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Why Compare Travel Insurance with Mysupermarketcompare.com?
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What You'll Need to Compare Travel Insurance
Personal Details
Names and dates of birth for all travellers to be insured.
Travel Details
Your destination(s), travel dates (start and end), and type of trip (e.g., single, multi-trip).
Cover Requirements
Details of any pre-existing medical conditions and desired cover level (e.g., baggage, cancellation).
What is Travel Insurance?
Travel insurance offers you coverage against a range of potential issues so you aren't left out of pocket should the unexpected happen. Whether you're travelling for a short business trip or need 90-day cover for backpacking across Europe, Mysupermarketcompare.com can help you in your search for affordable travel insurance through our panel of up to 15 expert UK-based insurance specialists.
Medical expenses incurred overseas without insurance can be very costly and potentially lead to serious financial repercussions. Having travel insurance in place can protect you against these costs when you travel outside the UK, providing peace of mind for you and your loved ones.
Comparing travel insurance quotes is crucial. It allows you to find a policy that not only fits your budget but also provides the specific coverage you need for your destination and activities. Don't leave your financial well-being to chance – ensure you're protected with the right travel insurance from Mysupermarketcompare.com.
Different Types of Travel Insurance
Single Trip Travel Insurance
Covers a single holiday or trip, ideal for occasional travellers. Define your specific travel dates for tailored protection.
Annual Multi-Trip Insurance
Perfect if you travel multiple times a year. One policy covers all your trips (often up to 28-31 days each) for 12 months.
Backpacker Insurance
Designed for long, adventurous trips, often spanning multiple countries. Offers flexibility and extended duration coverage.
Group Travel Insurance
One policy to cover multiple people travelling together, like families or friends. Can be more convenient and cost-effective.
Worldwide Travel Insurance
Essential for destinations outside Europe. Often split into 'Worldwide including USA/Canada/Caribbean' and 'Worldwide excluding'.
European Travel Insurance
Covers travel within continental Europe and sometimes nearby countries like Turkey or Tunisia. Usually cheaper than worldwide.
Travel Insurance with Pre-existing Medical Conditions
It is vital to declare any pre-existing medical conditions when applying for travel insurance. This includes any condition for which you have received medical advice, diagnosis, or treatment prior to your trip. Failure to declare can invalidate your policy, leaving you unprotected if you need medical assistance abroad related to that condition.
Always Declare Your Conditions
Even if a condition seems minor or is well-managed, it must be disclosed. Insurers use this information to assess risk. Withholding information can lead to claims being rejected, potentially resulting in significant personal expense.
Specialist Insurers Offer Cover
While some standard insurers may decline cover or charge very high premiums for certain pre-existing conditions, many specialist providers cater specifically to travellers with medical conditions. Mysupermarketcompare.com helps you find quotes from these specialists, increasing your chances of finding suitable and affordable cover.
While premiums might be higher for policies covering pre-existing conditions, the peace of mind and financial protection offered are invaluable. Don't risk travelling without adequate cover. Compare quotes for medical travel insurance through Mysupermarketcompare.com today.
How Much Does Travel Insurance Cost?
The cost of your travel insurance premium is influenced by several key factors. These include your age (older travellers often pay more), the duration of your trip (longer trips typically cost more per day but may have multi-day discounts), your chosen destination(s), the level of cover you select (e.g., sum insured for cancellation, baggage, medical expenses), and any optional extras like gadget or cruise cover.
Your travel destination plays a significant role. Insurers categorize countries based on risk, considering factors like the cost and standard of local medical care, political stability, and the likelihood of specific claims (e.g., theft). For instance, travel insurance for the USA, Canada, and the Caribbean is generally more expensive due to extremely high healthcare costs in those regions. European travel insurance is often cheaper, while worldwide policies that exclude North America and the Caribbean can be a mid-range option. Always be specific about all your destinations when getting a quote at Mysupermarketcompare.com.
