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UK Travel Health Insurance

If you’re planning on visiting the UK, you are advised to take out travel health insurance in order to cover potential healthcare costs during your stay.

For more information about your visit to the UK, don’t hesitate to get in touch with one of our trusted legal advisors today on  0333 305 9375 , or contact us  online .

Who Needs Travel Health Insurance When Visiting the UK?

If you’re planning to visit the UK from a country outside the European Economic Area (EEA) for less than 6 months, it is recommended that you take out valid travel insurance cover for the whole duration of your stay to help pay for medical care.

If you’re visiting from the EEA, you are entitled to free healthcare with a valid European Health Insurance Card (EHIC), Provisional Replacement Certificate (PRC) or S2 form.

However, it is also advised that you take out travel health insurance in case of other unexpected expenses and incidents that may occur during your visit, such as repatriation costs or lost or stolen property.

If you’re staying in the UK for more than 6 months, you will have to pay the  Immigration Health Surcharge (IHS)  unless exempt. You will normally have to pay the fee for the IHS when submitting your visa application for your stay.

Paying the IHS allows you to access NHS services. However, it may still be advisable to take out private health insurance on top of that for other services not covered by the IHS during your stay in the UK.

Why Should I Take Out Travel Health Insurance When Visiting the UK?

Travel insurance is an important part of any trip, especially if you end up requiring unexpected medical care during your stay.

If you are visiting the UK from a non-EEA country, you will be charged at 150% of the standard NHS rate if you have not arranged insurance. As a result, it’s essential that you purchase travel insurance with medical cover before travelling to the UK so you can reclaim any healthcare costs you are required to pay from your insurer.

Travel insurance is also important as your pre-existing health insurance policy may not cover you outside of your home country, or its international coverage may be limited.

In addition, there is also the possibility of falling ill unexpectedly, suffering accidents, illness, or needing medical care because of pre-existing conditions.

Travel health insurance may also help to cover costs if your travel or accommodation plans change unexpectedly or if you misplace important documents such as your passport or airline tickets. Many insurance policies will provide you with assistance with these matters as well as reimburse you if there will be any financial costs incurred.

What Should My Travel Health Insurance Cover?

Your travel health insurance to the UK should cover most of the following:

• Emergency medical expenses, including ambulance, medication and hospital fees
• Medical treatment for pre-existing medical conditions
• Personal injury  and accidents
• Repatriation costs
• Reimbursement for any unused travel and accommodation costs should your trip be cut short
• Cover for lost or damaged items, including luggage, passports, credit cards, money or airline documents
• Emergency legal aid and translation services
• Assistance in finding suitable medical facilities in the UK

It’s important to check that the travel insurance cover necessary travel and healthcare needs to make sure you can get the treatment and medical care abroad during the period of your visit.

Insurance is particularly important for those with pre-existing medical conditions. You must tell your insurance company about any pre-existing medical conditions you have to make sure you can get the cover you need. In some cases, you may have to take out specialist cover rather than standard cover for this.

It’s advised to speak to your doctor for advice before you travel and make plans for how to care for your condition when you are in the UK. You should also bring your health condition identification or a letter saying what medication you are taking.

What Isn’t Covered By Travel Health Insurance?

Travel health insurance policies often have exclusions, which are specific situations or circumstances that will not be covered by the insurance policy.

For example, not declaring your pre-existing medical condition to your insurer will mean that you won’t be able to claim for medical care related to your condition during your trip.

In addition, you likely won’t be able to claim back costs if you do any of the following:

• Travel against government advice, such as if the country you’re travelling from places an active travel warning on the UK
• Travel despite known events, such as natural disasters or pandemics
• Incur losses due to carelessness or lack of reasonable safety measures, such as leaving your belongings unattended in a public place
• Engage in reckless behaviour, such as ignoring safety protocols, safety instructions, or if you injured yourself under the influence of drugs or alcohol
• Break the law, such as violating local traffic laws

In addition to these, if you cancel or change your plans for any reason not listed in your base plan, you won’t be able to claim the costs on your insurance.

However, most insurance providers will provide an optional Cancel For Any Reason coverage to your policy that will allow you to change or cancel plans for any reason and claim back some or all of the money.

It’s essential that you familiarise yourself with the details of your insurance policy carefully before setting off on your trip to the UK. Many travel health insurance policies have strict guidelines on what they do and do not cover, so it’s important to know what these are in order to prevent unexpected costs during your trip.

What Else Should I Look For When Taking Out an Insurance Policy?

