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The best travel insurance providers.

Updated March 26, 2024

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If you’re looking to escape the UK winter, or if you’re saving your holiday for the height of summer, you may wish to consider travel insurance. We explain what travel insurance is and some of the best policies on the market for your holiday.

In 2022, UK residents made 71 million visits abroad. This was over three times the amount made in 2021, when COVID restrictions kept many people at home. 

So if you’re part of a growing number of people spending time abroad, have you considered travel insurance? By taking out one of these policies you could be protected for lost baggage, delayed flights, and medical emergencies abroad among other unforeseen events.  

In this article we explain:

• What is travel insurance

What does travel insurance cover?

The best travel insurance.

• Travel insurance and medical conditions

Read more: Passport renewal costs and waiting times

What is travel insurance?

Travel insurance covers the cost of unforeseen events and mishaps that either stop you from going on holiday or affect you while you’re away.

Depending on the policy, travel insurance might cover you for:

• Medical bills if you suffer illness or have an accident while you’re away
• Cancellation of your trip for reasons outside of your control
• Lost or stolen baggage

Policies are usually relatively inexpensive and can give you the peace of mind that your costs will be covered if something bad happens while you are on holiday.

According to the Association of British Insurers (ABI), a trade body, the average claim on travel insurance in 2022 was a little over £970. So while travel insurance won’t stop bad things from happening, but it can prevent you from having to find the money to pay for unexpected costs even after you return from your holiday.

Read more: Ten budget travel tips

Many people opt to take out travel insurance to cover potential medical care while away.

Every week, 3,000 Brits need emergency medical treatment while abroad, according to the ABI. But travel insurance isn’t just about covering medical costs. It can protect you against a range of unplanned events:

• Cancellation or trip interruption for reasons outside your control
• Missed transport or delayed departure for reasons outside your control
• Personal injury and death, including medical evacuation
• Lost, stolen or damaged items, including baggage, passports and money – check if your home contents insurance covers you
• Accidental damage or injury caused by you

Does travel insurance cover cancelled flights?

Most travel insurers provide a basic level of cover for cancelled flights. Aviva’s travel insurance, for example, will pay out if your flight is cancelled due to an airport shutdown.

If your airline cancels your flight then you should claim a refund directly with them, so your travel insurance could cover other costs such as hotel bookings, vehicle rentals, and other possible excursions.

What are my rights during strike action?

If your flights are cancelled because air staff are striking, which they have over last summer, you might be entitled to compensation from the airline. But for this to apply, customers must have been given less than 14 days’ notice.

It also depends on whether the airline was at fault or not: so if it’s the airline’s staff who are striking, you should be entitled to compensation.

If you’re worried that your flights might be delayed or cancelled, you should also check your travel insurance policy.

Some policies cover you for a cancelled or delayed flight, provided you took out the policy before the strikes were announced.

But if you haven’t yet bought your insurance, you may be out of luck. This is because most insurers won’t cover you for strikes which were already known about.

Read how travel insurance could catch you out.

Below we’ve listed some of the best travel insurance providers on the market, all of which were nominated in Times Money Mentor awards 2023.

Times Money Mentor award winning cover

Best for over-50s

Post Office

Best for those with pre-existing medical conditions

Best for those wanting substantial medical cover  

Best for a range of unique add-ons

Looking for a new holiday destination?

Make sure to visit Times Travel for your holiday inspiration this year. From palm beaches in Fiji to the beautiful Italian coastline, Times Travel caters to all different tastes. Unlike other parts of the site, you also don’t need a subscription to enjoy their high-quality content.

Another notable provider

Despite not winning a nomination at the Times Money Mentor awards, this provider also offers a decent level of cover:

Switched On

The 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:

Just Travel Cover*

Best for cruise holidays

The 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.

InsureandGo*

Best for winter sports

What should a basic travel policy cover?

When shopping for travel insurance, you should ensure your policy comes with the following seven things as standard:

1. Medical expenses

This covers the costs of any emergency medical and surgical treatment while you’re away.

It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.

Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.

2. Repatriation

This is where you might need to be evacuated from the country you’re visiting.

Repatriation usually happens when you need to get back home to the UK in the event of a medical emergency and is usually covered as standard in most travel insurance policies.

3. Cancellation/curtailment

This covers any travel and accommodation costs you have paid for and can’t use or claim back.

You need a good reason to cancel your trip, so make sure you double check the terms and conditions of your policy.

