single trip gadget insurance

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Gadget cover

Cover for all the tech you couldn’t live without, up to £1.5k cover.

For gadgets that are lost, stolen or damaged in a trip

5 Star rated cover

Our Platinum Travel Insurance has Defaqto's highest rating

Unlimited gadgets

From your camera to your smart watch and more

What’s gadget insurance?

Gadget insurance, also known as gadget cover, is a travel insurance add-on which covers tech items like cameras or mobile phones. It pays for either repairing or replacing lost, stolen or damaged gadgets while you’re travelling. If you choose to add gadget insurance to your travel insurance, we’ll pay up to £1,500 for the gadgets that you need to claim on in a single trip.

Do I need gadget insurance?

Gadget insurance is useful for anyone travelling away with high-value gadgets like cameras, laptops or phones.

You should check whether you're already covered elsewhere:

• On your home or contents insurance - home insurance policies often cover gadgets away from home
• With your phone provider - your phone might still be under warranty, although this usually only applies to mechanical faults

What gadgets we cover

Digital cameras, smart phones, we also cover:.

• Audiovisual and television equipment
• Electronic book readers (Kindles)
• Telescopes and accessories

Check your policy book for the full list.

We'll cover these gadgets up to £1,500 if you bought them new; we can only cover refurbished gadgets from the manufacturer or a reputable retailer.

Guide to your Travel Insurance cover

What isn't covered, gadgets left in public places.

Including tents, cars, hotel storage rooms, or as checked-in baggage.

Wear and tear

We don't cover general wear and tear or gradual deterioration of performance. As the value of gadgets declines over time, we also don't pay out the full cost if the gadget is more than a year old.

Unattended gadgets

We don't cover gadgets you leave unattended unless locked in a safety deposit box where available, or stored safely and hidden from plain view in your locked accommodation.

Mechanical faults

This includes damage caused by the failure of electrical equipment, software, or any associated equipment.

Check your policy book for the list of exclusions.

How to add gadget cover to your policy

For new customers, you can add gadget cover as a policy upgrade when buying your travel insurance . If you’re an existing customer, you can add it to your policy through your travel portal .

How to claim on your gadget insurance

Below are the most common claims, but get in touch with us if you're unsure.

My phone's been stolen

If your phone has been stolen, you need to:

• report any theft to the police or your transport operator within 24 hours
• get a police or property irregularity report for the items stolen
• contact your network provider within 24 hours
• have receipts and any other supporting documents ready
• visit our make a claim page to register your claim with us

Remember to check your excess limits.

I've lost my gadget

Contact your accommodation or transport provider to report your gadget lost in case they locate it. When you're sure it's lost, you need to:

• have receipts, evidence of loss or any other supporting documents ready

My gadget's been damaged

If your gadget's been damaged, you need to:

• take pictures of the damage to your gadget with another device
• have receipts, proof of ownership or any other supporting documents ready

Your excess limits

Excess is the amount of money you pay to your insurance provider if you need to claim. This applies to each insured person for each type of claim you make. For gadget insurance, your excess limits are:


• £50 for Admiral policies

• £50 for Admiral Gold policies

• £50 for Admiral Platinum policies

Always check your policy schedule, as your excess limits might differ if you don't buy directly through us.

Still have questions?

We've answered a bunch of your frequently asked questions.

Useful travel guides

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Ultimate guide to hand luggage restrictions

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Choose the pdf relevant to your policy start date....

How does single trip travel insurance work?

Who needs single trip travel insurance.

• Choosing travel insurance

Purchasing single trip travel insurance

Single trip travel insurance frequently asked questions, what is single trip travel insurance.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Single trip travel insurance covers unexpected costs incurred during a trip.
• Compared to annual travel insurance, single trip insurance is more flexible and comprehensive. 
• Premiums are based on trip costs, usually between 4% to 8%, but CFAR coverage may increase costs.

No matter the asset, protecting your investments via insurance is a proven means of providing coverage against financial loss. On par with homeowners, automobile, and life insurance, travel insurance is a proactive means of preparing for the uncertainties of travel, from flight delays and cancellations to lost luggage and medical emergencies.

The best travel insurance plan meets your specific needs. Single trip insurance protects one specific trip, offering the flexibility to tailor your insurance to your travel plans. If you're taking one large trip, perhaps your dream vacation, single trip insurance can protect your investment and provide peace of mind before, during, and after takeoff.

Single trip travel insurance covers unexpected additional expenses while on a trip. Often used interchangeably with traditional travel insurance, single trip travel insurance is the most popular type of insurance policy purchased by travelers in the US. Among its many benefits, this basic travel coverage is flexible, cost-effective, and comprehensive. 

Compared with annual travel insurance coverage (which covers multiple excursions to and from home within a specified period and comes with a cap), traditional policies cover a range of unforeseen events and emergencies leading up to (and for the duration of) your trip. Single trip travel insurance cost is typically a percentage of your trip costs, anywhere from 4% to 8% of your trip's total cost

Coverage options in single trip policies

Travel insurance covers unexpected financial losses while traveling. This can include inconveniences that happen throughout a trip, like lost baggage, missed connections, and travel delays. For example, travel insurance can cover meals purchased at the airport after your flight has been delayed for a certain amount of time.

However, travel insurance is especially helpful when more serious incidents occur. For example, travel insurance will cover non-refundable deposits in the case of an unexpected trip cancellation, as long as your trip was canceled for a covered reason.

Additionally, medical emergency insurance is particularly helpful when traveling abroad, where US-based health insurance usually can't help you. Depending on your policy, travel insurance can cover hospital room and board, prescription medicine, and even surgeries. It may also pay for medical evacuations and repatriations.

Additional coverage options

Most insurance providers will provide additional coverage options if you're looking for something more specific. For example, if you're traveling to a destination for extreme sports like skydiving, you can add adventure sports coverage to your policy.

You can also add Cancel For Any Reason to your policy, if you think you may cancel your trip for an uncovered reason, like fear of flying. However, you will need to be mindful of when you purchase travel insurance, CFAR is only available if you purchase travel insurance within two to three weeks of placing a deposit on your trip. You can find our guide on the best CFAR travel insurance here.

Traditional travel plans are typically designed for the leisure traveler. In other words, vacationers who want to protect against unexpected, sometimes catastrophic financial losses related to an upcoming vacation pay a small fee relative to trip costs.

"The typical travel insurance buyer is someone who can't afford to lose non-refundable trip deposits such as for a cruise or vacation rental if forced to cancel [a vacation] for a covered reason," says Carol Mueller, vice president of Berkshire Hathaway Travel Protection . "It is also for the vacationer concerned about medical emergencies or medical evacuations [while away from home] that could cost thousands of dollars and [are] not covered by a health insurance plan."

However, if you have multiple trips coming up within a 365-day, annual travel insurance may be worth a look. While a single trip policy will end when you return home, annual travel insurance will cover any trips you take over a year.  

Choosing the right single trip policy

Since it can be overwhelming to sift through the myriad options available, Jones offers some tips to help travelers make the right decision when choosing travel insurance coverage:

Think about your needs: Consider the kind of trip you are taking and the activities you're planning. If you're traveling for a sports trip, you may want extra protection for your sports equipment. But it's often simpler. For example, you'll need travel medical insurance for emergencies as your standard health insurance probably won't cover you abroad.

Compare policies: Compare policies from multiple providers to find one meeting your needs and budget. Look for policies with comprehensive coverage for unforeseen events such as medical emergencies and trip cancellations. You can see which is more affordable when you have similar plans side-by-side. Just don't forget to account for any differences to get the most competitive pricing.

Read the fine print: Make sure you understand any exclusions or limitations before purchasing a policy. Some coverages, like cancel for any reason travel insurance, may have a time limit, but the coverage should be straightforward. Other cancellation coverage will most likely have important exclusions you should know.

Consider preexisting conditions: If any travelers in your party have preexisting medical conditions, ensure the policy you plan to purchase covers them. You may have to pay extra, but it will cost you a lot less than trying to find essential medications while you're on the road, especially if you're traveling internationally.

Look for customer reviews: Check customer reviews to see how other travelers have fared with the policy and provider. You can use sites like Trustpilot, ConsumerAffairs, and the BBB.

Purchase early: It's important to secure coverage at the same time you book your trip, as some coverage may only be available within a specific timeframe. Like your plane tickets and other travel arrangements, you may qualify for lower rates or discounts if you buy early.

