Cost of Travel Insurance in the UK
Travel insurance is an essential cost when planning a holiday, covering medical emergencies, cancellations, and lost belongings.
How much does travel insurance cost in the UK?
The cost of travel insurance in the UK typically ranges between £10 and £50 per person for a single trip, depending on destination, age, and level of cover in 2026.
Quick Answer
| Cover Type | Cost |
|---|---|
| Basic (Europe) | £10 – £25 |
| Standard (Worldwide) | £20 – £40 |
| Comprehensive cover | £30 – £80+ |
| Annual multi-trip | £40 – £120 |
Travel Insurance Costs by Destination
| Destination | Average Cost |
|---|---|
| Europe | £10 – £25 |
| USA / Canada | £25 – £60 |
| Worldwide | £20 – £50 |
| Cruise cover add-on | £10 – £30 extra |
What Affects the Cost?
- Destination (USA more expensive)
- Trip length
- Age of traveller
- Medical conditions
- Level of cover (basic vs comprehensive)
Cost for Families
| Family Type | Cost |
|---|---|
| Couple | £20 – £60 |
| Family of 4 | £30 – £100 |
Annual vs Single Trip
| Type | Cost |
|---|---|
| Single trip | £10 – £50 |
| Annual multi-trip | £40 – £120 |
Annual cover is often better value if you travel more than once per year.
What Does Travel Insurance Cover?
Most policies include:
- medical treatment abroad
- trip cancellation
- lost or delayed luggage
- personal liability
Ways to Save Money
- compare providers
- avoid unnecessary add-ons
- choose appropriate cover level
- consider annual policies
Frequently Asked Questions
Is travel insurance worth it?
Yes — it can save thousands in medical or cancellation costs.
Why is USA travel insurance more expensive?
Medical treatment costs are significantly higher in the US.
Can you travel without insurance?
Yes, but it’s risky and not recommended.
What is the cheapest travel insurance?
Basic European cover is usually the cheapest option.
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- Average Spending Money for a Holiday