Travel Insurance
Ready to see the world? Take our travel insurance with you
Admiral Platinum Travel Insurance
What's travel insurance?
Travel insurance, also known as holiday insurance, protects you and your family against unexpected costs while you're abroad.
It covers the cost of things like:
- medical expenses if you get ill or injured
- if you have to cancel your trip
- stolen belongings or lost luggage
What does travel insurance cover?
Here are just some of the things our travel insurance covers.
Emergency medical expenses
We cover reasonable and necessary emergency medical treatment costs if you get ill or injured in an accident abroad.
Delayed or missed departure
Delayed or missed your transport because of something unexpected? We'll cover reasonable costs for extra accommodation and travel.
Lost or stolen personal belongings
You can claim up to your policy limits if your belongings are lost, stolen or damaged.
Cancelling or cutting your trip short
We'll cover costs for things like deposits or unused accommodation if you have to unexpectedly cancel or cut your trip short.
Legal assistance
We'll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
Like with any insurance, our policies only cover certain situations - and policy limits and exclusions apply. Always check your policy book!
What isn't covered by travel insurance?
Here are some things that your travel insurance doesn't cover:
- If your flight's cancelled or delayed because of something other than bad weather, strikes or a mechanical breakdown. But our Enhanced Trip Disruption cover covers you for more delay and cancellation reasons.
- Claims for missed, delayed or cancelled flights that don't start or end in the UK (connecting flights), unless you've bought Enhanced Trip Disruption cover.
- If you cancel your trip because you've changed your mind.
- Any pre-existing conditions you should have declared but didn't.
- Claims for costs caused by someone else's pre-existing medical condition. This means if their illness or death was caused by a condition they had before you bought your policy or booked your trip (whichever is later).
- Lost or stolen items that you left unattended.
- Claims where you can't give us evidence. For example, a police report or receipts.
- Being denied entry because you don't have the right visa or passport.
- Extreme sports, winter sports or cruise trips unless you've paid for the extra cover.
This isn't the full list and doesn't include exclusions for our specialist travel insurance. For example, winter sports or cruise cover.
For the full list of what isn't covered, check your policy book.
Choose from three levels of cover
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20,000 | £20,000 | £30,000 |
| Personal accident | £10,000 | £15,000 | £25,000 |
| Cancellation or cutting your trip short | £1,500 | £3,000 | £5,000 |
| Personal belongings | £1,000 | £2,000 | £3,000 |
| Catastrophe cover | £1,000 | £1,500 | |
| Money and documents | £300 | £400 | £500 |
| Excess | £100 | £75 | £50 |
Do I need travel insurance?
You don't legally have to have travel insurance. But think about what you'd do if something went really wrong on your holiday.
If you get ill or injured, medical care can be very expensive abroad. Not all countries have free medical care like the UK does!
And it's not just about medical costs. What if you lost your entire suitcase? Or if your trip got delayed and you had to book new transport or accommodation?
Travel insurance is there to give you a safety net.
What type of travel insurance do I need?
Planning the trip of a lifetime? Or are you hopping from one getaway to the next? Find out which option's right for you below.
Annual Travel Insurance
Cover for as many trips as you like within 12 months. Each trip can last up to 31 days.
Need cover for longer than 31 days? Choose how long you want to go away for when you get a quote, and we might be able to cover you if you're eligible.
Travel insurance add-ons and extras
Want to upgrade your cover, or planning a special trip? We've got you covered for that too.
Winter sports cover
If you're hitting the slopes, our winter sports cover has your back for things like piste closure, lost skiing equipment, accidents or medical emergencies.
Cruise insurance
Off to travel the high seas? Our cruise cover protects you for things like missed ports, cabin confinement, medical emergencies and unused activities if you're too ill.
Gadget cover
Taking any expensive tech away with you, like a camera or laptop? Our gadget cover has your back if they're lost, stolen or damaged.
Adventurous sports cover
We cover lots of adventurous sports as standard. But, if you really want to push the boat out, our adventurous sports cover is there for you!
Enhanced Trip Disruption cover
Flight delayed? Transport overbooked? Our cover is there to protect you for even more disruptions to your trip than your standard cover.
Excess waiver cover
With excess waiver cover, you pay a fee upfront when you buy your policy. That means if you need to make a claim, you won’t need to pay your excess.