Finally, planning to swipe a family vacation off your bucket list? Investing in travel insurance is the smart and savvy way to ensure you eventually reach your destination (financially) unscathed, despite any minor derailments.

"You can't predict what can go wrong before you leave for, or even [what transpires] during your vacation. That's why it makes sense to consider purchasing a comprehensive, traditional plans protect you against financial losses you never thought would happen," says Mueller.

While you can insure any trip, single trip travel insurance is best for long, expensive, or international trips. It's best to buy insurance shortly after booking your trip, ideally within two weeks of placing the deposit on your trip. 

Hundreds of plans offer similar coverages and benefit limits. Working with a certified insurance professional is the easiest way to cut through the hundreds of similar plans, find a quite, and purchase the plan best suited to your trip based on travel mode, trip cost, family presence, and more. 

After all, even the best-laid plans (and most detail-oriented itineraries) are subject to change due to unforeseen circumstances. While myriad travel-related details lie within your control, like when you go and where you stay, a few unpredictable variables will always remain. Proper insurance coverage might be the solution to anticipating all of them and ensuring a smooth journey one step at a time.

While single trip insurance is often more valuable for trips that are longer and international, insurance for domestic trips can be beneficial if they involve non-refundable expenses.

Yes, single trip policies can include multiple destinations within one trip, as long as all destinations are included in the policy.

You should purchase single trip insurance soon after booking your trip to qualify for benefits like CFAR policies and pre-existing condition waivers . Additionally, if your trip gets canceled before you can purchase travel insurance, you may not get your money back.

Most single trip insurance policies cover cancellations due to illness without the need for CFAR insurance, but it's important to check the specific terms of your policy.

While policy extensions are possible, rules depend on your insurer. Additionally, there may be a limit on how long you can extend your policy. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

Gadget insurance: compare cover for your laptop, smartphone, smartwatch and more

Navigate the options when it comes to gadget insurance

If you’ve never lost your smartphone, cracked the screen of your tablet, or chipped, scraped, smashed or drowned another high-value electronic item, then quite frankly, we salute you. We can see why you'd laugh in the face of gadget insurance.

But the fact is the vast majority of us fall have at one time or another fallen foul of our own clumsiness. And with our devices becoming increasingly expensive – not to mention important to our everyday lives – it’s no wonder specialist gadget insurance is an ever-growing industry.

Traditional home and travel insurance policies are becoming outdated and sometimes fail to cover our mobile devices; the very items that are most likely to get lost, stolen or damaged.

That’s why it's only natural to want to protect our gadgets with an additional insurance package, and you’re in the right place to find out what your gadget policy will cover, what it won’t cover, and who the best insurers are.

What does gadget insurance cover?

Gadget insurance policies can cover a whole array of items – perhaps more than you’d think – encompassing emerging tech as well as old school essentials. The products covered can include smartphones , tablets (including iPads), laptops (including MacBooks), iMacs, smartwatches, sat navs, e-readers (including Kindles) , digital cameras, MP3 players, portable games consoles, VR headsets, drones and more.

• Specifically looking for smartphone cover? Head to our guide on mobile phone insurance

Why do I need gadget insurance?

If you’re prone to losing and damaging your devices, a good gadget insurance policy could save you a lot of time, money and hassle in getting a replacement.

What your insurance covers depends on the insurer and the policy plan. Always take a careful note of exactly what your gadget insurance policy stipulates so you don’t get surprised on a technicality and prevented from redeeming your insurance when you need it.

A typical gadget insurance policy will cover you for accidental damage to your devices, theft, loss and breakdown. Other circumstances you may be covered for (but not always) include liquid damage, the cost of unauthorised calls, texts and data when your phone has been stolen, and malicious damage if someone has taken their anger out on your poor device.

Is there anything my gadget insurance won't cover?

As above, this will depend on your products, the insurer and the specific policy you sign up for, so make sure you read the wording carefully. Water damage and breakage through carelessness, for example, may be covered by some policies but not by others.

Additional factors that could prevent you from being covered are the age of the product (a device you’ve had for two or three years may not fall into the policy), a cap on the pay-out for a single incident, and a limit on the number of incidents the insurer will pay out for each year.

Can I get gadget insurance for travelling?

Yes, you can. Aimed at backpackers and holidaymakers alike, there are insurance policies specifically made to cover gadgets while you travel.

If you already have a travel insurance policy, don’t assume this will cover your gadgets on your trip as many don’t. What may be available, however, is an add-on which extends the travel policy to cover your electronic devices.

You may find that these add-ons aren’t as extensive as a specialist travel insurance policy for gadgets, so if you carry a lot of devices while you travel or they’re of particularly high value, it may be worth shopping around for a separate policy.

For those looking for gadget insurance while travelling, World Nomads are perhaps the major player in the market, but you may also want to get a quote from True Traveller who can offer you a policy even if you’ve already begun travelling. 

Doesn't my home insurance cover gadgets like these?  

If you're currently using your home insurance hoping that will cover your phone, think again. Home insurance only covers the device when in the house and even then it's usually in the event of a burglary or a home fire only.

We have more information on this question in our dedicated Q&A: does my home insurance cover gadgets?

Which gadget insurance providers should I compare?

Among the most popular and well-reviewed gadget insurance policies are Protect Your Bubble, Row.co.uk (covering liquid damage and unauthorised calls as well as the more typical issues) and Loveit Coverit Premium (including unlimited worldwide cover).

If you’re pretty locked in to Apple ’s ecosystem in terms of the devices you own, AppleCare+ may be the insurance policy for you, as this can provides specialist technical support and hardware coverage for iPhones, iPads, Macs, Apple Watches, Apple TV, HomePods and iPods.

Of course, the major mobile networks also offer their own insurance products (you’ve almost certainly had the sales pitch if you’ve bought a device in-store!). For smartphones, the annual cost of these range from £100 to £180, with Three, EE and Vodafone able to replace your phone the very next day. O2 takes 5-7 days with its policy.

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Do you have a gadget you can’t do without? Plenty of us do these days, and that doesn’t change just because you’re on holiday. That piece of technology can be even more vital when we’re abroad. Whether it’s the mobile phone you use to translate or the camera you’re capturing your trip with, we all have something we want to ensure is protected while on holiday.

That’s where travel insurance with gadget cover comes in. This specialist type of InsureandGo travel insurance gives you extra protection for your most valuable items. We can include this additional cover on any of our policies, including worldwide travel insurance or cheap family travel insurance .

What’s Covered in Our Travel Insurance Gadget Cover?

So what’s covered on an InsureandGo gadget insurance policy? When you add extra valuables cover to your policy, we can cover all of the items listed below, up to £2,000 total cover, with a limit of up to £1,000 per single item.

• Photographic, audio, video and electrical equipment (including CDs, DVDs, video and audio tapes and electronic games)
• MP3 players
• games consoles
• personal organisers
• eReaders (including eBooks and Kindles)
• computer equipment
• tablet PCs (including iPads)
• netbook computers
• e-cigarettes and associated vapour liquids
• leather goods
• animal skins
• precious stones and items made of or containing gold, silver or precious metals
• hearing aids
• sports and leisure equipment (e.g. bicycle)
• musical instruments
• mobile phones and mobile phone accessories

Gadget cover is an excellent addition to our activity travel insurance , allowing you to cover your sports and leisure equipment up to a higher limit. If you have our winter sports travel insurance , you can also increase the cover for your winter sports equipment with gadget insurance.

Travel insurance for laptops

If you’re travelling with a laptop our travel insurance for gadgets will protect you from loss, theft or damage while on your trip.

Camera travel insurance

Our gadget travel insurance also protects cameras, which is fantastic news for those who love to take plenty of holiday snaps.

Phone travel insurance

Phones are convenient to have with you on holiday, working as everything from sat navs to translators, and letting us keep in touch with our loved ones at home. Make sure your phone is covered with travel Insurance including gadget cover.

Events covered by our gadget travel insurance

Our gadget travel insurance covers your items for loss, theft or damage while on holiday, but terms and conditions apply.

What you are covered for  After taking off an amount for age, wear and tear and loss of value, we will reimburse you for a valuable item that you have lost or that has been damaged or stolen during your trip. The maximum payment for any one item will be £1000 with a total payment for all items of £2000.  Please note: we reserve the right to apply an additional 10% deduction to any item claimed with a value over £100, following our standard deductions for age, wear and tear and loss of value, where you cannot prove you own it or provide proof of purchase (e.g. original receipts).