4. Missed departure

This covers your extra accommodation costs and travel expenses should you miss your departure due to situations outside your control.

It usually includes your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.

This covers you for delays to your travel plans, such as severe weather conditions.

Delays known about before (such as strikes) won’t be covered.

6. Baggage cover

This should cover you if your baggage is lost, stolen, damaged or destroyed.

You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.

Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.

7. Personal liability cover

This should cover you if you are liable to pay damages due to:

• Accidental bodily injury to someone
• Or for loss or damage to someone else’s property
• Claims made by family members or employees won’t be covered

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For people over 50. Saga Health Insurance is a unique product designed by us specifically for our customers, and it’s only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high standards of quality and service. 

What extra cover can you buy?

To provide a peace of mind you might be able to add the following onto your policy too:

• Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy
• Gadget insurance – While you’re abroad you may wish to cover your laptop, phone, or tablet from theft or damage
• Golf equipment cover – Planning to tee off abroad? Then consider cover for moving your clubs overseas. This type of add on includes cover for your equipment if it is lost, stolen, or accidentally damaged

Read more: Is credit card travel insurance any good?

What is not covered by travel insurance?

Travel insurance won’t cover you for a risk that is known about.

For example, if you have a long-standing medical condition that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.

Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.

Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage then your policy won’t cover you if these items are damaged.

Each travel insurance policy will have specific things it won’t cover and this will vary depending on the provider. So it’s important to read the terms and conditions carefully.

What types of travel insurance can you buy?

There are two main options to choose from when taking out a travel insurance policy:

• Single trip — covers you for one trip of a specified length only
• Annual multi-trip — covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)

You need to make sure that either option of travel insurance covers you for where you are going, such as:

• Europe only
• Or the more expensive, worldwide policies (these either include or exclude the US)

But check first which exact countries providers include in their policies. For example, some policies include Turkey, Morocco, Tunisia and Egypt in their Europe insurance.

There is also specific travel insurance for backpackers, which offers extra cover for those who are likely to be away for an extended period of time or travelling to multiple destinations.

Also bear in mind that if you are doing any extreme sports like skiing or going on a cruise then you might need to buy an add-on.

When should I take out travel insurance?

It’s usually best to take out travel insurance as soon as you have booked your trip.

While many people think of travel insurance as something that covers problems while they are away, some policies cover you for issues, accidents and illnesses that stop you from being able to travel.

Cancellation is one of the main reasons that people claim on a travel insurance policy. If the cancellation happens before you have bought insurance then you wouldn’t be able to claim.

How much should I pay for travel insurance?

Your travel insurance premium will depend on a range of factors such as your age, health, type of policy, and destination. This is why an average travel insurance premium will likely be meaningless, so make sure to do your research and get a quote from several different providers before deciding on a policy.

Do I need travel insurance?

Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits such as cover for medical expenses.

We’ve already listed the benefits of having protection for unexpected medical costs above, and it remains pertinent if you’re travelling abroad and won’t have access to the NHS. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000 which was paid in full by their travel insurance provider.

Also consider that some visa applications require you to have a suitable travel insurance policy in place before you apply. If you’re applying for a Schengen visa to travel Europe you’ll need a policy in place which covers medical expenses up to €30,000 during your trip.

FAQs: Travel insurance and medical conditions

Many people solely take out travel insurance to protect themselves from medical expenses. According to the ABI, the average medical claim on travel cover is more than £1,300. Notoriously in the US, these figures run into the tens or hundreds of thousands of pounds.

So below we’ve answered some of the most common medical related questions on travel insurance:

Q. Does travel insurance cover pre-existing medical conditions?

Some insurers do provide cover for pre-existing conditions. However, it is vital that youflag these conditions during the application stage. If you don’t it could invalidate your policy.  

Q. Do you need to tell your travel insurance provider if you have a new medical condition?

If there is a significant change to your personal health then you’ll need to inform your travel insurance provider. This includes being diagnosed with a new long-term illness.

Failure to do so could invalidate your policy.

Q. Can you get travel insurance if you’re over 75 with medical conditions?

Yes. In fact, there are some providers on the market which tailor their policies towards an older demographic. For example, Saga has dedicated policies for over 50s and 70s.

* All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see  How we make our money  and  Editorial promise

Important information

Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

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Travel Insurance Underwriters

When shopping for travel insurance, you’ll see the term “underwriter” when reviewing a policy and may wonder “what is an ‘underwriter’ and what does it do?”

