by Sam Leaver


8 February 2019




Buying Travel Insurance is an essential part of your holiday planning and budgeting.

The advice is always to arrange your Travel Insurance as soon as you’ve booked your trip so that you’re protected should you need to cancel your holiday.

Perhaps more importantly is to check the level of cover and type of insurance you’re buying. How much is the excess? How much can you claim if you need to cancel? How much money are you covered for when it comes to medical treatment abroad, which can be extremely costly.

1. The number of people that are travelling on your policy

It may sound obvious but the more people that are travelling generally increases the cost of your Travel Insurance. If two people are insured this potentially doubles the chance or cost of a claim when compared to a solo traveller.

Insider tip: Remember if you are travelling with children that kids go FREE on our Infinity family Travel Insurance policies*.

2. The length of your trip

The general rule of thumb is that the cost of your Travel Insurance will increase if you plan on travelling for a longer time period. A 7 day Travel Insurance policy will cost less than a 21 day Travel Insurance policy and a 21 day policy will cost less than a 45 day policy. However doubling the length of your trip does not necessarily mean that the cost of your Travel Insurance will double.

Insider tip: If you are flexible with your dates and the duration of your trip think about getting a quote for your Travel Insurance before booking. Usually the number of days will fall into set bands which means you could stay for another couple of days at no extra cost to your Travel Insurance.

3. Where in the world you are travelling

It costs more to travel to certain parts of the world and the same applies to Travel Insurance.

It costs more for certain countries which reflects the increased costs of medical treatment. For example Travel Insurance will generally be more expensive if you are travelling to the USA, rather than Australia. This is because medical treatment is expensive in the USA as well as the increased costs of repatriation to the UK, an example of just some of the costs in the USA are:

  • A one night stay on an intensive care unit £5,000+

  • A heart operation £20,000+

  • Air ambulance transfer £60,000+

Find out more about Travel Insurance for the USA >

Insider tip: Most policies will set different prices based on areas of the world as opposed to setting them country specific, these will generally fall into these categories:

  • Europe with higher prices for selected countries such as Spain, Canary Islands, Malta and others.

  • Worldwide with higher prices for selected countries such as USA, Canada and the Caribbean.

4. Your age

One of the most important factors when it comes to Travel Insurance is your age. The price of your Travel insurance will increase as you get older and some insurers will not offer cover you at all when you reach 65.

We believe that age should not be a barrier when it comes to travel and that’s why we have no upper age limits on our Travel Insurance policies**

Insider tip: Always arrange your Travel Insurance as soon as you have booked your trip. This will mean that your price is based on your age when booking your trip, not your age when you travel (if this changes) which could end up saving you money in the long run.

5. Any existing medical conditions

Another one of the most important factors that will impact your price is your medical conditions. A recent travel report confirmed that 40% (two in five) buying Travel Insurance have a medical condition.

We can cover hundreds of medical conditions including heart conditions, diabetes and cancer.

Insider tip: Always disclose all of your medical conditions; if you have already bought your Travel Insurance and forgot to mention something get in touch so that we can update your policy. Remember to let us know about any new conditions or changes with your existing conditions prior to you travelling.

6. Annual or single trip Travel Insurance

A single trip policy will cover a one-off holiday whereas an annual multi-trip policy will cover all of your holidays that fall in a 12-month period. As a result you will generally pay more for an annual policy.

Insider tip: If you are planning on taking more than one holiday in the next 12 months it can work out cheaper to take out an annual multi-trip policy. Find out if you need single trip or annual multi-trip Travel Insurance >

Insurance for pre-existing medical conditions

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