admiral uk travel insurance

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Admiral Travel Insurance Review: Top Tiers Include Catastrophe Cover

• Can add £1,000 of Gadget cover
• Covering Personal Belongings/Baggage on all plans
• Trip Delay/Cancellation/Curtailment
• Long single trips
• Catastrophe cover for ash clouds, storms, etc. (Gold and Platinum Plans)
• Covering Insolvency of End Supplier

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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Admiral offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection (including Delayed Baggage on all plans). If you want cover for catastrophes (e.g., volcanic ash cloud and storms) then choose one of the top two tiers—Gold or Platinum. Policyholders also have the option to buy extras like Winter Sports, Gadget, Golf and Cruise (included on Platinum). End Supplier Failure is not covered on Admiral plans, however.

In This Review

• Admiral Travel Insurance Price Comparison
• Buying Admiral Direct or from a Comparison Site: What are the Differences?

Notable Features

• Policy Limits and Coverage Options
• Comparing Admiral to the Competition
• Policy Wording and Claims

Read our review to learn about features and prices of Admiral travel insurance—plus we'll explain the main differences between buying direct direct from the Admiral site versus buying through a travel insurance comparison engine , to help you decide where to buy. Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Admiral Travel Insurance Review: What You Need to Know

Admiral offers three levels of Annual and Single Trip travel insurance—Admiral, Admiral Gold and Admiral Platinum. All policies include some level of cover for Trip Cancellation , Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident and Personal Belongings. Mid-tier (Gold) and top-tier (Platinum) policies also include Catastrophe cover; top-tier plans include Hijack cover and Cruise cover as well. But there's no cover for financial failure of suppliers like airlines or hotel operators.

As for optional extras, Winter Sports can be added to all tiers of insurance for an additional cost. Gadget and Golf cover are optional add-on features available for the top two tiers for an additional cost —Admiral Gold and Admiral Platinum. You can't add these features to the lowest tier Admiral plan. Cruise cover is included as standard on Admiral Platinum policies, or available for an extra cost on the lower tiers.

Those going on a cruise can get optional cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

How to Buy Admiral travel insurance plans can be purchased either via a comparison engine or direct from Admiral . The basic limits are the same, regardless of where you buy your policy. Differences between buying direct and buying from a comparison site mostly relate to excess and price: generally speaking, plans from a comparison site typically cost less (around 20% less, in fact, for Annual, Multi-trip policies according to our pricing analysis) BUT they have a higher excess for the same cover levels. A higher excess means you contribute more towards any claims. Those buying direct are sometimes offered a 10% discount for buying online, so it's good to check the website to see what discounts are offered today.

Are Gadgets (e.g., Mobile Phones) Covered? Gadgets including mobile phones are covered to some extent on all plans through the Valuables section of cover. However, the standard Valuables limit may be too low for you—it's only £200, £300 or £400, depending on which plan you choose. If you travel with multiple gadgets or more expensive gadgets, you might want to consider adding Admiral's Optional Gadget Cover to an Admiral Gold or Admiral Platinum policy. (Optional Gadget Cover is not available as an add-on to the lowest tier of cover, Admiral plans.) You're able to add this to your policy whether you buy direct or from the comparison site.

What is the cost of adding gadget cover to Admiral travel insurance? We checked in November 2023 and were quoted £4.30 for £1,500 of additional cover for a single trip for the loss, theft or damage of gadgets. Prices may vary.

To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover .

Does Admiral Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Admiral policies, so long as you pre-booked at least 2 consecutive nights of commercially-operated accommodation more than 25 miles from your home.

Pre-Existing Conditions: Admiral may be able to offer cover for some pre-existing medical conditions , for which you'll pay a higher premium. Pre-existing conditions are only covered if they've been declared by you, Admiral has given written acceptance and you've paid an additional premium.

As part of the online quote process you can declare your conditions to see if cover can be offered, and for what added cost. Or you can call Admiral's Medical Screening number (0333 234 9913) to discuss your particular situation.