Gadget Travel Insurance Exclusions

While we are happy to provide cover for your valuables and gadgets, there are some exclusions to our gadget travel insurance. For example, we will not cover the following under travel gadget insurance;

• downloaded content such as music, books or games
• prepaid minutes you have not used on your mobile phone, or mobile phone rental charges
• fragile items such as china or glass

For a full list of exclusions, please see the policy wording booklet for your chosen level of cover.

Helpful Tips to Keep Your Gadgets and Valuables Safe

While gadget travel insurance protects you should your items be lost, stolen or damaged, it is better to avoid this by following some simple steps.

• Always keep your items on you, or store them in a safe in your accommodation. Keeping your items secure or on your person severely limits opportunities for them to be stolen or damaged.
• Invest in protection for your items. A decent, sturdy cover and screen protector can protect your items from accidental damage while on holiday. 
• Backup your data. Before you leave for your trip, ensure you create a digital backup of all your information.
• Turn off data roaming on your phone. Avoid unexpected costs by switching off your mobile data abroad unless this is included with your plan.
• Remember your chargers. Ensure you’ve packed all your chargers in your hand luggage before leaving for the airport.
• Be cyber safe. Cyber security is just as important as physical security while on holiday. Check out our cyber security tips for travelling .

You should also read our top 10 travel hacks and our 6 essential travel hacks for a comfortable and enjoyable flight .

Gadget Cover FAQs

What is travel insurance gadget cover.

Travel insurance for gadgets is a type of cover add-on which lets you protect your most essential items up to a higher value than the normal policy amount. You can include gadget travel insurance on our single-trip travel insurance and our annual trip travel insurance policies.

Does travel insurance include gadgets?

Travel insurance does cover many items as standard, but gadget travel insurance protects your items up to a higher limit.

Does travel insurance cover for loss of mobile phones?

InsureandGo policies cover the loss or theft of mobile phones while on a trip. However, you should check the cover limits, and if necessary, take out our extra valuables cover to protect your phone.

Do I need travel insurance gadget cover?

To ensure your valuable items are covered sufficiently, you should buy gadget cover for your InsureandGo policy.

How do I add gadget insurance to my policy?

When you buy your policy online, select the “valuables extension” add-on to your policy. Alternatively you can call our UK-based call centre and our team will guide you through the process. You can also add valuables cover to an existing policy by contacting us .

WHAT OUR EXPERTS SAY Nick Heady says, “Don’t underestimate how important your gadgets can be when you travel. We rely on mobile phones for so many things. While it may be nice to enjoy some time away from your screen while on holiday, it’s still a vital piece of equipment. You may not realise how important it is until you can’t use it.”

So wherever your travels take you, ensure your most important items are appropriately covered with gadget travel insurance from InsureandGo. Remember to arrange it as soon as you book your trip.

• Unlimited emergency medical expenses available on Black level policies.
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Welcome to loveit coverit, we believe that insurance should be simple, comprehensive, and delivered with a human touch. Our travel insurance, phone insurance , and gadget insurance are designed to offer simple processes, high-quality policies, and peace of mind, so you don't have to worry about a thing. Since being founded by the seaside in South-East Essex, we have sold over 1 million policies, offering an award-winning level of care that no one else comes close to. Our goal is to make sure our customers are not left in the lurch, with easy processes from getting a great quote to making a claim, we are here to assist and help you protect the things you love. As a modern brand with a forward-thinking mindset, our teams of tech and travel enthusiasts stay on top of the latest trends and technologies in the mobile phone and gadget world as well as the hottest (or coolest!) destinations around the globe. Join the loveit coverit family today and experience insurance that goes beyond just protection. With our affordable prices, you can enjoy the benefits of comprehensive mobile phone, gadget and travel insurance without breaking the bank. We are authorised by the Financial Conduct Authority, rated as Excellent on Trustpilot, and have won service awards 5 years running!

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The Definitive Guide to Single Trip Travel Insurance

The single trip travel insurance guide.

There are currently well over 500 different single trip travel insurance policies to choose from. Selecting the right policy can seem a little overwhelming, so you will be glad to know that we have reviewed every one for you, ranking them by cover, sums insured and premium.

This review guide will help you understand what to look out for when picking single trip travel insurance and how to choose the right policy for you and your family.

The Single Trip Travel Insurance Market

What is a single trip travel insurance, what does single trip travel insurance cover.

• When should I buy single trip travel insurance

Can you take out single trip travel insurance after leaving?

Why get single trip insurance, who is a single trip travel insurance policy for, how much does single trip travel insurance cost, what affects the price of single trip travel insurance, what are the benefits of single trip travel insurance, what are the drawbacks of single trip travel cover, what are the exclusions under single trip holiday insurance, what extras can i include under a single trip travel.

• Tips when comparing single trip travel insurance.

Despite the current economic climate and the looming results of Brexit, there has been a steady increase in the number of visits abroad, which have risen by 31% since 2010, a trend which has been forecast to continue.

78% of all trips abroad were to Europe, with Spain being the most popular European destination (26% of all trips). North America (including Canada) was the second most visited destination with 6.5% of all UK overseas visits being made to the region. The number of flights leaving UK airspace has also increased from 46 million in 2013 to 61.7 million in 2017.

Short breaks and city trips, particularly to European destinations is a rising trend aided by budget airlines and an avalanche of online providers offering cheaper last minute deals. Trips typically last no more than four nights. This has led to a change in holiday habits, indicating that consumers are taking a greater number of shorter overseas breaks rather than one long annual holiday.

The benefit of a single trip policy is that you are only paying for the specific time you are away.

As mentioned above single trip travel insurance covers a wide range of unknown situations, such as:-

• Cancellation/Curtailment/Abandonment - The need to cancel, curtail or abandon your trip, as a result of death, bodily injury, illness, redundancy, foreign office directive, natural disaster or catastrophe.
• Emergency Medical Expenses – The cost of medical treatment and associated expenses (such as repatriation) required as a result of an illness or injury caused whilst you are abroad.
• Baggage Cover – The loss, theft, or accidental damage to your luggage, personal possessions or money.
• Missed Departure – additional expenses to assist you in reaching your destination if you have missed your original departure.
• Delayed Departure – Compensation if your flight is delayed for 12 hours or more.
• Delayed Baggage – The cost of essential items if your baggage has been lost or delayed.
• Personal Accident – Financial compensation disability or death as a result of an accident.
• Personal Liability – Protection if you injure a third part or damage their property.
• Legal Expenses – Should you need to sue for compensation.
• Hijack/Mugging – Compensation should you be hijacked or mugged whilst abroad.

When should I buy single trip travel insurance?

Your single trip policy should be purchased the moment you book your holiday or trip. Even if you are not planning to travel for several months, the moment that you take out a policy, you will be covered for cancellation of your trip.

For example: -

You or a relative become sick or have an accident and are unable to go on the trip.

You might have been made redundant and can't afford to go on the trip and you didn't know about the redundancy when you booked.

You could be forced to cancel your holiday due to bereavement.

Despite the need to book insurance immediately after you have reserved your trip, it is estimated that 35% of consumers actually take out travel insurance 0-1 days before they leave. Whilst no-one wants to cancel their trip abroad, at least insuring early will mean the Insurer will refund some or all of the travel costs.

Yes . If you have already left and forgotten travel insurance, there are several companies who will still provide cover. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim.

Obviously, the Insurer would not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them, or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim.

We have listed a few examples of companies who offer this service.

• True Traveller
• Globelink Travel Insurance
• Alpha Travel Insurance

To prevent fraud, there is normally no cover in the first 48 hours after you’ve taken out a policy, except where you suffer an injury as a result of an accident.

Whilst the last twelve months has seen an increase in the sale of single trip travel insurance, it is estimated that anywhere between 1 million to 3 million travellers didn't bother to take out a policy before they left for their trip abroad. Those customers who didn't take out cover cited the cost, poor past experience, or ignorance as the main reasons for not insuring themselves.

Travel Insurance has never been more competitive. A single trip policy covering a few days away can be purchased for just a few pounds. There is no good reason for you to travel abroad without Insurance. It doesn't make any financial sense NOT to take out travel insurance.

