uk health insurance travel

Get healthcare cover abroad with a UK GHIC or UK EHIC

The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay.

The UK GHIC has replaced the existing European Health Insurance Card (EHIC). If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you'll need to apply for a UK GHIC to replace it.

You can apply for a new card up to 9 months before your current card expires.

A UK GHIC is free and lasts for up to 5 years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply.

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC instead.

The UK GHIC is not a replacement for travel insurance. We advise you to have private travel and medical insurance for the duration of your trip.

We also recommend you check FCDO travel advice on GOV.UK for the country you're visiting.

You can apply for a UK GHIC if you're a resident in the UK. You can also add your family members to your application when you apply.

You'll need to provide your:

• date of birth
• National Insurance number
• Health and Care number (if you're from Northern Ireland)

Applying for family members

Every member of your family needs their own card. You can add your spouse, civil partner and children to your application when you apply. You must enter your own details first and apply for any additional cards when prompted.

If you've already completed your application and want to add additional family members contact NHS Overseas Healthcare Services . You'll need to give us your reference number, name, date of birth and address so we can access your record.

After you apply

After you've submitted your application, we'll email you within 24 hours to let you know whether it has been approved or not (if you don't get a reply, check your junk folder). We may need to see additional information or documents before approving it.

Once your application has been approved, you should receive your new card within 15 working days. It will be sent to you by post.

If you do not receive it before you travel, and need medically necessary treatment during your visit, you can apply for a Provisional Replacement Certificate (PRC) to get temporary cover. For more information, see "If you don't have your card with you" towards the end of this page.

If you have rights under the Withdrawal Agreement

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC rather than a UK GHIC. Like the UK GHIC, it's free and lasts up to 5 years. You can find out if you have rights under the Withdrawal Agreement on GOV.UK .

What your card covers

You can use your card to get state healthcare that cannot reasonably wait until you come back to the UK (sometimes called "medically necessary healthcare"). This includes things like:

• emergency treatment and visits to A&E
• treatment or routine medical care for long-term or pre-existing medical conditions
• routine maternity care, as long as you're not going abroad to give birth

You'll need to pre-arrange some treatments with the relevant healthcare provider in the country you're visiting – for example, kidney dialysis or chemotherapy – as it's not guaranteed that local healthcare providers will always have the capacity to provide this care.

Whether treatment is medically necessary is decided by the healthcare provider in the country you're visiting.

Not all state healthcare is free outside of the UK. You may have to pay for treatment that you would get for free on the NHS, if a local resident would be expected to pay in the country you're visiting.

Before travelling, you should check the state-provided healthcare services in the country you're visiting and any potential charges you may face.

Check the relevant country guide on GOV.UK for information on how to access treatment in the country you're visiting

What your card does not cover

A UK GHIC (or UK EHIC) does not replace travel and medical insurance or cover services like:

• being flown back to the UK (medical repatriation)
• treatment in a private medical facility
• ski or mountain rescue

We advise that you have a UK GHIC (or UK EHIC) and private travel and medical insurance for the duration of your trip.

Where you can use your card

You can use a UK GHIC when you're visiting:

• a country in the European Economic Area (EEA) – see a list of EEA countries on GOV.UK
• Jersey, Guernsey and the Isle of Man
• St Helena, Tristan and Ascension

You can use a UK GHIC in Switzerland if you're one of the following:

• a British national
• a Swiss national
• an EU citizen
• a stateless person
• a family member of someone who holds one of the above nationalities or statuses

The UK government is negotiating with other countries to expand the use of the UK GHIC, so always check coverage before you travel.

You can use a UK EHIC when you're visiting:

• Switzerland

Visiting Montenegro

You can get free emergency treatment in Montenegro but you'll have to pay for your prescribed medicines and for other medical treatment.

If you're a UK national, your UK passport will give you access to emergency healthcare in Montenegro.

If you're a UK resident but not a UK national you'll need your passport and a UK GHIC (or UK EHIC) to get emergency healthcare.

Getting healthcare in other countries

You'll have to pay for treatment unless the UK has a healthcare agreement with that country .

Check if you're eligible for a UK GHIC

You'll be entitled to a UK GHIC if both of these things apply:

• you're ordinarily and legally resident in the UK
• you do not have healthcare cover provided by an EEA country or Switzerland

There is information about what "ordinarily resident" means on GOV.UK

You may also be entitled to a UK GHIC if you're:

• living in the EEA or Switzerland with a registered S1 form
• living in the EEA or Switzerland with an A1 document issued by the UK
• a family member or dependant of an entitled individual already listed

Check if you're eligible for a UK EHIC

You may be eligible for a new UK EHIC if you meet one of the following criteria:

• you're living in the EEA or Switzerland and have been since before 1 January 2021 with a registered S1, E121, E106 or E109 form issued by the UK
• you're living in the EEA or Switzerland since before 1 January 2021 with an A1 issued by the UK
• you're a national of the EEA or Switzerland who has legally resided in the UK since before 1 January 2021 and are covered under the Withdrawal Agreement – you may not be covered if you are also a UK national or if you were born in the UK
• you're a family member or dependant of an entitled individual already listed

If your circumstances change and you no longer meet one of the above criteria, you may not be entitled to continue using the card and should contact NHS Overseas Healthcare Services .

You must be entitled to use your UK GHIC or UK EHIC at the time of the treatment. If you use it to access healthcare that you're not entitled to, you may be liable for the full cost of all treatment received or face prosecution.

Applying for a UK Student EHIC or UK GHIC

To apply for a UK Student EHIC or UK GHIC, you'll need a letter from your university or college showing:

• the name and address of the UK educational institution if you're travelling as part of your course
• the address of where you're studying in the EEA or Switzerland
• details of the qualification you're studying for
• the dates your study period in the EEA or Switzerland started and is due to finish
• your permanent residential address in the UK

If the letter from your university or college does not include your permanent residential address in the UK, you'll be asked to provide further evidence to confirm this.

This is in addition to the information set out in "How to apply" above.

Students studying in the EEA or Switzerland applying for a UK Student EHIC or UK GHIC

If you normally live in the UK and have been studying in the EEA or Switzerland since before 1 January 2021, you may be eligible for a new UK Student EHIC for use in the EEA, Switzerland and your country of study.

If you started your course after 1 January 2021, or you're planning to study in an EEA country or Switzerland, you'll need to apply for a UK Student GHIC.

Using a UK GHIC (or UK EHIC) when abroad

You should take your UK GHIC (or UK EHIC) with you when you travel abroad. If you need medically necessary treatment, you'll need to present the card to the hospital (or other service provider) that is treating you – make sure that you are being treated at a public health provider and not a private one. Keep all receipts and paperwork.

Depending on the country you visit you may be expected to pay all or part of your bill upfront and then claim a refund afterwards.

Some countries ask patients to pay a contribution towards the cost of their care. This is known as a co-payment or patient share. You can claim back the difference between the total bill and the co-payment, but the actual co-payment is not refundable.

Your UK GHIC or UK EHIC will not cover costs that a local resident would have to pay.

If you don't have your card with you

If you need emergency treatment when you're in another country and do not have your UK GHIC (or UK EHIC) with you, you can apply for a Provisional Replacement Certificate (PRC). A PRC gives you the same level of cover as a UK GHIC or UK EHIC.

A PRC also covers you if you've applied for a UK GHIC or UK EHIC and it has not arrived yet.

Find out more about PRCs and how to apply for one

You'll need to pay in full for treatment if you do not have a UK GHIC, UK EHIC or PRC. You should ask for a copy of your invoice and obtain a receipt.

