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Comprehensive travel insurance is a must when going abroad. From medical expenses, sudden cancellations and lost or stolen baggage, it is imperative to ensure you are adequately insured to avoid ending up out of pocket should the unexpected occur.
Our easy to use comparison tool gives you an excellent choice of products from leading providers at a competitive price; we are bound to be able to find something to suit all requirements.
How it works
Get a quote
Get a no obligation quote either online or over the phone in minutes.
Compare all available options to find the most suitable policy for your needs.
Apply and complete an application swiftly, for immediate cover.
|Travel Insurance Comparisons|
Premiums are a comprehensive policy, based on a non-smoking 80-year-old traveller, going to Spain June 1-8, 2018, taking one blood pressure medication and medication for high cholesterol. Prices correct at October 31, 2017.
Call on:0800 074 9829
Good facts to know
What can a travel insurance policy offer?
From pre-existing medical conditions to holiday cancellation and curtailment, make sure you have the cover you need.
- Cover for pre-existing medical conditions, including:
- Heart Conditions
- Respiratory Problems
- Renal or Liver Conditions
- And many more.
- Cover for lost or delayed luggage.
- Cover for cancellation expenses.
- Cover for personal accident, personal liability and travel delay.
What else can PayingTooMuch.com, The Telegraph’s travel insurance partner offer you?
- Fully underwritten products – Ensuring the policy covers all eventualities.
- Choices of cover levels – Tailored policies to suit individual needs.
- Online quote journey – Quote, access and apply at any time.
- Over-the-phone sales, assistance and information – no obligation.
- Dedicated support specialists.
- Points-based, customer rewards scheme (points redeemable for cashback!)
Points to remember
Details that all travellers should bear in mind before going away.
- Ensure you have sufficient cancellation expenses to cover the cost of your trip. Most travellers are unaware that if the cost of the holiday is more than the cancellation cover on their insurance, that the insurer will only pay out a proportion of the cancellation claim, due to being underinsured.
- Get an EHIC AND travel insurance. Many travellers think the EHIC is an alternative to travel insurance; however, this is not the case. The EHIC will only cover necessary medical treatment within the EEA which may not always be free. It will also not cover repatriation expenses, loss of baggage / passport or cancellation expenses.
- Book insurance when you book your holiday. This will ensure that you are adequately covered for cancellation expenses should anything go awry before you travel!
- Ensure your travel vaccinations are up to date! Did you know that you will not be covered for any medical claims arising as a result of you not having had the relevant vaccinations for the country you are travelling to?
- Insure all travellers on one policy. This will ensure that if one of your party is unable to travel, all insured persons will be covered to claim for cancellation of the trip.
- Declare ALL pre-existing medical conditions. Failure to disclose certain medical conditions (including asthma!) could lead to your policy being invalid. If in doubt as to what you must declare, always ask your insurer for their guidelines.
Frequently asked questions
Who needs specialist travel insurance?
Anybody that has pre-existing medical conditions will need to ensure that these have been declared to their insurer, regardless of how long ago they occurred. This does not necessarily preclude cover being available, especially if you shop around, but failure to disclose pre-existing conditions could result in your policy being invalid. Therefore, it is important to make sure you purchase a policy from a specialist provider who will cover your medical conditions if the worst were to happen.
What is a pre-existing condition?
You will need to declare to the insurers if you or anyone else insured on the policy has ever had, or been treated for any:
- Respiratory conditions (relating to lungs or breathing e.g. asthma or COPD)
- Heart conditions
- Neurological conditions (including stroke and epilepsy)
- Blood circulatory conditions (e.g. high blood pressure, blood clots or blood disorders)
- Renal, liver or kidney conditions
- Any psychiatric or psychological conditions (including anxiety, stress and depression)
You also need to declare:
- Any medical condition for which you have received surgery, inpatient or outpatient treatment, tests or investigations in a hospital, clinic or GP surgery within the last two years
- Any medical condition for which you have been prescribed medication in the last five years – that you haven’t already mentioned.
Providing your policy includes cover for your pre-existing medical conditions, you should be covered in all eventualities if any claim were to arise as a result of your declared conditions.
What are the most common reasons that people need travel insurance?