If you are planning a trip, even if it is only to Europe for a few days, you shouldn't just rely on the European Health Insurance Card . A serious injury may still leave you with a large medical and repatriation bill, having your luggage stolen or having to cancel the trip altogether, can leave you thousands of pounds out of pocket. For the cost of a round of drinks, you can travel knowing you are fully protected, should the unthinkable happen.

Most single trip policies can be taken out by an individual. Many policies offer a discount for couples (who live together) and families consisting of a single or two parents and up to eight children. In many cases children can travel free of charge

Asda Travel Insurance will include children at no extra cost under their family policy

Insurewithease.com will cover children for free under all their single trip policies

Some single trip policies will allow groups of individuals (who are not necessarily related) to cover themselves under the same policy (as long as they are travelling together and to the same destination). The majority of these will cover up to ten individuals and offer a discount.

A few companies will cover more than ten individuals such as TopdogTravelInsurance.com

Most policies require you to insure for a minimum of three days with a maximum period of 12 months (some companies will cover you up to 24 months), useful if you are planning to travel around the world for a year, or need to spend a few months with relatives. (There are specialist backpacker policies for longer term travel, but the cover isn't usually as comprehensive).

What you’ll pay for travel insurance is affected by a number of individual factors, such as:

Your age - In general the younger you are the cheaper your insurance is going to be. However some Insurers charge more for the under 25's, so it's important to compare costs. Price increase steadily until you hit your 60's when there is a huge step up in cost, in some cases by as much as 100%.

For travellers over the age of 75 the choice becomes less and the premium even higher. There are several companies who have no age limit on single trip travel insurance such as Holidaysafe.com , and Allclear Travel Insurance , who also specialise in travel insurance with Medical Conditions.

The level of cover - Like other companies, we rate travel insurance policies on a scale of 1 - 5, (with 5 being the highest rating) but unlike other companies, we take a much stricter approach to our award structure. We believe a 5 star policy should be just that, a policy that has the most comprehensive and highest levels of cover, combined with the lowest excess.

Of course these policies come with a higher price tag, but you can still find five star rated policies that are extremely competitive. For Example Holidaysafe's five star rated Premier Plus policy costs only £39.23 for a two week vacation anywhere in the world.

Four star policies are still worth considering but may not have the absolute highest levels of cover. The cheapest four star rated policy based on the same duration and destination as the example above is through Explorer Travel Insurance and their four star rated Platinum policy costing £28.37 .

If you don't need the highest levels of cover, three star policies are an option. Cover tends to meet the industry averages, but may be missing features like gadget cover, or end supplier failure and the excess may be higher.

You need to pay more attention and compare policies carefully if you are choosing a three star policy, to make sure your requirements are still met, but there are some great bargains to be had. Using the same criteria as above, Alpha Travel Insurance provides the cheapest option in respect of their three star rated Alpha 50 ST policy costing £22.61 .

One and two star policies are for those who only require the bare minimum cover for example just medical expenses and aren't worried about cancellation, baggage cover, missed or delayed departure. The advantage is that premiums are extremely cheap. If you are one of those people that hasn't in the past bothered with travel insurance, you should at the very least opt for a one or two star rated policy that covers emergency medical expenses, like CheaperTravelInsurance's bronze policy .

The type of holiday - two weeks sunbathing by the pool is going to cost less than two weeks skiing. Any holiday which includes adventurous activities such as skiing, scuba diving, mountain climbing, or trekking will cost you more and in most cases will be a paid option in addition to the standard premium.

Your Destination - Trips are normally split into three or four (sometimes five) regions. Trips to Europe France Germany etc. will be the cheapest. Taking advantage of the European Health Insurance card means that medical bills are lower for the Insurer.

Some Insurers charge a higher premium to include Balearic countries (Mallorca for example), as they tend to operate a higher level of private healthcare which costs more.

Some Insurers use a different rating structure if you are visiting either Australia or New Zealand. Whilst medical costs tend to be higher than European countries, there are reciprocal healthcare arrangements in place between the UK and these countries, known as MEDICARE and the medical cost to the Insurer is reduced.

The last two regions are the rest of the world excluding the USA and Canada and worldwide including the USA and Canada. In general terms, the further you travel the more expensive the policy will be. The cost of medical treatment in the USA and Canada, whilst excellent, is notoriously expensive and naturally premiums charged reflect this.

The duration of your holiday - Simply put, the longer you are abroad, the higher the cost of travel insurance.

Medical Conditions – if you have a pre-existing medical condition, chances are your premium will be higher. However there are some good travel insurers, who specialise in travel insurance with Medical conditions such as All Clear Travel Insurance . Don’t be tempted not to disclose any conditions, as failure to declare a pre-existing medical condition could invalidate your insurance. Read our guide on the rules of taking medicine abroad .

• You only pay for the exact time you will be away.
• The cover you choose will be tailored to that specific trip. For example if you have recently purchased an expensive laptop, you can make sure it’s specified. You can also make sure specific activities are covered which may not be the case with annual travel insurance .
• Most annual policies have a single trip limit of 31 days. If you are travelling abroad for a longer period, a single trip policy would be the only option.
• If you are only planning to go abroad once per year, a single trip policy should be cheaper than an annual one.
• It may be more expensive to purchase single trip policies if you are planning more than one trip per year.
• Every time you take a trip abroad, you would have to spend additional time re-comparing quotes and cover.
• You must remember to take out a single trip policy every time you book a trip abroad.
• Prices for travel insurance could increase over the course of a year, whereas with an annual policy you have already paid the premium for twelve months cover.
• Loss or theft of, or damage to baggage, including valuables, gadgets and money if they are left unattended at any time (including a vehicle, or whilst in the care of a carrier), unless they were locked in a safe or left in your locked accommodation.
• Loss or damage caused by your baggage being delayed confiscated or detained by customers or any other authority.
• Losing or not having the correct documents (passport, visa, inoculation certificate, travel tickets) that you need to travel.
• Travelling to a country or specific area, which has been advised against by the Foreign and Commonwealth office, or World Health Organization.
• Travelling, to take part in a professional sport, or professional entertaining.
• Changing your plans, returning home or cancelling a trip, because you no longer want to travel, didn’t enjoy the holiday or simply changed your mind.
• Placing yourself in unnecessary danger, for example jumping or diving from a pier, wall, bridge or rock, including tomb stoning, or shore diving.
• Climbing on top of or jumping from a vehicle. Climbing or jumping from a building or balcony.
• Drinking too much alcohol, or taking drugs.
• Claiming for costs that were paid for using any airline mileage reward scheme.
• Claiming for illness caused as a result of a pre-existing medical condition, which you didn’t declare when taking out the insurance.
• Planning an adventure holiday which includes an activity such as skiing , scuba diving, white water rafting or mountaineering and you haven’t told the Insurer.

In addition to the standard cover, you are in many cases, able to extend a policy to include further activities such as Golf or Cruise holidays , and the additional costs associated with a wedding abroad.

Travel Insurance may also be extended to cover business trips , including business equipment and car hire excess. For those who plan to trek or mountaineer, cover can be extended to include the cost of search and rescue.

Tips when comparing single trip travel insurance

You should think about the type of trip you are taking (business, relaxing holiday, weekend break, adventure holiday), the overall cost, how much luggage you are taking with you.

Emergency Medical Treatment - The vast majority of policies cover £10 Million and upwards, but you should go for at least £5 Million.

Cancellation – Make sure that the maximum exceeds the total cost of your holiday, including hotel or villa, flights, or cost of travel and pre-paid excursions.

Baggage – Add up the total cost of personal possessions that you will take with you on your trip and make sure this is under the policy limit. Also pay attention to the single article limit, the valuables limit, and the limit for gadgets like laptops, mobile phones etc. Make sure you are not carrying more than you are insured for.

Money and Cash – Check the policies inner cash limit. Don’t carry more cash than the limit allows, because if it is stolen or you are mugged, you won’t be insured.

Legal Expenses – It is always good to know that you have any legal costs covered, so go for a policy that includes it as standard.

Personal Liability – Accidents happen and sometimes caused by you, so choose a policy that includes at least £1 Million, preferably £2 Million of Personal Liability cover.

Activities – Think about the activities you plan to do whilst on your trip and check the policy to ensure they are either automatically included (even common activities like swimming or snorkelling) or that you have paid the correct additional premium to include them.

Excess – Some policies don’t charge any excess, but if you can stand to take a small hit in the event of a claim, then premiums can be reduced if you elect a large voluntary excess.

