A package holiday and ATOL protect your money if the operator collapses, but neither covers emergency medical treatment or repatriation. ABI members paid 262 million pounds in travel medical claims in 2024.
Baggage cover sits behind layered limits: a single overall cap, lower sub-limits for valuables and a per-item single article limit. One Staysure tier caps mobile phones at 100 pounds. Here is how the figures work and where claims fail.
Gadget cover on UK travel insurance carries single-item limits and unattended-item conditions. Tesco's add-on covers up to 3,000 pounds per person, underwritten by AmTrust Specialty Limited.
How travel insurance cancellation cover works in the UK: what it pays, which reasons are covered, how to set the limit to your prepaid non-refundable costs, and where claims get declined.
Medical screening decides whether a travel policy pays out. FCDO guidance states failing to declare a condition may invalidate cover, and ABI members paid 262 million pounds in medical claims in 2024.
UK government guidance says to buy travel insurance as soon as you book, because cancellation cover only runs from the day you pay. Here is why the timing matters and what the gap costs.
Travel insurance is not a UK legal requirement, but ABI members paid 472 million pounds across more than 500,000 claims in 2024. What FCDO advice, the NHS GHIC and the regulator actually say.
How UK travel insurance treats kidney disease and dialysis: FCDO declaration rules, screening on stability and dialysis, and what specialist providers like Staysure, AllClear and Avanti accept.
Crohn's disease and other inflammatory bowel conditions are declarable medical conditions. FCDO guidance warns that failing to declare may invalidate cover. How UK medical screening works.
Arthritis is a declarable condition for UK travel insurance. FCDO guidance warns that failing to declare may invalidate a policy. How screening, stability and specialist cover work.
High blood pressure is a declarable condition. Failing to declare it may invalidate cover. How hypertension screening, stability periods and medication questions work, and which UK specialists accept it.
A history of stroke or TIA is a declarable pre-existing condition under FCDO guidance. How medical screening, stability questions and specialist cover from Staysure, Avanti and AllClear actually work.
COPD is a declarable pre-existing condition, and FCDO guidance warns that failing to declare may invalidate cover. How medical screening, stability and specialist UK insurers work.
Asthma is a declarable condition: failing to declare it may invalidate your policy, per FCDO guidance. How screening, inhaler and hospital-admission questions work, and which UK specialists accept it.
Anxiety and depression are declarable conditions on most UK travel policies. How medical screening, stability periods and specialist providers such as Staysure, Avanti and AllClear handle mental health.
Diabetes is a declarable condition: failing to declare it can invalidate a claim. How type 1 and type 2 screening, stability periods and specialist providers such as Staysure, Avanti and AllClear work.
The UK GHIC card does not cover any Caribbean nation, and emergency medical costs abroad can run into six figures. What UK travellers need to check before buying Caribbean cover.
Mexico sits outside the UK GHIC scheme, and FCDO advice warns some hospitals demand upfront payment. An analysis of medical limits, activity add-ons and regional cover gaps for UK travellers.
Bali sits outside GHIC coverage and offers no NHS reciprocity, so UK travellers carry the full medical bill. What FCDO advice and ABI claim data mean for cover limits and activity add-ons.
A UK GHIC is not valid in Turkey, so private medical treatment and repatriation rest entirely on your travel policy. What FCDO advice and cover limits mean for Turkey trips.
A GHIC gets UK travellers state healthcare in Spain but never covers repatriation or private care. FCDO and ABI figures show why a separate policy still matters.
The UK GHIC does not apply in the UAE, and Dubai hospitals can refuse treatment without proof of insurance. What to check on a Dubai travel policy, grounded in FCDO advice.
India sits outside the UK GHIC scheme, so a card gives no state-healthcare access there and never covers repatriation. What UK travellers should check before buying cover.
The UK GHIC is not valid in Canada, where the FCDO warns there are no special arrangements for British visitors and medical treatment can be very expensive. What UK travellers should check before buying cover.
The UK and Australia have a reciprocal health agreement, yet it excludes ambulances and repatriation. What UK travellers should check before a trip Down Under.
What worldwide travel insurance covers, why a free UK GHIC fails outside the EEA and never pays for repatriation, and the cover limits to check before a long-haul trip.
A GHIC covers state healthcare across the EEA but never repatriation, private care or ski rescue. What UK travellers to Europe should check on medical limits, excess waivers and add-ons.
The UK GHIC does not cover Thailand, where all hospitals require a guarantee of payment before treating patients. What UK travellers should check on medical limits, scooter clauses and repatriation cover.
Both bundle worldwide cover into a paid account: Monzo Max from 17 pounds a month with Zurich, Revolut Metal from 14.99 with Chubb. Trip caps, age limits and claims differ sharply.
Coverwise is a Gibraltar intermediary underwritten by Inter Partner Assistance (AXA Group); Holiday Extras is FCA-authorised in Kent with Great Lakes UK behind it. A factual comparison of cover, limits and claims.
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