How to claim a refund

To claim a refund for healthcare covered by your UK GHIC or UK EHIC, you'll need to download and fill in a refund claim form and send it to NHS Overseas Healthcare Services. You should include receipts and any supporting documents with your claim form.

Find out how to claim a refund for healthcare covered by your UK GHIC or UK EHIC

Incorrect charges for treatment

If you think you've been incorrectly charged for medical treatment, contact NHS Overseas Healthcare Services .

Keep all documents relating to your treatment. You may need to provide more information to confirm your eligibility and the cost of the treatment you had. This could include:

• receipts or invoices relating to treatment
• confirmation that the treatment was state-provided
• confirmation of payments made to healthcare institutions
• documents relating to insurance cover if your insurer paid for treatment
• discharge documents

NHS Overseas Healthcare Services will look at your claim to decide whether you were charged when you should have been covered. If they determine that your treatment should have been covered by the UK GHIC or UK EHIC, they'll reimburse you or your insurer for the costs of treatment that are covered by your card.

If you suspect GHIC or EHIC fraud

If you suspect that somebody has fraudulently applied for or used a UK GHIC or UK EHIC they are not entitled to, you can report this to the NHS Counter Fraud Authority .

Alternatively, you can email your concern to [email protected] Only emails about the misuse of GHIC or EHIC will be responded to.

Page last reviewed: 12 December 2023 Next review due: 12 December 2026

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UK Travel Health Insurance

If you’re planning on visiting the UK, you are advised to take out travel health insurance in order to cover potential healthcare costs during your stay.

For more information about your visit to the UK, don’t hesitate to get in touch with one of our trusted legal advisors today on  0333 305 9375 , or contact us  online .

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Who Needs Travel Health Insurance When Visiting the UK?

If you’re planning to visit the UK from a country outside the European Economic Area (EEA) for less than 6 months, it is recommended that you take out valid travel insurance cover for the whole duration of your stay to help pay for medical care.

If you’re visiting from the EEA, you are entitled to free healthcare with a valid European Health Insurance Card (EHIC), Provisional Replacement Certificate (PRC) or S2 form.

However, it is also advised that you take out travel health insurance in case of other unexpected expenses and incidents that may occur during your visit, such as repatriation costs or lost or stolen property.

If you’re staying in the UK for more than 6 months, you will have to pay the  Immigration Health Surcharge (IHS)  unless exempt. You will normally have to pay the fee for the IHS when submitting your visa application for your stay.

Paying the IHS allows you to access NHS services. However, it may still be advisable to take out private health insurance on top of that for other services not covered by the IHS during your stay in the UK.

Why Should I Take Out Travel Health Insurance When Visiting the UK?

Travel insurance is an important part of any trip, especially if you end up requiring unexpected medical care during your stay.

If you are visiting the UK from a non-EEA country, you will be charged at 150% of the standard NHS rate if you have not arranged insurance. As a result, it’s essential that you purchase travel insurance with medical cover before travelling to the UK so you can reclaim any healthcare costs you are required to pay from your insurer.

Travel insurance is also important as your pre-existing health insurance policy may not cover you outside of your home country, or its international coverage may be limited.

In addition, there is also the possibility of falling ill unexpectedly, suffering accidents, illness, or needing medical care because of pre-existing conditions.

Travel health insurance may also help to cover costs if your travel or accommodation plans change unexpectedly or if you misplace important documents such as your passport or airline tickets. Many insurance policies will provide you with assistance with these matters as well as reimburse you if there will be any financial costs incurred.

What Should My Travel Health Insurance Cover?

Your travel health insurance to the UK should cover most of the following:

• Emergency medical expenses, including ambulance, medication and hospital fees
• Medical treatment for pre-existing medical conditions
• Personal injury and accidents
• Repatriation costs
• Reimbursement for any unused travel and accommodation costs should your trip be cut short
• Cover for lost or damaged items, including luggage, passports, credit cards, money or airline documents
• Emergency legal aid and translation services
• Assistance in finding suitable medical facilities in the UK

It’s important to check that the travel insurance cover necessary travel and healthcare needs to make sure you can get the treatment and medical care abroad during the period of your visit.

Insurance is particularly important for those with pre-existing medical conditions. You must tell your insurance company about any pre-existing medical conditions you have to make sure you can get the cover you need. In some cases, you may have to take out specialist cover rather than standard cover for this.

It’s advised to speak to your doctor for advice before you travel and make plans for how to care for your condition when you are in the UK. You should also bring your health condition identification or a letter saying what medication you are taking.

What Isn’t Covered By Travel Health Insurance?

Travel health insurance policies often have exclusions, which are specific situations or circumstances that will not be covered by the insurance policy.

For example, not declaring your pre-existing medical condition to your insurer will mean that you won’t be able to claim for medical care related to your condition during your trip.

In addition, you likely won’t be able to claim back costs if you do any of the following:

• Travel against government advice, such as if the country you’re travelling from places an active travel warning on the UK
• Travel despite known events, such as natural disasters or pandemics
• Incur losses due to carelessness or lack of reasonable safety measures, such as leaving your belongings unattended in a public place
• Engage in reckless behaviour, such as ignoring safety protocols, safety instructions, or if you injured yourself under the influence of drugs or alcohol
• Break the law, such as violating local traffic laws

In addition to these, if you cancel or change your plans for any reason not listed in your base plan, you won’t be able to claim the costs on your insurance.

However, most insurance providers will provide an optional Cancel For Any Reason coverage to your policy that will allow you to change or cancel plans for any reason and claim back some or all of the money.

It’s essential that you familiarise yourself with the details of your insurance policy carefully before setting off on your trip to the UK. Many travel health insurance policies have strict guidelines on what they do and do not cover, so it’s important to know what these are in order to prevent unexpected costs during your trip.

What Else Should I Look For When Taking Out an Insurance Policy?

As previously mentioned, it’s essential that your insurance policy covers any essential travel and medical expenses that may be incurred during your visit to the UK, especially if you have a pre-existing medical condition.

In addition to this, you should also consider the following:

Who You’re Travelling With

If you’re travelling with other people, it may be cheaper and more convenient to get a single insurance policy that covers the whole party rather than individual policies for each person.

For example, many insurance providers offer travel health insurance for couples, families, or groups of friends.

Note that if a person in your party has a pre-existing medical condition, they may require their own individual specialist cover separate from the rest of the group due to differences in coverage plans.

You may find travel health insurance more expensive if you’re over the age of 65. As a result, you may have to look for specialist policies for older travellers to ensure that you have the coverage you need.

Sports or Recreational Activities

If you plan to take part in sports or recreational activities, you will need to ensure that your travel health insurance covers these. This is especially the case if they’re considered to be high-risk activities, such as surfing, BMX, scuba diving, or winter sports.

Method of Travel

It’s worth noting that some methods of travel such as cruises or budget airlines may be excluded from certain travel insurance policies. You should always make sure that your method of travel is covered by your policy, in case of unexpected delays, cancellations or complications.

Add-ons and Extensions

You may wish to purchase additional add-ons or extensions to your travel health policy. For example, if you’re bringing a lot of expensive gadgets or equipment with you to the UK, you may want to purchase extra gadget cover as part of your insurance policy.

Additionally, you may want to add on additional Cancel For Any Reason cover if you want greater freedom and flexibility in being able to change or cancel your travel plans for reasons not covered by your base policy.

Do I Need Single Trip Cover or Annual Multi-Trip Cover for my Trip?

You can buy either single trip cover or annual multi-trip cover before your departure.

Single trip cover only grants you insurance coverage for a single holiday. Your coverage can start either as soon as you book the holiday or the date of your departure, and will end as soon as you come home.