Stay Safe: Europe's Pickpocketing Hotspots
While travel insurance provides a safety net, awareness is your first line of defense. Certain European destinations have higher reported incidences of pickpocketing. Being vigilant, especially in crowded areas, can help protect your belongings. Here's a look at some commonly cited areas:
| Country | Reported Risk Level | Common Areas | Common Tactics |
|---|---|---|---|
| Italy | High | Crowded tourist sites (e.g., Rome, Venice, Florence), public transport, markets. | Distraction techniques, jostling in crowds, scooter snatch-and-grabs. |
| Spain | High | Major cities (e.g., Barcelona, Madrid), beaches, transport hubs, outdoor cafes. | Teams working together, 'friendly' approaches, bumping into victims. |
| France | High | Paris (e.g., Eiffel Tower, Louvre, Metro), other major tourist cities, transport stations. | Petition scams, children used as distractions, slash-and-grab on bags. |
| Germany | Medium | Major city centers (e.g., Berlin, Munich), public transport during peak hours, large events. | Professional pickpockets, often targeting transport hubs and crowded squares. |
| Netherlands | Medium | Amsterdam (e.g., Central Station, Red Light District, tourist areas), bike theft also common. | Distraction, targeting tourists in busy areas, sometimes on trams. |
| Poland | Medium | City centers (e.g., Krakow, Warsaw), public transport, crowded markets. | General vigilance advised, distraction techniques in busy areas. |
| Greece | Medium-High | Athens (e.g., Acropolis, Plaka, Monastiraki), islands, crowded ferries, public transport. | Snatching bags from cafe tables, targeting distracted tourists on transport. |
| Turkey | Medium | Istanbul (e.g., Grand Bazaar, Spice Market, tourist areas), crowded markets, public transport. | Distraction, over-friendly approaches, be wary of unsolicited help. |
| Republic of Ireland | Medium-Low | Dublin (e.g., Temple Bar, Grafton Street, tourist spots), general vigilance in cities. | Opportunistic theft in busy pubs/restaurants, targeting unattended bags. |
Information is illustrative and based on general travel advisories and publicly available data. Always research current local conditions and exercise caution.
Understanding Your Travel Insurance Policy
What's Typically Covered
Medical Expenses
Covers emergency medical and dental treatment if you fall ill or have an accident abroad.
Lost or Stolen Baggage
Compensation for your luggage and belongings if they are lost, stolen, or damaged.
Emergency Repatriation
Covers costs to get you back home if you have a medical emergency or in case of death.
Cancellation or Curtailment
Reimburses costs if you have to cancel or cut your trip short due to specified reasons like illness or bereavement.
Travel Disruption
Cover for delays, missed departures, or connections due to reasons beyond your control.
Legal Protection
Assistance with legal expenses for certain situations encountered while travelling.
Common Exclusions
Missed Flights (Own Fault)
If you're late for your flight or a no-show without a valid covered reason.
Undeclared Pre-existing Conditions
Medical issues you had before buying insurance that you didn't tell your insurer about.
Rental Car Issues
Standard travel insurance usually doesn't cover rental car damage or theft; this is separate.
High-Risk Adventure Sports
Activities like white-water rafting or rock-climbing often require specialist add-on cover.
Changing Your Mind
Deciding not to travel without a valid reason (e.g., illness) isn't typically covered.
Drug/Alcohol Related Incidents
Accidents or illnesses caused by excessive alcohol or non-prescribed drug use.
Travel Against Official Advice
Travelling to destinations the FCDO advises against visiting.
This is a general guide. Always meticulously read your specific policy wording from Mysupermarketcompare.com's partners to understand the full terms, conditions, limits, and exclusions that apply to your cover.
Tailor Your Cover: Popular Holiday Insurance Upgrades
Standard travel insurance provides a good foundation, but your unique travel plans might benefit from additional protection. Consider these common upgrades when comparing quotes on Mysupermarketcompare.com:
Trip Disruption Cover
Extra protection for events like natural disasters, terrorism, or airspace disruptions.
Excess Waiver
Pay a bit more on your premium to avoid paying an excess if you need to make a claim.
Adventure/Winter Sports
Specific cover for higher-risk activities like skiing, snowboarding, or scuba diving.
Trip Extension
Allows you to extend your coverage period if your trip lasts longer than standard policy limits.
Cruise Cover
Tailored for cruise holidays, covering cabin confinement, itinerary changes, and missed excursions.
Missed Departure Cover
Protection if you miss your departure due to public transport delays or vehicle breakdown.
Gadget Cover
Enhanced cover for valuable electronics like phones, laptops, and cameras.
Need Specialist Travel Insurance?
