How to save money on your travel insurance

Added 03/11/2022

Holidays abroad are high up on most peoples ‘must have’ lists for next year, despite the cost-of-living crisis hitting the headlines, and, if you are going on holiday, you will need travel insurance.

We’re here to share with you the ways you can keep the cost of travel insurance down, along with some things that you really shouldn’t do to reduce the cost.

Here’s what you can do:

Think about your destination

Your holiday destination can make a big difference to the price of your travel insurance, but it is not due to how far away it is. It is all about the cost of emergency medical treatment for a British national in that country.

For instance, travel insurance for a holiday in the USA or Caribbean will generally cost much more than travel insurance for a trip to Australia or another long-haul destination, such as Mauritius.

So, if you are looking to relax in the sun, choosing Mauritius rather than the Caribbean could save you money on your travel insurance. 

You can keep the cost of travel insurance down by choosing your destination wisely.  Why not do some quotes and compare prices for different destinations before you book your holiday?

Think about the duration of your trip

This is an obvious one we know, but in the same way that your holiday will be cheaper if you go for a shorter duration, so will your travel insurance.  If the duration of your holiday is shorter, the risk of you becoming ill and needing emergency medical treatment abroad is smaller and therefore your travel insurance will cost less.

Think about the levels of cover you need

If your holiday cost is £2000 per person, there is no need to pay extra for travel insurance with cancellation cover of £5000 per person.  Think about the cost of your holiday and the levels of cover you need. has 3 levels of cover to choose from so that you can find a level that suits your pocket and your holiday.

Here are the things you shouldn’t do:

Do not travel without insurance.   

Never go away without travel insurance, the Foreign, Commonwealth and Development Office recommend that you always have insurance in place when you travel abroad.

Even within Europe where you may be treated the same as a local by using your EHIC or GHIC card, the treatment may not be free, and repatriation (getting you home) would not be covered.

Emergency medical treatment abroad and getting you home afterwards can quickly amount to many thousands of pounds.  If you are uninsured, it is you who would be responsible for paying the bills.

Do not under-declare your medical conditions

It is very important to declare all your existing medical conditions when you get travel insurance

Do not be tempted to miss off some medical conditions to keep the cost down. If you don’t declare your full medical history honestly and accurately, any claim you make may be rejected or not fully paid. This could result in you being responsible for paying your own emergency medical costs abroad. 

Get a travel insurance quote for your next holiday

If you've got a holiday planned or are thinking about where to go on your next trip, get a travel insurance quote now.
We can cover all types of pre-existing medical conditions and have no upper age limit.

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