Over 65s: Now, the latest policy documents don't specify upper age limits. Previously, they said that the age limit for travellers on Admiral's Annual Multi-Trip policies was 75 years or under or 79 years or under for a Single Trip. Cover for Winter Sports was subject to an age limit of 65 years. Now they say 'the cover we can offer you will vary depending on our age limits, underwriting criteria, the cover you need and the details you provide.'

Covid Cover: You're covered for emergency medical treatment and repatriation if you contract Covid-19 abroad; for cancelling your trip if you are diagnosed with Covid-19 within the 14 days prior to your trip departure or the hospitalisation or death of a close relative within the 14 days prior to your trip departure, as a result of Covid-19 (Cover is subject to your policy being active at the time of the event and proof of a positive Covid-19 test.)

Admiral Price Comparison

According to our data research in February 2018, prices of Admiral Travel Insurance were noticeably lower than the average cost of travel insurance in the UK. In fact, even Admiral's top-tier Platinum policies come in below average, as you can see in the following chart of Annual, Multi-trip plans by geography.

According to data we gathered, prices of Annual, Multi-trip policies from comparison sites were around £5 to £10 cheaper than policies bought direct from Admiral, depending on geography and type of plan, representing a savings of approximately 20%.

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for general educational purposes only; your quotes may reflect a large degree of variation.

We also gathered quotes for Admiral plans for a family of four from the Admiral website—they'll pay on average 2X the cost of an individual policy (basically, kids go free). Below you can see how prices change across geographical locations like Europe and America and policy types for a family of four. Plans bought from a comparison site would be expected to cost less.

How much more expensive is travel insurance for a family of 4?

Cost of Add-On Extras

Winter Sports, Cruise, Gadget and Golf cover may be added for an extra cost to some of Admiral's travel insurance policies. We've gathered quotes across geographies and types of policies for a 30-year-old individual to give you an idea of the cost of travel insurance add-ons —these prices reflect policies bought directly from the Admiral website.

Buying Direct vs Using a Comparison Site

Generally speaking, you'll pay less for an Admiral travel insurance policy if you purchase it through a comparison engine ( try ours here ). Of course, there is a trade off. Policies—which are otherwise nearly identical—differ on a few points. First, the excess is higher on the comparison site policies. Second, the upper age limit is lower on policies via a comparison site.

Differences between Direct and Comparison Site Policies

You'll notice that the upper age limit for Winter Sports is the same regardless of where you buy (65 years), as is the maximum trip length on Annual, Multi-trip policies (31 days).

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Buying Admiral Direct from the Admiral Website

Those in their 70s or older may find more success buying direct, due to the higher upper age limits discussed above.

For an extra cost you can add golf cover to plans bought direct, if needed.

Here is a brief recap of some features available on Admiral travel insurance policies. Standard features like Medical and Personal Liability are also included on Admiral policies, limits for which can be found below in the Policy Limits section . For more complete details including inner limits and exclusions, please refer to the policy documents .

Types of Admiral Travel Insurance Policies

Admiral offers three tiers of travel insurance—Admiral, Admiral Gold and Admiral Platinum. All are available for Single Trips or as Annual, Multi-Trip policies. Admiral Single Trip travel insurance covers trips up to 365 days abroad. Admiral Annual Multi-Trip policies cover any number of trips a policy year, up to 31 days each. You may be able to extend the maximum trip duration for an extra charge, subject to the underwriter's approval. The following limits and plan details are consistent across policies purchased from the Admiral website and a comparison site.

Admiral Travel Insurance

The "Admiral" plan is their entry-level travel insurance offering. Emergency Medical expenses are covered up to £10 million and you get up to £1,000 of cover per insured person for Travel Delays, Trip Cancellation/Curtailment and Personal Belongings.

You can add Winter Sports or Cruise cover to Admiral's cheapest plans, but Golf and Gadget cover are not offered as add ons.