Finally if you are using a comparison website, don’t just settle for the cheapest, because the protection offered may not be enough to cover your holiday. Carry out your research carefully. If you want an unbiased opinion use our free travel insurance comparison and rating tool to help you narrow down your search.

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For further information about the Horizon IT Scandal, please visit our  corporate website

Gadget cover for travel

These days phones and other gadgets are essential on many travel packing lists. We provide limited cover under our standard policies. Our Gadget cover is a way to increase the amount we cover and includes additional gadgets and devices that you may take with you. Add it with ease with our optional gadget cover by paying a little extra.

Add up to £2,000 optional cover for gadgets like phones, tablets and smart watches

Once upon a time, going away involved passports, insurance papers, boarding passes and more. Now you can travel with just your passport and phone. But many of us take lots of other tech too.

Snapping photos on your phone? Reading on your tablet? Watching a film on your laptop? Keeping kids entertained on a console? Gadget cover can give you the added protection you need.

We cover a range of devices and gadgets 

To make sure you’ve got the cover you need, we offer cover for a range of gadgets, including: 

Mobiles, smartphones and tablets

Digital and video cameras

• Bluetooth headsets and speakers

Laptops and game consoles

Satnavs, smart watches and wrist-worn activity trackers

For the full list, please read the policy wording .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance.

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Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common gadget cover questions

What is the gadget cover option.

Our gadget cover is an optional extra for travel insurance. It provides protection for technology you take away on holiday. You can add it to your policy to provide cover for a long list of devices you might want to take with you.

Why add the post office gadget cover option to your policy?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit.

• Economy cover: £150
• Standard cover: £250
• Premier cover: £400

Our gadget cover option is a way to increase the cover provided on our standard policy for the above listed items, as well as providing cover for other devices or gadgets that you may take with you. Just pay an extra premium to add it to your policy. See below for what extra gadgets and devices can be covered.

Is this the same as Post Office Gadget Insurance?

No, gadget cover in this sense is an add-on for Post Office Travel Insurance policies only. It’s different from Post Office Gadget Insurance , which provides everyday protection for gadgets rather than on your travels.

What does the optional gadget cover provide?

Gadget cover offers protection for various devices including:

• Mobile phones and smart phones
• Laptops (including custom built)
• Digital cameras
• Games consoles
• Video cameras
• Camera lenses
• Satellite navigation devices
• Headphones and earphones
• Smart watches or wrist-worn health and fitness trackers
• All accessories for these items

What about items covered by my home insurance?

You'd only be covered for items on your home contents insurance if you chose out-of-home cover. Even then your cover might have a limit well below £2,000.

If you have home contents insurance, check whether it includes cover for gadgets you want to take on holiday. You may need supplementary cover. 

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (1)
• No age limit

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

365 days for persons aged up to and including age 70

90 days for persons aged between 71 and 75

31 days for persons aged between 76 and above

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Single Trip Insurance

As you set out on your dream vacation or perhaps an urgent business trip, ensuring you’re covered for unforeseen events should be top of mind. Single Trip Insurance offers precisely this peace of mind for one-time trips. In this guide, we unravel the whys and how’s of this essential travel companion.

Understanding Single Trip Insurance

Defining the basics.

Unlike annual or multi-trip insurance, Single Trip Insurance covers you for one journey, from the time you depart your home until you return.

Who is it for?

From honeymooners to business travelers, it’s ideal for those who travel occasionally and require cover for a specific trip.

Benefits of Single Trip Insurance

Tailored coverage.

You can customize your policy depending on the destination, duration, and nature of your trip.

Cost-Effective

For infrequent travelers, Single Trip Insurance is often more affordable than annual policies.

Perfect for those who prefer a straightforward, one-time purchase without the commitment of a long-term policy.

What Does it Cover?

Medical emergencies.

From sudden illnesses to injuries, get comprehensive medical cover, including hospital bills and evacuation.

Trip Cancellation

Unexpected events can lead to trip cancellations. Be it illness, work emergencies, or natural calamities, be assured of compensation.

Lost Luggage

Your belongings are protected against theft, damage, or misplacement by airlines.

Personal Liability

Covers legal liabilities if you accidentally injure someone or cause property damage.

Additional Covers

These might include cover for sports activities, hijack distress allowance, or even home burglary insurance when you’re away.

How to Choose the Best Policy

Assess your trip.

Consider the trip’s nature (business or leisure), activities planned (like adventure sports), and the destination’s medical costs.

Coverage Amount

Ensure the sum insured is adequate, especially for medical emergencies.

Read the Exclusions

Always check what’s not covered. Common exclusions might include injuries from extreme sports or incidents under the influence of drugs/alcohol.

Premium vs. Features

Don’t just go for the cheapest. Evaluate the features, coverage, and customer reviews.

Consider Add-ons

Depending on your trip, consider additional covers like cruise cover, winter sports cover, or gadget insurance.

FAQs on Single Trip Insurance

1. can i extend my single trip insurance if my trip is prolonged.

Yes, many providers allow extensions, but there’s usually a limit. Always notify before the original policy expires.

2. Is it different from family travel insurance?

While the core features remain the same, family travel insurance covers the entire family under one policy.

3. Are pre-existing diseases covered?

This varies by policy. Some may offer it with a higher premium, while others might exclude it.

This  isn’t just a formality; it’s a necessity that ensures your adventures remain filled with pleasant memories. By shielding you from the financial consequences of unforeseen events, it lets you explore with confidence and peace. Safe travels!

Note: Always consult directly with insurance providers or licensed agents before choosing a policy. Ensure it aligns perfectly with your travel needs.

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Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

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• SINGLE TRIP INSURANCE
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• UK DAY & BREAK COVER
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Open Open Monday to Friday 8:30am to 6pm, Saturday 8:30am to 4pm and closed Sundays. (Calls may be monitored or recorded)

Contact details can be found in your policy documentation

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Travel Insurance Russia

Russia country guide.

• Country Facts
• Embassies & Visas
• Cities/Regions

Quick Facts

Region: Europe Full Name: Russian Federation Capital City: Moscow Language Spoken: Russian, many minority languages

Russia Travel Insurance

Get travel insurance to Russia from Direct Travel Insurance. We offer low cost and high quality travel insurance to Russia and most of the world.

Geographic data

60 00 N, 100 00 E

Elevation Extremes

lowest point: Caspian Sea -28 m highest point: Gora El'brus 5,633 m

Land boundaries

total: 20,096.5 km border countries: Azerbaijan 284 km, Belarus 959 km, China (southeast) 3,605 km, China (south) 40 km, Estonia 294 km, Finland 1,340 km, Georgia 723 km, Kazakhstan 6,846 km, North Korea 19 km, Latvia 217 km, Lithuania (Kaliningrad Oblast) 280.5 km, Mongolia 3,485 km, Norway 196 km, Poland (Kaliningrad Oblast) 232 km, Ukraine 1,576 km

Natural hazards

permafrost over much of Siberia is a major impediment to development; volcanic activity in the Kuril Islands; volcanoes and earthquakes on the Kamchatka Peninsula; spring floods and summer/autumn forest fires throughout Siberia and parts of European Russia

Natural resources

wide natural resource base including major deposits of oil, natural gas, coal, and many strategic minerals, timber note: formidable obstacles of climate, terrain, and distance hinder exploitation of natural resources

arable land: 7.17% permanent crops: 0.11% other: 92.72% (2005)

Environmental current issues

air pollution from heavy industry, emissions of coal-fired electric plants, and transportation in major cities; industrial, municipal, and agricultural pollution of inland waterways and seacoasts; deforestation; soil erosion; soil contamination from improper application of agricultural chemicals; scattered areas of sometimes intense radioactive contamination; groundwater contamination from toxic waste; urban solid waste management; abandoned stocks of obsolete pesticides

Northern & Central European Russia: The most varied climate; mildest areas are along the Baltic coast. Summer sunshine may be nine hours a day, but winters can be very cold. Siberia: Very cold winters, but summers can be pleasant, although they tend to be short and wet. There is considerable seasonal temperature variation. Southern European Russia: Winter is shorter than in the north. Steppes (in the southeast) have hot, dry summers and very cold winters. The north and northeastern Black Sea has mild winters, but heavy rainfall all the year round.

Time difference

time difference: UTC+3 daylight saving time: +1hr, begins last Sunday in March; ends last Sunday in October note: Russia is divided into eleven time zones

142,893,540 (July 2006 est.)