In this article, we’ll discuss the role of the underwriter, why they are a necessary part of travel insurance and which companies are currently considered to be the best in the business.

What Is an Underwriter?

All forms of insurance have underwriters – from home and auto to travel insurance. The role of the underwriter, which can be a person or a company, is to evaluate the risks associated with providing insurance coverage for benefits covered in the policy. For travel insurance, the underwriter looks at the risks to cover travel-related events, like trip cancellation, medical emergencies, lost luggage, etc.

Underwriters use actuarial and statistical data to determine the likelihood of a claim for events covered in the policy and what the potential cost of the claim would be. Factors in the data can include the number of claims broken down by traveler age, state of residence, trip cost, destination etc. Based on this analysis, the underwriter sets the premium rates for the insurance policy and decides whether to offer coverage to the traveler.

Reputable underwriters will have higher financial stability, as shown by their A.M. Best rating, and more importantly, may be more likely to approve claims.

If a claim is made, the underwriter will assess the validity of the claim and decide whether to pay the claim and how much to pay out.

In other words, the underwriter’s role is to evaluate and manage the risk associated with insuring travelers, and to ensure that the policy provides adequate coverage.

Who are some of the key players currently in the travel insurance underwriting industry?

National Union Fire Insurance Company of Pittsburgh, PA

National Union Fire Insurance Company of Pittsburgh, PA is a global insurance company with over a century of experience. Founded in 1901, they offer a wide range of insurance products and services, including property and casualty, professional and cyber liability in addition to travel insurance. The company is a division of American International Group Inc. (AIG).

A.M. Best has given the rating of “A” (Excellent) to National Union Fire Insurance.

National Union Fire Insurance underwrites policies for  AIG Travel Guard , which is owned by American International Group Inc.

BCS Insurance Company

The BCS Insurance Group consists of BCS Insurance Company (BCSI) and 4 Ever Life Insurance Company, along with parent company BCS Financial Corporation. They have more than 70 years of experience in multiple insurance lines including property and casualty insurance, employee benefits, professional liability, and commercial products in addition to travel insurance. BCS Financial is headquartered in Oakbrook Terrace, Ill.

BCS Insurance Group offers insurance and reinsurance to Blue Cross and Blue Shield Plans, their customers, and agents, and market specialized products for selected commercial insurance markets.

A.M. Best has given the rating of “A-” (Excellent) to BCS Insurance.

BCSI holds licenses in all 50 states and is an underwriter for Allianz Global Assistance .

Arch Insurance Company

Arch Insurance Company is a global provider of specialized risk solutions for clients across a wide range of industries, including travel insurance.

Arch Capital Group Ltd. (Arch Capital or ACGL), a Bermuda-based company, writes insurance, reinsurance and mortgage insurance worldwide with a focus on specialty lines. The company operates in North America, Europe, Bermuda, and Australia.

A.M. Best has given the rating of “A+” (Superior) to Arch Insurance.

Arch Insurance Company is the underwriter for and owner of  RoamRight travel insurance.

Nationwide Insurance

Nationwide Insurance is a diversified insurance and financial services business located in Columbus, Ohio. Nationwide Insurance offers a comprehensive range of products and services, including insurance for cars, homes, businesses, farms, and life, as well as retirement plans, annuities, mutual funds, and various other specialty products such as pet, motorcycle, boat, and travel insurance.

A.M. Best has given the rating of “A+” (Superior) to Nationwide.

Nationwide Insurance underwrites for  Trawick International  and  AXA travel Insurance.

Berkshire Hathaway Specialty Insurance Company (BHSI)

Berkshire Hathaway Specialty Insurance Company (BHSI), is a commercial insurance provider that includes GEICO, Forest River RVs, Ben Bridge and Helzberg Jewelers, See’s Candies and Dairy Queen among others.

BHSI has grown steadily, expanding into new territories and product lines. With exceptional financial strength the company is able to remain flexible to changing conditions.

A.M. Best has given the rating of “A++” (Superior) to Berkshire Hathaway.

BHSI underwrites for Berkshire Hathaway Travel Protection and Travelex.

Generali U.S. Branch, New York, NY

Based in New York, Generali U.S. Branch is the U.S. representative office of Assicurazioni Generali, S.p.A., an Italian multinational insurance company. Generali is in 50 countries and recently celebrated their 120 th anniversary in 2021.

