Travel Insurance

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5 Star rated cover

Our Platinum cover has Defaqto's highest rating.

What's travel insurance?

Travel insurance, also known as holiday 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 lost luggage.

What's covered

Here are some key features of our travel insurance. As with any insurance, policy limits and exclusions apply, so always read your policy book.

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

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

You can claim up to your policy limits if your personal belongings or luggage are lost, stolen or accidentally damaged during your trip.

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 short your trip.

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.

Specific COVID-19 related events

Read about how COVID-19 affects your travel insurance on our dedicated FAQ page.

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, strike, 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 conditions you've not declared
  • claims related to 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 you've 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 passports or the correct visas
  • extreme sports, winter sports or cruise trips unless you've paid for the additional cover
  • circumstances that aren’t specified in your policy

However, 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.

Good to know

The table below shows the standard benefits and “up to” limits of each tier. Individual benefits may have different internal limits depending on what you need to claim for.

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 £2.5K
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 offers financial protection against travel-related emergencies. In particular, getting ill abroad can be very expensive as most countries don't provide free medical care in the same way as in the UK.

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 or repatriation. Read more about 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 the destination.

Annual Travel Insurance

Cover for 12 months on an unlimited number of trips lasting up to 31 days each. This is for travellers aged 18 up to 90, depending on region of cover

If you need cover for trips longer than 31 days, you can select the required trip length when completing your quote (subject to eligibility).

Travelling with pre-existing medical conditions

If you have a pre-existing medical condition, you must tell us about it when getting a quote to see if we can offer cover and to avoid invalidating your policy. We can't cover your pre-existing conditions unless you've:

  • declared them all on your policy
  • had written confirmation that we'll cover your medical condition
  • paid any additional premium in full
  • If you don't tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

If you're unsure what to declare or unable to find your condition on the medical conditions list, please call 0333 234 9913.

Please note, if you've tested positive for COVID-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this must be declared on your policy.

Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).

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 Directory

How 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 travelling with your family or your partner.

How to claim on your travel insurance

We may ask for original receipts, invoices or medical records to support your claim.

Read your policy book

Check that we cover the event you want to claim for

Prepare your information

You'll need documents to support your claim

Contact us

Visit our make a claim page for our contact details or log into MyAccount

Your questions answered

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What's covered?

Is my destination safe to travel to?

You can check the latest government travel advice filtered by country on the Foreign, Commonwealth and Development Office (FCDO) website.

We always recommend following current FCDO advice before travelling or booking a trip. If you travel to a destination against current FCDO advice, you might not be covered by your travel insurance.

What policy documents do I need to take with me on my trip?

You can access all your policy documents online on the travel portal, as long as you have good internet on your travels!

But we'd recommend making a note of some key bits of information, in case you can’t connect to the portal, including:

  • your policy number
  • any important numbers to contact, for instance our 24-hour medical emergency helpline (+44 (0)292 010 7777)

You could also download all your documents so you have them ready, just in case. These can be found in the travel portal.

I have a joint yearly holiday insurance as part of a group, but I'm about to travel alone. Will the insurance cover me?

If you have a group policy, you'll still be covered to travel independently, as long as you're 18 years old or over.

What do you count as a catastrophe?

You'll only be covered for a catastrophe if you have a Gold or Platinum travel insurance policy with us. It'll protect you against:

  • fire
  • storms
  • lightning
  • avalanches
  • landslides
  • explosions
  • hurricanes
  • earthquakes
  • volcanic activity (including ash clouds)
  • flooding
  • tidal waves
  • tsunamis
  • medical epidemics or pandemics
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Buying a new policy

Is travel insurance a legal requirement?

No, travel insurance isn't a legal requirement.

Consider having travel insurance in place to cover you for potential medical expenses, trip cancellations and other unexpected events. Getting travel insurance - Citizens Advice

Will you auto renew my policy?

If you have an Annual Multi-Trip policy and it's on automatic renewal, we'll get in touch with you about your renewal 21 to 28 days before the expiry date of your current policy.

If we already have your card details saved on file and we can offer you a renewal, we'll take payment seven days before the renewal date.

This is in case there are any issues with the payment, or you're travelling at the time of your renewal.

If you're on a non-automatic renewal, you'll need to contact us to renew your policy.

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Updating or renewing your existing policy

Can I cancel my travel insurance using the portal?

Yes, you can cancel your policy using the travel portal. If you are within your 14-day cooling off period then you may be eligible for a full refund.

Can I extend my expired travel insurance?

We understand you may be forced to stay on after the date you were due to come home, because of reasons out of your control. That could be because of illness or flight cancellations.

