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.

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 since 12th April 2021 – now more than ever is the perfect time to holiday 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.

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

Benefits of AllClear Cover

		Gold	Gold Plus	Platinum
	Emergency medical expenses and Repatriation costs	Up to £10m	Up to £15m	Up to £15m
	Cancellation* and Curtailment	Up to £2k	Up to £15k	Up to £25k
	Extended cover	30 days FREE	30 days FREE	30 days FREE
	Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19	Up to £2k	Up to £2k	Up to £2k
	Travel Delay	Up to £100	Up to £350	Up to £500
	Recuperation stay
	Cost of return flight due to COVID-19
	Personal Belongings	Up to £2k	Up to £2.5k	Up to £3k
	Personal liability	Up to £2m	Up to £2m	Up to £2m
	Legal protection cover	Up to £50k	Up to £50k	Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Planning a UK golf trip?

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

Going on a UK-only cruise (in UK waters only)?

Providing you have comprehensive AllClear branded Travel Insurance that includes cruise cover, then you’ll be covered if you have a medical emergency on board and need to be evacuated off ship. This includes medical emergencies resulting from any pre-existing medical conditions you have declared or COVID related illness.

However, you will not be covered for any medical consultations or prescriptions provided by the on-board doctor.

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 don’t disclose any pre-existing medical conditions, this may affect the validity of your policy if you need to claim.

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.

Simple 3 step quote process

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

Read AllClear Trustpilot Reviews<

Read AllClear Trustpilot Reviews

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: Frequently asked questions

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 before 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. You’ll only be shown quotes that can cover your age category during your quote.

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

The max duration covered per single trip taken within the UK is up to 31 days.

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

It depends on how often you intend to travel during the next 12 months. If you’re going on holiday multiple times throughout the year, an annual multi-trip 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 cover. 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.

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.

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