Meanwhile, annual multi-trip insurance grants you coverage for every single trip you take within a 12 month period. The trips you take during this time may be limited to a certain length of time – for example, 31 days.

It may be cheaper to get annual multi-trip cover if you’re planning to go on several trips in a 12 month period. However, if you’re not planning on making many other trips other than your single trip to the UK, it may be cheaper to stick to single trip cover.

If you’re unsure about how many trips you might take in the next 12 months, it may be cheaper and easier to take out an annual multi-trip policy so you know you are covered if you do decide to go abroad.

It’s always best to carefully examine your own circumstances and plans to see which specific type of cover will be more cost-effective and suitable for you.

When Should I Buy Travel Health Insurance?

It’s usually recommended to buy travel health insurance as soon as you’ve booked your trip, or as soon as you’ve made a financial commitment towards it.

This is because it’s best to be covered in the event of your trip being cancelled prior to your departure. Having a valid travel insurance policy will protect you in case any of the following happens:

• Your trip is cancelled due to weather, or other uncontrollable circumstances
• You have to cancel your trip due to personal reasons, such as a bereavement
• You become too ill to travel
• You’re made redundant before your trip

If any of these happen, it may be the case that your insurer could cover some or all of the costs of your trip.

If you’ve left it late to buy travel health insurance before your visit to the UK, it’s still worth looking for insurance providers who will be able to provide you with quick and immediate cover. You just need to ensure that you’ve not yet left home for your trip and that the insurance policy covers everything you need for your visit.

How Much Does Travel Health Insurance Cost?

How much you will have to pay for travel health insurance depends greatly on a number of factors, such as your age, your health, the length of your trip and the complexity of the cover you need.

The specific figures you’ll pay for your insurance will vary based on your country of residence and the insurance company you choose.

Note that the information below uses British travellers buying insurance for trips away from the UK as an example.

The difference between a single trip and annual multi-trip insurance can be reasonably small. For example, British travellers travelling to Europe may pay around £9 for single trip cover but around £12 for annual multi-trip cover.

The average price for older travellers is also much higher. The average price of a single trip cover for British adults travelling to Europe in their 30s, 40s or 50s maybe around £11. However, this figure jumps up to around £30 for people in their 70s, and over £100 for people in their 80s.

How comprehensive your insurance coverage is will also affect the price. A policy that offers higher levels of coverage will cost more than a policy with basic level coverage, as well as offering lower levels of excess.

For British travellers taking our multi-trip cover to Europe, a cover with £1,000 worth of cancellation cover will cost around $17. For £2,000 cancellation cover, this price rises to around £24. For £3,000, it rises again to around £32.

These prices also rise in a similar way when buying couples, group or family travel health insurance cover.

You will also have to pay additional costs on your insurance policy if you have a pre-existing medical condition or choose to add optional extra cover such as for gadgets, winter sports and Cancel For Any Reason coverage.

Which NHS Services Are Free for Visitors?

When you visit the UK, you will be able to take advantage of certain NHS services that you don’t have to claim for on your travel health insurance.

As a result, you will not need to claim on your insurance if you take advantage of these services during your visit. These include:

• A&E services (not including emergency medical treatment if admitted to hospital)
• Family planning services (not including abortions or infertility treatment)
• Treatment for most infectious diseases, including sexually transmitted infections (STIs)
• Treatment required for a physical or mental condition caused by torture, female genital mutilation (FGM), domestic violence or sexual violence (does not apply if you have come to the UK to seek this treatment)

In addition, if you’re visiting the UK and need to see a GP, you can register as a temporary patient with a local GP practice.

You will need to be in the area for more than 24 hours but less than 3 months in order to do this.

However, it will be up to the GP practice whether to accept new patients, even if you’re only looking to become a temporary patient.

Other NHS services, such as hospital treatments and prescription medicines, are not free without a valid EHIC, PRC or S2 form or if you’re from a non-EEA country. You should consider travel insurance packages that provide cover for such medical costs and others outside the NHS services.

For assistance with with your visit to the UK, contact us today.

How Can IAS Help?

If you’re planning to travel to the UK, it’s essential to ensure that you have the right coverage to help assist you in the event of accidents, injury or unexpected incidents.

If you have any questions about your trip to the UK, including what type of insurance you need, what type of healthcare you’re entitled to, or what to do in the event of an emergency, IAS is here to help.

We are specialists and immigration lawyers who specialise in advising visitors to the UK as well as assisting them to obtain the right permits and visas and travelling to the UK. We can help advise you on how to get the right insurance cover for your trip, as well as any other concerns you may have about your visit to the UK.

For more information, don’t hesitate to get in touch with one of our trusted legal advisors on  0333 305 9375 , or contact us through our form  online .

We can help you if you need help with your visit to the UK.

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Written by Immigration Advice Service

Editorial team.

This content was developed by a team of researchers, writers, SEO specialists, editors, and lawyers who provide valuable information to those with immigration queries.

Legal Disclaimer

The information provided is for general informational purposes only and does not constitute legal advice. While we make every effort to ensure accuracy, the law may change, and the information may not reflect the most current legal developments. No warranty is given regarding the accuracy or completeness of the information, and we do not accept liability in such cases. We recommend consulting with a qualified lawyer at Immigration Advice Service before making any decisions based on the content provided.

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All medical conditions considered

Includes 24/7 outpatient medical support

Under 18's with no medical conditions go free

A choice of travel insurance to suit you

We have different types of cover for whatever you have planned. And we consider all medical conditions.

Single-trip cover

Offering cover for anything from a short UK break to a year of travelling around the world

• Covers you for a one-off trip up to 365 days (2)
• Perfect for short or long trips for anywhere in the UK or abroad 
• No age limit

Annual multi-trip cover

Travelling more than once this year? An annual multi-trip policy could save you time and money

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years

Backpacker cover

Looking for a gap year, career break or to travel the world? We could have the cover you're after

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions
• Available for those aged 18 – 60

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing that health professionals are just one click away.

Medical Assistance Plus (3), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re abroad.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

(3) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can’t help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

(4) Increased to £750 if you bought your foreign currency from Post Office.

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

What is travel insurance?

Travel insurance may be able to protect you against a range of unexpected events. From losing valuables to medical emergencies, and anything else that could spoil your holiday. Take a look at our policy documents to make sure that you’re getting the cover that meets your needs.

Cancellation and cutting short your trip

• Emergency medical expenses
• Missed departure
• Delayed departure

Personal liability and legal costs

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy. This includes pre-booked activities and excursions, car hire, cattery and kennel fees, up to the limits shown

We may be able to help if you need emergency medical treatment, return to the UK (getting you back home) and more while you’re abroad 

Missed departure (6)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Delayed departure (6)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged 

You'll also get protection for any unexpected legal costs you might be charged while you're away 

(6) Delayed and missed departure are only available with our standard and premier cover levels.

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Cover you can count on. We’ve paid out over £177 million in travel insurance claims since 2007

Common travel insurance questions, what does travel insurance cover.

Post Office Travel Insurance can cover you for a single trip of up to 365 days(2), or multiple trips in a single year. This applies to trips taken anywhere in the UK and abroad too. We also offer backpacker cover(7) for a single trip of up to 18 months.