As previously mentioned, it’s essential that your insurance policy covers any essential travel and medical expenses that may be incurred during your visit to the UK, especially if you have a pre-existing medical condition.

In addition to this, you should also consider the following:

Who You’re Travelling With

If you’re travelling with other people, it may be cheaper and more convenient to get a single insurance policy that covers the whole party rather than individual policies for each person.

For example, many insurance providers offer travel health insurance for couples, families, or groups of friends.

Note that if a person in your party has a pre-existing medical condition, they may require their own individual specialist cover separate from the rest of the group due to differences in coverage plans.

You may find travel health insurance more expensive if you’re over the age of 65. As a result, you may have to look for specialist policies for older travellers to ensure that you have the coverage you need.

Sports or Recreational Activities

If you plan to take part in sports or recreational activities, you will need to ensure that your travel health insurance covers these. This is especially the case if they’re considered to be high-risk activities, such as surfing, BMX, scuba diving, or winter sports.

Method of Travel

It’s worth noting that some methods of travel such as cruises or budget airlines may be excluded from certain travel insurance policies. You should always make sure that your method of travel is covered by your policy, in case of unexpected delays, cancellations or complications.

Add-ons and Extensions

You may wish to purchase additional add-ons or extensions to your travel health policy. For example, if you’re bringing a lot of expensive gadgets or equipment with you to the UK, you may want to purchase extra gadget cover as part of your insurance policy.

Additionally, you may want to add on additional Cancel For Any Reason cover if you want greater freedom and flexibility in being able to change or cancel your travel plans for reasons not covered by your base policy.

Do I Need Single Trip Cover or Annual Multi-Trip Cover for my Trip?

You can buy either single trip cover or annual multi-trip cover before your departure.

Single trip cover only grants you insurance coverage for a single holiday. Your coverage can start either as soon as you book the holiday or the date of your departure, and will end as soon as you come home.

Meanwhile, annual multi-trip insurance grants you coverage for every single trip you take within a 12 month period. The trips you take during this time may be limited to a certain length of time – for example, 31 days.

It may be cheaper to get annual multi-trip cover if you’re planning to go on several trips in a 12 month period. However, if you’re not planning on making many other trips other than your single trip to the UK, it may be cheaper to stick to single trip cover.

If you’re unsure about how many trips you might take in the next 12 months, it may be cheaper and easier to take out an annual multi-trip policy so you know you are covered if you do decide to go abroad.

It’s always best to carefully examine your own circumstances and plans to see which specific type of cover will be more cost-effective and suitable for you.

When Should I Buy Travel Health Insurance?

It’s usually recommended to buy travel health insurance as soon as you’ve booked your trip, or as soon as you’ve made a financial commitment towards it.

This is because it’s best to be covered in the event of your trip being cancelled prior to your departure. Having a valid travel insurance policy will protect you in case any of the following happens:

• Your trip is cancelled due to weather, or other uncontrollable circumstances
• You have to cancel your trip due to personal reasons, such as a bereavement
• You become too ill to travel
• You’re made redundant before your trip

If any of these happen, it may be the case that your insurer could cover some or all of the costs of your trip.

If you’ve left it late to buy travel health insurance before your visit to the UK, it’s still worth looking for insurance providers who will be able to provide you with quick and immediate cover. You just need to ensure that you’ve not yet left home for your trip and that the insurance policy covers everything you need for your visit.

How Much Does Travel Health Insurance Cost?

How much you will have to pay for travel health insurance depends greatly on a number of factors, such as your age, your health, the length of your trip and the complexity of the cover you need.

The specific figures you’ll pay for your insurance will vary based on your country of residence and the insurance company you choose.

Note that the information below uses British travellers buying insurance for trips away from the UK as an example.

The difference between a single trip and annual multi-trip insurance can be reasonably small. For example, British travellers travelling to Europe may pay around £9 for single trip cover but around £12 for annual multi-trip cover.

The average price for older travellers is also much higher. The average price of a single trip cover for British adults travelling to Europe in their 30s, 40s or 50s maybe around £11. However, this figure jumps up to around £30 for people in their 70s, and over £100 for people in their 80s.

How comprehensive your insurance coverage is will also affect the price. A policy that offers higher levels of coverage will cost more than a policy with basic level coverage, as well as offering lower levels of excess.

For British travellers taking our multi-trip cover to Europe, a cover with £1,000 worth of cancellation cover will cost around $17. For £2,000 cancellation cover, this price rises to around £24. For £3,000, it rises again to around £32.

These prices also rise in a similar way when buying couples, group or family travel health insurance cover.

