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Travel insurance can protect against eligible unexpected costs before and during a trip. The right policy depends on your destination, health, booking value, activities and journey length—not simply the lowest price.

What travel insurance may cover

Policies differ, but common sections include emergency medical expenses, medical repatriation, cancellation, curtailment, baggage, personal liability and travel disruption. Each section has its own limit, excess, conditions and exclusions.

DestinationSpainGHIC, healthcare, cancellation and holiday activities. DestinationUnited StatesMedical costs, repatriation and worldwide regions. DestinationEuropeSingle trips, multi-country journeys and annual cover. HealthcareGHIC vs insuranceWhat each provides and why they are different. TravellerOver 65sAge limits, screening and specialist policies. MedicalMedical conditionsDeclarations, exclusions and specialist help.

Single-trip or annual multi-trip?

A single-trip policy covers one defined journey. Annual multi-trip insurance can cover several trips within a policy year, subject to geographical and maximum-duration limits. Compare both options using your real travel plans rather than assuming annual cover is automatically better value.

Compare more than the headline price

  • Medical and repatriation: check the limit and emergency assistance process.
  • Cancellation: match cover to the non-refundable value of your bookings.
  • Baggage: examine total and single-item limits.
  • Excess: understand what you pay for each eligible claim.
  • Activities: confirm that cruises, winter sports and adventure activities are included when needed.
  • Medical declarations: answer every screening question accurately.

How Clear Travel Cover works

We currently publish general information and are preparing a future comparison service with appropriately authorised partners. We do not yet display live quotes or arrange insurance. Read how we plan to compare policies and our commercial disclosure.

Frequently asked questions

When should I buy travel insurance?

UK government guidance recommends arranging appropriate cover as soon as you book so eligible cancellation protection can begin, subject to the policy.

Does a GHIC replace insurance?

No. GHIC concerns eligible state healthcare in participating countries and does not provide wider travel protections.

Are all comparison sites whole-of-market?

No. Check which providers are included and whether commercial relationships influence availability or presentation.

Useful official guidance: GOV.UK foreign travel insurance and FCDO destination advice.