Admiral Gold Travel Insurance

As Admirals's mid-tier offering, Gold policies include higher limits and the addition of Catastrophe cover (e.g., volcanic ash, earthquake, storm, flood, tsunami, etc.). Cruise, Winter Sports, Golf and Gadget cover may be added for a cost.

Admiral Platinum Travel Insurance

Admiral Platinum is the top-tier travel insurance plan with the highest cover limits per person. If the Platinum premium fits in your budget, you'll get the highest coverage levels with this plan. In addition to features of the Gold plans, Cruise cover is included as standard on Platinum policies.

Cover Limits (Single & Annual Multi-Trip)

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Admiral Travel Insurance Compare to Competitors?

To better understand the value of Admiral travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Admiral Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. While prices are a bit higher than average, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard.

Bottom Line: If you really want cover for End Supplier Failure or Natural Disasters, or if you book trips with miles, then Direct Line might provide more comprehensive travel insurance for you.

Admiral Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers good value for money, with all plans including Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe. Those who ski or snowboard will get longer Winter Sports cover with AXA (over 30 days, depending on the plan).

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, or you spend more than 17 on Winter Sports trips per year, then AXA might be a more comprehensive travel insurance option for you.

Admiral Travel Insurance vs Sainsbury's Travel Insurance

Sainsbury's travel insurance offers solid travel cover at decent prices, especially when purchased through a comparison site. All plans include Baggage, Cancellation and Emergency Medical, but you also get Scheduled Airline Failure, Delayed Departure and Trip Abandonment. Extended Gadget cover can be added to all plans, to cover mobile phones, iPads, etc. Trip lengths are longer than average (notably up to 92 days on top-tier plans bought direct).

Bottom Line: Those needing cover for longer trips might find more suitable travel insurance from Sainsbury's Bank.

Other Useful Information: Policy Wording and Claims

Admiral's 24-hour Emergency Assistance Helpline can be reached on +44 (0)292 010 7777. Use this number if you have a medical emergency while you're abroad or you're injured, become ill or have to cut your trip short. If you need medical treatment, you're supposed to call this number before you seek medical treatment.

For other non-emergency claims on Admiral travel insurance, call their claims team on 0333 234 9914 between 8am and 8pm Monday to Friday, or between 9am and 4pm Saturday (closed Sundays and Bank Holidays).

• Admiral Travel Insurance Key Facts, Direct
• Admiral Travel Insurance Policy Book, Direct

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Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Admiral: Travel Insurance reviews

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About the Travel Insurance

Whether you’re jetting off abroad or travelling across the UK, it’s beneficial to have the security of a travel insurance policy. Here at Smart Money People, we collect Admiral travel insurance reviews from genuine customers so that you can shop with confidence. Admiral was first set up as a car insurance provider in 1993, but since then, has branched out to offer a variety of insurance products. Admiral strives for convenience and hassle-free insurance, developing an app to allow customers to manage their cover on the go. Smart Money People hosts reviews for a variety of Admiral’s travel insurance policies, like the Single Trip cover for those who only travel once a year, and the Annual Travel policy for more frequent travellers. Admiral also offers specialist cover for winter sports holidays and cruises, as well as a policy to cover your gadgets - great if you’re travelling for business with lots of expensive tech. Read our Admiral travel insurance reviews to see what customers have said about their experiences. Have you taken out a travel insurance policy with Admiral? Whatever your experience, leave a review with Smart Money People to help improve trust and transparency in financial services. Share how easy (or hard!) the sign-up process was. Have you been satisfied with the cover you received for the price of the policy? Did you deal with the customer service team at all? Leave an Admiral travel insurance review to help others find their perfect policy.

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Helping you make the most out of your money

Searching Money Mentor . . .

The best travel insurance providers.

Updated May 9, 2024

In this guide

If you’re looking to escape the UK winter, or if you’re saving your holiday for the height of summer, you may wish to consider travel insurance. We explain what travel insurance is and some of the best policies on the market for your holiday.