If that's the case, your policy will automatically be extended to cover you until you can get home, even if it's expired. You don't need to pay anything extra.

We won't extend it for any other reason - for instance, you just wanted to stay on longer!

If you want to stay longer than your original return date for another reason but your policy hasn't expired just yet, get in contact with us to discuss.

For expired policies, you will need to seek alternative insurance for trips that have already started.

Can I change the start date of my renewal?

We can't change the start date of your Annual Multi-Trip renewal, as your cover needs to be continuous.

When the first year of cover ends, the renewal will start cover for the next year straight away. This makes sure you have continuous cover while you're on holiday.

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Medical-related questions

How far back do I need to disclose medical conditions?

Timescales will change for different types of conditions. When you're getting a quote, our questions will let you know exactly what we need to know and how far back this needs to be.

For instance, with some conditions we may only need to know if you've had it in the past two years. With some, we need to know if you've ever had it.

Answer the questions as accurately as you can - but if you're unsure of what to declare, get in touch us. If you're not sure what's on your medical records, contact your GP to confirm.

For some more detailed information, check out our dedicated page on travel insurance and medical conditions.

Do I have to declare weight loss injections like Mounjaro (Tirzepatide) and Wegovy (Semaglutide) as a medical condition?

Yes, you do. This is because these medications:

  • are prescription-only
  • need a consultation with a medical professional
  • need ongoing monitoring once you've started taking them

The declaration would be based on the condition you're prescribed them for - for instance, if you have diabetes then you would declare diabetes.

But if the injections are prescribed as a weight loss medication, you'd need to declare obesity. That's because these are only prescribed when your BMI shows you're in the obese category.

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Pregnancy-related questions

Do you class pregnancy as a medical condition?

Pregnancy is not a medical condition, so you don't need to declare it. However, if there are pregnancy-related medical conditions or complications which continue to exist after your pregnancy, they should be declared.

For example, if you're diagnosed with gestational diabetes during pregnancy, you don't need to declare it. But if this continues as diabetes after your pregnancy has ended, it will need to be declared.

If you have any questions about what you need to declare, get in touch with us.

Though complications of pregnancy may not always need to be declared, you must be medically fit to travel before purchasing a policy, booking a trip or starting your trip to be covered. You'll need to provide evidence of being medically fit to travel in the event of a claim.

Can I fly if I am more than 32 weeks pregnant?

If you're more than 32 weeks pregnant, the decision to fly is up to you and your doctor.

If it's safe for you to do so and your doctor says it's okay, then you can fly. You'll need to provide evidence of this in the event of a claim.

Should I ask my doctor before flying if I'm more than 32 weeks pregnant?

We strongly advise you get medical permission to fly in the later stages of pregnancy. This is because you'll need to send us this if you need to make a claim.

What am I covered for when pregnant?

With us, you're covered for emergency medical treatment costs and repatriation up to 40 weeks as standard.

We'll only cover for complications of pregnancy and childbirth outside the UK. Check out what we count as complications in the 'Definitions' section of our policy wording.

This means you aren't covered for routine medical care such as:

  • check-ups
  • pre-natal care
  • normal childbirth
  • post-natal care

We only cover premature birth if it happens more than eight weeks (or 16 weeks if you have twins, triplets or other multiple pregnancies) before the due date.

We also don't cover you for cancelling your trip if the transport provider stops you from boarding because you're pregnant.

I've recently found out I'm pregnant and want to cancel my trip. Am I covered?

We don't cover you for cancelling your trip for any reason connected with pregnancy or childbirth if there aren't any complications, unless:

  • you became pregnant after you took out your policy or booked your trip (whichever is later);
  • a medical professional advised you not to travel; and
  • you couldn't rearrange the dates or destination of your trip and can give us written confirmation of this from your travel provider.
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Claims process

Where do I find my policy documents?

Your policy documents can be found in the travel portal. Head to the travel portal to log in or sign up.

How do I know which section to claim under?

We have different 'sections' of our travel insurance, which cover different things. For instance, things like 'Missed Departure' and 'Travel Delay'.

If you log in to your travel portal, you'll be able to find descriptions of what each section covers when you register your claim. Just click the heading of each section to expand it, and you'll be able to see the definitions.

You can also find this information in your policy book. If you need any more help or are still confused, please don't hesitate to contact us.

Will my claim be closed after a certain time period?

No, there's no time limit for your claim. But if there's no activity on your claim for 60 days, it will become inactive. If this happens, message us via the portal at any time to re-open your claim.

