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Home » Travel insurance » UK Travel Insurance

Why do you need UK travel insurance?

Even when you’re taking a break in your own country, many of the holiday risks are the same. Things can sometimes go wrong on holiday in the UK, just as they do abroad, and you could face unexpected costs. A UK travel insurance policy means you can travel with confidence in the UK. 

Most importantly, you’ll be covered if you have to cancel or cut short your holiday due to a medical emergency, as long as you’ve got pre-booked accommodation.

With an AllClear policy, you’re also covered if you need to cancel your holiday because you have contracted Covid-19 or need to quarantine.  In fact, 40% of customers surveyed said travel insurance is more important to them since the pandemic.

When you’re actually on your holiday, any medical treatment you need in the UK (England, Wales, Scotland and Northern Ireland) will be covered by the NHS. 

So, the key things to look out for in a staycation policy are:

  • Cover for trip cancellation if you, or a member of your travelling party, catch Covid-19 before travelling.
  • Curtailment, for example, if you catch Covid-19 and need to come home early or isolate.
  • Cover for personal possessions.

UK holidays are allowed again from 12th April 2021 – now more than ever is the perfect time to holiday destinations within the UK. 

Travel insurance for the Isle of Man & Channel Islands

While travelling in the UK you’ll be eligible for NHS treatment for medical emergencies. Reciprocal Healthcare Agreements are in place between the UK and the Channel Islands (except for Guernsey) and Isle of Man.

This means that if you need emergency medical treatment while you’re on holiday in these destinations, you will receive similar treatment to that provided by the NHS.  You can, however, submit a claim on your AllClear policy for emergency medical expenses that are not covered under the reciprocal arrangements.

As there is no Reciprocal Healthcare Agreement between the UK and Guernsey, if you’re travelling to Guernsey, we’ll cover your emergency medical expenses up to £15 Million.

What if Government travel restrictions for the UK change again after the 12th April?

No travel insurance policies are currently offering cancellation cover as a result of changes to government advice due to Covid-19. 

Therefore, we would strongly recommend that holidaymakers book their staycation with a provider that offers flexible cancellation terms and conditions, such as free cancellation up until 24 hours before arrival, or a guarantee that the holiday can be moved at no extra cost if the trip can’t go ahead due to Government restrictions.

AllClear policies to suit your needs

AllClear offers travel insurance in the UK for singles, couples, families and groups. 

  • No upper age limit on AllClear branded policies
  • UK’s No. 1 for Travel Insurance
  • Recommended by Good Housekeeping Magazine
Main Benefits
  • Cancellation and Curtailment covered up to £25,000, including for Covid-19
  • Up to £15 million emergency medical expenses cover, including for Covid-19
  • Up to 30 days FREE extended cover (if due to unexpected circumstances beyond your control)
  • Up to £2,000, if medically necessary, for a friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 (costs for room and to accompany you home)
  • Repatriation costs, when medically necessary, to bring you back to the UK where it is deemed to be in your best interests
  • Following recovery from Coronavirus, costs for a continued recuperation stay, when medically necessary and under doctors advice
  • Costs for your return flight following your enforced stay due to Coronavirus
  • Personal Belongings covered up to £3,000
  • All conditions. All ages.
Freephone to get your quote on: or
All these figures are per person, and per trip.

Will you be covered if you’re travelling during the COVID-19 pandemic?

There are three things to check so that you can make sure you're covered:

  • You must be fit to travel
  • The FCDO must NOT have advised against travel to your destination - check the FCDO travel advice
  • You must follow the local government advice for your destination, checking and following their guidelines and entry requirements

You can then be covered for emergency medical expenses and cancellation for a positive diagnosis of COVID-19, with AllClear travel insurance with enhanced Coronavirus cover. Existing policyholders should read our Frequently Asked Questions if your trip is affected by Covid-19.

Planning a UK Golf trip?

The UK is the ‘home of golf’ and hosts a list of world-famous courses. Consider a specialist policy that covers your clubs, celebratory hole-in-one drinks and course fees.

Should you declare your pre-existing medical conditions on your travel insurance?

When you’re on holiday in the UK, you’ll want to enjoy your trip, confident that you’re covered by your travel insurance if you have a medical emergency.

You can declare your medical condition through our online medical screening process. This is a simple set of questions for us to understand how your medical conditions affect you.

It’s important that you declare all pre-existing conditions on your policy. If you do not disclose any pre-existing medical conditions, this may affect the validity of your policy if you need to claim.

Can you buy UK only Travel Insurance?