In 2022, UK residents made 71 million visits abroad. This was over three times the amount made in 2021, when COVID restrictions kept many people at home. 

So if you’re part of a growing number of people spending time abroad, have you considered travel insurance? By taking out one of these policies you could be protected for lost baggage, delayed flights, and medical emergencies abroad among other unforeseen events.  

In this article we explain:

• What is travel insurance

What does travel insurance cover?

The best travel insurance.

• Travel insurance and medical conditions

Read more: Passport renewal costs and waiting times

What is travel insurance?

Travel insurance covers the cost of unforeseen events and mishaps that either stop you from going on holiday or affect you while you’re away.

Depending on the policy, travel insurance might cover you for:

• Medical bills if you suffer illness or have an accident while you’re away
• Cancellation of your trip for reasons outside of your control
• Lost or stolen baggage

Policies are usually relatively inexpensive and can give you the peace of mind that your costs will be covered if something bad happens while you are on holiday.

According to the Association of British Insurers (ABI), a trade body, the average claim on travel insurance in 2022 was a little over £970. So while travel insurance won’t stop bad things from happening, but it can prevent you from having to find the money to pay for unexpected costs even after you return from your holiday.

Read more: Ten budget travel tips

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Many people opt to take out travel insurance to cover potential medical care while away.

Every week, 3,000 Brits need emergency medical treatment while abroad, according to the ABI. But travel insurance isn’t just about covering medical costs. It can protect you against a range of unplanned events:

• Cancellation or trip interruption for reasons outside your control
• Missed transport or delayed departure for reasons outside your control
• Personal injury and death, including medical evacuation
• Lost, stolen or damaged items, including baggage, passports and money – check if your home contents insurance covers you
• Accidental damage or injury caused by you

Does travel insurance cover cancelled flights?

Most travel insurers provide a basic level of cover for cancelled flights. Aviva’s travel insurance, for example, will pay out if your flight is cancelled due to an airport shutdown.

If your airline cancels your flight then you should claim a refund directly with them, so your travel insurance could cover other costs such as hotel bookings, vehicle rentals, and other possible excursions.

What are my rights during strike action?

If your flights are cancelled because air staff are striking, which they have over last summer, you might be entitled to compensation from the airline. But for this to apply, customers must have been given less than 14 days’ notice.

It also depends on whether the airline was at fault or not: so if it’s the airline’s staff who are striking, you should be entitled to compensation.

If you’re worried that your flights might be delayed or cancelled, you should also check your travel insurance policy.

Some policies cover you for a cancelled or delayed flight, provided you took out the policy before the strikes were announced.

But if you haven’t yet bought your insurance, you may be out of luck. This is because most insurers won’t cover you for strikes which were already known about.

Read how travel insurance could catch you out.

Below we’ve listed some of the best travel insurance providers on the market, all of which were nominated in Times Money Mentor awards 2023.

Times Money Mentor award winning cover

Best for over-50s

Post Office

Best for those with pre-existing medical conditions

Best for those wanting substantial medical cover  

Best for a range of unique add-ons

Looking for a new holiday destination?

Make sure to visit Times Travel for your holiday inspiration this year. From palm beaches in Fiji to the beautiful Italian coastline, Times Travel caters to all different tastes. Unlike other parts of the site, you also don’t need a subscription to enjoy their high-quality content.

Another notable provider

Despite not winning a nomination at the Times Money Mentor awards, this provider also offers a decent level of cover:

Switched On

The best travel insurance for cruises.

If you’re thinking about taking a cruise, it’s important to take out special additional cover such as a cruise insurance to protect you.

