plans. Coverage limits range from £10 million (basic tier) to £20 million (platinum tier). This includes emergency medical treatment, getting you back home, and replacing medications if you can't return due to illness.

Admiral needs to know about any pre-existing conditions during application. They might reject claims if you don't tell them about a condition, even if your claim has nothing to do with it.

Admiral cancelation cover

Admiral helps with unexpected trip disruptions by offering cancelation coverage up to £1,500 (basic), £3,000 (gold), or £5,000 (platinum). This covers your deposits, accommodation costs, car hire, excursions, pet sitter charges, and parking fees.

You can cancel for serious illness, jury service, home damage, redundancy after two years of work, or passport theft within seven days of leaving. All the same, they won't cover you if you knew your trip might get canceled when booking or if you travel against doctor's orders.

Admiral pricing

Market analysis shows Admiral travel insurance costs substantially less than the UK average. A family of four pays about £43 for basic annual multi-trip European coverage. Gold costs £56, and platinum runs £64. Adding winter sports coverage costs £11-£16 more depending on your tier.

Admiral best for

Admiral works great for travelers who want budget-friendly coverage without cutting corners on protection. These plans are perfect for:

• Budget-conscious travelers who want complete protection

• Families who need flexible joint coverage

• People taking long single trips (up to 365 days)

• Travelers up to 75 years old for annual policies or 85 for single-trip coverage

Saga Travel Insurance

Image Source: Saga

Saga Travel Insurance stands out in the best UK travel insurance market. They focus on travelers over 50 with custom coverage plans. Their Standard and Plus policies have earned Defaqto 5-star ratings.

Saga key features

You can choose from three different policy tiers based on your travel needs:

• Essential: Perfect for UK breaks and weekend trips with up to £2 million medical coverage

• Standard: Great for island-hopping and touring holidays with up to £5 million medical coverage for single trips

• Plus: Built for world travel and cruises with up to £20 million medical coverage

Every policy gives you unlimited access to online and phone GP appointments through Saga's GP Service while you're away. Saga welcomes anyone over 50 without any upper age restrictions.

Saga medical cover

Medical protection is the life-blood of Saga's travel insurance. Coverage ranges from £2 million with Essential to £20 million with Plus for emergency medical treatment abroad. UK trips get coverage up to £2 million. Saga covers many pre-existing medical conditions and has helped over 1.2 million people with diagnosed conditions.

Saga cancelation cover

Each tier offers different cancelation protection. Essential covers up to £2,500 per trip, Standard gives you up to £5,000 for single trips, and Plus protects you up to £15,000. You'll also get substitute accommodation coverage from £1,500 (Standard) to £5,000 (Plus) if disasters or disease outbreaks make your booked place unusable.

Saga pricing

Your destination, trip length, and pre-existing medical conditions shape Saga's pricing. Essential has a fixed £150 excess. Standard and Plus let you pick from three excess levels: £70, £150, or £250. Standard and Plus policies also let you remove the excess completely.

Saga best for

Saga works great for:

• Older travelers who want age-specific coverage

• People with pre-existing medical conditions needing strong protection

• Long-stay travelers (trips up to 180 days in Europe with Standard/Plus policies)

• Family groups (add up to 9 family members/friends of any age)

Saga's medical assistance helpline runs 24/7 to help you handle any emergencies during your trip.

Benenden Health Travel Insurance

Image Source: Benenden Health

Benenden Health stands out in the best travel insurance market by welcoming travelers of all ages. The provider has managed to keep its "no upper age limit" policy from day one and looks at all pre-existing medical conditions for coverage.

Benenden key features

The company's three policy tiers (Gold, Gold+, and Platinum) give you different levels of protection. Every policy has coronavirus coverage that kicks in if you're diagnosed with COVID-19, covering cancelation, curtailment, and emergency medical expenses. Benenden Health members get a nice 10% discount on their travel insurance premiums.

You'll get 24/7 medical assistance while traveling - help is there whenever you need it, any day of the year. The company's support for older travelers deserves special mention. They work with specialist broker AllClear to handle policies for people over 65.

Benenden medical cover

Each tier comes with different medical protection levels. Gold gives you £10 million coverage, Gold+ bumps it up to £15 million, and Platinum takes it further with unlimited medical expense coverage. You need to tell them about any pre-existing conditions when you apply, but Benenden wants to cover you whatever your medical history (after screening).

Benenden cancelation cover

The cancelation protection gets substantially better as you move up the tiers. Gold covers £2,000 in costs you can't get back, Gold+ gives you £15,000, and Platinum provides detailed protection up to £25,000. This covers you if COVID-19 forces you to cancel.

Benenden pricing

The prices stay competitive with flexible excess options. Gold policies let you choose between £0-£250 excess based on claim type. Gold+ keeps it simple with a £75 excess, while Platinum shines with zero excess on everything.

Benenden best for

Benenden really shines when it comes to inclusive policies that work for everyone, no matter their age or medical history. The insurance works great for:

• Older travelers who hit roadblocks with other providers

• People with complex pre-existing medical conditions

• Families who want everyone on one policy

• Anyone worried about COVID-related travel issues

Benenden gives peace of mind to travelers who might find it tough to get detailed best UK travel insurance coverage elsewhere.