Age structure

0-14 years: 14.2% (male 10,441,151/female 9,921,102) 15-64 years: 71.3% (male 49,271,698/female 52,679,463) 65 years and over: 14.4% (male 6,500,814/female 14,079,312) (2006 est.)

total: 38.4 years male: 35.2 years female: 41.3 years (2006 est.)

Population growth rate

-0.37% (2006 est.)

9.95 births/1,000 population (2006 est.)

14.65 deaths/1,000 population (2006 est.)

Net migration rate

1.03 migrant(s)/1,000 population (2006 est.)

at birth: 1.06 male(s)/female under 15 years: 1.05 male(s)/female 15-64 years: 0.94 male(s)/female 65 years and over: 0.46 male(s)/female total population: 0.86 male(s)/female (2006 est.)

Life expectancy at birth

total population: 67.08 years male: 60.45 years female: 74.1 years (2006 est.)

Total fertility rate

1.28 children born/woman (2006 est.)

Business Practices

Business meetings are typically formal and Russian businessmen largely stick to numerous formalities. For example, to address a Russian by his first name, unless invited to do so, may be considered an insult. If the guest speaks Russian, they should be sure to use the vy (formal) form, not the ty (informal) form. Address Russians with their titles and their last names: "Chairman Mironov", "General Designer Medvedov". Many fledgling Russian entrepreneurs speak at least some English, but if business is outside of Moscow and St. Petersburg, or if you are dealing with large factories or institutes, it may be more difficult to find English speakers. At the end of a formal visit, Russians like to exchange gifts. Usually, a company manager may present a pin or pen with a company logo. The foreign visitor should also bring a small gift -- pens, pins, cups, or plates with company logos are probably the best. Office hours are 0900-1800 Monday to Friday.

Recent police statistics for Moscow report an overall decline in crime, though drug-related crimes, murders, and kidnappings have increased, and street crime, sometimes violent, remains a continuing problem. Nevertheless, crimes against foreigners is a problem, especially in major cities. Pickpocketings, assaults, and robberies occur frequently and at any time or place. The most vulnerable areas include underground walkways and the subway, overnight trains, train stations, airports, markets, tourist attractions, restaurants, hotel rooms, and residences, even when locked or occupied. Groups of children are known to assault and rob foreigners on city streets or underground walkways. Foreigners who have been drinking alcohol are especially vulnerable to assault and robbery in or around nightclubs or bars, or on their way home. Robberies may occur in taxis shared with strangers. Travelers have found it safer to travel in groups organized by reputable tour agencies. Thieves, known as 'banditry' in Russian also frequently target hotel rooms. The Ukraina hotel is the site of the most frequent reported crimes. The hotel administration has established a consistent pattern of allowing thieves free access and failing to cooperate in investigating complaints. One foreigner awoke on his first night in Moscow to find two thieves letting themselves into his room with a passkey. When they started to carry out his still packed luggage he confronted them and received a three-inch gash across his throat and two slit nostrils for his trouble. Instead of cooperating with the police, the hotel administration slandered the victim, saying he was entertaining prostitutes in his room. There have been sporadic attacks on foreigners by "skinhead" groups in some Russian urban centers. Many of these attacks appear to target university students, particularly those of Asian and African origin. Travelers are urged to exercise caution in areas frequented by "skinhead" groups and wherever large groups have gathered. Demonstrations occur frequently in Moscow and other cities. While these demonstrations have been peaceful and controlled, it is best to avoid such gatherings. Extortion and corruption are common in the business environment. Organized criminal groups target foreign businesses in many cities and have been known to demand protection money under threat of serious violence. Many Western firms hire security services, which have improved their overall security, although this is no guarantee. Small businesses are particularly vulnerable. Since the mid-1990's, several foreign business people have been attacked, kidnapped, and even killed. Extortion attempts should be reported to the Russian authorities and the businessperson's embassy or consulate. Business people who utilize local services for banking, security and medical treatment should limit the information provided to the minimum required, as reports have been received indicating that some individuals working in these sectors have passed confidential credit/financial, banking and medical information to organized crime gangs who use it to make extortion threats against foreigners.

While tourist facilities exist in Moscow and some other large cities, they are not developed in most of Russia and many of the goods and services taken for granted in other countries are not yet available. Moscow, St. Petersburg, Novgorod, Samara, Sochi and Vladivostok have western-style hotels, though priced at a premium compared with other major cities of the world. Outside the major cities, traditional Russian hotels often provide fairly modest accommodations, again for surprisingly high prices. It is possible to find remarkably well- appointed hotels in relatively small communities; it is also possible to find yourself temporarily without water or electricity when visiting other regions of Russia. As previously discussed, we recommend against staying at the Ukraina as foreigners staying there have often been victims of hotel theft.

Communications

Telephone IDD is available. Country code: 7. When dialing the Russian Federation from abroad, the 0 of the area code must not be omitted. Outgoing international code: 810. The Russian telecommunications system suffers from a lack of installed lines, outmoded switching equipment, and inadequate revenues to finance investment. The Ministry of Communications is dedicated to bringing the telecommunications infrastructure up to international norms as quickly as possible, and many multinational firms are vying for the opportunity to help in this undertaking. Although telephones, fax machines, and package delivery are available in Russia, they are often unreliable, especially outside the major cities (Moscow, St. Petersburg, etc.) and lengthy delays in service are not uncommon. International calls should be made through the hotel desk. Most international calls made from the cities of Moscow, St Petersburg and Nizhny Novgorod can be dialed directly, but in smaller cities and towns it may be necessary to go through the international operator and these should be booked well in advance. Post office hours: 0900-1900.

Electricity

is 220 volts AC, 50Hz. Electricity 220 volts AC, 50Hz.

Food And Dining

The kind of food visitors will eat from day to day depends on which city they are visiting and the time of year. Breakfast is often similar to the Scandinavian, with cold meats, boiled eggs and bread served with Russian tea. For the midday and evening meal the food is often more traditional, again depending on the region. National specialties: ? Kasha (porridge) is a staple breakfast dish, made with milk and oats, buckwheat or semolina. ? Blini (small pancakes filled with caviar, fish, melted butter or sour cream). ? Ponchiki (hot sugared doughnuts). ? Pirozhky (fried rolls with different fillings, usually meat). ? Borshch, a beetroot soup served hot with sour cream. ? Pelmeni (meat dumplings). Things to know: Drinks are ordered by grams or by the bottle. City-center bars close around midnight. National drinks: ? Chai (sweet tea served without milk). ? Vodka (often flavored and colored with herbs and spices such as zubrovka (a kind of grass), ryabinovka (steeped with rowan-tree berries), starka (dark, smooth, aged vodka) and pertsovka (with hot pepper). Posolskaya, Stolichnaya and Rossiskaya are popular brands. ? Krushon (cold 'punch'; champagne, brandy and summer fruit are poured into a hollowed watermelon and chilled for several hours). ? Nalivka (sweet liqueur made with fruit or berries). ? Nastoika is a fortified wine made of herbs, leaves, flowers, fruit and roots of plants with medicinal properties. Tipping: Hotels in Moscow and other large cities include a 10 to 15 per cent service charge. Otherwise 10 per cent is customary. Nightlife Theater, circus, concert and variety performances are the main evening entertainments. Tickets are available in advance or from ticket booths immediately before performances. Visitors should note that prices for foreigners are usually much higher than those paid by Russian nationals. The repertoire of theaters provides a change of program almost nightly. In the course of one month, 30 different productions may be presented by the Bolshoi Opera and Ballet Company. Details of performances can be obtained on arrival. Visitors should apply to the service bureau of their hotel. All of these establishments are open 0600-2200.