The type and level of cover provided depends on the insurance policy type and options you choose. It can include cover for:

• Cancellation
• Cutting your trip short and abandonment of your trip
• Lost, stolen or damaged baggage
• Lost, stolen or damaged passports
• Lost, stolen or damaged personal money
• Personal accidents and liability
• Legal protection

You can add additional cover to your policy. Options include:

• Gadget cover
• Excess waiver
• Trip disruption
• 45- or 60-day trip extensions (on  annual multi-trip  only)

Winter sports cover  is compulsory for winter sports trips and  cruise cover  is mandatory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons you can buy. This way, you’re sure to be fully covered for your trip and all you’ll do on it.

Why is it important to have travel insurance?

Having travel insurance is a worthwhile purchase for anyone going abroad for their holidays. Even in relatively safe locations such as central Europe, a number of things can go wrong.

Flights can be delayed. Airlines can lose your luggage. Tourist areas may be prone to opportunist thieves who may target your belongings. And you could fall ill anywhere in the world, to the detriment of your holiday plans.

We hope that none of these events happen to you. But, if they do, you could be out of pocket. And with emergency medical problems it could be by tens or even hundreds of thousands of pounds.

Holiday insurance may be able to help avoid some of this risk. It’s a way to insure for travel you, those travelling with you and your belongings.

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get replacements.

In particular, the medical cover outside of the EU offered by insurance is a necessity.

Within the EU, you may think that an  European Health Insurance Card (Ehic) or its replacement, the UK Global Health Insurance Card (Ghic), can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They're limited to health cover and won’t help at all with things like cancellation, loss or theft. And the Ehic no longer provides access to healthcare for UK nationals travelling to Iceland, Liechtenstein, Norway or Switzerland.

Even if you’re staying in the UK for your break , having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances.

To qualify for cover on our annual multi-trip policies, UK trips must consist of:

• At least one night's pre-booked and paid-for accommodation, or
• A stay at least 100 miles from your home, or
• At least one sea crossing

Why choose Post Office?

You’re in safe hands with Post Office. We won Best Travel Insurance Provider at the Your Money Awards in 2021, 2022 and 2023. We also won bronze for Best Travel Insurance Provider at the British Travel Awards 2023, voted for by the UK public.

Our premier cover is 5 Star Defaqto Rated. Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

We have a range of cover options available to suit lots of different holidays, so you can choose the cover that suits you best. We’re there for our customers when they need us the most; since we launched travel insurance in 2007, we’ve paid out over £177 million in claims.

What cover is there for Covid-19 as standard?

Policies purchased from the 31 March 2022 onwards provide cover if:

• you test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body 
• a medical practitioner certifies you as too ill to travel due to Covid-19 
• you, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority 
• you, an immediate relative (8) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19 

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• you test positive for Covid-19 after you’ve left the UK and have to self-isolate
• you test positive on arrival in your destination and are not allowed to continue your trip
• you, an immediate relative (8) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our  trip disruption cover upgrade option. This gives you added protection against missed departures and expenses incurred due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

For policies sold on or after the 31 March 2022

Should the FCDO advise against all travel to your destination, there's no cover under any section of the policy if you decide to travel. 

If the FCDO have advised to only undertake essential travel to a destination and your trip's not essential and you choose to travel, we'll only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you've purchased an optional trip disruption cover upgrade. You may be able to travel with full cover if we authorise in writing that your trip's essential before you depart. Should you like to request this, please email  [email protected]

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

Does Post Office Travel Insurance cover medical expenses?

Yes, our travel insurance covers you for unexpected medical expenses. This includes emergency treatment and hospitalisation, plus repatriation if you need it. Cover's provided up to the limit specified in the policy wording for the specific cover level you choose.

Emergency medical assistance

If you need emergency medical assistance, you can call our dedicated team. They're here 24 hours a day, 7 days a week to get you the help you need. Check the correct contact details for your policy on our travel insurance help and support page .

Non-emergency medical support

If it’s not an emergency but you still need to see a medical professional, you can use our Medical Assistance Plus (3) service. This outpatient service is included free with all new Post Office Travel Insurance policies.

Get easy access to medical experts such as doctors, dentists and gastroenterologists. The single online platform can be used wherever you are abroad.

Choose whether you’re seen at a clinic, in your hotel or via an online video consultation. All sessions are in your own language. They even have prescriptions delivered to your nearest pharmacy.

This takes away the stress of finding medical help, so you can kick back and enjoy your holiday to the full.

Do I need travel insurance for UK trips?

We provide cover whether you’re taking a break in the UK or going on holiday overseas. You’re covered if your luggage or personal belongings are lost, stolen or damaged while you’re staying away from home in Britain. And if you have to cancel or cut short your trip in some circumstances, we can cover that too. As long as it matches the reasons set out in your policy.

Our annual multi-trip travel insurance can cover you for UK trips too. The minimum requirements are one night’s pre-booked and paid accommodation. Or your stay must be at least 100 miles from your home. Or you must have at least one sea crossing.

Where can I go on holiday in the UK or overseas?

The UK Government provides guidance on travel 24 hours a day, 7 days a week. Visit the Foreign, Commonwealth & Development Office website for the latest travel information. It lists if it's safe to visit your chosen country. This information can change at short notice. So it's a good idea to check the FCDO page regularly.

Remember, your cover won’t be valid if you travel against the FDCO advice of all travel, and local government advice. Check the latest on the FCDO site or read our  where can I go on holiday guide .

Does travel insurance include gadget cover?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit. The single article limit depends on the cover you’ve taken out. For economy it’s £150, for standard it’s £250, and for premier it’s £400.

Gadget cover  is an optional add on you can buy at any time to add protection for your devices. Check the  policy wording for full terms.

Do you offer a student discount?

Yes, we do. We’ve partnered with Student Beans to offer a discount to students. To claim it, you’ll need to either  register for a Student Beans account (to verify your student status) or  log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

(7) Backpacker policies only available on the economy level of cover.

(8) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiance/e, your children (including adopted and fostered), grandparent , grandchild, parent- in- law, daughter-in -law; sister-in-law, son-in- law, brother- in- law, aunt, uncle, cousin, nephew, niece, step-parent, step- child, step-brother, step-sister or legal guardian.

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

We’re here to help on your travels

Access your travel insurance policy anywhere.

You can buy travel insurance and view your policy all in our free Post Office travel app. Plus you can order and top-up our Travel Money Card wherever you are too

Travel money made easy

Buy your travel money online. You can click and collect from a branch near you or choose next-day delivery to your home

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

Things you need to know

(2) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

• 365 days for persons aged up to and including age 70
• 90 days for persons aged between 71 and 75
• 31 days for persons aged between 76 and above

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Foreign travel insurance

If you’re travelling abroad, you should take out appropriate travel insurance before you go.

If you travel internationally you should buy appropriate travel insurance before you go, covering you for existing physical or mental health conditions (including those currently under investigation) and any activities you will be doing whilst you are away.

If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds. For example:

You should buy your travel insurance as soon as possible after booking your trip. Read the small print and familiarise yourself with any exclusion clauses for the policy.

The Association of British Insurers (ABI) represents over 300 insurance and long-term savings firms. Read the ABI’s advice on travel insurance , and their  guide on choosing the right travel insurance policy . In addition, see the MoneyHelper travel insurance directory for further information.

In addition to making sure you have appropriate insurance, you should also check Foreign, Commonwealth & Development Office (FCDO) travel advice and sign up to alerts for your destination. If you travel to a destination where FCDO advises against all but essential travel or all travel, your insurance may be invalidated.

When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf.