They specialize in various insurance industries such as Property & Casualty insurance, Life insurance, Art insurance as well as Accident & Health insurance.

The U.S. Branch is licensed as a domestic insurance/reinsurance company in all 50 states and territories for all major business lines. The company offers underwriting services for various business lines, including travel insurance.

A.M. Best has given the rating of “A” (Excellent) to Generali U.S. Branch.

The Generali U.S. Branch is an underwriter for  Generali Global Assistance .

Starr Indemnity & Liability Company, New York, NY

Starr Insurance Companies have evolved from the first US-owned insurance agency in Shanghai in 1919 to a global insurance and investment leader with over a century of expertise.

They provide comprehensive commercial property and casualty insurance, accident and health insurance, and travel and accident coverage to businesses in 124 countries on 6 continents. Solutions are tailored to the needs of the international markets they work in.

A.M. Best has given the rating of “A” (Excellent) to Starr Indemnity & Liability Company.

Starr Indemnity & Liability Company underwrites for  John Hancock Travel Insurance .  

Crum & Forster

Crum & Forster specializes in providing a diverse range of insurance solutions for property and casualty, accident and health, and other specialty industries.

Medicare Supplement Insurance Plans are underwritten by the United States Fire Insurance Company, C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company.

The insurance companies within Crum & Forster are United States Fire Insurance Company. The North River Insurance Company, Crum & Forster Insurance Company, Crum & Forster Indemnity Company, Crum & Foster Specialty Insurance Company, Seneca Insurance Company, Inc., Seneca Specialty Insurance Company, First Mercury Insurance Company and American Underwriters Insurance Company.

A.M. Best has given the rating of “A” (Excellent) to Crum & Forster including United States Fire Insurance Company.

Crum & Forster currently underwrites for travel insurance companies like  CF Travel Insured International , which is a subsidiary of Crum & Forster, as well as Seven Corners and IMG under the United States Fire Insurance Company subsidiary label.

U.S. Specialty Insurance Company (USSIC)

U.S. Specialty Insurance Company (USSIC) is a subsidiary of Tokio Marine HCC, which is a leading specialty insurance group based in Houston, Texas.

A.M. Best has given the rating of “A++” (Superior) to U.S. Specialty Insurance.

USSIC underwrites for  WorldTrips .

Zurich American Insurance Company

Zurich is a leading multi-line insurer serving people and businesses in more than 200 countries and territories. Founded 150 years ago, Zurich offers a wide range of products and services, including Property & Casualty insurance, Life and Critical Illness insurance, Investment and Retirement Plans, General Liability insurance, and various other specialty products.

 A.M. Best has given the rating of “A+” (Superior) to Zurich American Insurance.

Zurich American underwrites for  GoReady Insurance .

As we’ve seen, underwriters play a critical role in travel insurance – by evaluating and managing the risk associated with insuring travelers, and ensuring the policy provides adequate coverage for them. Therefore, knowing the stability and strength of the underwriter is important.

However, since most people don’t have significant expertise in evaluating an underwriter, how can a traveler determine the quality of a particular underwriter?

The easiest way is to evaluate the travel insurance company itself by reading reviews, checking with other travelers, and looking at their Better Business Bureau (BBB) rating. If the travel insurer is reputable, it’s very likely that their underwriter is honest and reputable too. Well-known, reputable insurers work with well-known and reputable underwriters such as the ones we highlighted above.

Safe travels!

This article has been written for review purposes only and does not suggest sponsorship or endorsement of AARDY by the trademark owner.

Recent AARDY Travel Insurance Customer Reviews

Crispin Zanca

Kept it short ,sweet and to the point

No problems!

Jon Trister

Very helpful.

The agent Amanda who helped me in choosing the insurance demonstrated high professionalism. Thank you. Jon Trister MD

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Huge, efficient and immediate support from LV

Great experience with both LV Insurance + their buiding contractor DNH [in the SW], with what could have been a serious issue. Winter storms displaced a very large wall overnight with risk to life. No quibble support from LV within hours and DNH had building contractors sorting within days. Huge support + efficiency by both. Thank you.

Date of experience : 30 April 2024

Reply from LV=

Thank you for your kind words Brendan, we're pleased we could help! We'll pass your comment on to the team. ^Leigh

The sad part of all these "reviews" is…

The sad part of all these "reviews" is that the wuestions are loaded in favour of a good report. There is no place for a true discussion which gives oportunity to put the "personal" aspect. Sadly, everything is reduced to ticking the boxes/stars/whathaveyou! Business is business: the individual is only a means of getting it!