Coutts & Co Travel Insurance

Image Source: Coutts

Coutts & Co Travel Protection stands at the pinnacle of best travel insurance luxury offerings. This exclusive coverage for Coutts account holders has managed to keep Defaqto's coveted 5-star rating over the last several years since its 2016 launch.

Coutts key features

The coverage parameters from Coutts go beyond what standard policies typically offer. Each trip gets protection up to 93 days abroad, along with winter sports coverage lasting 28 days per experience. The policy has high-value baggage insurance that covers up to £10,000 per beneficiary with a £1,000 single article limit.

Coutts sets itself apart by not imposing any upper age limit. Students up to age 23 stay covered during full-time education. The policy even offers gap year extensions with proof of university placement.

Coutts medical cover

Medical protection is the life-blood of this coverage, offering unlimited emergency medical expenses. This significant safety net helps international travelers rest easy. The detailed pandemic protection has:

• Unlimited medical coverage for COVID-19 or other pandemic diseases

• Extra expenses during medically required quarantine on your trip

• Round-the-clock medical assistance through a helpline

Coutts cancelation cover

Coutts provides cancelation coverage up to £15,000 per beneficiary[421] to handle unexpected disruptions. Protection kicks in when:

• COVID-19 symptoms prevent boarding

• Your pandemic disease test comes back positive

• A close family member gets a pandemic illness

Coutts pricing

The annual cost of Coutts Travel Protection runs £400, billed quarterly at £100. The best part? Clients with combined assets and liabilities that exceed £1 million at Coutts get this coverage at no extra cost[421][422]. Eligible customers should note they need to opt-in actively to receive protection.

Coutts best for

This best UK travel insurance works perfectly if you have:

• High net worth and need premium protection

• Regular international travel with longer trips

• Adult children studying full-time

• A preference for high claim acceptance (97% payout ratio in 2023)

Platinum Travel Insurance

Image Source: www.covered2go.co.uk

Platinum Travel Insurance stands at the top tier of best travel insurance coverage from UK providers. These premium plans perform exceptionally well in quality ratings, with one plan scoring 88% in Which? reviews.

Platinum key features

UK insurers offer their highest coverage limits through Platinum policies. The standard package covers worldwide trips up to 45 days, and you can extend this to 90 days or 279 days with upgrades. Note that these policies cover the account holder, their partner (under 80), and dependent children under 24 who are in full-time education.

Key benefits include:

• 24-hour worldwide medical emergency assistance

• Zero or low excess options (typically £50)

• Complete gadget coverage up to £3,000

• Winter sports coverage up to 31 days per calendar year

Platinum medical cover

Medical coverage is the foundation of Platinum policies. The protection ranges from £2 million to £10 million for emergency treatment. Most plans cover emergency dental care for pain relief and include repatriation costs and medical evacuation services.

Platinum cancelation cover

Platinum cancelation protection gives you £5,000 to £7,500 per person. You'll get coverage for unrecoverable travel and accommodation costs if your trip gets canceled or cut short for covered reasons. The protection includes missed connections (£1,191 with some policies) and backup accommodation if your original booking becomes unusable.

Platinum pricing

Provider prices vary substantially. Some banks bundle Platinum travel insurance with premium accounts that charge monthly fees (£22 for NatWest/RBS Platinum accounts). American Express Platinum cardholders get this as a free benefit with their card. Independent Platinum policies cost more but make up for it with higher coverage limits and lower excess fees.

Platinum best for

Platinum travel insurance works best for people who want complete protection with minimal financial risk. These policies are great for:

• Luxury travelers with substantial pre-paid expenses

• Families who need multi-person coverage

• People carrying valuable gadgets (with £2,000-£3,000 personal belongings protection)

• Travelers looking for high cancelation and baggage limits with few exclusions

The Platinum tier gives you peace of mind through its broad coverage and straightforward claims process.

Flex Plus Travel Insurance

Image Source: Nationwide

Nationwide's FlexPlus account gives you complete best travel insurance as part of its packaged banking benefits. Aviva Insurance Limited underwrites this policy, which stands out by protecting your entire family through a current account.

Flex Plus key features

The FlexPlus travel insurance protects account holders, their partners, and dependent children under 23 during their worldwide experiences. The policy covers everyone whether they travel together or separately. You'll get these benefits:

• Protection for trips up to 31 days (with longer trip upgrades available)

• Coverage for winter sports equipment

• Up to £1,000 if you miss your departure

• Up to £1,500 for personal belongings

The policy automatically covers everything in travel protection, such as 24-hour worldwide emergency assistance and coverage if you lose your travel documents.

Flex Plus medical cover

Each person gets substantial emergency medical protection up to £10 million. Aviva needs to know about and approve any pre-existing medical conditions before coverage starts. The policy won't cover undiagnosed symptoms, so you should wait for test results or referrals before booking your trips.

