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Travel insurance protects you from medical emergencies, cancellations, and lost luggage abroad. Prices start at just £8 for a week in Europe. This guide helps you choose the right policy and avoid being underinsured.
Single Trip vs Annual Multi-Trip
| Type | Price | Covers | Best For |
|---|---|---|---|
| Single Trip | £8–50 | One holiday only | 1–2 trips/year |
| Annual Multi-Trip | £40–150/year | Unlimited trips (max 31 days each) | 3+ trips/year — usually cheaper |
Annual multi-trip usually breaks even at 3 trips. If you travel 3+ times per year, annual is almost always cheaper than buying individual policies.
Recommended Coverage Levels
| Coverage Type | Minimum | Recommended |
|---|---|---|
| Medical expenses | £2m (Europe) / £5m (USA) | £10m worldwide |
| Cancellation | £1,000 | £5,000+ |
| Personal belongings | £1,500 | £3,000 |
| Personal liability | £1m | £2m |
Best Providers
- Post Office — Best Overall: Europe week £8–15, Annual multi-trip £45–80. Excellent medical cover, competitive prices.
- Staysure — Best for Over 65s: Specializes in older travellers, pre-existing conditions covered, Annual £80–150.
- True Traveller — Best for Adventure: Covers 100+ adventure sports (skiing, scuba, bungee). Annual £60–120.
COVID-19 Coverage
- Most policies now include COVID-19 as standard
- Medical treatment abroad if you catch COVID ✅
- Cancellation if you test positive before departure ✅
- Quarantine accommodation costs ✅
- Always check: Some budget policies exclude COVID — read the small print!
Pre-Existing Medical Conditions
Never hide medical conditions to save money. Claims get rejected and you're liable for £10,000s in medical bills. Always declare everything — insurers are surprisingly good at covering most conditions, often for a modest premium increase of 20–100%.
What's NOT Covered
- ❌ Alcohol/drug-related incidents
- ❌ Unattended belongings (bags left on beach/in car)
- ❌ Extreme sports unless specifically added
- ❌ Travel against FCDO government advice
- ❌ Known events (hurricane season, civil unrest)
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Sento earns a referral if you click through our links — this never affects our recommendations. Prices and details correct at time of publication. Updated February 2026.