Date of experience : 22 April 2024

Thanks for getting in touch about your experience Allan. We're sorry you feel this way. We appreciate your feedback, and we’ll review our processes to see where improvements can be made. ^Charlie

As a customer, between 1-5 stars, how did I do?

The price was cheaper than any other right now. God only knows how having 24 years no claims, front and rear dash cams, parking in a secure car park for daytime and a locked garage at night can cause my premium to RISE SO RIDICULOUSLY!! It’s a shame my purse can’t be secured as much as my car, maybe it would be harder to plunder!!

Date of experience : 17 April 2024

it's good to hear we were competitive for you. ^Nic

Went online for car insurance for my ev…

Went online for car insurance for my ev and LV price and cover available was great, cheaper than last year!!

Date of experience : 24 April 2024

Thanks, it's good to hear we were competitive for you. Thanks ^ Dave

Normally a very efficient and…

Normally a very efficient and competitive car insurance company. Pity they tried to charge me an extra £300 over what I eventually had to pay.

Thank you for taking the time to leave us a review, are you able to get in touch and we'll look at this for you? For car insurance, please email [email protected]. Thanks ^ Dave

LV+ Extra policy was best on Comparison…

LV+ Extra policy was best on Comparison sites for Motor Insurance cover I was looking for. Still can't believe increases this year. My previous policy with AVIVA almost doubled. I think the general public are being ripped off. Anyway .. back to LV. Easy to take out this policy and a recognised company. I hope I don't need them but if I do it makes me feel more confident they will be supportive.

Date of experience : 18 April 2024

It's always nice to hear lovely feedback like this Mark ^Nic

Even p literite I…building and contents insurance

Even for a none computer literite I found the Website easy use. The questions needing to be answered were couched in easily understandable language. I got the same cover considerable cheaper than my renewal with saga. I am another avid listener to what Martin Lewis has to say.

Date of experience : 26 April 2024

Thanks for leaving us a review John, glad to hear you found our website easy to use. ^Leigh

Satisfied customer

As an existing customer l still find doing business with LV to be both value for money and easily completed.

Date of experience : 01 May 2024

I got what I was quoted for

I got my quotation and when I came to pay it was the price I was quoted, not like some companies where the price just crept up

Thanks for leaving us a review, glad it went smoothly for you. Thanks ^ Dave

Easy and straightforward insurance Company

Straight forward, easy to use this online site. Everything very clear on what you're purchasing. No hidden extras. Paper work emailed straight away. Very straight forward company. Plain English. No hidden extras, like some others insurers.

Good to hear! Thanks for taking time to let us know. ^Charlie

Awful company

Awful company. Can you explained how a simple accidental damage to drains claim has resulted in an over 200% increase in my premiums. Can you also explained why you have recorded the claim as subsidence on your system and with the MID. This has made it almost impossible to get insurance elsewhere. Also explain why all your call takers suddenly can't hear me when the inquiry gets a bit difficult to deal with. JOKE.

We’re sorry to hear you’re unhappy with the experience you’ve had with us. Please send an email to [email protected] and we'll get the right team in touch with you. Thanks ^ Dave

Morethan refugee

RSA,for whom I worked for many years, decided to discontinue writing motor insurance at my last renewal. Since I wanted a quality insurer, yours came out best, beating Aviva by £70.

That's great feedback and good to hear! ^Charlie

It's all about price

The insurance market is all about the lowest price with a company you feel you can trust. LV offered the best price. I hope I don't need to test out any of your other services ...

Date of experience : 15 April 2024

Thank you for taking the time to leave us a review. ^Charlie

just contacted LV over pet…

just contacted LV over pet insurance...fantastic customer service...no waiting ...extremely polite and friendly lady called Zoe answered the phone answered all queries....even phoned back with further info....nowadays thats amazing Well Done LV

Date of experience : 23 April 2024

Thank you for your kind words Neil, we're pleased we could help! ^Kieran

Online site easy to navigate ..

Online site easy to navigate ... competative cost of policy when viewed on a like for like criteria ... all well explained ... choice of breakdown / windscreen add-ons, again at sensible prices. All backed up by a top Industry name !

