Travel Insurance UK

What does travel insurance cover?

Travel insurance covers the financial cost of things that can go wrong before or during a trip — emergency medical treatment abroad, repatriation, cancellation and curtailment, lost or delayed baggage, missed departure and personal liability. Premier Insurance arranges single-trip, annual multi-trip, family, cruise and backpacker cover for UK residents, including specialist medical risks, winter sports and pre-existing condition declarations that high-street insurers frequently decline.

Emergency medical and repatriation

This is the section that matters most. Emergency medical expenses cover hospital treatment, ambulance, dental emergencies and the cost of bringing you home if you cannot fly commercially — including air ambulance and a medical escort where required. Limits up to £10m are standard on a properly placed policy. A serious incident in the US can run into six-figure bills; in the EU, the GHIC card alone does not cover repatriation.

Cancellation, curtailment and travel disruption

Cancellation reimburses non-refundable trip costs if you cannot travel due to a covered reason — illness, bereavement, jury service, redundancy or FCDO advice against travel. Curtailment covers the unused portion of the trip if you have to come home early. Missed departure, travel delay and abandonment respond when transport failure disrupts your journey beyond a stated threshold.

Baggage, personal money and personal liability

Baggage covers loss, theft and damage to luggage, usually with a single-article limit that requires high-value items (cameras, laptops, jewellery) to be specified. Personal money covers cash and travellers' cheques. Personal liability (typically £2m) covers claims from third parties for injury or property damage you cause abroad.

Single trip, annual multi-trip and specialist add-ons

Single-trip suits one-off holidays; annual multi-trip typically pays for itself from two or three trips a year. We add winter sports, cruise, golf, business travel and extended-stay / backpacker sections as needed, and place pre-existing medical condition declarations with insurers willing to underwrite them properly rather than excluding the very thing most likely to claim.

Common questions about travel insurance

When should I buy travel insurance?

At the point you book the trip. The cancellation section only responds to events that happen after the policy starts, so buying cover months after booking leaves a gap. Annual multi-trip policies start cancellation cover from the policy date forward.

Will my policy cover pre-existing medical conditions?

Only if declared and accepted by the insurer. Failure to declare a known condition almost always voids the medical section. We place declared-condition cover with insurers who underwrite the risk rather than excluding it, including conditions other brokers decline.

Does travel insurance cover FCDO "advice against travel" cancellations?

This varies by insurer and is one of the most important wording points to check. Some policies cover cancellation where the FCDO advises against all but essential travel to your destination after you bought the policy; others exclude it. We highlight this on every quote.

Is winter sports cover included as standard?

Usually no — winter sports must be added as an extension and rated for the activities (off-piste, heli-skiing and ski-touring often carry additional terms). The same applies to cruise cover and high-risk activities like scuba diving below 18 metres.

For a travel insurance quote — single trip, annual or specialist medical — call 020 8908 2426, message WhatsApp 07954 331362, or request a callback.