UK Travel Insurance

Travel insurance is not generally a legal requirement for a UK holiday, but it can still provide useful protection. Although NHS healthcare is available, travel insurance may cover eligible cancellation, curtailment, baggage, travel disruption and other insured events. UK trips must meet the policy’s eligibility requirements, including being for 2 nights or more in pre-booked paid accommodation.

Depending on the policy and cover level selected, UK travel insurance may include cancellation, curtailment, baggage and personal belongings, qualifying travel disruption and personal liability. Benefits, limits and exclusions are detailed in the current Policy Wording.

For Covered2Go travel insurance, an eligible UK trip must be for 2 nights or more in pre-booked paid accommodation. The United Kingdom geographical area includes England, Scotland, Wales, Northern Ireland and the Isle of Man, subject to the policy terms and eligibility requirements.

Yes, eligible cancellation cover may apply if you have to cancel your UK holiday for an insured reason. This may include certain irrecoverable pre-booked travel and accommodation costs, subject to the policy limits, terms and exclusions.

Eligible irrecoverable accommodation costs may be covered if you have to cancel or cut short your trip for an insured reason, subject to the policy terms, limits and exclusions. For UK travel insurance, the trip itself must be for 2 nights or more in pre-booked paid accommodation.

Certain travel disruption benefits may apply to eligible public transport arrangements, subject to the circumstances, waiting periods, limits and other conditions specified in the policy.

Cover may be available if insured baggage or personal belongings are lost, stolen or damaged during an eligible UK trip. Individual item limits, valuables limits, excesses and exclusions may apply.

UK holidays are different from overseas trips because eligible travellers can generally access NHS healthcare. However, medical circumstances can still affect other travel-insurance benefits, such as cancellation or curtailment.

Cover may be available. Some specified medical conditions do not require medical screening under the current Policy Wording, while other relevant conditions need to be declared and may be considered following medical screening and acceptance. See Travel Insurance for Pre-Existing Medical Conditions for more information.

Single Trip Travel Insurance may suit one eligible UK holiday. If you’re planning several qualifying trips during a 12-month period, Annual Multi-Trip Travel Insurance may be more convenient.

Yes, subject to eligibility. Covered2Go Single Trip Travel Insurance is available to eligible travellers up to age 99, while Annual Multi-Trip Travel Insurance is available up to age 85. See Over 65s Travel Insurance for more information.

Yes. Eligible families can choose Family Travel Insurance for qualifying UK holidays. The applicable family and UK-trip eligibility requirements must be met.

Yes. Eligible couples can arrange cover together. Covered2Go defines a couple as two adults who have been permanently living together at the same address for more than six months. See Couples Travel Insurance.

If your eligible UK trip includes a cruise, additional Cruise Cover may be required for cruise-specific benefits. See Cruise Travel Insurance and check the Policy Wording for the cover required.

Business Travel Cover may be added where available for additional protection relating to eligible business equipment, documents and other covered business-travel risks. See Business Travel Insurance.

Some activities may be covered as standard, while others may require additional cover or may be excluded. Check your planned activities against the current Policy Wording and see Sports & Activities Cover for more information.

It is generally worth arranging travel insurance once you’ve booked your UK holiday so that eligible pre-departure cancellation cover can begin in accordance with the policy terms.

Yes, provided the trip meets the policy requirements. An eligible UK trip must be for 2 nights or more in pre-booked paid accommodation and otherwise meet the applicable policy terms and eligibility requirements.