What your travel insurance should cover

Check whether your policy covers:

• the full length of your trip (many policies have a maximum trip length and/or an annual limit on how much time in total you can spend outside the UK)
• treatment in state or private hospitals (emergency treatment and hospital bills can be enormously expensive)
• emergency transport, such as an ambulance: this is often charged separately to other medical expenses and emergency travel home on medical grounds can be very expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if there are related complications during your trip; failing to declare something may invalidate your travel insurance
• all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance or an add-on for some activities)
• all the places you intend to visit, even if only in transit, in case anyone needs emergency treatment in a transit country
• repatriation costs if you or a family member die abroad
• getting home after medical treatment if you cannot use your original ticket
• reasonable costs for a family member or friend to stay with you, or travel out to accompany you home if required

Check also whether:

• the insurance provider has 24-hour assistance helplines to offer support and advice about appropriate treatment
• the insurance policy provides cover if an airline or travel agent goes out of business – typically this is not covered. ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA) . Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover

If you are going on a cruise, check the booking conditions of the operator you plan to sail with as cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment.

Specialist health and medical insurance

If you have a serious medical condition, you may need a specialist insurance provider or policy. The British Insurance Brokers’ Association (BIBA) has a Travel Medical Directory which has a list of specialist providers who cover serious medical conditions. 

A Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) allows you to access state-provided medically necessary healthcare within the EU, Switzerland and some other countries on the same terms as residents of these countries.

EHIC and GHIC are not alternatives to travel insurance as they do not cover any private medical healthcare costs, repatriation or additional costs such as mountain rescue in ski resorts.  

Some insurers may waive any excess on medical treatment if you use an EHIC or GHIC. Check the terms of your policy or contact your insurer to see if this is the case.

Find out more about the EHIC and GHIC, including how to apply for one free of charge .

Policy exclusions to look out for

Check how or whether an insurance policy covers:

• alcohol and drugs: most travel insurance policies do not cover events that happen after you have drunk excessive alcohol or taken recreational drugs or other substances
• high risk destinations: many travel insurance policies will not cover travel to a high risk destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all but essential travel or all travel. Check your policy wording and the relevant country travel advice pages before booking your trip and buying insurance
• mental health conditions: you must declare mental health conditions or risk invalidating your policy. Be aware that some may exclude cover for treatment related to a pre-existing mental health condition. See foreign travel advice for people with mental health issues  for more guidance
• age restrictions, particularly if you are buying an annual policy: read the Money Advice Service and the ABI guidance on insurance for older people (PDF, 411 KB) for advice on how to choose the right level of cover, get the best deal, make a travel insurance claim and guidance for travellers over the age of 65 or with pre-existing medical conditions
• sports such as bungee jumping, jet skiing, winter sports or skydiving: these are not usually included in standard policies
• use/hire of quad bikes or mopeds: they are not usually covered
• driving overseas: if you’re hiring a car, check what you’re covered for with the hire company; if you are driving your own vehicle, check your motor insurance policy to see what it covers; check our advice on driving abroad
• terrorist acts: most travel insurers offer only limited cover for terrorist acts but some offer policy add-ons to provide additional cover if there is a terrorist attack in your destination; this may include cancellation cover, if your destination is affected by a terrorist attack before your trip and you no longer wish to travel; as a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in an attack
• natural disasters (such as an earthquake or tropical cyclone): some policies only offer limited cover for claims related to or caused by a natural disaster
• civil unrest, strikes or other industrial action: you may not be covered for some claims that arise from these kinds of incidents, especially if they were known publicly when you booked your trip and/or bought your travel insurance policy

Insurance for extended periods of travel

‘Long-stay’ travel insurance can cover extended periods of continuous travel. Check carefully the maximum duration allowed in any policy you consider buying to ensure that it meets your needs.

Make sure that the entire policy meets your needs, including specific activities and work (paid or unpaid) you may undertake.

Insurance if you live abroad or go for work or study

Travel insurance is not intended for permanent residence abroad. If you live overseas, or you’re planning to move to a different country to live, work or study, you should consider your insurance needs carefully.

Read the healthcare guidance in the Living in country guides for the country where you live to ensure you have the right healthcare arrangements for your circumstances.

You can buy private medical insurance for UK expatriates. Local law may require you to have medical insurance, including as part of a visa application.

You can buy insurance from local providers abroad. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in the future.

Support for British nationals abroad

Support for British nationals abroad explains how the FCDO can provide support to British nationals if things go wrong abroad.

Updates to this page

Guidance fully reviewed and updated, including updated costs of emergency treatment. New 'Specialist health and medical insurance' section added.

Reviewed and updated guidance in full.

Updated guidance on using an EHIC or GHIC to access healthcare in Switzerland.

Updated to reflect new rules for travelling to amber list countries.

Updated COVID-19 section on new rules for international travel from 17 May.

Updated to reflect current COVID-19 travel guidance

New link to the declaration form for international travel (for England), from 8 March.

Edited grey box at top of page to provide further information on requirements coming into affect from 15 February

From 15 February you will need to quarantine in a government-approved hotel if you arrive in the UK from countries on the travel ban list.

Updated with new requirements coming into effect from 4am on 18 January 2021.

Updated with information on pre-departure testing for everyone travelling into England and Scotland.

Updated to reflect latest UK COVID-19 restrictions.

Updated the section on travel to Iceland, Liechtenstein, Norway and Switzerland, to reflect changes from 1 January 2021.

Updated ‘Travel to the EU’ section to reflect that UK-issued European Health Insurance Cards (EHIC) will still be accepted in EU countries, with different guidance for people travelling to Norway, Iceland, Liechtenstein and Switzerland from 1 January 2021.

Updated COVID-19 travel guidance

Updated to reflect the latest Tier-based COVID-19 rules for England

Updated to reflect the 5 November national restrictions for England relating to travel

Updated EU travel section with information on EHIC validity

New information on making sure your travel insurance covers you for coronavirus-related events

Update to contents including addition of new segments; travel insurance after starting travel or changing your plans, making a travel insurance claim, other financial protection and if you’re not covered.

Added information on financial protection of package holidays.

Information on the use of European Health Insurance cards (EHIC) in the event of a no deal added to the EU Exit update section

EU Exit update with advice on checking insurance coverage when travelling to Europe after the UK leaves the EU.

Content and format changes

Inclusion of Association of Travel Insurance Intermediaries (ATII) information.

Updated information on travel insurance

First published.

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International Health Insurance for Expatriates in the United Kingdom

The United Kingdom is one of the most popular destinations for expats. It has easy flight connections, a wide array of business opportunities, and the attraction of not having to learn a new language. It’s easy to see why it’s so beloved by American expats and those worldwide. And part of the UK’s appeal is the superb reputation of its health care system. However, for foreigners or expats in the UK for the first time, there are a lot of logistics to sort out. UK Health Insurance should be at the top of your priority list.

Find the Best International Medical Insurance

• Compare multiple quotes and coverage options
• Work with an insurance expert at no additional cost
• Find the best plan for your needs and budget

Best Medical Plans for Foreigners in the UK

Expatriates in the UK have many options for their global medical coverage. Two leading providers are listed below. Cigna Global Medical is a great option for most, and you benefit as their global headquarters are located in Glasgow. GeoBlue Xplorer plan is an excellent option for US citizens living in the United Kingdom as they will provide up to 9 months of coverage back in the USA as well as worldwide. The recommended plans are available in England, Britain, Wales, Scotland, and Northern Ireland .

A Leading Private Health Plan for Immigrants in the UK

The Cigna Global plan is an excellent option for foreigners residing in the UK as expatriates or immigrants for extended periods. The plan offers a range of coverage options, each with different costs. Cigna also has offices in London and Glasgow, making customer service more accessible. Cigna’s network of doctors and private hospitals in the UK and around the world is excellent, so access to quality care is not a concern.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

The Best Medical Plan for US Citizens in the UK

The GeoBlue Xplorer plan is a popular option for US citizens living in the UK. One primary benefit is that the plan offers up to 9 months of coverage in the USA should you want to receive care back home. Their global network of hospitals is excellent, including the Blue Cross Blue Shield network in the USA. Customer service is strong so you will be well taken care of.