Cruise insurance is normally offered as an add-on to travel policies, and protects you if you:

• Miss connections to reach the departure
• Fail to get back on board after planned stops
• End up being confined to your cabin

Though if you want a dedicated travel insurance policy for a cruise, here’s an option to consider:

Just Travel Cover*

Best for cruise holidays

The best winter sports cover

If you’re planning a skiing and snowboarding trip then it’s important you have insurance that will cover you if you’re involved in an accident on the slopes.

Most travel insurers will offer winter sports cover as an optional add-on to their regular cover and will protect you if you:

• Need to be airlifted off the slopes or rescued and need medical treatment
• Turn up and there’s no snow
• Can’t start skiing and snowboarding because of avalanche risk
• Find out your equipment – such as skis, snowboard and boots – has been stolen

It’s difficult to predict what the next ski season will look like. But if you’re booking now and want cover for the essentials, here’s a policy to factor into your calculations.

InsureandGo*

Best for winter sports

What should a basic travel policy cover?

When shopping for travel insurance, you should ensure your policy comes with the following seven things as standard:

1. Medical expenses

This covers the costs of any emergency medical and surgical treatment while you’re away.

It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.

Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.

2. Repatriation

This is where you might need to be evacuated from the country you’re visiting.

Repatriation usually happens when you need to get back home to the UK in the event of a medical emergency and is usually covered as standard in most travel insurance policies.

3. Cancellation/curtailment

This covers any travel and accommodation costs you have paid for and can’t use or claim back.

You need a good reason to cancel your trip, so make sure you double check the terms and conditions of your policy.

4. Missed departure

This covers your extra accommodation costs and travel expenses should you miss your departure due to situations outside your control.

It usually includes your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.

This covers you for delays to your travel plans, such as severe weather conditions.

Delays known about before (such as strikes) won’t be covered.

6. Baggage cover

This should cover you if your baggage is lost, stolen, damaged or destroyed.

You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.

Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.

7. Personal liability cover

This should cover you if you are liable to pay damages due to:

• Accidental bodily injury to someone
• Or for loss or damage to someone else’s property
• Claims made by family members or employees won’t be covered

Choose a smooth private healthcare journey with Saga Insurance

• Easy access to a specialist

• Fast tests, scans and treatment

• Comfortable hospital stay

Get a Saga Health Insurance quote

For people over 50. Saga Health Insurance is a unique product designed by us specifically for our customers, and it’s only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high standards of quality and service. 

What extra cover can you buy?

To provide a peace of mind you might be able to add the following onto your policy too:

• Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy
• Gadget insurance – While you’re abroad you may wish to cover your laptop, phone, or tablet from theft or damage
• Golf equipment cover – Planning to tee off abroad? Then consider cover for moving your clubs overseas. This type of add on includes cover for your equipment if it is lost, stolen, or accidentally damaged

Read more: Is credit card travel insurance any good?

What is not covered by travel insurance?

Travel insurance won’t cover you for a risk that is known about.

For example, if you have a long-standing medical condition that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.

Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.

Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage then your policy won’t cover you if these items are damaged.

Each travel insurance policy will have specific things it won’t cover and this will vary depending on the provider. So it’s important to read the terms and conditions carefully.

What types of travel insurance can you buy?

There are two main options to choose from when taking out a travel insurance policy:

• Single trip — covers you for one trip of a specified length only
• Annual multi-trip — covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)

You need to make sure that either option of travel insurance covers you for where you are going, such as:

• Europe only
• Or the more expensive, worldwide policies (these either include or exclude the US)

But check first which exact countries providers include in their policies. For example, some policies include Turkey, Morocco, Tunisia and Egypt in their Europe insurance.

There is also specific travel insurance for backpackers, which offers extra cover for those who are likely to be away for an extended period of time or travelling to multiple destinations.

Also bear in mind that if you are doing any extreme sports like skiing or going on a cruise then you might need to buy an add-on.

When should I take out travel insurance?

It’s usually best to take out travel insurance as soon as you have booked your trip.

While many people think of travel insurance as something that covers problems while they are away, some policies cover you for issues, accidents and illnesses that stop you from being able to travel.