Travel insurance is designed to protect you against a variety of eventualities, such as loss / theft of personal possessions, holiday cancellation and public liability costs amongst other things. However, the most common reason people need insurance is for medical expenses and repatriation. A travel insurance policy is most commonly designed to cover the cost of emergency medical treatment abroad in the event of something unexpected occurring – something which can be very costly!
Will an EHIC card help?
An EHIC card allows UK residents to access medical treatment in EEA countries, and they will only be charged the same rate as locals. This is great for minor conditions or issues, such as a trip to a GP or getting some stitches, but isn’t sufficient when someone needs serious and prolonged medical assistance. Therefore, an EHIC card should be complemented by comprehensive travel insurance, so that all bases are covered.
What is repatriation and is that covered?
Repatriation is the arrangement of specialist medical transport to take you home following medical treatment abroad. Repatriation is covered under the medical expenses on all policies.
What happens if I need medical attention abroad?
Whether an emergency situation or not, you (or someone acting on your behalf) should always contact your insurance company before agreeing to any treatment. They will be able to advise you of the best course of action and pre-accept your claim, negating any concerns over whether the claim will be accepted further down the line.
Most insurers would expect you to pay the cost of any outpatient treatment (to the value of £500) up front and then claim the costs back upon your return home. For any emergency, or more expensive, inpatient medical treatment your insurer will liaise with the hospital or medical facility treating you and arrange payment with them directly.
When should I purchase my insurance?
Most people buy their travel insurance as soon as they’ve booked their flights / hotel / holiday, as they will usually be covered for cancellation (of anything already paid for) from the date the travel insurance was purchased, although there is no legal requirement to do this.
There are some people who prefer to leave buying their insurance until the last minute so they can get the cheapest possible premium as insurance premiums can go down the closer you get to the departure date because there is less chance of a claim being made for a cancellation.
Two things to also note are:
- Some insurers will only cover cancellation if the departure date is within 12 months of the purchase date of the travel insurance, so you may need to check this
- If you have declared and covered pre-existing medical conditions on your travel insurance, most insurers will only cover cancellation due to one of these conditions within 3 months of your departure date.
Which hazardous activities do you cover?
Many of our providers will include some cover for hazardous activities but will have specific terms you need to comply with. As the cover and terms for hazardous activities varies significantly by provider, once you have completed a quote it will be in your best interest to refer to the specific policy wording to make sure it provides you with the cover you require.
Can I purchase annual cover?
We can provide quotations for both annual and single trip insurance. Generally, an annual policy will work out to be cost effective for travellers going abroad four to five times per year. We offer a comparison tool, which will allow you to compare the cost of annual cover alongside a single trip policy, so you can work out which type of cover is most suitable for your needs.
15,000 customers have written an independent review on Trustpilot
The Telegraph have partnered with PayingTooMuch.com for travel insurance as they offer excellent value policies which cover pre-existing medical conditions for persons up to 99 years of age. Their friendly UK-based call centre can deal with all queries and offer quotes over the phone or customers who prefer to transact online can complete their transaction using their quick and simple quoting tool. Their outstanding customer service has helped thousands of Telegraph customers save money and provided peace of mind when taking their holidays.
Call on:0800 074 9829
Lines are open 8am-8pm Monday to Friday and 9am-5.30pm Saturday and Sunday (except bank holidays). Calls are recorded and monitored for quality assurance and training purposes.
Telegraph Media Group Limited (TMG) is an Introducer-Appointed Representative of PayingTooMuch.com
PayingTooMuch.com offers products from a limited number of insurers for specialist travel insurance risks. They do not charge a fee for this service. You will not receive advice or a recommendation from them. They may ask some questions to narrow down the selection of products that they will provide details on. You will then need to make your own choice about how to proceed.
PayingTooMuch.com is a consumer website run by Eclipse Financial Systems Limited and is a trading style of Eclipse Financial Management Limited for Financial Services Products that are regulated by the Financial Conduct Authority. FCA registration number 535496.
Registered in England number 07412856.
Registered Office, York House, 210 City Fields Way, Tangmere, Chichester, West Sussex, PO20 2FR.
Learn more about Telegraph Travel Insurance
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