Xplorer Worldwide Medical Plan

• Premium Benefits, Coverage and Service
• Define your deductible and prescription benefits
• For Foreigners in the US or US citizens abroad

A Third Option: Global Prima

In Europe, the Global Prima plan offers comprehensive benefits to international citizens residing in the United Kingdom with multiple plan designs, affordable benefit packages, and top-notch customer service. For EU residents residing in the UK, ask about the option for Europe-only coverage to keep your costs down.

IMG Global Prima Medical Insurance Plan

• Five plan options and additional optional benefits to include
• Choice of the coverage area to reflect your geographical area of need
• Freedom to choose your health care provider wherever you are in the world

Read: Travel Insurance for Visitors to the UK

How Much is Private Health Insurance in the UK

A private medical plan in the UK will cost you as little as $100 per month for basic health coverage. If you want more comprehensive benefits, the monthly cost will increase to $300 – $500.

The average annual cost for private medical insurance in the UK is $5,651 (£4,470) based on our historical data of quotes provided to more than 4,000 clients.

Clients who are older or opt into the best coverage will pay $10,000 per month or more. An individual who is 60 years old will pay about twice what a 40-year-old applicant will pay. At the same time, younger clients (18- 24 years of age) pay significantly less, approximately $2,000-$3,000 annually, for their coverage.

Medical Benefits for Foreigners in the UK are often Oversimplified

Information about accessing public healthcare in the UK is often oversimplified. A short version goes something like this: An expatriate is a foreign citizen living in the UK legally to work. And if you’re working in the UK, the cost of healthcare is deducted from your paycheck. Therefore, you’re in!

In reality, the situation is more nuanced. Healthcare in the UK is publicly funded (yes, through payroll tax as a primary means). It’s known as the NHS or National Health Service. It’s available for everyone permanently residing in the UK (in other words, the people who are funding it). But where is that line between the long-term visitor, business person, expat, and permanent resident?

Related:  A Guide to Expatriate Health Insurance and Benefits

Can International Citizens in the UK Use the NHS System?

Access to NHS services isn’t based automatically on citizenship but rather on residency. To fully enjoy the NHS services – including both primary care and secondary care (hospital treatment) – you must be considered an “ordinary resident.” But who decides what is “ordinary”? In legal terms, it means your immigration status is “indefinite leave to remain.” Sometimes, this is referred to as being “settled” in the UK.

This page of the UK government’s website walks you through the process of determining if your immigration status is “indefinite leave to remain.” If your status is anything but “indefinite leave to remain,” you should carry private health coverage.

Does UK Healthcare Fall Short for Foreigners?

All the paperwork and organization are well worth it, for once you have an NHS card , a job, and a UK address , you can register with a local GP for ongoing medical care. That GP can also refer you to specialists for health services and order tests.

Related:  Five Tips for Becoming an Expat

However, expats should note that a common criticism of the UK Healthcare System or National Health Service is that waiting lists to see general practice specialists are growing. Another is that there are not sufficient resources to cover the costs of providing access to residents on a timely basis. This is one of the primary motivations for UK residents and expats alike to carry supplemental health care insurance. Such coverage offers more comfortable care, including private rooms should you be hospitalized and access to non-public physicians and general practice specialists.

Appreciating the Role of the National Health Service in British Society

The NHS has had its share of ups and downs over the course of its 70-year history. It was a saving grace to many impoverished families and communities who were still struggling to rebuild post-war Britain. In the early 1980s, it faced a major scandal over contaminated blood products, which resulted in the deaths of over 1,000 people. During the administration of the Thatcher government, restructuring arguably led to a decline in the quality of care. During the campaign for the “Brexit” referendum, the NHS’s strained resources were once again in the news. Pro-Brexit campaigners argued that funds earmarked for sustaining the European Union should be redirected to UK healthcare.

However, throughout the highs and lows, the UK’s overall standard of health care remains excellent. The National Health Service is a cherished national institution. Expats from America who harp on about National Health Service waiting times may find themselves rebuked about their health care system. You’ve been warned!

Is It Worth Having Private Health Insurance in the UK

A Partial Solution Means Partial Healthcare. However, an alternative approach works well for foreigners and expats. If you’re coming to the UK on a temporary stay visa and that visa is for a term of more than six months, there’s good news. You’ll have to pay an immigration health surcharge during the application process. That surcharge is a hefty £150 for students and £200 for everyone else.  But it really is good news! It’s your gateway to access NHS primary care.

However, it’s only a partial solution. There are some health care services under the NHS for which you have to pay a contribution, like dental care, eye care, and prescriptions. You are also only covered for primary care. Secondary care (hospital-based care) is not included, as your status is not “indefinite leave to remain.”

For most foreigners living in the UK, a private global medical insurance plan will provide comprehensive coverage and access to the best hospitals and doctors worldwide, including back in your home country.

Why Expats in the UK Should Never Gamble on Their Health

Expats in the UK who are tempted to forgo coverage in favor of taking their chances may find they’re in for a rude surprise should they need emergency care. While costs are more modest than in the United States, even a short hospital visit in the UK can quickly add up to thousands of dollars. This story from a British expat living in America who needed to access emergency care while on a return visit home to England gives some great insight into the costs and structure of British health care from the point of view of a citizen who’s also an expat themselves. As always, when it comes to your health, you’re better safe than sorry. Expats should consider an international medical insurance plan to ensure they are covered in other countries they may be traveling to as well as back in their home country. 

Request a Quote for Global Medical Cover in the United Kingdom

A leading international health plan for all foreigners in the uk, the best global medical policy for us citizens in the uk, a third option: global prima plan for europeans.

Author / Editor: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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United Kingdom Travel Insurance

What should your travel insurance cover for a trip to the united kingdom, how does travel insurance work in the uk, do i need travel insurance for the united kingdom, how much does travel insurance cost for the united kingdom, our suggested axa travel protection plan , traveling with pre-existing medical conditions , does the uk have any covid-19 restrictions for u.s. visitors, do you need car insurance to drive in the uk, are there any other requirements for traveling to the uk.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for the United Kingdom.

Picture this: You've planned a scenic road trip through the Scottish Highlands, a land of misty glens and ancient castles. You stumble upon the enchanting Fairy Pools on the Isle of Skye. Imagine, a misstep on the slippery terrain, and suddenly you've got a sprained ankle, not the souvenir you had in mind. With AXA Travel Protection, you receive access to our 24/7 emergency hotline.  Speak to a licensed multilingual travel assistance agent, they can help assist and direct emergency transportation if necessary to your location. With an AXA Travel Protection plan, we are here to assist and support you whenever and wherever you may be. Here’s the entire list of benefits travelers can have access to with an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Americans aren't required to purchase domestic or international travel insurance to visit the United Kingdom. But it’s still highly recommended that you have a travel insurance plan before embarking on your next trip. 

Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

In general, travel insurance to the United Kingdom costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the United Kingdom experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring the United Kingdom's stunning landscapes in a rental car. 

Additionally, part of the Platinum Plan is the " Lost Skier Days " benefit, offering potential reimbursement if ski resorts unexpectedly close due to ever-changing snow conditions. These perks make the Platinum Plan an excellent option for anyone seeking comprehensive protection during their exciting United Kingdom adventures. 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

American visitors can breathe a sigh of relief that the UK no longer has any COVID-19 restrictions for visitors coming from the United States. You do not need to fret over getting a COVID test or submit proof of vaccination upon arrival in the UK. 