Cancellation is one of the main reasons that people claim on a travel insurance policy. If the cancellation happens before you have bought insurance then you wouldn’t be able to claim.

How much should I pay for travel insurance?

Your travel insurance premium will depend on a range of factors such as your age, health, type of policy, and destination. This is why an average travel insurance premium will likely be meaningless, so make sure to do your research and get a quote from several different providers before deciding on a policy.

Do I need travel insurance?

Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits such as cover for medical expenses.

We’ve already listed the benefits of having protection for unexpected medical costs above, and it remains pertinent if you’re travelling abroad and won’t have access to the NHS. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000 which was paid in full by their travel insurance provider.

Also consider that some visa applications require you to have a suitable travel insurance policy in place before you apply. If you’re applying for a Schengen visa to travel Europe you’ll need a policy in place which covers medical expenses up to €30,000 during your trip.

FAQs: Travel insurance and medical conditions

Many people solely take out travel insurance to protect themselves from medical expenses. According to the ABI, the average medical claim on travel cover is more than £1,300. Notoriously in the US, these figures run into the tens or hundreds of thousands of pounds.

So below we’ve answered some of the most common medical related questions on travel insurance:

Q. Does travel insurance cover pre-existing medical conditions?

Some insurers do provide cover for pre-existing conditions. However, it is vital that youflag these conditions during the application stage. If you don’t it could invalidate your policy.  

Q. Do you need to tell your travel insurance provider if you have a new medical condition?

If there is a significant change to your personal health then you’ll need to inform your travel insurance provider. This includes being diagnosed with a new long-term illness.

Failure to do so could invalidate your policy.

Q. Can you get travel insurance if you’re over 75 with medical conditions?

Yes. In fact, there are some providers on the market which tailor their policies towards an older demographic. For example, Saga has dedicated policies for over 50s and 70s.

* All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see  How we make our money  and  Editorial promise

Important information

Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

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Great process. All quick and professional

Had a amazing experience dealing with Debbie. She set multiple call backs for me to make sure I had plenty of time to organise myself. Explained everything perfectly. And left me feeling confident to set off in my car. If management is reading this. I would like to say that Debbie is a credit to your company. And a well deserved 5 star thanks to her brilliant customer service skills. (Hopefully my renewal experience will be just as nice lol)

Date of experience : 11 May 2024

Amazing customer service

Amazing customer service, especially by Sandhya, she has been amazing! helped me from the beginning till the end!!! Been going through some difficulty and not having the time to update my bank details, she smoothly went through it - made the impossible possible with no headaches. Honestly best customer service, I felt she really cared about what i've been going through and really wanted to help.

Date of experience : 14 May 2024

Great value home insurance renewal.

When sorting my car insurance I was given a quote on my pending home insurance renewal which was then with a different company. Within a few minutes I was offered a premium which was like for like in content but cheaper than my existing one. Great value for money and peace of mind achieved.

Date of experience : 25 October 2023

Spoke with a person NO AI!

The ability to “speak with” a human being and not a robot or AI is so beneficial. I was going to go with another company on my renewal purely on price having been with admiral for 6 years but then a really nice guy spent 50 minutes on the phone with me and listened to my needs. Yes, it was a bit more expensive but justifiably so. Highly recommend them

New van to add to my policy

I bought a new additional van and looked for a quote on the compare sites. Admiral came up in the top 10, so I went on the web site to see if I can add another vehicle. It was tedious at best, literally starting to do everything all again, got to the end, and it wouldn’t quite. I decided to ring, I got a guy who went through everything and sorted my policy out. The only niggle is I now have 2 vans and my home insurance to renew on the 24th December. Ultimately, fair price (we all know it’s shocking insurance increases) a great service and happy to help over the phone. I won’t bother trying to web sites next time though.

