Do I actually need travel insurance?

It’s up to you whether you decide to travel with or without travel insurance. If you choose to go without, be aware that you will need to take care of all potential expenses yourself. This would include medical expenses, which can easily add up to thousands of pounds.

You may already have travel insurance included with your bank, tour operator, or flight provider. We would always suggest that you double-check your cover (especially medical), when it comes to these policies.

Some countries also have reciprocal health agreements with the UK, such as the GHIC in Europe or Medicare in Australia. Note that there might still be additional fees or charges alongside these.

Related FAQs

1. What is travel insurance?
2. When should I buy my travel insurance?
3. I’m travelling today - can I get cover?
4. Can I get travel insurance if I've already travelled?
5. How do you define a UK resident?
6. Is there an excess?
7. Do I need to tell you each time I travel on an annual policy?
8. Can my family travel separately under an Annual Multi-Trip policy?
9. Can I make changes to my policy after I've bought it?
10. Can I use this policy to work abroad?
11. What is an EHIC or GHIC?
12. Should I take an EHIC/GHIC?
13. What if the FCDO advises against travel?
14. How do I cancel my policy?
15. Where are my policy documents?