Buyer's guide · 2026
Best Travel Insurance
Travel cover pays for medical emergencies abroad, cancellation, lost baggage, and delays. Single-trip suits one holiday; annual multi-trip is cheaper once you take three or more trips a year.
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| Cover | Best for | Typical UK premium |
|---|---|---|
| Travel Insurance (Single Trip) | Single-trip travel insurance covering one journey abroad. | £10–£80/yr |
| Travel Insurance (Annual Multi-trip) | Annual travel insurance covering unlimited trips within the policy year. | £40–£200/yr |
1. Travel Insurance (Single Trip)
£10–£80/yrSingle-trip travel insurance covering one journey abroad. Includes emergency medical treatment, trip cancellation, lost baggage, and travel delay.
Covers
- Emergency medical treatment and hospital costs
- Medical repatriation
- Trip cancellation and curtailment
- Lost, stolen, or damaged luggage
Excludes
- Pre-existing medical conditions not disclosed
- Travel to FCDO "advise against all travel" destinations
- Alcohol or drug-related incidents
- Valuables left unattended
Available in: Worldwide, Europe, United Kingdom, Armenia, Georgia
2. Travel Insurance (Annual Multi-trip)
£40–£200/yrAnnual travel insurance covering unlimited trips within the policy year. Cost-effective for anyone travelling three or more times per year.
Covers
- All single-trip coverages apply per trip
- Unlimited trips within 12 months
- Typically covers trips up to 31 or 45 days each
- Worldwide or Europe-only options
Excludes
- Trips exceeding the maximum trip duration
- Pre-existing medical conditions not declared
- One-way trips (check policy)
Available in: Worldwide, Europe, United Kingdom
Frequently asked questions
What types of travel insurance are there?
The main options are Travel Insurance (Single Trip), Travel Insurance (Annual Multi-trip). Each protects against a different risk, so the right choice depends on your circumstances.
How much does travel insurance cost in the UK?
Typical annual premiums in this category range from £10 to £200 per year depending on the cover and your circumstances. Get a live quote for an accurate price.
Do I need travel insurance for Armenia?
Travel insurance is not required by Armenian law but is strongly recommended. Medical costs for hospitalisation can reach £5,000–£20,000 without insurance. See our dedicated guide: Travel Insurance for Armenia.
Is annual travel insurance cheaper than single trip?
For anyone taking three or more trips per year, annual multi-trip travel insurance is almost always cheaper. A typical UK annual policy costs £40–£120, versus £20–£40 per single trip.
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GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.