Date of experience : 10 May 2024

Amazing Service-not liability team though

I had an accident on the 5th of May 2024. The team supported me well. My only issue is the liability department whose outcome I am not happy with, however, everyone was amazing, they comforted me and guided me through the claim which was paid out within 2 days of claiming. Should I replace my car after the trauma settles I will still come back as my car was a write off.

Date of experience : 05 May 2024

Admiral car insurance

I tried to add another car to my multi policy insurance. But it wouldn’t let me. I then contacted Admiral directly. I had contact with two individuals during the course of 1day. Both were polite and helpful. My main bug bear was they were difficult to understand. This was mainly because there was so much background noise on the phone it made it very difficult to hear and understand them. It made me feel really stressed and irritated. My multi car/home insurance is due for renewal in a few months time….so as I can’t seem to sort anything out online and phoning is challenging, I might look elsewhere.

Date of experience : 07 August 2023

We phoned to get our daughter insurance…

We phoned to get our daughter insurance for her 1st car which withbthe fantastic help of the person we spoke to they gave us a fantastic deal enveloped in our multi car package. She was very informative and of great help. 👍

Your quotation was acceptable...

Whilst your quotation was acceptable, it was still a big increase on my previous annual insurance cost. You were however, the most reasonable of your competition's quotations. I was told the cost of insurance for hybrids and electric cars has increased substantially this year. I thought I was doing good for the environment getting an electric car but there is a big cost in road tax (£560) and insurance over £1000 now. Maybe these are the penalties of trying to improve climate change?

Date of experience : 13 May 2024

Their customer service is excellent-…

Their customer service is excellent- they were incredibly helpful in explaining everything I needed to know regarding a recent claim. They kept informed all of the way through the process. Easier than other companies I have used in the past.

Had some unusual complicated changes to…

Had some unusual complicated changes to policy that were dealt with one by one with by the assistant, she performed professionally and addressed / solutioned everything.. very pleased.

Date of experience : 12 May 2024

MultiCar policy that suits our family needs

MultiCar policy suits our family needs well, and Admiral staff helped us make changes to our policies that reflected our changing situation, and get best value for money.

Date of experience : 03 May 2024

Easy application

Easy application, took no more than fifteen minutes from calling to payment. Admiral colleague was obviously well versed and made available all the options to make a considered choice.

Helpful, patient & friendly

Helpful, patient, friendly advisor (saffron) who helped with all questions to enable me to make a decision on which product level was best for me

Admiral Insurance - easy online set-up

Sorting out car insurance with Admiral worked very well using online chat. Very pleased with how it went. No complaints.

Absolutely great experience

Absolutely great experience. Finding my car insurance through admiral was a quick and easy experience. There we're lots of affordable options which is great in todays day and age.

Happy customer

I find it easy to access my account which is not what I find with other firms great rates easy to use web sites what more could you want.

Date of experience : 15 April 2024

Site was easy to use

Site was easy to use, no issues whatsoever. Only reason I gave 4 and not 5 stars is that car insurance in general is daylight robbery nowadays.

Useless for claims

Absolutely useless when dealing with a vehicle claim. Do all they can to avoid helping or spending money. Do not care that customers are left without courtesy cars when their valuation process takes unacceptably long. All aspects of the process dragged out unnecessarily. Customer service members do not offer any solutions when you raise concerns. Do not expect updates on your claim unless you call directly. Customer services promise call backs with updates, but these do not happen. Poor correspondence between Admiral and sub-contracted repairers. The repairers are just as hard to get hold of as a clear answer from an advisor.

It wasn't the cheapest house and…

It wasn't the cheapest house and contents insurance but it was a recognisable brand. Far cheaper than a quote from our broker.

Date of experience : 30 April 2024

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

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• Defence and armed forces
• Military equipment, logistics and technology

New Golden Age of shipbuilding as new UK-built warships boost Navy building programme to up to 28 ships and submarines 

With up to 28 warships and submarines in the pipeline, backed by defence spending rising to 2.5% of GDP, Britain is seeing a new Golden Age of shipbuilding.

