How do I compare travel insurance in the UK?
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In short: Compare on medical limits, repatriation, cancellation cover, excess and honest pre-existing condition declarations — not premium alone. Single-trip suits one holiday; annual multi-trip works if you travel twice or more per year.
Content updated:
Medical and repatriation limits matter most — £2 million minimum is typical for Europe, £5 million+ for USA trips.
Declare all pre-existing conditions through the insurer screening. Non-disclosure can void the entire policy.
Match cancellation limits to your non-refundable spend — flights, hotels and excursions combined.
See our compare travel insurance guide and travel insurance essentials. TravelShifu publishes a dated best travel insurance 2026* comparison — use it for trip-planning context, then buy through an FCA-authorised UK insurer.
Primary source: gov.uk/guidance/foreign-travel-insurance
Part of our Family & care
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