Planning a holiday? Don’t forget to secure peace of mind with the right holiday insurance. Whether you're jetting off for a beach getaway, a skiing trip, or a business travel adventure, comparing holiday insurance quotes in the UK helps protect against medical expenses, cancellations, lost baggage, and more. In this 2025 guide, we break down everything you need to know about choosing the right travel insurance.
What Is Holiday Insurance?
Holiday insurance, also known as travel insurance, is a policy designed to cover financial losses and disruptions associated with travel. This includes medical emergencies, flight cancellations, lost belongings, delays, and more.
Why Is Holiday Insurance Important?
- Medical Coverage: Avoid paying thousands for treatment abroad.
- Trip Cancellations: Reimburse non-refundable costs if plans change due to illness, family emergencies, etc.
- Lost or Delayed Luggage: Get compensated for missing personal items.
- Natural Disasters or Political Unrest: Many policies offer coverage for emergency evacuations or trip interruptions.
Who Should Get Holiday Insurance?
| Traveller Type | Why Insurance Is Essential |
|---|---|
| UK Holidaymakers | Medical costs aren't covered by the NHS abroad; insurance is vital. |
| Frequent Travellers | Annual multi-trip policies save money and reduce hassle. |
| Seniors (65+) | Greater risk of medical emergencies makes insurance crucial. |
| Adventure Tourists | Extreme sports and activities require specialised coverage. |
Types of Holiday Insurance in the UK
- Single Trip Insurance: Ideal for one-time holidays or business trips.
- Annual Multi-Trip Insurance: Covers multiple trips in a year—great for frequent travellers.
- Family Travel Insurance: Covers multiple family members under one policy.
- Backpacker or Long-Stay Insurance: For extended travel, often includes work or volunteering coverage.
- Adventure Travel Insurance: Covers risky activities like skiing, scuba diving, and hiking.
Top Holiday Insurance Providers in the UK (2025)
1. Aviva Travel Insurance
- Excellent for family coverage and medical support
- 24/7 emergency helpline and easy online claims
2. AXA Travel Insurance
- Affordable single and annual policies
- Strong reputation for reliability and medical assistance abroad
3. Staysure (Specialist for Over-50s)
- Tailored for older travellers, including pre-existing conditions
- UK-based support and unlimited medical expenses cover
4. Coverwise
- Competitive quotes with AXA underwriters
- Great for budget-conscious travellers and solo adventurers
5. Post Office Travel Insurance
- Trusted brand with flexible add-ons
- Policies include cancellation cover, baggage loss, and COVID protection
How to Compare Holiday Insurance Quotes
- Use Reputable Comparison Sites: Try Comparethemarket, MoneySuperMarket, or GoCompare.
- Review Coverage Details: Don’t just pick the cheapest—check excess amounts and what's included.
- Check for Pre-Existing Conditions: Disclose all medical history to avoid invalid claims.
- Look for COVID-19 Protection: Still a factor in many policies for 2025.
- Read Reviews: See how providers handle claims and emergencies.
Summary
Whether you're heading to Spain for a weekend or taking a round-the-world trip, holiday insurance is a smart and necessary investment. With options for every traveller and budget, UK holidaymakers in 2025 can easily find a policy that fits their needs—just make sure to compare quotes, read the fine print, and choose a trusted provider.
Frequently Asked Questions (FAQ)
- Is travel insurance mandatory for UK travellers?
- It’s not legally required, but many countries or tour companies may require proof of coverage before entry or booking.
- Does holiday insurance cover COVID-19?
- Yes, many 2025 policies now include cancellation and medical cover related to COVID, but always read the terms.
- How much does holiday insurance cost in the UK?
- It varies—single trip policies may start from £5–£15, while annual policies could range from £30–£100+, depending on coverage.
- What happens if I don’t declare a pre-existing condition?
- Your claims could be denied, so always disclose medical history honestly when applying.
- Can I buy travel insurance on the day I travel?
- Yes, but coverage might be limited—especially for cancellations—so it's best to buy as soon as you book your trip.