Image of a multiple ships sailing in formation

• Defence spending boost driving new Golden Age of shipbuilding
• Defence Secretary announces Royal Navy shipbuilding programme to rise to up to 28 ships and submarines to deliver a more secure future
• Up to six new amphibious warships for the Royal Marines to be built in the UK

With up to 28 warships and submarines in the pipeline, backed by defence spending rising to 2.5% of GDP, Britain is seeing a new Golden Age of shipbuilding, Defence Secretary Grant Shapps will say today [Tuesday].  

Speaking at the annual Sea Power Conference in central London, the Defence Secretary will announce that up to six new state-of-the-art warships will be built in the UK to strengthen Royal Marines special operations, as part of the Government’s plan to deliver a secure future for families across the United Kingdom. 

Backed by defence spending rising to 2.5% of GDP by the end of the decade, the announcement means that there are now up to 28 warships and submarines planned or in build to benefit the Royal Navy.  

Defence Secretary, Grant Shapps said:

With up to 28 ships and submarines being built or in the pipeline, this is a new Golden Age for British shipbuilding.   The new vessels for the Royal Marines will help our brave Commandos fight the conflicts of the future.  This is all possible because this government has committed to spending 2.5% of GDP on defence by the end of the decade, as part of our plans to deliver a more secure future for you and your family.

The Defence Secretary will also announce that HMS Albion and HMS Bulwark will not be scrapped or mothballed before their planned out of service dates of 2033-2034.

Today’s new ships are known as Multi Role Support Ships (MRSS) - specialist warships designed to rapidly deliver the famous Royal Marines Commando Force onto coastlines around the world to conduct special operations.   

It brings the total number of UK-built ships and submarines in the pipeline to benefit the Royal Navy to up to 28, with Type 26 and Type 31 in Scotland, Astute and Dreadnought submarines in Barrow-in-Furness, and Fleet Solid Support ships in Belfast and Devon.   

The First Sea Lord, Admiral Sir Ben Key, said:

I am delighted that the Secretary of State has cemented the future of our Royal Marines by committing to this new class of up to six amphibious vessels. These will be the most capable amphibious warships the nation has ever owned, designed to be fully interchangeable with our closest allies in Europe, and in NATO. I also pay tribute to the sterling service of the two Type 23 frigates that were announced for retirement today - collectively they have deployed worldwide, conducted dozens of live operations, and have far surpassed their expected service life. While always sad to pay off such fine warships, their decommissioning marks the next stage of our reinvestment in new, more modern frigates.

MRSS will be highly flexible warships, able to deploy on a wider variety of operations, and designed to carry vehicles, aircraft, insertion craft and a broad range of uncrewed systems for complicated missions. They will also be able to act as primary casualty receiving ships, providing urgent medical care to our forces wherever they are deployed.

The MOD has entered the first, or Concept, phase of the MRSS Programme and will work with industry as part of early market engagement ahead of developing the vessel design.

In line with the National Shipbuilding Strategy, there will be up to six MRSS built overall, which will replace current capabilities, including the two Landing Platform Docks, three Landing Ship Dock (Auxiliaries) and the Aviation Support Ship RFA Argus, in the early 2030s.     

Defence Equipment & Support CEO, Andy Start said:

With the MOD’s new Integrated Procurement Model in place and DE&S undergoing its biggest transformation in a decade we are aiming to be faster, more efficient, more innovative, more integrated and more productive when delivering new equipment such as the Multi-Role Support Ships for the Royal Marines. Our MRSS team has already begun engaging with the potential shipbuilding market to lay the groundwork for this versatile and essential future capability.

The Defence Secretary will also announce that HMS Argyll and HMS Westminster, that have a combined service of 63 years, will be retired. HMS Argyll has been sold to BAE Systems and will be used within the UK’s vibrant shipbuilding sector, supporting apprentice training in line with the Government’s agenda on skills and shipbuilding capacity.

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