It’s illegal to drive in the UK without vehicle insurance. This also applies to those driving on an international license, even if it’s only for a brief period. If you are renting a car, however, we strongly recommend you purchase rental car insurance. AXA Travel Protection can help you with that by offering Rental Car Insurance (Collision Damage Waiver.)  This coverage provides extra coverage for your rental car against damage and theft.

American citizens are considered non-visa nationals in the UK. Therefore, they neither require a visa (for short-term travel) nor need to fulfill any other conditions to visit and travel across the UK.

UK Travel Insurance FAQs

1. can you buy travel insurance after booking a flight.

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) 

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

2. Do Americans need travel insurance for the UK?

UK law doesn’t require U.S. citizens visiting the UK for a short time (up to six months) to carry travel insurance. However, carrying international travel insurance for the United Kingdom for unforeseen events is a good idea.

3. What is needed to visit the United Kingdom from the USA?

U.S. citizens only need a passport and a ticket to travel to the UK. The passport must have at least one empty page and validity for the duration of your trip.

4. What happens if a tourist gets sick in the United Kingdom?

The UK has a National Health System (NHS) that provides medical care nationwide.  If a tourist gets sick in the UK, they can get medical care from an NHS center.  However, it’s important to note that while the NHS services are free for the locals, tourists are charged about 150 percent of the cost of their treatment.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Do I need travel insurance to visit the United Kingdom?

Our top picks for the best uk travel insurance, how much does travel insurance for the uk cost, who should get travel insurance when visiting the uk, what types of coverage do you need for traveling to the uk, what isn’t covered by travel insurance for uk visits, tips for choosing the best uk travel insurance, tips for visiting the uk, uk travel insurance faqs, related topics.

Best UK Travel Insurance: Coverage Tips & Plans 2024

• Our top picks for UK travel insurance come from Tin Leg, Faye, Seven Corners, and Trawick International.
• Most U.S. health insurance won’t cover the cost of medical treatment you receive overseas, so it’s important to purchase a medical travel insurance policy at the least.
• By law, UK hospitals will charge foreigners 150% of the normal cost for treatment , which means you could be left paying huge bills if you fall ill on your trip and don’t have an insurance plan in place.
• Basic medical travel insurance plans for UK visits can cost as low as $1 per day . However, for a few extra dollars, you can get plans that include many more types of coverage such as trip delays, trip interruptions, lost/stolen personal items, and more.
• To find the best travel insurance for your trip to the UK, we recommend using an online comparison tool . This allows you to compare travel insurance quotes from multiple providers at once to ensure you find the best deal.

Faye Travel Insurance

Seven Corners

Travel insurance to the UK isn’t legally required for U.S. citizens visiting the country as a tourist. However, not buying a travel insurance policy could leave you in a bad position should you run into issues with your trip itinerary or happen to have a medical incident while abroad.

It’s important to note that most private US medical insurance won’t cover you while you’re traveling abroad . This is also true for Medicare, and Medicaid. That means without a travel insurance plan you run the risk of paying out of pocket if you require emergency medical treatment while visiting the UK.

Best Rated Travel Insurance

Why we like it.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Quickest & Easiest Reimbursements

Editor's take

Faye is a newer provider but is taking the market by storm. It’s known as a travel insurance disruptor thanks to its industry-changing approach to travel insurance.

Faye is an all-in-one travel app that offers comprehensive travel insurance as well as trip management services such as a travel concierge, flight tracking, destination information and services, integrated payment system, travel playlists, and more.

Faye’s strong medical coverage starts at $100,000 for medical expenses and $500,000 for emergency medevac and repatriation coverage. It also comes with comprehensive reimbursement coverage for trip cancellations, interruptions, delays, and more.

Plans are completely customizable with optional add-ons like:

• Rental car care
• Cancel for any reason
• Vacation rental damage
• Adventure & extreme sports

Best of all, Faye offers extremely quick reimbursements directly through the Faye app. Just snap a photo of your bills and receipts, upload them to the claims chat portal, and wait to be reimbursed. You can receive your reimbursement directly to a digital wallet to use the funds via Apple Pay and Google Pay.

*Note: Coverage limits and availability may vary by state of residence.

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

Best for Robust Coverage

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Medical Evacuation Limits

Trawick international.

• Excellent medical coverage limits
• Up to $2,500 baggage coverage included
• Covers quarantine accommodation expenses
• Baggage delay coverage only kicks in after 8 hours
• CFAR only covers 75% of the insured trip cost

According to official sales data from Squaremouth , UK travel insurance averages around $309.28.

Based on our own official sales figures over the past year, our customers paid, on average, $191.47 for UK travel insurance.

The cheapest travel insurance for UK visits can cost as little as around $1 per day. For more comprehensive coverage, you can expect to pay around $8 to $10 per day or even more depending on your trip parameters and coverage levels.

To give you a ballpark estimate of how much travel insurance for visitors to UK can cost, we got sample quotes from three different providers.

We applied this information to the quotes:

• Age: 35 years old
• Destination: United Kingdom
• Trip Length: 7 days
• Trip cost: $2,000
• Date: September, 2024

This table displays three quotes for medical-based travel insurance plans that don’t reimburse the full trip costs:

If you want your policy to include trip cancellation and trip interruption coverage, you will need to purchase a more comprehensive plan.

For the following table, we have quotes for plans that reimburse you if your trip to the UK is canceled or interrupted.

As you can see, adding trip cost reimbursement can double or triple the cost of your travel insurance policy.

It’s important to note that these prices are for example purposes only. Actual plan costs will vary depending on your own unique circumstances.

All of the following factors impact the cost of travel insurance:

• Trip cost:   The more expensive your trip is, the more coverage you’ll need. This increases the cost of your travel insurance.
• Age: As you get older, your risk of developing a serious medical condition increases. Therefore, older individuals tend to pay more than younger people for travel insurance and other types of insurance coverage.
• Location:   Each state has its own rules regarding travel insurance coverage. This has a direct impact on how much you pay.
• Coverage limits : Although your destination doesn’t have a direct impact on the cost of travel insurance, you need higher coverage limits for international travel. A plan with high limits costs more than one with low limits.

Anyone who doesn’t have a health insurance plan that works in the UK should consider opting for travel insurance when visiting the United Kingdom.

This is especially true for people traveling with an older person or anyone who may be at higher risk of needing medical care while abroad.

In this case you may wan’t to opt for a special travel insurance plan for seniors or a travel insurance plan that covers pre-existing medical conditions .

If you have a lot of high-dollar nonrefundable expenses for your trip to the UK, it’s also a smart idea to take out travel insurance. While you may be able to cover these costs out of pocket, for a few extra dollars you can typically get these costs refunded if you face unforeseen cancellations or interruptions to your vacation.

Common reasons you may need travel insurance for the UK

The UK is generally a safe country to travel to. It’s developed and they also speak English which means that American travelers typically shouldn’t have to much trouble navigating through the UK while visiting.

However, there are a number of situations that are unique to traveling in the UK that may not cross your mind initially and can pose a risk to unprepared travelers.

A UK travel insurance plan can protect you in the following situations:

1. Transportation strikes are common in the UK

As per the official National Rail website , the UK has experienced a sustained period of strike action by the railway unions over the past two years - with the most recent being in February of 2024 . If you plan to travel across the UK, rail strikes could affect your travel plans no matter how short the journey is. Strike actions often come with little notice and can have huge repercussions on the effectiveness of services all over the country.

