5 Star rated cover
5 Star rated cover
Our Platinum cover has Defaqto's highest rating.
What's travel insurance?
Travel insurance protects you and your family against unexpected costs while you're travelling or on holiday.
While it isn't a legal requirement, it covers the cost of things like medical expenses if you get ill or injured abroad, trip cancellation, stolen personal belongings and more.
What's covered
Here are just some of the things our travel insurance covers. As with any insurance, there are some policy limits and exclusions to be aware of, so always check your policy book.
Emergency medical expenses
We cover reasonable and necessary emergency medical treatment costs if you get ill or injured abroad.
Delayed or missed departure
If you're delayed or miss your transport due to unforeseen circumstances, we'll cover reasonable costs for accommodation and travel.
Lost or stolen personal belongings
If your belongings are lost, stolen or damaged accidentally (or deliberately by someone else), you can claim up to your policy limits.
Cancelling or cutting your trip short
We'll cover costs up to your policy limit for things like deposits or parking fees if you have to unexpectedly cancel or cut your trip short.
Personal liability and legal assistance
We'll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
What isn't covered by travel insurance?
This list isn't exhaustive and doesn't include exclusions for our specialist travel insurance like adventurous sport and winter sport.
- flights cancelled or delayed for any reason other than severe weather conditions, strikes, or mechanical breakdown
- claims related to flights that don't start or end in the UK (connected flights)
- trip cancellation because you've changed your mind
- pre-existing medical conditions you've not declared
- claims related to the death or illness of someone not on the policy linked to pre-existing conditions they had at any time before you bought your policy
- lost or stolen items that you've left unattended
- claims where you can't give us evidence, for example, a police report or receipts
- being denied entry because your passport is out of date or you don't have the correct visa
- extreme sports, winter sports or cruise trips unless you've paid for the additional cover
- circumstances that aren't specified in your policy
Check your policy book for all exclusions.
Choose from three levels of cover
We have three cover levels for you to choose from, depending on the level of protection you want for your next trip.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Cancellation or cutting your trip short | £1.5K | £3K | £5K |
| Personal belongings | £1K | £2K | £3K |
| Money and documents | £300 | £400 | £500 |
| Personal accident | £10K | £15K | £25K |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20K | £20K | £30K |
| Catastrophe cover | £1K | £1.5K | |
| Excess | £100 | £75 | £50 |
Why do I need Travel Insurance?
Choosing a travel insurance policy that suits your needs gives you a safety net if you have an emergency while on holiday.
Getting ill abroad can be especially expensive as most countries don't have free medical care in the same way the UK does.
For example, in the US, you're charged for an ambulance call out, meaning a trip to the hospital could cost tens of thousands of pounds.
If you're travelling to an EU country or Switzerland, a GHIC card can reduce the cost of medical expenses or make them free of charge, but it won’t fully cover you for medical treatment.
Read more about getting a GHIC card here.
What type of travel insurance is best for me?
Whether you're flying solo or travelling with your friends and family, we cover the UK, Europe and worldwide.
Single Trip Insurance
Cover for one trip lasting up to 365 days for travellers aged 18 up to 100 years, depending on where you're heading.
Annual Travel Insurance
Cover for 12 months on an unlimited number of trips lasting up to 31 days each. For travellers aged 18 up to 90, depending on the region of cover.
If you need cover for trips longer than 31 days, you can choose the trip length you want when you take out your quote and we might be able to cover you – depending on your eligibility.
Travelling with pre-existing medical conditions
A pre-existing condition is any short or long-term illness, injury or medical condition that you've had at any time before buying travel insurance.
This includes conditions that may have been treated with one-off or repeat prescriptions or, which have now been resolved.
A pre-existing condition will:
- have been identified by a medical professional before taking out a policy or
- be symptoms that are being investigated by a medical professional (e.g. you're waiting for tests, scans) or
- be a diagnosed condition you're waiting to be treated for by a medical professional (e.g. surgery)
You can declare your pre-existing conditions when you get a quote to see if we can cover them.
It's really important that you tell us about any pre-existing conditions and give us the right information.
If you don't, we could cancel your policy or not pay for any claim you make, even if it's not related to the condition.
If you're not sure what needs to be declared, visit our medical conditions page to find out more.
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
MoneyHelper makes it easier to find and compare policies you can afford that cover your condition and medical needs. Access the MoneyHelper directory online or call MoneyHelper 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 your travel insurance costs:
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 for each trip. |
|
|---|---|---|
Check your home insurance |
Protecting your personal belongings abroad is important, but many 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 heading off with your family or a partner! |
How to claim on your travel insurance
Need to make a claim? Follow these steps for a stress-free claims process.
