What is travel insurance?
Travel insurance covers you against some costs or losses while you’re on holiday or a business trip. Most insurance policies cover:
- the trip being cancelled
- the trip being cut short
- medical expenses
- loss or theft of luggage
- loss or theft of money, passport or personal possessions
You might need travel insurance for:
- a single trip
- multiple trips over a year (annual multi-trip)
- worldwide travel
You could also choose a policy that comes with a packaged bank account or credit card that covers you for multiple trips.
Travel insurance usually needs to start and end in the UK for you to be covered.
Policies can be complex as they cover a wide range of risks. You may choose to add extra cover to your policy for things like:
- winter sports
- personal liability (in case you’re sued for injuring someone or damaging property)
- overseas legal expenses
- personal accident and accidental death
Policies contain strict rules about what you’re covered for and the amounts the insurer may have to pay. You might not have taken notice of these until you need to make a claim – and they form the basis of many of the complaints we see.
Complaints we can help with
Read more about the travel insurance complaints we see most often, and our approach to putting them right.
This is our beta site, we're still working to make sure we have all the content available, you'll find some content below but you may also want to look at our technical notes on our current website.
How to complain
Bringing a complaint to us is straightforward and won't cost you anything. You can make your complaint:
- over the phone, speaking to a member of our team
- on this website, using our online complaint form
- by post (you can print off a complaint form from this website, or call us and we’ll send you one)
Find out more about how to complain.