Compare travel insurance with Insurance Doctors
From skiing to sun-bathing, if you are looking for cheap holiday insurance why not use our online quote form to see how much you could save? Getting a quote is simple. Just fill in a few details on our travel insurance comparison form about you, any other travellers and your destination and we will return prices within seconds.
If you are travelling solo or booking insurance for a group of people or your family, we compare quotes from UK providers to help you find a cheap price and a range of cover levels to suit your specific needs.
You can choose from single-trip policies or annual cover if you like to take a few holidays each year. In your quote you can include baggage cover, winter sports cover and cancellation cover so the things that are important to you are included in your policy. Along with your travel quote prices we will also display if medical expenses cover is included so if something unexpected happens on your trip you don't end up with a large medical bill.
Travel Insurance Guide
For overseas travellers, things like luggage and passports are generally considered essential for the trip. But what about travel insurance? Far fewer people might consider this a travel essential, and yet it’s probably an important part of ensuring the trip goes smoothly, and of ensuring the traveller is not left out of pocket if something goes wrong.
Basic Travel Coverage
Regardless of what optional extras a traveller chooses, travel insurance for UK holidaymakers may include all of the following components.
Travellers might do well to remember to check the fine print, and make sure they’re covered for everything they think they are. This could be particularly important for things like cancellation and curtailment, when it’s important to be absolutely clear on what circumstances are included.
Note that few travel insurance policies provide coverage for pre-existing medical conditions. For example, for someone who is diabetic, their travel insurance won’t cover any medical expenses relating to the diabetes, but will provide coverage for any unrelated medical expenses. People with medical conditions could opt for special cover that includes the pre-existing condition, but might pay higher premiums.
Special Coverage Types
To compare travel insurance policies online, a traveller could look at all aspects of a policy as well as the cost of the premiums: excesses for various different components of the policy, payout amounts, the extent of medical coverage, and other things. Travellers who fall into a specialist groupsuch as people with pre-existing conditions, or those over 50might look at general travel insurance as well as specialist policies to see which is most useful.
It’s typical for travellers to require to compare policies from the same regions, and ultimately choose one that covers the destination country. Policies are grouped by area, with three general choices: Europe, worldwide excluding the US, and worldwide including the US.
Policy comparison might also include the policy’s treatment of excess when making claims. Some policies charge an excess for each type of claim; for example if a traveller is robbed and is injured during the robbery, they might be charged an excess for medical expenses, and a separate excess for reimbursement of lost property
Getting the Most Insurance for Your Money
To get cheap travel insurance, travellers could compare policies carefully and think about their specific requirements for each aspect of the policy. For example, someone who travels without valuables such as laptops and other electronics may be able to reduce their valuables coverage.
However, note that the cheapest insurance is not necessarily the best, especially for a traveller who falls into one of the specialist categories. In this case it could be better to pay more for insurance than to buy a general policy that doesn’t provide the necessary coverage.
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