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How to Claim on Travel Insurance: The Best UK Step-by-Step Guide 2026

A UK guide to claiming on travel insurance: when to call the 24-hour assistance line, what to document, why ambulance transport is charged separately, and how to escalate to the Financial Ombudsman Service for free.

15 Jun 2026 · 6 min read

What Travel Insurance Does Not Cover: UK Exclusions Explained 2026

Undeclared conditions, FCDO no-go zones, alcohol-related injuries and uncovered activities are the exclusions behind most declined UK travel claims. A source-led breakdown of what policies leave out.

15 Jun 2026 · 6 min read

GHIC vs Travel Insurance: What is the Difference (UK 2026)

A UK GHIC is free and lasts up to 5 years, but it does not cover repatriation, private treatment or ski rescue. Here is how it differs from travel insurance.

15 Jun 2026 · 6 min read

Best Business Travel Insurance UK 2026: What Frequent Work Travellers Need to Check

Business travel cover differs from a holiday policy on equipment, money and replacement-employee benefits. How annual multi-trip structures, trip caps and tiers actually work for frequent UK work travellers.

15 Jun 2026 · 5 min read

Best Travel Insurance for Trekking UK 2026

Standard travel policies often stop at 2,000m and GHIC excludes mountain rescue. This guide explains altitude limits, search and rescue, and the trekking add-ons UK trekkers need to check.

15 Jun 2026 · 5 min read

Best Travel Insurance When Already Abroad 2026

Most UK travel policies must start before you leave home. A small number of specialist providers cover travellers who are already abroad, but with waiting periods, age caps and strict pre-departure exclusions.

15 Jun 2026 · 5 min read

Best Travel Insurance for Non-UK Residents 2026

Most UK travel insurers require six of the last twelve months' residency plus UK GP registration. A look at the residency rules to check and the providers that cover non-residents.

15 Jun 2026 · 6 min read

Best Backpacker Travel Insurance UK 2026

How long-stay backpacker travel insurance differs on trip duration, activity packs and gadget cover, grounded in FCDO guidance and verified UK long-stay policy structures.

15 Jun 2026 · 6 min read

Best Long-Stay Travel Insurance UK 2026: Gap Year and Extended Trip Cover

Standard annual policies often cap a single trip at around 31 days. Long-stay cover from True Traveller runs to 18 months, or 24 months for Worldwide including USA and Canada. Here is what to check.

15 Jun 2026 · 6 min read

Best Child Travel Insurance UK 2026: How Cover for Children Works

How UK travel insurers define a child: Coverwise covers children under 18 (under 23 in full-time education), while Monzo Max Family covers dependents aged 19 or under, or 21 in education.

15 Jun 2026 · 6 min read

Best Travel Insurance for Pregnancy UK 2026: What Cover Actually Includes

Most UK insurers do not treat pregnancy as a pre-existing condition, so it rarely needs declaring. What matters is complications cover and the airline cut-off dates around 37 weeks.

15 Jun 2026 · 6 min read

Best Travel Insurance for South America UK 2026

A UK buyer guide to travel insurance for South America: why GHIC does not apply, what FCDO advice means for multi-country trips, and how altitude trekking add-ons and medical limits work.

15 Jun 2026 · 5 min read

Best Travel Insurance for South Africa from the UK (2026)

There is no healthcare agreement between the UK and South Africa, so the GHIC does not apply. This guide sets out what to check in a policy for safaris, adventure add-ons and remote-area repatriation.

15 Jun 2026 · 5 min read

Best Travel Insurance for the USA UK 2026

US hospital costs make medical limits the figure that matters. The ABI recorded one member paying over 1 million pounds for a single USA hospitalisation and repatriation in 2024.

15 Jun 2026 · 5 min read

Best Travel Insurance for Over 60s with Medical Conditions UK 2026

How age-band pricing and pre-existing medical declarations interact for over-60s travellers, grounded in FCDO declaration rules, GHIC limits and ABI claims data for 2024.

15 Jun 2026 · 5 min read

Best Travel Insurance for Heart Conditions UK 2026

Cover for angina, heart attack history, stents and atrial fibrillation hinges on medical screening and FCDO declaration rules. How cardiac cover works, plus the MaPS specialist directory.

15 Jun 2026 · 6 min read

Best Student Travel Insurance UK 2026: Study Abroad and Long-Stay Cover Compared

Study-abroad and gap-year trips often run past the trip-duration caps on standard policies. How long-stay student cover handles course fees, gadgets, the GHIC and activity add-ons.

15 Jun 2026 · 6 min read

Best Travel Insurance for Cancer Patients UK 2026

A cancer diagnosis or past treatment must be declared, or a policy can be invalidated. How medical screening works and which UK specialist insurers cover cancer travellers.

15 Jun 2026 · 6 min read

Best Travel Insurance for Over 70s UK 2026

Many bundled bank and packaged policies stop accepting travellers in their late 60s or early 70s, while specialist insurers advertise no upper age limit. How over-70s cover differs, and what to declare.

15 Jun 2026 · 5 min read

Best Travel Insurance for Undiagnosed Medical Conditions UK 2026

Travelling while awaiting a diagnosis or test results? FCDO guidance warns that failing to declare conditions or pending tests may invalidate cover. How undiagnosed-condition policies actually work.

15 Jun 2026 · 6 min read

Best Cruise Travel Insurance UK 2026: Compared

The FCDO advises cruises need an extra level of cover because reaching hospital is harder at sea, and a GHIC does not fund repatriation. What cruise-specific benefits and medical limits to verify in 2026.

15 Jun 2026 · 4 min read

Top 10 Insurance Brokers UK 2026

Ten of the largest UK insurance brokers by market scale, what each focuses on and how to verify a broker on the FCA Register. No quotes, routing or commission.

15 Jun 2026 · 7 min read

Best Watch Insurance UK 2026

Compare watch insurance in the UK. Standalone and home-based cover for theft, loss and damage from FCA-authorised providers, with no quotes or commission.

15 Jun 2026 · 7 min read

Best Tool Insurance UK 2026

Compare tool insurance for UK tradespeople. Theft, overnight van and transit cover from FCA-authorised providers, with no quotes, routing or commission.

15 Jun 2026 · 7 min read

Best Tenants Insurance UK 2026

Compare tenants contents insurance in the UK. Belongings and tenant liability cover from FCA-authorised providers, with no quotes, routing or commission.

15 Jun 2026 · 7 min read

Best Small Business Insurance UK 2026

Compare small business insurance from FCA-authorised UK insurers. Liability, contents and packaged cover explained, with no quotes, routing or commission.

15 Jun 2026 · 7 min read

Best Public Liability Insurance UK 2026

Compare public liability insurance from six FCA-authorised UK insurers. Cover, exclusions, limits and how to verify a provider, with no quotes or commission.

15 Jun 2026 · 9 min read

Best Public Liability Insurance for the Self Employed UK 2026

Compare public liability insurance for the self-employed in the UK from FCA-authorised providers. Cover, limits and how to verify. No quotes or commission.

15 Jun 2026 · 7 min read

Best Photography Insurance UK 2026

Compare photography insurance in the UK. Equipment, public liability and professional indemnity cover from FCA-authorised providers, with no quotes.

15 Jun 2026 · 7 min read

Best Personal Trainer Insurance UK 2026

Compare personal trainer insurance in the UK: public liability and professional indemnity cover from FCA-authorised providers. No quotes, routing or commission.

15 Jun 2026 · 6 min read