Read your policy book
Check that we cover what you want to claim for
Prepare your information
Get any receipts, invoices or medical records ready
Contact us
Visit our make a claim page for our contact details or log into MyAccount
Your questions answered
What if my medical conditions change after I've bought my policy?
If your medical condition changes after you've brought a policy with us, but before you've gone on holiday, you need to let us know as soon as possible.
We can make sure your policy is up-to-date and you still have the right cover. There may be an extra cost to make sure your condition is covered.
Is there an upper age limit?
The maximum age limit for our policies is up to 90 years old for annual multi-trip policies, and up to 100 years old for single trip policies.
The age limit and level of cover we offer depends on your information and holiday details.
What is excess?
Excess is the amount of money you pay to your insurance provider if you need to make a claim on your travel insurance.
This applies to each insured person for each type of claim you make.
Read our guide on excess waiver travel insurance for more information.
I have a GHIC or a EHIC card, do I still need travel insurance?
Likely, yes.
While the GHIC and EHIC are useful for getting reduced or free medical care, they aren't a stand-in for travel insurance.
They might not cover all the medical costs you need, including repatriation.
Plus, you might still need cover for other things, like lost luggage or delayed flights.
Still have questions?
We've answered a bunch of your frequently asked questions.
TRAVEL INSURANCE FAQSUseful guides
Need more? We’ve got you covered.
Terms and Conditions
- Admiral is a trading name of EUI Limited (Company Number 02686904) whose registered office is at Ty Admiral, David Street, Cardiff CF10 2EH (“the Promoter”).
- This promotion (the “Promotion”) is available by e-mail invitation to previous Admiral Travel Insurance customers living in the UK (“Previous Customer”) only.
- The Promotion comprises of Previous Customers being eligible to receive a 15% discount for Admiral Travel Insurance when purchasing a new Admiral Annual Multi-Trip Travel Insurance policy (the “Discount”).
- To apply the Discount, Previous Customers must click on the link contained in the promotional e-mail and purchase an Admiral Annual Multi-Trip Travel Insurance policy via that link. The Discount shall automatically apply to the purchase of the policy.
- The Discount will remain available to Previous Customers until after which it shall automatically expire.
- This promotion cannot be combined with any other promotion.
- The Promoter reserves the right to withdraw, modify or terminate this promotion in whole or in part in the event that it is necessary to do so.
- The terms and conditions of this promotion do not alter or vary the terms and conditions of any other Admiral Travel Insurance policy which may be purchased.
- Applications for insurance policies provided by the Promoter are subject to its normal terms and conditions including its underwriting criteria. The Promoter reserves the right to decline any application for any insurance policy at its absolute discretion and is not obliged to disclose any reason for rejection. In these cases the Previous Customer will not be eligible to receive the Discount.
- Any fraudulent activity or abuse relating to the receipt and use of the Discount may result in the forfeiture of the Discount and termination of the insurance policy.
- These terms and conditions are to be governed by English law and are subject to the exclusive jurisdiction of the English and Welsh courts.
How we calculate your travel insurance premium
We use multiple factors to calculate travel insurance prices. We constantly check the prices we charge to offer you the best travel insurance premium, but prices also fluctuate depending on the market. Here are a few factors:
- Where you’re going — where you’re going heavily influences how much you’ll pay for travel insurance. The destination tells us how expensive medical treatment is and how much it’d cost to fly you home in an emergency.
- How long you’re going for — simply put, the longer you’re away from home, the higher the risk of you having an accident or losing your things.
- Who you’re travelling with — the age and medical history of everyone travelling impacts your premium price.
- Any medical conditions — depending on the severity of the condition (and, therefore, the potential cost and likelihood of treatment), your premium is likely to be higher.
- The cost of medical treatments — on average, the cost of medical treatment is higher outside of Europe. Plus UK citizens can use a GHIC card in the EU to access treatment and, in some cases, reduce the cost.
- What you’ll do on your trip — you increase your risk of injury on winter sports trips, meaning it’ll cost more to insure. But, without specialist cover, any related claims will be rejected.
- What’s going on in the world — currency fluctuations can make it more expensive for us to settle claims with companies or services based abroad. Increased risk of terrorism, airline strikes or natural disasters will also impact your premium.
- Insurance Premium Tax (IPT) — by law, we add a 20% tax to your travel insurance premium. Read more about why we do this.
How to get a travel insurance quote
We need to know a few things to get your quote
What type of travel insurance you need
Do you have one trip planned or multiple trips for the year?
About your trip
- Your destination or region
- How long you're going for
- Who you're travelling with
Traveller details
- Name
- Date of Birth
- Address
- Contact information
Any medical conditions
Let us know if you have any medical conditions we need to know about.
View 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.