Basic travel insurance

While getting travel insurance might not be the most exciting part of planning your trip, it’s an essential one for many. It provides protection in case the unexpected happens, covering things like lost luggage, medical emergencies, and trip cancellations. 

The cost of your policy can vary depending on several factors, including your age, destination, the length of your trip, and any pre-existing medical conditions. For instance, longer trips, higher-risk destinations, and medical conditions can all lead to higher premiums. 

If you're looking for a more affordable option, basic travel insurance packages can provide excellent value. They usually cover the essentials, such as emergency medical treatment and trip cancellations, without the extra frills. 

Looking for affordable travel insurance that doesn’t compromise on cover? Here’s how you can get the best value for money while making sure you have the protection you need: 

 1. Compare travel insurance 

Comparison sites are helpful for getting an idea of policies and prices, but specialist providers like us might not be listed. Reach out to specialists for cover, especially for pre-existing medical conditions. 

2. Choose the right level of cover 

Don’t pay for cover you don’t need. If your holiday cost only a few hundred pounds, a basic policy with cancellation cover that matches your trip cost may be all you need, rather than a policy with higher cover limits. 

3. Mind your excess 

It’s the amount you pay when making a claim. A higher excess often means cheaper insurance, but make sure you can afford to pay it should you need to claim. 

4. Look for discounts and offers 

Companies often lower prices during sales periods like New Year and Black Friday. However, delaying your purchase means you could be without protection until you’re covered, so buying travel insurance in advance can lead to big savings.

5. Go for an annual policy 

If you’re always travelling, it’s a money-saving hero. It can cover all your trips within a year, usually offering better value than multiple individual policies.