Even when you’re taking a break in the UK, many of the holiday risks remain the same.
Having a UK holiday insurance policy for staycations and UK domestic cruises gives you extra peace of mind. With a Signature policy you can be covered for up to £10,000 if you’re forced to cancel your trip or cut your holiday short, just as long as you’ve booked and paid for a place to stay for two nights or more. You can also be covered for lost money and baggage.
Any medical treatment you need in the UK (England, Wales, Scotland and Northern Ireland) will be covered by the NHS. But if needed, we can help you to be transferred to a hospital that’s closer to home, which wouldn’t usually be covered by the NHS.
For example, if you’re hospitalised in Scotland but live in Bristol, we could cover the costs of moving you to a hospital more local, if medically necessary.
If you’re planning a UK domestic cruise, our UK travel insurance policy includes cover for COVID-related emergency medical and repatriation expenses. Find out more about cruise travel insurance.
If you’ve booked a trip to any of the following destinations, we can cover you for up to £10,000 for repatriation related claims.
Generous cancellation cover up to £10,000
Easy to access and amend your policy online
Calls are FREE to our Contact Centres
We’ve given over 10m people peace of mind
Data covers Jan 2005 - Jan 2023Declaring pre-existing medical conditions is important to tailor your UK travel insurance to your needs. Being open and honest with us about your conditions even if they change means that we’ll be able to help if you fall ill and need to make a claim. You can add conditions to your policy online in minutes – we’ll just ask a few simple questions about how your condition affects you and we treat all answers confidentially.
| Basic | |
|---|---|
| Cancellation | Up to £5m |
| Cutting your holiday short | Up to £500 |
| Medical transfer and accommodation | Up to £10k |
| Baggage | Up to £300 |
| Money | Up to £250 |
| COVID-19 | |
| Excess | £129 |
| Comprehensive | |
|---|---|
| Cancellation | Up to £5k |
| Cutting your holiday short | Up to £5k |
| Medical transfer and accommodation | Up to £10k |
| Baggage | Up to £2.5k |
| Money | Up to £500 |
| COVID-19 | |
| Excess | £99 |
| Signature | |
|---|---|
| Cancellation | Up to £10k |
| Cutting your holiday short | Up to £10k |
| Medical transfer and accommodation | Up to £10k |
| Baggage | Up to £5k |
| Money | Up to £500 |
| COVID-19 | |
| Excess | £0 |
| Basic | Comprehensive | Signature | |
|---|---|---|---|
| Cancellation | Up to £500 | Up to £5k | Up to £10k |
| Cutting your holiday short | Up to £500 | Up to £5k | Up to £10k |
| Medical transfer and accommodation | Up to £10k | Up to £10k | Up to £10k |
| Baggage | Up to £300 | Up to £2.5k | Up to £5k |
| Money | Up to £250 | Up to £500 | Up to £500 |
| COVID-19 | |||
| Excess | £129 | £99 | £0 |
These are just a few of the things our policy covers. For the ins and the outs, take a look at our policy wording.
Get QuoteYes, having to cancel your holiday is one of the most common reasons for travel insurance claims. With us, you can be covered for up to £10,000 if you're forced to cancel or cut your staycation short.
If you’re from the UK, the Isle of Man or the Channel Islands, we can cover you if you’ve booked a staycation to any of the following destinations:
• England
• Scotland
• Wales
• Northern Ireland
• Isle of Man
• The Channel Islands (Jersey, Guernsey, Alderney, Sark and Herm)
Yes, you can buy an Annual Multi-Trip policy for travelling within the UK only.
Yes, if you’re travelling to the Channel Islands (Jersey, Guernsey, Alderney, Sark and Herm), you can be covered if something on your trip doesn’t go to plan such as having to cancel your trip or cut it short, or losing money or belongings.
We can also cover you for up to £10,000 if you need to be flown home from your holiday destination after a medical emergency.
Emergency medical treatment in Guernsey
If you’re a UK resident travelling to Guernsey, the Bilateral Health Agreement can cover the cost of essential medical treatment.
Emergency medical treatment in Jersey
If you’re travelling to Jersey, you can get emergency medical treatment at the hospital free of charge, but any prescriptions, treatment or care needed after initial treatment may not be.
The NHS doesn’t cover you for emergency medical treatment in the Channel Islands (Jersey, Guernsey, Alderney, Sark and Herm), or the Isle of Man.
But there is a Reciprocal Healthcare Agreement in place between the UK, the Channel Islands and Isle of Man. This means that if you need emergency medical treatment while you’re on holiday, you won’t have to pay healthcare costs, as treatment is similar to that provided by the NHS.
UK travel insurance is not a legal requirement, but we think you’ll agree, it’s important to have. A good travel insurance policy can cover you for unexpected costs if something on your trip doesn’t go to plan – like needing to cancel or cut your holiday short.
COVID-19 cover is included with all domestic travel insurance policies at no extra cost.
We can cover you if you’re forced to cancel your trip due to vaccine intolerance, denied boarding with a positive test for COVID-19 or have a confirmed temperature above 38 degrees celsius.
To be covered, you will need to have had all of the COVID vaccinations that have been offered to you. If you’re medically exempt from having the COVID vaccination, you can also be covered by our policies. If you declined any doses of the vaccination through personal preference, or haven’t been able to have a dose you’ve been offered, you won’t be covered for any COVID-related claims.
We understand how important it is for your travel insurance to offer the right level of cover so you can travel with confidence. We cover most pre-existing conditions, but occasionally, we might not be able to help.
If that’s the case, we recommend checking out BIBA medical directory or calling them on 0370 950 1790. They can provide a full list of specialist medical travel insurance providers who might be able to help.
If you need to make a claim, we'll make it as easy and stress-free as possible.
View claims information*Based on 50% of all Single Trip policies bought by customers for a UK trip between 26 May 2020 – 25 May 2021
***British Travel Awards
