Popular destinations get a Holiday Stress Score out of 100, rating how likely you are to run into something that travel insurance covers, and how costly it would be to sort out. Search your destination for a preview, or open the full tool.
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Tell us about your trip and get a personalised briefing: your destination's risks, the latest alerts, and a checklist of what your cover should include. General guidance to help you travel prepared, never a sales pitch.
FCDO warnings, insurance updates, health alerts and natural-hazard news, the things that can move a country's score or affect your cover.
Cover is cheap; getting it wrong is expensive. Avoid these and you'll be properly protected.
Leaving it until the airport
Cancellation cover starts the day you buy, so buy as soon as you book, not the week you fly. It matters even more than it sounds: many insurers won't cover you at all once your trip has already started, so you have to buy before you leave home.
Not declaring a medical condition
Skipping a pre-existing condition to save a few pounds can void your entire medical claim. Always declare, it's the single biggest cause of rejected claims.
Assuming a GHIC is enough
The free health card helps inside the EU, but it won't fly you home or cover private treatment. It's a top-up to insurance, not a replacement.
Ignoring FCDO advice
Travel to an area the FCDO advises against and a standard policy can be void entirely. Check the advice before you go, and if you do need to travel somewhere high-risk, look for insurers that specialise in covering those destinations.
Focusing on baggage, not the big stuff
A lost bag is annoying; an air ambulance is ruinous. Make sure the medical and repatriation limits are high (£1m+) before you worry about luggage.
Not checking the exclusions
Scooters, skiing, hiking and alcohol-related incidents are often excluded as standard. Add cover for what you'll actually do on the trip.
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