Entry departure requirements

Visa immigration information Passports Valid 10-year passport required by all. Note Whilst in the country, visitors must carry ID at all times. Rather than carry original documents, it is advisable to carry photocopies of passports and visas, which will facilitate replacement should either be stolen. Visas Required by all except the following, provided arriving from their country of origin: (a) nationals of CIS countries (except nationals of Georgia and Turkmenistan who do require visas); (b) nationals of Cuba for stays of up to 30 days; (c) nationals of Mongolia, provided visiting for purposes of business and holding letter of invitation and return tickets, or traveling as tourists and holding prepaid hotel vouchers; (d) transit passengers who are continuing their journey within 24 hours without leaving the transit area. Types of visa and cost Tourist, Business, Private and Transit: US$52 , if visa is processed in minimum eight working days. (Processing within three to five days costs US$103 ; next-day processing US$137 ; same-day processing US$155 ; processing within one hour US$206 ) An additional US$17 is payable for a double-entry visa. Multiple-entry: US$172 , standard six working days' processing (same-day processing costs US$258 ). Express: US$206 All French passport holders younger than 18 years pay half rate. Note (a) Nationals of some countries may have to pay a Consular fee in addition to the visa processing charges listed. Enquire at the Consulate or Consular section of Embassy for a list of nationals and prices. (b) Transit visas are required by all except passengers remaining in the transit zone of Moscow Sheremetievo airport for less than 24 hours. Validity Dependent on purpose of trip. Transit visas are valid for up to three days. Tourist visas are valid for up to one month. Private visas are valid for up to 90 days. Application to Consulate (or Consular section at Embassy); see Passport/Visa Information. Application requirements (a) Completed application form. (b) One recent passport-size photo stapled twice to upper-right corner of application form. (c) Passport valid for at least six months after visa expires, with at least two blank pages. (d) Fee, payable in cash only or postal orders for postal applications. (e) Postal applications must be accompanied by a large, pre-paid special delivery, self-addressed envelope. Tourist: (a)-(e) and, (f) Original tourist voucher (exchange order) issued by an authorized travel company stating their reference number, passenger names, dates of entry and exit, confirmation of payment, full itinerary, places to be visited, means of transportation and confirmation in Russian language. The voucher should be stamped and signed by an authorized person. (g) A standard tourist confirmation of acceptance (in the Russian language) issued by Russian tourist company or hotel accredited by the Ministry of Foreign Affairs in Russia, showing tourist reference number given by Russian Foreign Minister and names of applicants, full itinerary and dates of entry/exit. Private (for visiting relations or friends): (a)-(e) and, (f) Official original letter of invitation from Russian Ministry of Internal Affairs. Business: (a)-(e) and, (f) An official letter of invitation from company or organization in the Russian Federation responsible for visit, certified by the local branch of Russian Ministry of Internal Affairs. (g) An introductory letter from applicant's company stating purpose of visit, itinerary, dates of entry and exit, assuming financial responsibility for the visit and stating the companies to be visited. Transit: (a)-(d) and, (e) Original and copy of confirmed air ticket to and from the Russian Federation. Multiple-entry: (a)-(e) and, (f) Original and a copy of your confirmed air ticket to and from Russia. Note (a) Those who are traveling in groups (standard package tours, coach tours, international competitions and cruises) should submit all documentation to the tour operator making the travel arrangements. For visits to relatives/friends in the CIS, enquire at the Consulate for details of application procedures. (b) All travelers staying in the Russian Federation for longer than three days must register their visas through their hotel or sponsor. Private visitors must register with local police on arrival. For travel to Tajikistan, your invitation should be confirmed by the Ministry of Foreign Affairs of the Republic of Tajikistan. (c) French nationals should also have their previous three months' bank statements, medical insurance and a copy of their tickets. (d) German nationals and all other Schengen country nationals, plus holders of Israeli or Estonian passports, should have travel insurance valid in the Russian Federation. (e) USA passport holders are required to fill out a special visa application form. (f) Since February 2003, every foreign citizen is given a migration card free of charge when they cross the Russian border. They must fill in their personal data, terms, purpose of visit and prospective place of residence and present the card when applying for registration within three days of arrival. The migration cards must be handed back upon departure. Working days required One to 12, depending on type of visa. Postal applications take at least eight to 12 days to process. Applications for visas may not be made earlier than three months before departure. Visas should be submitted 0900-1200; visas submitted 1500-1600 will be charged at the Express Visa fee. Exit visas Exit visas are required by all passengers who want to leave the country and are normally issued together with the entry visa. If the exit permit has not yet been issued by the representative of the Russian Federation which issued the visa, aliens should obtain it two days prior to departure at the latest from the Intourist Service Bureau in their hotel. Temporary residence Enquire at Embassy.

HIV entry requirements

Test required for anyone staying longer than 3 months

Departure tax

Embassy of the Russian Federation in the UK 13 Kensington Palace Gardens, London W8 4QX, UK Tel: (020) 7229 2666. Website: www.great-britain.mid.ru Consular section: 5 Kensington Palace Gardens, London W8 4QS, UK Tel: (020) 7229 8027. Website: https://www.rusemb.org.uk/consular/ Opening hours: Mon-Fri 0900-1200 (visa submission), 1400-1800.

Embassy of the Russian Federation in the USA

2650 Wisconsin Avenue, NW, Washington, DC 20007, USA Tel: (202) 298 5700. Website: www.russianembassy.org Consular section: 2641 Tunlaw Road, NW, Washington, DC 20007, USA Tel: (202) 939 8907. Russian National Group in the USA 224 West 30th Street, Suite 701, New York, NY 10001. Tel: (646) 473 2233 or (877) 221 7120 (toll-free in USA). Website: www.russia-travel.com Because of the security situation in the North Caucasus, travelers are advised against all travel to Chechnya, Ingushetia, Dagestan and to the eastern and southern parts of Stavropol Krai that border Chechnya and Dagestan. Travelers are advised against all but essential travel to North Ossetia, Karachai-Cherkessia and Kabardino-Balkaria (including the Elbrus area). There is a high threat from terrorism in Russia, including suicide bombings in public places. Attacks have occurred most frequently in Moscow and in the North Caucasus. Travelers should be vigilant at all times and also watch out for pickpockets and street crime, especially in large cities and in busy areas, eg railway concourses. This advice is based on information provided by the Foreign, Commonwealth & Development Office in the UK. It is correct at time of publishing. As the situation can change rapidly, visitors are advised to contact the following organisaions for the latest travel advice: British Foreign, Commonwealth & Development Office Website: https://www.gov.uk/foreign-travel-advice/russia US Department of State Website: https://travel.state.gov/content/travel/en/international-travel/International-Travel-Country-Information-Pages/RussianFederation.html

Rouble (RUB) = 100 kopeks. Notes are in denominations of RUB1000, 500, 100, 50 and 10. Coins are in denominations of RUB10, 5, 2 and 1, and 50, 10, 5 and 1 kopeks.

Currency restrictions

The import and export of local currency is prohibited. The import of foreign currency is US$10,000 but sums greater than $3000 (or equivalent) must be declared. The export of foreign currency is limited to the amount declared on arrival.

Banking hours

Mon-Fri 0930-1730.

Currency exchange

Foreign currency should only be exchanged at official bureaux and authorized banks, and all transactions must be recorded on the currency declaration form which is issued on arrival. It is wise to retain all exchange receipts. Bureaux de change are numerous and easy to locate. Large shops and hotels offer their own exchange facilities. US Dollars in pristine condition are the easiest currency to exchange. It is illegal to settle accounts in hard currency and to change money unofficially.

Credit cards

Major European and international credit and debit cards, including Visa and Mastercard, are accepted in the larger hotels and at foreign currency shops and restaurants, but cash (in Roubles) is preferred. American Express cards may be turned down, but cash (in Roubles) is preferred. Check with your credit or debit card company for details of merchant acceptability and other services that might be available. ATM machines are widely available.

Travellers cheques

Cash is preferred. To avoid additional exchange rate charges, travelers are advised to take traveller's cheques in US Dollars.

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Dental care

Avoid dental treatment as the standards of care and hygiene cannot be guaranteed.

Medication Availability

Little international brand medication is available outside of Moscow or St Petersburg. If medication is required in these cities use the larger, reputable pharmacies where you are less likely to find counterfeits

Blood supplies

Screening is inconsistent in Russia, therefore blood supplies should be considered as unsafe

Medical facilities

Medical care is usually far below Western standards, with severe shortages of basic medical supplies. Access to the few quality facilities that exist in major cities usually requires cash payment at Western rates upon admission.

General caution

Recent medical and dental exams should ensure that the traveler is in good health. Carry appropriate health and accident insurance documents and copies of any important medical records. Bring an adequate supply of all prescription and other medications as well as any necessary personal hygiene items, including a spare pair of eyeglasses or contact lenses if necessary. Drink only bottled beverages (including water) or beverages made with boiled water. Do not use ice cubes or eat raw seafood or rare meat. Eat well-cooked foods while they are still hot and fruits that can be peeled without contamination. Avoid roadside stands and street vendors. Only pasteurized dairy products should be consumed.