I've sent you all the evidence you've asked for. How long does it take to complete my claim?

Once you've uploaded all the evidence needed, we'll review your claim within 10 working days. We'll then get in touch if there's anything we still need from you to complete your claim.

How long does it take for my claim to be reviewed?

Once you've uploaded all the evidence needed, we'll review your claim within 10 working days. We'll then get in touch if there's anything we still need from you to complete your claim.

I haven't had an update on my claim for a while. When will I next hear from you?

Once you've uploaded all the evidence needed, we'll review your claim within 10 working days. We'll then get in touch if there's anything we still need from you to complete your claim.

While your claim is being looked at, we'll try to keep in touch so you know what's going on and how we're doing.

Will my claim be closed after a certain time period?

No, there's no time limit for your claim. But if there's no activity on your claim for 60 days, it will become inactive. If this happens, message us via the portal at any time to re-open your claim.

Why is my claim showing as closed?

If there's been no activity on your claim for 60 days, it will become inactive.

If that happens, message us using the travel portal at any time to re-open your claim.

How do I send you my evidence?

Please log in to the Travel portal to send us evidence. You'll find some guidance on how to upload your evidence in there. This should be photographs or screenshots in image file formats (JPG, PNG).

If you can't use our portal, you can send documents in the post to us using the following address: TY Admiral, David Street, Cardiff, CF102EH.

I don't have some of the evidence you need. What can I send you instead?

If you don't have the evidence we need, you can upload alternative evidence to support your claim. Once you've done that, send us a message on the portal and we'll review your evidence within 10 working days.

We'll contact you if there's anything we still need from you to be able to complete your claim.

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Trip Cancellation claims

Can I claim for cancelling my trip due to a family member being ill?

We cover close relatives for new illnesses that occurred after you bought your policy or booked your trip - whichever was later.

You can check the definition of 'close relative' in your policy book.

We will let you know if we need to see a medical certificate - this is just a statement from a medical professional explaining the person's health issue.

Why do I need a medical certificate?

A medical certificate is a document a medical professional provides to give some details about your health and any health issues you may have. It also includes details about treatment or medication.

We may need one to process your claim because we have to check that all your medical information was declared accurately on your policy.

My doctor has said it will take a while to complete a medical certificate. Will this be a problem?

There's no time limit for your claim but if there's no activity on it for 60 days, it will become inactive.

If that happens, message us using the travel portal at any time to re-open your claim.

My airline has said it will take a while to send me the evidence you've asked for. Will this be a problem?

There's no time limit for your claim but if there's no activity on it for 60 days, it will become inactive.

If that happens, message us using the travel portal at any time to re-open your claim.

Please send us screenshots of any emails from the airline if you can.

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Personal Belongings and Baggage claims

My belongings were lost or stolen on my trip. What evidence do you need from me to claim?

If you're claiming for lost, stolen or damaged personal belongings, you need to:

  • Report the loss or theft to the police within 24 hours of discovering it and get a police report. All the items you're claiming for must be listed in the police report.
  • If you can't provide a police report within 24 hours (or at all), you'll need to give us a reasonable explanation why, as well as other proof of the loss or theft.
  • Send us receipts showing the price you paid for each item and where and when you bought it. If you don't have a receipt, you'll need to give us proof of ownership another way. For example, this could be a confirmation email from when you ordered the item.
  • Send us any other documents or evidence that we reasonably ask for to support your claim.
  • Keep your travel tickets to hand too, as we could ask for them.

I don't have a police report for lost, stolen or damaged items. What should I do?

If you're claiming for lost, stolen or damage personal belongings, you need to:

  • Give us a reasonable explanation why you can't get a police report. You'll need to show us proof of the loss or theft another way.
  • Send us receipts showing the price you paid for each item and where and when you bought it. If you don't have a receipt, you'll need to provide proof of ownership another way. For example, this could be a confirmation email from when you ordered the item.
  • Send us any other documents or evidence that we reasonably ask for to support your claim.
  • Keep your travel tickets to hand too, as we could ask for them.

My baggage was lost or delayed by the airline. What evidence do you need from me?

If you're claiming for lost, stolen or damage personal belongings, you need to:

  • Get a 'property irregularity report' from your airline provider, or a 'loss or damage report' from any other transport operator if the incident happened while the items were in their care. These are both essentially just documents listing what items were lost or stolen - make sure everything you're claiming for is on there.
  • Send us receipts showing the price you paid for each item and where and when you bought it. If you don't have a receipt, you'll need to provide proof of ownership another way. For example, this could be a confirmation email from when you ordered the item.
  • Send us any other documents or evidence that we reasonably ask for to support your claim.
  • Keep your travel tickets to hand too, as we might ask for them.