Flex Plus cancelation cover

You'll get £5,000 per person if you need to cancel or return early because of unexpected illness or injury. This protects you against costs you can't recover when canceling your experience. The policy also offers £5,000 to arrange alternative travel if your plans get disrupted.

Flex Plus pricing

The FlexPlus account costs £18 monthly, up from its previous £13. This single fee covers all three insurance types: travel, mobile phone, and breakdown coverage.

Flex Plus best for

Families looking for complete coverage will find this insurance especially valuable since it includes dependent children up to age 23. Regular travelers who take multiple trips yearly and winter sports enthusiasts needing equipment coverage will benefit greatly. The policy was particularly good for older travelers until recently because it had no age limit.

Diamond Travel Insurance

Image Source: Diamond Car Insurance

Diamond Travel Insurance stands out as a premium choice in the best travel insurance market because of its zero-excess policy and improved protection features. The strong package ranks among Which?'s "Best Buy" selections with an impressive 88% rating.

Diamond key features

Diamond goes beyond simple coverage and has complete COVID-19 safeguards. The most attractive feature is the £0 policy excess when you make claims. You can choose between Single and Multi-Trip policies. Multi-Trip policies give better value if you travel more than twice a year. Diamond also makes it easy to get quotes for various medical conditions through a simple process.

Diamond's benefits include:

• Improved COVID-19 protection

• Gadget cover up to £3,000

• Protection against airline bankruptcy due to pandemic

• Money back for pre-booked events you can't recover elsewhere

Diamond medical cover

Each person gets medical protection up to £10 million. This covers emergency medical

expenses, repatriation costs, and COVID-19 treatment. Some MORE TH>N Diamond policies offer even higher coverage of £20 million. This pays for hospital fees, repatriation, in-patient benefits, plus funeral and dental expenses if you get sick during your trip.

Diamond cancelation cover

You can claim up to £7,500 for pre-paid travel and accommodation expenses. The policy pays if you or anyone on the policy tests positive for COVID-19 within 14 days of travel. You'll also get money back for pre-booked events or excursions that other sources won't refund.

Diamond pricing

Diamond positions itself as a premium provider. The policies cost more than standard ones, but this is a big deal as it means that you get broader protection with zero excess payments.

Diamond best for

Diamond works best for travelers who want complete protection without excess fees. The coverage really shines when you have COVID-19 concerns, need gadget protection, or have pre-existing medical conditions. The policy gives peace of mind with maximum coverage for unexpected events and no extra costs when making claims.

Comparison Table

Conclusion

The right travel insurance can substantially affect your peace of mind and financial security during your travels. In this piece, we've looked at eleven top providers that offer different coverage levels for all types of travelers. Medical coverage starts at £2 million and goes up to unlimited protection, while trip cancelation coverage ranges from £1,500 to £25,000 based on your policy choice.

Your travel plans should help you pick the insurance that works best. Older travelers will find great options with Saga or Benenden since they don't have any upper age limits. Aviva or FlexPlus are perfect for families thanks to their complete dependent coverage. Staysure is a great fit for people with pre-existing medical conditions - they cover all but one of these conditions.

There's another reason to think over - policy duration. Admiral lets you get single-trip coverage for up to 365 days, and Staysure gives annual multi-trip protection for up to 183 days each year. Most providers throw in protection for winter sports or cruises without charging extra.

The best travel insurance gives you solid coverage at a good price. Budget-focused travelers might like Admiral's tiered system, while Diamond's zero excess payments could work well for those wanting premium protection. Whatever provider you pick, getting insurance right after booking your trip is definitely the best way to protect against unexpected problems.

Note that the priciest policy isn't always the best one - it's the one that fits your specific travel needs and gives reliable support when things go wrong. Now that you have this complete guide, you can pick travel insurance that gives real value and security for your next trip with confidence.

FAQs

Q1. What is the best travel insurance company in the UK? There's no single "best" company as it depends on individual needs. However, highly-rated providers include Aviva, Staysure, and LV=. Each offers comprehensive coverage with unique strengths, such as Aviva's flexibility for families or Staysure's specialization in covering pre-existing conditions.

Q2. How soon should I purchase travel insurance? It's recommended to buy travel insurance as soon as you book your trip. This approach, often called "ASAB" (As Soon As you've Booked), ensures you're covered for potential cancelations or other issues that may arise before your departure date.

Q3. Are pre-existing medical conditions covered by travel insurance? Many insurers do cover pre-existing conditions, but you typically need to declare them when purchasing the policy. Companies like Staysure and Benenden specialize in covering a wide range of medical conditions, though coverage may affect premiums.

Q4. What's the difference between single-trip and annual multi-trip insurance? Single-trip insurance covers one specific journey, while annual multi-trip policies cover multiple trips within a year. Annual policies can be more cost-effective for frequent travelers, with companies like Admiral offering coverage for unlimited trips up to 31 days each.

Q5. Does travel insurance cover COVID-19 related issues? Most reputable insurers now offer some level of COVID-19 coverage, including medical expenses if you contract the virus abroad. However, the extent of coverage varies. For example, Diamond Travel Insurance offers enhanced COVID-19 protection, including coverage if you test positive before your trip.