Only travelling in the UK? You can choose a UK-only Annual Multi-trip Travel Insurance policy, which will cover your trips throughout the UK for the next year.

Does the GHIC card cover you in the UK?

You do not need a GHIC when travelling within the UK,  as it covers only local medical expenses in EU countries.

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage. Freephone to get your quote on: or

Why More Than 3 Million People Have Chosen AllClear

97% of customers rate us as ‘Excellent’ or ‘Great’ and you can compare prices online to find your perfect policy.

What Our Customers Say

 

 “A contented customer”

I have been with AllClear Travel for a few years now, having the peace of mind that they will provide insurance for me in spite of my chronic health problems means I have the confidence to travel like anyone else. My renewal this year was made so much easier by speaking with Callum, having someone who could clearly answer all of my questions and could bring a sense of humour to what is usually a dry process was very appreciated.

Jenni – Trustpilot

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What counts as pre-booked accommodation?

Any accommodation where you will be charged a fee to stay overnight, which has been booked in advance of your trip. So not just hotels, this extends to camping or static caravan sites, cottages, houseboats, Airbnbs etc…

This excludes any residential homes belonging to your friends or family.

What does AllClear mean by the UK?

For travel insurance, we define the UK as: England, Scotland, Wales, Northern Ireland, Channel Islands and Isle of Man.

UK Travel Insurance: People also asked

What if you want a 12 Month Annual multi-trip policy for the United Kingdom?

We now offer 12-month Annual Multi-Trip policies within the UK. If you have pre-existing medical conditions or are concerned about what the future may bring, we at AllClear are here to assist you with your individual circumstances and give you comprehensive cover over a 12-month period, offering you security and peace-of-mind to enjoy as many UK holidays as you like!

Talk to us in our UK-based call centre for a chat with our friendly staff now!

What if you don’t have pre-Booked accommodation for the UK?

You must have pre-booked accommodation for us to be able to give you the insurance you need for your UK holidays! We’d love to be able to insure you for visits to family and friends but you must have a hotel or some kind of pre-booked arrangement for us to be able to cover you.

When does the cover begin?

Full benefits begin on the travel dates you have selected. However, if you have chosen a cancellation cover to be included, this cover begins as soon as you buy your policy. For this reason, it’s important to buy your travel insurance as early as possible – or as soon as you have your trip booked. You can book a single trip policy up to 12 months in advance of your holiday.

What is the age limit on UK Travel Insurance policy?

We’re pleased to say our AllClear Gold and Gold Plus policies have no age limits. During your quote, you’ll only be shown quotes which can cover your age category.

Do you need a single trip travel insurance if you have a European Health Insurance Card (EHIC)?

If you have an EHIC (which used to be called the E111), you get medical treatment at the same price as the residents within EU countries you’re visiting. This often means either free or reduced costs. However, the EHIC does not cover you for all eventualities, and so you also need comprehensive travel insurance.  For example, if you’re taken to a private clinic in a private ambulance, you won’t be covered. The EHIC also doesn’t cover the cost of repatriation if you need to be flown back to the UK following an accident on holiday.

What’s the maximum trip length on a single trip travel insurance policy?

Allowed trip lengths vary between policies, however, the maximum you can get for a single trip quote online is for up to 92 days. Find out more about maximum trip durations here: How long you can travel for.

Is it best to buy a single or an annual multi-trip policy?

Whether buying a single or annual multi-trip policy is best for you, it depends on how often you intend to travel during the next 12 months.  If you are going on holiday multiple times throughout the year, an annual policy could work out better value for you.

With an annual multi-trip policy you can travel as many times as you like throughout the period of your insurance. There are, however, limits on the number of days you can be away for any one trip; which for some providers also depends upon your age.

What is your ‘Before you Buy’ checklist?

Are my personal possessions covered?
Check the baggage cover limits.
Will you be carrying a relatively large amount of foreign currency?
Check the personal property cover offered and specifically cover limits for cash.
Will you be taking part in winter sports?
If you are taking part in winter sports make sure you have paid the additional premium to ensure you are covered.
Are you covered if you need to cancel?
Check the cancellation cover is sufficient to cover the cost of your holiday. Remember you may also be required to pay an excess in the event of you having to cancel your trip and make a claim.

Author notes. By Lydia Crispin, AllClear Medical and Travel Content Creator. “It’s important to us that our customers have confidence when they travel.  For every holidaymakers peace of mind – we strive to continuously provide the latest-travel insights and industry updates so that each and every person can make well informed travel-related decisions”

Edited by Letitia Smith, MSc, Content Manager at AllClear.