A travel insurance policy can easily cover travel delays, missed connections, or cancellations and interruptions to your travel itinerary due to a strike.

2. Pickpockets often target foreigners

Pickpocketing is a common phenomenon in Europe and the same is true across major UK cities like London, Manchester, and Birmingham. Thieves often operate in busy tourist spots in London, especially in crowded areas such as Oxford Street, Trafalgar Square, and Piccadilly Circus. The London Underground is also regularly frequented by thieves during rush hour, and let’s be honest, Americans are easy to spot when traveling, even in a country full of native English speakers.

Comprehensive travel insurance to the UK covers lost, stolen, and damaged personal items in case some something happens. Therefore, we recommend reviewing the plans just in case you need one.

3. Much of the UK is rural & relatively isolated

Many people don’t think of the UK as a predominantly rural nation. However, the same is true about the U.S. when you actually stop to think about it.

Alongside the UK’s numerous cities and urban areas, there is a plethora of isolated rural and idyllic locations across England, Scotland, Wales, and Northern Ireland which make amazing travel destinations. That said, rural areas are not always well connected to hospitals and present an ideal landscape for requiring evacuation crews in an emergency. As official UK government statistics show , From March 2022-March 2023 there were 1,316 rescue/recovery operations carried out across the UK.

While the picturesque landscapes of the English Lake District, Scottish Highlands, and Welsh National Parks welcome thousands of visitors every year, they are not without incident.

We recommend having travel insurance in the UK that covers you for emergency medical treatment and emergency medical evacuation in case you have an accident or fall ill while enjoying the isolated countryside of the country.

4. Heathrow has a reputation for lost & delayed baggage

London Heathrow is one of the busiest airports in Europe and has the largest share of lost luggage claims in the UK, according to Statista . It’s also no surprise to most Americans that US airports aren’t exactly great at avoiding baggage issues either.

Including baggage insurance as part of your UK travel insurance policy will ensure you are covered for any losses during your journey to the UK.

Travel insurance plans can largely be grouped into two categories:

• medical-based travel insurance
• comprehensive travel insurance

Naturally, what your travel insurance covers depends on the type of policy you purchase.

Medical-based travel insurance

At the most basic level, we recommend opting for medical-based travel insurance for UK visits. These travel insurance policies are typically the cheapest and are also the most important, since most U.S. health insurance doesn’t work outside of the United States.

Although the UK provides free medical treatment for UK residents, the US Embassy notes that American tourists will be charged for any medical services they receive.

The UK government further notes that non-UK visitors will be charged at 150% of the cost for treatment by the NHS if they are treated by UK hospitals. This can leave you paying large amounts out-of-pocket if you don’t have medical travel insurance in place to pick up the bill.

Typically medical-based travel insurance policies will include two separate coverage limits for medical emergencies and emergency medical evacuations:

• Emergency medical insurance will cover the costs of receiving medical treatment for accidents, injuries, and illnesses while abroad.
• Medevac insurance covers the cost of transporting you to a medical facility that’s capable of providing an appropriate level of care. It may also cover the cost of flying a family member to the UK to be with you while you’re recovering.

Since the cost of treatment is so high for visitors to the UK, and the distance to evacuate you back to the US is so far, we recommend opting for at least $100,000 in medical coverage and at least $250,000 in medical evacuation coverage.

Medical plans typically won’t include wide-reaching coverage for other things like trip cancellations or trip cost reimbursement. For this, you may need to opt for a more comprehensive travel insurance plan with trip cost reimbursement.

Comprehensive travel coverage

When choosing travel insurance, you have the option of buying plans that reimburse your for non-refundable prepaid trip expenses, and plans that don’t. To get insured for things like trip cancellations, interruptions, delays, and your personal items, you typically need to purchase a travel insurance plan that offers trip cost reimbursement.

Some medical-based travel insurance policies may reimburse your for a cancelled or interrupted trip if it comes as part of your medical care resulting from a covered injury or illness. However, if you have to cancel your trip due to unforeseen events like natural disasters, or terrorism, you can typically only be reimbursed if you have chosen a comprehensive travel insurance policy that includes trip cancellation and interruption coverage for prepaid, nonrefundable expenses.

Below, we walk through a cost example that shows the difference in prices of medical based plans versus comprehensive travel insurance coverage.

Optional Add-ons

As a side note, some insurance providers may also offer optional add-ons like cancel for any reason (CFAR) insurance . This allows you to cancel your trip for any reason and claim back around 50% to 75% of your prepaid travel expenses. Including CFAR insurance within your policy will ensure you are covered should you decide to change your plans and cancel your trip to the UK.  

As a general rule, most travel insurance policies exclude coverage for the following scenarios:

• Claims resulting from illegal activities
• Claims related to medical tourism
• Injuries resulting from intoxication from drugs or alcohol
• Cancellations due to fear COVID-19 (See COVID-19 travel plans)

While these may be rather obvious to some people, many travel insurance plans also include restrictions for the following:

• Adventure activities & sports: For those who wish to enjoy activities such as hiking, climbing, kayaking, winter sports, and more a far more comprehensive coverage plan is needed. You should ensure that your plan includes coverage for the specific adventure activity or sport you plan to do.
• Pre-existing Medical Conditions: As noted above, standard travel health insurance typically doesn’t cover pre-existing conditions. This includes pregnancy, although you may be able to use your cancellation coverage if you become pregnant after you book your trip and pay for an insurance policy. See our article on pregnancy travel insurance for more info.
• Certain age limitations: Some travel insurance plans stop insuring people after a certain age. Therefore, if you are traveling with a senior citizen, you may wan to look at specific travel insurance plans for Seniors, which will allow you to get coverage at any age.

To find the best insurance policy for your needs, follow these tips:

Draft your itinerary

If you’ll be using multiple common carriers, you may need higher coverage limits due to the heightened risk of delays and cancellations.

Decide if you need any add-ons

For example, if you plan to go mountain climbing, you may want to get an adventure add-on to ensure you’re covered in the event of an injury.

Determine how much flexibility you need

If you expect to make plans on a whim or change your itinerary at the last minute, you may want a travel insurance policy with higher coverage limits. If you don’t need much flexibility, you may be able to make do with cheap travel insurance.

Overview of UK country information & travel requirements

The table below provides a quick overview of what you need to know about traveling to the UK.

Do US citizens need a visa to visit the UK?

If you’re a U.S. citizen, you don’t need a visa to stay in the UK for 6 months or less.

Is a Schengen visa valid for the UK?

No. The Schengen visa is only valid in the 27 countries belonging to the Schengen area.

Does Brexit affect my travel to the UK?

In 2020, the United Kingdom withdrew from the European Union, an event known as “Brexit.” Fortunately, Brexit has no effect on airline travel from the United States to the United Kingdom.

Do I need travel insurance for a trip to the UK?

You’re not required to purchase travel insurance, but it’s a good idea to buy a policy before your trip. This type of insurance covers trip cancellation, trip delays, and other common scenarios, giving you extra peace of mind.

How much does UK travel insurance cost?

It depends on your age, the cost of your trip, and other factors. Based on the quotes we pulled above, you can expect to pay an average of $201.09 for a 15-day trip to the UK.

Does my US health insurance cover me in the UK?

No, your U.S. medical insurance won’t cover you in the UK or any other European country.

Can Americans get free health care in UK?

Generally, American tourists  don’t qualify for free health care  through the UK’s National Health Service.

What should I do if I am injured or ill while in the UK?

If you need urgent medical treatment, call 999 or visit 111.nhs.uk. You can also go to the nearest accident and emergency (A&E) department.

About the Author

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

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