Best Travel Insurance UK: How to Actually Compare Providers (Not Just Prices)

Before any list of providers, four things determine which insurer is genuinely best for you:

1. Your age. Standard travel insurance gets more expensive past certain age thresholds, commonly 65, 70 and 75+. Specialist insurers who price accurately for older travellers are frequently cheaper than "big name" insurers once you're past these cut-offs, not more expensive.
2. Pre-existing medical conditions. If you have a declared medical condition, the policy that was "best" on the comparison table can refuse to pay out entirely, or the price can jump several hundred per cent once you disclose. The insurers worth comparing here are the ones built around medical screening, not the ones that merely allow it.
3. How and when you need to claim. Cover documents look similar until you read the claims process: how conditions are assessed, whether there's a dedicated medical assistance line, and how long payout typically takes.
4. Cover you'll actually use. Cruise cover, gadget cover, cancellation limits, excess per claim, and repatriation limits vary far more between insurers than headline price does. Cheapest-on-paper is often cheapest because a cover limit has been quietly reduced.

• Ratings: Our Platinum and Cruise Premium policies have been awarded 5 stars by Defaqto's experts and rated ‘Excellent’ by our customers on Trustpilot.
• Price: We generally offer competitive, affordable rates, particularly for older travellers and those with pre-existing medical conditions, who often receive higher quotes elsewhere.
• Cover: We offer 6 levels of cover (3 standard and 3 cruise), providing extensive protection for travellers. Our cover levels can help you find the right one for your trip.
• Medical underwriting: Many people worry that declaring medical conditions automatically means sky-high premiums. But specialist travel insurance works differently.

1. A Smarter Way to Assess Risk: Rather than relying on a single assessment method, specialist providers like ourselves use a medical risk model to help identify cover that more accurately reflects your personal circumstances.
2. Fairness Through Data: Using this medical risk model can also prevent customers from being unfairly overcharged.

A well-managed medical condition does not automatically make you a high-risk traveller. Factors such as stability, medication control, lifestyle, and time since treatment can all influence pricing. That’s why honest disclosure is so important. The more accurate the information, the more likely the screening process is to identify suitable cover at the right price. 

• Claims: Since January 2022, we have paid out over £38 million in claims, with more than £16 million paid in 2025 alone.* Behind every claim is a real person, a disrupted trip, an unexpected illness, or a moment where reassurance matters. *figures represent total claims paid across Ancile Insurance Group ltd travel insurance brands.  
• Financial protection:

1. We are authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 471641.
2. We are Cyber Essentials certified. Cyber Essentials is a Government-backed certification scheme that helps us keep your data safe from cyber attacks.

Goodtogo is built with older travellers and people with pre-existing medical conditions in mind.

If you're in your 60s, 70s, 80s or beyond, or you have a diagnosed condition (heart, respiratory, diabetes, cancer history, and others), you're likely to get:

• More accurate pricing, because the underwriting is built around your actual risk rather than a blanket age loading
• No upper age limit on annual or single-trip policies
• Cover for conditions that some other insurers might exclude