Sometimes a standard policy doesn't cover all bases. Mysupermarketcompare.com can help you find quotes for specialist travel insurance tailored to specific needs, such as:
- Family Travel Insurance: Designed to cover the whole family under one policy, often with benefits like free cover for young children and simplified claims.
- Couples Travel Insurance: Can be more cost-effective for partners travelling together than two separate policies.
- Over 65s/70s Travel Insurance: Specialist cover for senior travellers, often including provisions for pre-existing medical conditions.
- Long Stay & Backpacker Insurance: For extended trips that go beyond the duration limits of standard policies, often covering multiple destinations.
- Business Travel Insurance: May include cover for business equipment, cancellation due to work commitments, or replacement employee cover.
- Cruise Insurance: Specific add-on or policy type covering cruise-specific risks like cabin confinement, missed port departures, or unused excursions.
- Winter Sports/Ski Insurance: Essential for ski holidays, covering equipment, piste closure, and off-piste skiing (check terms).
When you compare travel insurance on Mysupermarketcompare.com, be sure to specify your requirements so our partners can offer the most appropriate and comprehensive specialist cover options.
Tips for Finding Cheaper Travel Insurance
Securing affordable travel insurance doesn't mean compromising on vital protection. Here's how Mysupermarketcompare.com helps you save:
Compare Extensively
The most effective way to find cheaper premiums is by comparing quotes from a wide range of insurers. Mysupermarketcompare.com allows you to check prices and cover from up to 15 providers quickly and easily.
Choose Appropriate Cover
Don't over-insure. If you only travel once a year, a single trip policy is usually cheaper than an annual one. Similarly, if you're not taking expensive gadgets, you might not need high-value gadget cover. Tailor the policy to your actual needs.
Consider the Excess
A higher voluntary excess (the amount you contribute to a claim) can lower your premium. However, ensure this amount is affordable, as you'll need to pay it if you claim. Some policies offer an excess waiver add-on.
What Our Customers Say About Our Travel Insurance Comparison
"Found brilliant travel insurance quickly! The site made it so easy to compare and get the cover I needed for my family holiday. Saved money too!"
★★★★★
Sarah M.
London, UK
"Needed cover for a multi-trip annual policy with a pre-existing condition. Mysupermarketcompare.com helped me find a specialist insurer at a great price. Highly recommend!"
★★★★★
David R.
Manchester, UK
How to Get Your Travel Insurance Quotes
Comparing with Mysupermarketcompare.com is simple. Provide your trip details, and we'll help you find quotes from our panel of up to 15 UK travel insurance specialists.
1. Enter Trip Details
Tell us where you're going, your travel dates, who's travelling, and any important medical information.
2. Compare Your Quotes
Instantly see a range of quotes. Filter by cover level, price, or provider to find your ideal match.
3. Choose & Buy
Select the best policy for your needs and budget, then click through to the provider's site to buy securely.
Our comparison service is provided in partnership with Seopa Ltd (Quotezone), FCA registered (FRN: 313860).
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Your Travel Insurance Questions Answered
What is the best travel insurance?
Can I get travel insurance whilst pregnant?
What medical conditions do you need to declare?
Can cancer patients get travel insurance?
What is the best travel insurance for over 70 with medical conditions?
When should travel insurance start and end?
Why do I need travel insurance?
While not always a legal requirement, travel insurance is highly recommended for almost any trip abroad to protect you from significant unexpected costs. Key reasons include:
- Cover for Medical Emergencies: This is often the most critical aspect. Medical treatment overseas, especially in countries like the USA, can be incredibly expensive. Travel insurance can cover hospital bills, emergency dental work, and sometimes even the cost of getting you home if medically necessary (repatriation).
- Protection Against Cancellation or Curtailment: If you have to cancel your trip due to illness, bereavement, or other covered reasons, travel insurance can help you recover non-refundable costs for flights, accommodation, and pre-booked excursions.
- Lost or Stolen Baggage & Belongings: Policies can cover the cost of replacing essential items if your luggage is lost, stolen, or damaged during your travels.
- Travel Delays & Disruptions: Compensation may be provided for significant delays to your flights or other transport, or for missed connections.
- Personal Liability: Some policies offer cover if you accidentally injure someone or damage their property while abroad.
Without travel insurance, you could be left facing substantial financial hardship if something goes wrong. Mysupermarketcompare.com helps you find a policy that offers peace of mind, knowing you have a safety net in place.