We loved reading this Catherine, glad to hear the website was easy to use! ^Kieran

LV Second Time Around

In these days of ridicules price rises for insurance it was refreshing to find a known and reputable name quoting sensible prices (still expensive). I have been an LV customer in the past and did have to use their services some years back which they performed very well. Hopefully I will not require their services this time, but should I, I am reasonably confident they will step up to the mark again.

We loved reading this John, it's always nice to hear! ^Heidi

Starting a new policy was so simple if LV can keep my car insurance at this price next year I will be signing up again and tell my friends to try LV when there car insurance is up for renewal

Date of experience : 25 April 2024

Thanks for leaving us a review Alex, it's good to hear we were competitive for you. ^Leigh

Easy To Use and Effective

Easy website to use to obtain quote and the accept the quote. Price was very competitive for a similar amount of cover to previous insurer,. I now have both vehicles and house insured with LV

It's always nice to hear lovely feedback like this Robert ^Nic

Whacked up premiums this year

Insured for four years with this Company. Not a single claim on two cars in all that time, no accidents, convictions, penalty points etc. Drive less than 2000 per year. More than 20 years no claims. Renewal request for exactly double last year's quote!!!! Makes no sense. Needless to say, obtained insurance with Tesco for half the amount quoted by LV.

Hi Barbara, we're sorry you’re unhappy with your renewal price. The UK car insurance market is experiencing an increase in both the number of claims and the cost to resolve. This is one of many reasons premiums are increasing. We’re doing everything we can to keep costs as low as possible for our customers. We go into more detail here: https://www.lv.com/gi/car-renew ^Leigh

Competitive quote from a well-known insurer

I have recently purchased and moved into a new property, and was keen to get a competitive quote for my Buildings Insurance with a well-known insurer. I insured my previous property with Allianz for many years and always had excellent service from them. They were also competitive when setting my annual premium for my cover. As LV is now part of Allianz, I am hopeful that I will receive the same high quality of service that I received from Allianz. I also found that LV were competitive compared to other big-name insurers, when I checked quotes from other insurers.

It's always nice to hear lovely feedback like this! Thank you. ^Charlie

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Coronavirus (COVID-19): Click here to find out more about our cover .   Travel Advice: You can also view the latest gov.uk travel advice here .

Travel insurance tailored to your holiday plans.

When you’re ready to start travelling again, you may be looking for a travel insurance policy that gives you a little extra reassurance. With a Leisure Guard travel insurance policy, you’ll have comprehensive cover as well as coronavirus cover as standard. What’s more,  you can tailor your policy to fit both your travel plans and your pocket.

Choose from three levels of cover and select either Single Trip insurance for one off trips, or Annual Multi-Trip insurance for year round cover. If you’re travelling more than once in the next 12 months, annual travel insurance lets you travel as many times as you like both in the UK and abroad, and could save you money. 

No matter which you choose, all our policies give you comprehensive holiday insurance as a starter – including high levels of cover for medical costs, cancellation and baggage. Add useful bolt-ons including Cruise upgrade, insurance for Winter Sports, Excess Waiver, Sports and Activities and more. Only pay for what you need.

*Prices based on an individual aged 18-35 travelling to Europe. 

Benefits of Leisure Guard Travel Insurance

• Up to £15,000,000 medical emergency & Repatriation cover
• Up to £7,500 cancellation & curtailment cover
• Cover for Missed Departure and Travel Delay included with all policies
• Up to £3,000 cover for your personal possessions
• Cover for loads of activities; with over 100 Sports and activities covered as standard
• 24hr emergency helpline in place should you need us while on your trip
• 5 Star Defaqto rated on our Premier and Premier Plus policies

What our customers think...

What is travel insurance.

Travel insurance helps you navigate all the things that could go wrong on holiday. So you don’t have to worry about the ‘what if’s’ and you can relax and enjoy your trip.

Travel insurance will be your safety net if you have a medical problem abroad, or lose your baggage. It covers the costs you can’t get back if you have to cancel your trip, and takes care of the little things that can cause a big panic when you’re away – like lost passports or your luggage not turning up at the airport.

There’s always a helpful voice at the end of the phone to assist, with emergency medical assistance available 24/7. And at Leisure Guard, we’ve got COVID-19 covered – see what’s included below…

What's covered

Emergency medical expenses.

This covers your medical costs, including repatriation cover to get you home. You’ll also be able to contact our emergency medical assistance team 24/7 for help if you’re ill or have an accident abroad. They’ll be able to liaise with medical professionals on your behalf and arrange to get you back home if needed. 

