What should be covered on a standard travel insurance policy?

Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

Can you explain more about family travel insurance?
If you are going on a family holiday, you could get a better deal by taking out family travel insurance.
Would you be better off getting annual travel insurance?
If you do a lot of travelling and envisage taking several trips in the next 12 months, it’s well worth considering annual travel insurance.
Does extreme sports insurance cover you for all hazardous activities?
You are in dangerous territory here. What kind of pursuits you can and can’t get up to will very much depend on your travel insurer’s particular extreme sports cover. If in doubt, look at your policy before you leap!
What is Form E111 and do you really need it?
Yes, if you are travelling within the European Economic Area, you should get the Form E111, which entitles most UK residents to free, or reduced- cost emergency medical treatment. However, you will still need appropriate travel insurance for complete peace of mind.
What does the term excess waiver mean?
When you get a quote for your travel insurance you may find that the policy is subject to an excess waiver. This means that you will be responsible for paying the first part of a claim.
Cancellation - if you have to cancel or curtail your trip due to illness, death, redundancy etc.

Missed Departure - through no fault of your own either from or to the UK.

Personal accident - that results in permanent disablement or death.

Personal Public Liability - should you injure a member of the public or damage their property.

Medical expenses - this should include cover for emergency medical treatment, hospitalisation, dental treatment and repatriation.

Loss of passport/driving licence - expenses to cover the cost of replacing either or both documents.

Personal luggage - cover up to specified limits if your personal possessions are lost, stolen or damaged.

Legal Expenses - to pursue damages or compensation for personal injury that occurs abroad.

24-hour worldwide emergency service - to assist with all the arrangements in the event of an emergency.