My baggage was delayed on my inbound flight. What can I claim for?

Our baggage delay benefit means you can get some money to cover the costs of buying any essential items you need for your trip.

This doesn't include any items delayed on your return journey home.

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Medical emergencies abroad

I've paid for medical services abroad. What evidence do you need from me to claim?

If you're claiming for medical expenses, we'll need:

  • a medical report filled out by the doctor or hospital that treated you
  • any invoices and receipts for the treatment

I've had a medical emergency abroad. Who do I call?

Please call our 24-hour emergency assistance helpline on +44 (0)292 010 7777 before going into hospital or if you think your medical expenses are likely to be over £500. We'll be able to talk you through the next steps.

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Cruise

If I need an air ambulance on a cruise ship, am I covered by Cruise cover?

If Cruise cover has been added to your policy, air ambulances are covered under the emergency medical and repatriation section of your policy.

Please check your policy schedule to see if you have Cruise cover.

You can find this in the travel portal.

My cruise missed one of its ports. Am I covered?

We cover you for any missed ports on your cruise trip, as long as you have cruise cover added to your policy.

We also cover your port being missed because of:

  • poor weather conditions
  • mechanical breakdown
  • timetable restrictions
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Winter Sports

I'm going on holiday to Lapland. Do I need winter sports cover?

If you plan on taking part in any winter sports activities while you're in Lapland, including husky sledge driving or reindeer sleigh rides, you'll need to add Winter Sports cover to your policy.

If you take part in winter sports without Winter Sports cover, you won't be able to make a claim, even if it's for something that's unrelated to winter sports.

If you're off to Lapland and don't intend to take part in any winter sports, a standard travel insurance policy will cover you!

Are there any age restrictions for ski insurance?

We don't offer Winter Sports cover to anyone over 75 years old for trips within Europe or over 70 years old for trips outside of Europe.

Am I covered to ski or board off-piste?

You're covered to go off-piste, as long as:

  • you go with a qualified guide or instructor
  • you stay on recognised paths and within the resort boundaries

A piste was closed at my ski resort. Is this covered?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort because of a lack of snow or bad weather. This is up to a maximum of £200.

This can go towards travel expenses to get to the next open resort, or to compensate you if there are no slopes nearby.

What activities are covered by Winter Sports?

Our Winter Sports Upgrade covers these activities:

  • cross-country skiing
  • dry-slope skiing
  • dry-slope snowboarding
  • glacier walking or trekking
  • husky-sledge driving
  • ice hockey
  • off-piste skiing or snowboarding - as long as you stay on recognised paths, within resort boundaries and are accompanied by a qualified guide or instructor
  • mono-skiing
  • reindeer sleigh ride
  • riding skidoos or snowmobiles - but there's no cover for personal accident or legal liability
  • skiing
  • sledging
  • snowboarding
  • snow shoeing
  • tobogganing

Are lift passes covered?

We'll cover you for unused lift passes if you couldn't use them because of an illness or injury. But we don't cover you if your passes were lost or stolen.

Read more about our customer's experiences

We care what our customers have to say about us.

Useful guides

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Are your personal possessions insured for travel?

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Holiday cancellation cover and travel insurance

Holiday cancellation cover and travel insurance

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Your guide to GHIC cards

Your guide to GHIC cards

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Terms and Conditions

  1. 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”).
  2. This promotion is only available to selected Admiral Home, Admiral Single Car, Admiral MultiCar and Admiral MultiCover Insurance customers living in the UK who receive details of the promotion via email (“Selected Customer”).
  3. The promotion entitles Selected Customer to receive a 25% discount for Admiral Annual Travel Insurance when purchasing a new Admiral Annual Travel Insurance policy (the “Discount”).
  4. To apply the Discount Selected Customers must click on the link contained in the promotional e-mail and purchase an Admiral Annual Travel Insurance policy via that link. The Discount shall automatically apply to the purchase of the policy.
  5. The Discount may be applied to an Admiral Annual Travel Insurance policy by Selected Customers purchased by after which it shall automatically expire.
  6. The Discount can only be used in relation to the purchase of one Admiral Annual Travel Insurance policy and cannot be combined with any other promotion.
  7. 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.
  8. The terms and conditions of this promotion do not alter or vary the terms and conditions of any Admiral Travel Insurance policy which may be purchased.
  9. 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 customer will not be eligible to receive the Discount.
  10. 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.
  11. These terms and conditions are to be governed by English and Welsh 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.