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Looking for travel insurance? Explore these amazing deals for 2025
Ready to travel the world in 2025? You've picked your desired travel destination and already know how to plan the perfect trip. But before you go, don't forget to consider what travel insurance will keep you protected during your holiday.
To keep you and your family financially protected during your trip, travel insurance is essential. However, it’s good to be aware that there can be quite a variety of travel insurance offers, as some focus on different types of holidays. To save you time and stress, compare the best travel insurance for your journey with our handy guide.
Do I really need travel insurance for my next holiday?
It can be tempting to think of travel insurance as an extra cost to your holiday that you can simply do without. But let's look at some reasons why you should always consider travel insurance when going away.
1. You could have a serious medical emergency at any point
Even if you are as careful as possible on your holiday, you could still fall ill or get injured. Should this happen, you could find yourself forking out large sums of money for medical fees. Travel insurance helps cover these fees, so you don't end up paying out of pocket.
2. Something unexpected may force you to cancel or suspend your plans
Life is full of surprises. Sometimes, something can crop up and wreck all your holiday plans. Worse, you may find that the travel company or airline you booked with won't cover any losses for your cancelled flight. When this happens, travel insurance steps in to cover the cost of non-refundable expenses.
3. Something could happen to your belongings while away
Belongings we take on holiday, such as clothing, electronics and other essentials, need protection against theft or damage. They may even get lost or misplaced during transit. Taking out a good travel insurance policy saves you from having to dip into your holiday funds to replace such items.
4. Your trip might be unexpectedly delayed or even cancelled
Say you've booked an adventure holiday and have several activities ready to go once you arrive. Then, you are told your flight is delayed, so you won't make it in time. Not only will travel insurance cover expenses caused by these delays, but it can also cover additional accommodation and meals.
5. You may have to pay for an accident or property damage
Having a car accident or causing damage to someone else's property is bad enough at home. Finding yourself in these situations on holiday can be extremely stressful, not to mention expensive. Travel insurance can handle certain personal liability claims in such situations.
6. You plan an activity that requires travel insurance
Do you plan on skiing, mountain climbing or scuba diving on your trip? If so, many companies require you to have travel insurance before they allow you to participate. Always check whether your insurance provider will cover you for the activity you wish to book for your trip.
7. In an emergency situation, you might need rescuing
In the case of a natural disaster or a serious medical emergency, you may need to be rescued and sent back home. Emergency operations can incur high expenses. Having travel insurance will help cover you in such emergencies.
How do I pick the best travel insurance for my needs?
Not all travel insurance policies are the same. Policies differ between companies, and there can be different options based on your type of holiday. Consider these steps when choosing a travel insurance policy that best suits you.
1. Work out the full details of the holiday you need coverage for
Consider how long you plan to travel, where you plan to go and what activities you want to engage in. These details will determine what sort of coverage you need and the overall cost. For instance, a short-term spa break requires less coverage than an extended cruise.
2. What sort of emergency situations does the policy cover?
Each policy will list what sort of emergencies it covers you for and how much. They often include coverage for medical expenses, emergency evacuations, delays and cancellations and loss of belongings. Go over each policy to be clear about what they cover, what they exclude and whether it is sufficient for your needs.
3. Compare different travel insurance policies
Gather several policies and compare what each one offers. Use online sources to check ratings and reviews to see whether they live up to their promises. Make sure to examine all the legal fine print so there are no hidden surprises.
4. Compare the overall cost of the policy with its benefits
Keep in mind that a cheap travel insurance policy may not give adequate coverage for your holiday plans. To find the best travel insurance deals, check the overall cost of your policy against the situations it covers you for.
5. Add additional coverage to your chosen policy where needed
Some travel insurance policies offer flexibility if emergency coverage is less than you need or excluded entirely. Consider extending or altering any part of your policy based on your situation or needs.
FAQs about travel insurance
Q: Which company has the best travel insurance?
A: When looking for travel insurance online, check online reviews and TrustPilot scores to find the best options. Some of the highest-rated travel insurance companies in the UK include AllClear, Staysure and Avanti. These companies have received high praise from customers for their coverage and overall customer service.
Q: What did Martin Lewis say about travel insurance?
A: Financial expert Martin Lewis said it's important to get travel insurance as soon as possible after booking a holiday. Not only is travel insurance designed to protect you during your holidays, but also before you travel should something go wrong. He recommends choosing between single-trip policies and annual travel insurance, depending on how often you travel.
Q: Is UK Post Office travel insurance good?
A: UK Post Office travel insurance comes with a range of advantages and disadvantages. It covers many activities, offers student discounts and has no upper age limit on single-trip policies. However, there is an upper age limit on annual-trip policies, and poor customer service has led to negative reviews online.
Q: Is it worth buying travel insurance at the moment?
A: If you're going on a trip at any point, it is vital to get travel insurance as soon as possible. Situations can change at a moment's notice, and travel insurance will see that you are not left out of pocket. Not only will it offer protection during your holiday, but it will also give you peace of mind in case something goes wrong.
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