Personal Possessions

Cover for your bags and belongings.  This takes care of the things you couldn’t do without while you are away. It will cover your baggage against loss, theft or damage, and will provide reimbursement for those emergency purchases if your bags are delayed at the airport.

Cancellation & Curtailment

If you can’t go or need to come home early (for example, due to an illness) this covers the costs you can’t get back. This now includes cover for cancellation if you have been told to self-isolate by NHS Test and Trace within the 14 days before you’re due to travel. Terms and conditions apply, you can find out more about our COVID-19 insurance here .

Missed Departure / Connection

If your car breaks down on the way to the airport, or if public transport is delayed, this covers the cost to continue your journey, including any necessary travel and accommodation expenses.

Provided by AXA

Online claims.

We’re here if you need us. Leisure Guard now offer an improved claims experience, allowing you to submit a claim online seamlessly with AXA. Prefer to speak with someone, our claims lines are also still open.

Rated 5 Stars by Defaqto

Leisure Guard’s Premier and Premier Plus policies have been awarded a 5 Star Defaqto rating. This rating means that Leisure Guard customers who purchase either our Premier or Premier Plus policy, will be covered by one of the highest quality offerings on the market.

24/7 Access to an Online Doctor

In partnership with AXA, we’re delighted to include free 24/7 access to Medical Consultations via Doctor Please! to all of our Travel Insurance policies. Find out more

There's more...

With a Leisure Guard policy, you’re covered for a wide range of useful benefits, including cover for lost passports, mugging and travel delay as standard.  You can also add on Winter Sports Cover, Cruise Holiday Insurance and Gadget Cover. View the policy wording for full details here .

Why do you need travel insurance?

Let’s take a look at medical cover. A trip to A&E while you’re on holiday might put a dampener on your trip, but could also leave you out of pocket. Sky-high medical bills that run into 5 or 6 figures can be common in long-haul destinations like USA or the Far East, but what about closer to home?

If you’re travelling in Europe, you can still use your European Health Insurance Card (EHIC) or take out the new UK Global Health Insurance Card (GHIC) to reduce to the cost of treatment in EU countries under a reciprocal health agreement with the UK. But crucially, these only entitle you to the same treatment as residents of the country you are in – meaning they won’t necessarily cover all of your bills and won’t include the cost of air ambulance to get you back to the UK.

That’s where travel insurance steps in. You can access our multi-lingual emergency medical assistance team round the clock. They can liaise with medical practitioners on your behalf, arrange payments if you’re admitted to hospital and make arrangements for repatriation back home if needed. Or if you’re a walk-in patient, keep all your notes and receipts, enjoy your trip and claim once you’re back in the UK.

What if I have a pre-existing medical condition?

If you have a medical condition, be that a recent injury or long term health condition, it makes sense to find a travel insurance policy that will provide cover for it while you are on holiday. If you don’t let your insurer know about your conditions before you travel, it means any claim relating directly or indirectly to the condition could not be covered should you need medical treatment while you’re away.

We’re pleased to say that Leisure Guard policies offer cover for many pre-existing medical conditions subject to simple online screening.

When you get a quote online, just follow the questions on screen to go through to our secure medical screening page. You’ll be able to look up your medical condition or conditions, and answer some straightforward questions about your health and any treatment you’ve received. You’ll be given a decision right away. Some medical conditions can be covered on your travel insurance policy free of charge, and you may need to pay an additional premium to insure others.

Travel insurance cover for COVID-19

The way we travel could look very different for a while. Which is why we’ve made sure Leisure Guard policies offer you useful cover for the different ways in which COVID-19 could affect your trip.

All Leisure Guard policies include:

• Medical cover for COVID-19 abroad
• Cancellation cover if you test positive before your trip
• Covered to travel if Foreign, Commonwealth and Development Office (FCDO) advice changes due to COVID-19
• Accommodation and flights covered if you have to extend your trip to self-isolate due to a positive COVID-19 test abroad
• Cancellation cover if you’re denied boarding due to temperature reading on outbound journey

Terms and conditions apply. You can view our full policy wording online here , or take a look at our dedicated coronavirus information page here for more information about what’s covered.

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Leisure Guard Group and Leisure Guard Insurance Services are trading styles of Leisure World Developments Ltd. Leisure World Developments Ltd is authorised and regulated by the Financial Conduct Authority (FCA), under FCA number 927718. 

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