Can I get travel insurance with a pre-existing medical condition?
Yes, you can get travel insurance with a pre-existing condition! You just need to tell us about it when you get a quote.
This is so we can offer the right cover and to avoid invalidating your policy.
We'll only cover you if you’ve:
- 1declared all the medical conditions we asked you about
- 2paid any extra costs in full
If you don't tell us about your pre-existing conditions:
- 1your policy might become invalid
- 2we could refuse all or part of any claim you make, even it's not related to your illness
Want to know more?
Head to our medical conditions page for more information.
MoneyHelper directory
If we can't cover your medical condition, you can use the MoneyHelper directory to find a specialist insurer who might be able to cover you if you've been:
- refused travel insurance or had your policy cancelled
- offered cover with a medical exclusion that you can't remove from your policy
- quoted a price for a travel insurance policy with high medical costs
Find the MoneyHelper directory online or call them on 0800 138 7777 (phone lines are open Monday to Friday 8:00am - 6:00pm, excluding bank holidays).
Visit the MoneyHelper DirectoryHow to get cheaper travel insurance
There are a few things you can do to lower the cost of your travel insurance.
Choose the right policy type |
If you're planning multiple trips in the next year, an annual travel insurance policy is usually cheaper than buying a single trip policy each time. |
|
|---|---|---|
Pick the right level of cover |
Our Admiral level of cover is our most affordable package - just make sure that it covers everything you need! |
|
Check your home insurance |
Protecting your belongings abroad is important, but lots of home or contents policies cover your things away from home. |
|
Combine your policy |
It might be cheaper to buy group travel insurance if you're travelling with your family or your partner. |
What the experts say
Daniel O'Leary, Senior Travel Product Manager
Travel insurance isn't one-size-fits-all! When you're getting a quote, think carefully about where you're going, what you're going to get up to and any pre-existing medical conditions. It's important we know these details, so we can make sure you have the right cover.
How we work out the cost of your travel insurance
There are lots of factors we use to work out how much your travel insurance is going to cost. We're always checking our prices to make sure you get the best one possible.
How to get a travel insurance quote
We need to know a few things so we can give you the right quote.
About your trip
- Whether you want cover for one trip, or multiple
- Where you’re travelling to
- How long you're going for
- Who you're travelling with
About you
- Name
- Date of birth
- Address
- Contact information
- Medical conditions that you or other travellers on the policy have
How to make a claim on your travel insurance
We might ask for original receipts, invoices or medical records to support your claim.
Read your policy book
Check if we cover what you want to claim for
Prepare your information
You'll probably need some photos and documents to support your claim
Contact us
Visit our make a claim page for our contact details or log in to MyAccount
Read more about our customers' experiences
We care what our customers have to say about us.
Still got questions?
Don't worry - we've got you covered!
Do I need travel insurance if I have a Global Health Insurance Card (GHIC)?
A GHIC or the old European Health Insurance Card (EHIC) can help you get cheaper medical treatment while you're abroad in some European countries.
But it doesn't replace travel insurance, and it won't cover you fully for all medical treatment.
It also won't cover you for things like:
- being brought back to the UK if a doctor recommends it
- delays or cancellations
- lost luggage
That's why it's still worth having travel insurance!
Read our handy guide on the EHIC/GHIC.
Do I need travel insurance for holidays in the UK?
Yes, it can still be useful!
Although you might not need cover for medical costs, thanks to the NHS, it's still useful to have cover for:
- delays and cancellations
- lost, stolen or damaged luggage
Read our in-depth guide on travel insurance for the UK.
What does excess mean?
Excess is the amount of money you pay if you need to make a claim. It's different depending on what level of cover you have. It's also paid per person, per section of your policy, and per claim.
Say you have a policy for you and your partner and need to make a claim for delays that comes to £1,200.
You bought an Admiral Gold policy direct through our website, so your excess is £75 per person. That means we'd pay you £1,050 in total. That's because we've deducted £150 to cover you and your partner's excess.
You can also choose excess waiver cover. This means you pay a fee upfront when you buy your policy, so you don't need to pay excess if you make a claim.
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See our other travel insurance options
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Travel insurance that suits you
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.
Travel Insurance upgrades
Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.