Specific concerns

Press reports indicate increased incidences of diphtheria and other communicable diseases, and CDC reports a severe shortage of vaccines to combat these diseases. Health officials state the situation is particularly bad in the cities of St. Petersburg, Moscow, Krasnodar and Vladivostok, as well as in the Far East, including Primorsky, Maritime and Saratov regions. Travelers to Russia should be up-to-date on routine and recommended immunizations and are reminded to strictly follow food and beverage precautions. AIDS occurs. Blood supply may not be adequately screened and/or single-use, disposable needles and syringes may be unavailable. When possible, travelers should defer medical treatment until reaching a facility where safety can be assured. According to CDC, breakdowns in water purification plants have led to significantly higher rates of gastroenteritis, hepatitis A and bacterial dysentery. Also, a report from the country's Environment Ministry states that half of the country's population must rely on substandard drinking water. The intestinal parasite Giardia lamblia has been linked to St. Petersburg's water supply - which should be considered contaminated under all circumstances. Hikers should take protective measures against ticks.

Immunization

Hepatitis A: Consider active immunization with hepatitis A vaccine or passive immunization with immune globulin (IG) for all susceptible travelers. Especially consider choosing active immunization for persons planning to reside for a long period or for persons who take frequent short-term trips to risk areas. The importance of protection against hepatitis A increases as length of stay increases. It is particularly important for persons who will be living in or visiting rural areas, eating or drinking in settings of poor or uncertain sanitation, or who will have close contact with local persons (especially young children) in settings with poor sanitary conditions. Hepatitis B: Vaccination is advised for health care workers, persons anticipating direct contact with blood from or sexual contact with inhabitants, and persons planning extended stays of 6 months or greater (especially those who anticipate using local health care facilities, staying in rural areas, or having intimate contact with the local population). Japanese Encephalitis: Consider vaccination if staying a month or more in the far eastern maritime areas south of Khabarovsk from July to September, especially if travel includes rural areas. Also consider if staying less than 30 days during that period and at high risk (in case of epidemic outbreak or extensive outdoor exposure in rural areas). Polio: A one-time booster dose is recommended for travelers who have previously completed a standard course of polio immunization. Refer to CDC guidelines for vaccinating unimmunized or incompletely immunized persons. Pregnancy is a relative contraindication to vaccination; however, if protection is needed, either IPV or OPV may be used, depending on preference and time available. Typhoid: Vaccination should be considered for persons staying longer than 3 weeks, adventurous eaters, and those who will venture off the usual tourist routes into small cities, villages and rural areas. Importance of vaccination increases as access to reasonable medical care becomes limited. Contraindications depend on vaccine type. Note: All routine vaccines (such as DTP or Td, Hib, MMR, polio, varicella, influenza and pneumococcal) should be kept up-to-date as a matter of good health practice unrelated to travel.

Disease risk summary

Health conditions and sanitation in Moscow and other large cities, formerly on par with U.S. and European standards, have deteriorated in recent years. Conditions in smaller cities and villages are below the standards of industrialized countries. Insect-borne illness: Encephalitis (Japanese type) - occurs in southeast (human cases reported in recent past for first time in 30 years) Encephalitis (tick-borne) - occurs in southern Siberia and forested areas bordering southeastern Europe Hemorrhagic fever - occurs in southern Siberia Leishmaniasis (cutaneous) - occurs in southern areas Lyme disease - occurs Typhus (tick-borne) - occurs in eastern and central Siberia Food-borne and water-borne illness: Cholera - occurs Diphyllobothriasis (fish tapeworm) may be a problem in the Baltic Sea area Giardiasis - occurs in western areas Other hazards: Diseases such as measles and diphtheria are commonly reported, and cases of polio still occur regularly. According to the CDC, a decrease in immunization practices since the late 1980s has led to significantly higher rates of several diseases, including diphtheria. While proof of diphtheria immunity is not required for international travel, the CDC recommends that travelers to areas where diphtheria is occurring should be immunized. Influenza risk extends from November to April. Rabies - occurs (especially among foxes in rural areas)

Entry requirements

AIDS: According to the Department of State and the Russian Consulate General in New York, a certificate showing an HIV negative status is required for any person applying for a visa for a stay of more than 3 months. The certificate must contain the applicant's passport data, proposed length of stay in Russia, blood test results for HIV infection, including date of the test, signature of the doctor conducting the test, medical examination results, diagnostic series, and seal of the hospital or medical organization. The certificate must be in both Russian and English and valid for 3 months from the date of medical examination and blood test. Foreign test results are accepted under certain conditions. Contact Russia's embassy for details. Diphtheria: A number of travelers to Russia have recently been informed that diphtheria vaccination is necessary for entering Moscow. Per Mr. Goryachev in the Russia Consulate in New York, an up-to-date diphtheria vaccination is recommended, although not required. Mr. Goryachev also provided the following toll-free number (from the U.S.) for an automated fax service regarding current visa requirements: (800) 634-4296. Callers must use a touch-tone phone to type in their own fax machine number.

Recent disease outbreaks

No recent disease outbreaks

Over recent years, the Kremlin has secured greater control over Russia's media. Press: The main dailies in the Russian Federation are Izvestiya (website: www.izvestia.ru) and Komsomolskaya Pravda (website: www.kp.ru), both published in Moscow. Newspapers and magazines are published in some 25 languages. Multilingual editions of the Moscow News (website: www.english.mn.ru) are available weekly. The Moscow Times (website: www.themoscowtimes.com) and St Petersburg Times are published in English. There is also a daily Internet newspaper, Russia Today (website: www.russiatoday.com). TV: Russia TV Channel is state-owned. NTV is a national netowork owned by the gas company, Gazprom. Center TV is a commerical network and Russia Today is an international English news channel. Other networks include Channel One and Ren TV. Radio: Radio Russia and Radio Mayak are state-run networks. Russkoye Radio and Moscow Echo are privately run. Voice of Russia operates programs in English and other languages.

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Single tickets will disappear in Moscow subway

Since February 2013, in Moscow the new structure of tickets for public transport will be introduced. So, from June, 1 they stop selling tickets for one or two trips in subway, only the tickets for 5 or more trips will remain. Instead of single tickets for those who use the subway occasionally, a ticket valid for 90 minutes and at a price of 50 rubles is introduced. It is valid for one trip in subway and unlimited travel on surface transport during the specified period. Another card of similar type, which the authorities expect to be in demand among the guests of Moscow, will be valid for to the duration of the 24 hours, but it will cost 200 rubles.

Also the unlimited tickets will appear valid for 30 days and at the price of 2,200 rubles, which is about 200 rubles cheaper than existing analogue today.

Another option will be the cards called “electronic cash-box”. One can put any sum on this card to pay the fare. According to officials, the public transportation in Moscow can be paid with any credit card, including train and express train tickets.

“The most modern media, already implemented in many European and American cities, is a prototype of the entire ticket for all modes of transport, in the future for the railways and the express trains also. It can be used to pay parking and other transportation services in Moscow”, – notes the deputy mayor of Moscow Transport Maxim Liksutov. For each trip on subway or bus, the card will be charged for 28 rubles.

As the officials note, there are two main reasons for the cancellation of single- or double-trip tickets. The first is their relatively expensive production. The experts note that the cost of production of the chip tickets for one or two trips do not pay off their price for the consumers. Another reason is the long queues in the subway ticket offices. According the officials, most of the passengers making a queue in the subway buy such “short” tickets.

By the way, another measure to combat the queues in the subway will be the introduction of additional ticket machines in subway stations.

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Insurance and trains - Moscow Forum

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Insurance and trains

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This post has been removed at the author's request.

// Should train tickets be booked far in advance to save money or are they the same price just before?

https://www.tripadvisor.com/Travel-g298484-c179997/Moscow:Russia:Russian.Trains.And.Ticketing.html

"The earliest tickets go on sale is 45 or 60 days before the departure date depending on the train " - so "far in advance" is impossible, only two months before departure. But as a rule, the fewer unsold seats are available on the train, the more expensive they are.

> Do you actually need medical insurance?

Depends on who "you" are.

> As of 2016 Brits are not covered.

Have no idea what you are talking about.

> Will customs ask to see a policy?

You might be required to provide proof of trip health insurance with your visa app - IDK. But after that - you are done.

This topic has been closed to new posts due to inactivity.

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