You will also have to pay additional costs on your insurance policy if you have a pre-existing medical condition or choose to add optional extra cover such as for gadgets, winter sports and Cancel For Any Reason coverage.

Which NHS Services Are Free for Visitors?

When you visit the UK, you will be able to take advantage of certain NHS services that you don’t have to claim for on your travel health insurance.

As a result, you will not need to claim on your insurance if you take advantage of these services during your visit. These include:

• A&E services (not including emergency medical treatment if admitted to hospital)
• Family planning services (not including abortions or infertility treatment)
• Treatment for most infectious diseases, including sexually transmitted infections (STIs)
• Treatment required for a physical or mental condition caused by torture, female genital mutilation (FGM), domestic violence or sexual violence (does not apply if you have come to the UK to seek this treatment)

In addition, if you’re visiting the UK and need to see a GP, you can register as a temporary patient with a local GP practice.

You will need to be in the area for more than 24 hours but less than 3 months in order to do this.

However, it will be up to the GP practice whether to accept new patients, even if you’re only looking to become a temporary patient.

Other NHS services, such as hospital treatments and prescription medicines, are not free without a valid EHIC, PRC or S2 form or if you’re from a non-EEA country. You should consider travel insurance packages that provide cover for such medical costs and others outside the NHS services.

For assistance with with your visit to the UK, contact us today.

How Can IAS Help?

If you’re planning to travel to the UK, it’s essential to ensure that you have the right coverage to help assist you in the event of accidents, injury or unexpected incidents.

If you have any questions about your trip to the UK, including what type of insurance you need, what type of healthcare you’re entitled to, or what to do in the event of an emergency, IAS is here to help.

We are specialists and immigration lawyers who specialise in advising visitors to the UK as well as assisting them to obtain the right permits and visas and travelling to the UK. We can help advise you on how to get the right insurance cover for your trip, as well as any other concerns you may have about your visit to the UK.

For more information, don’t hesitate to get in touch with one of our trusted legal advisors on  0333 305 9375 , or contact us through our form  online .

We can help you if you need help with your visit to the UK.

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Foreign travel insurance

If you’re travelling abroad, it's important to take out appropriate travel insurance before you go.

If you travel internationally you should buy appropriate travel insurance before you go. If you already have a travel insurance policy, check what cover it provides for coronavirus-related events, including medical treatment and travel disruption, and any planned activities such as adventure sports. If you are choosing a new policy, make sure you check how it covers these issues.

If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds.

For example:

You should buy your travel insurance as soon as possible after booking your trip. Read the small print, and familiarise yourself with any exclusion clauses for the policy.

When you travel, make sure you take your insurance policy details with you, including the policy number and your insurer’s emergency assistance telephone number. Share your policy details with people you’re travelling with and friends or family at home, in case they need to contact your insurance company on your behalf.

The Association of British Insurers (ABI) represents over 200 insurance companies. Read ABI’s advice on travel insurance , including how COVID-19 can affect it, and their guide on choosing the right travel insurance policy .

In addition to making sure you have appropriate insurance, you should check and sign up to travel advice for your destination.

What to consider when you buy travel insurance for you and your family

• emergency treatment and hospital bills can be expensive. Check whether your policy covers treatment in public or private hospitals
• emergency transport, such as an ambulance, is often charged separately to other medical expenses, and emergency travel home on medical grounds can also be expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if anyone gets ill during your trip. Failing to declare something may invalidate your travel insurance
• all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance for some activities). Also consider all the places you intend to visit, even if you are in transit, in case anyone needs emergency treatment in another country
• cruises generally require an additional level of cover because it is more difficult to get to hospital for treatment. Check the booking conditions of the operator you plan to sail with
• repatriation costs if you or a family member die abroad
• getting home after medical treatment if you cannot use your original ticket
• reasonable costs for a family member or friend to stay with you, or travel out to accompany you home, if required
• 24-hour assistance helplines to offer support and advice about appropriate treatment
• COVID 19 cover for if you or family members cannot return home because you/they test positive for COVID during your travel. Check your insurance covers additional costs such as alternative flights, accommodation and COVID tests. You should also check your insurance provides cover if you cannot reach your final destination during transit due to COVID-19
• within Europe, some insurers may waive any excess on medical treatment if you use a European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC). Check the terms of your policy or contact your insurer to see if this is the case. EHIC and GHIC allow you to access state-provided medically necessary healthcare within the EU and Switzerland on the same terms as residents of these countries. Note that EHIC and GHIC are not alternatives to travel insurance as they do not cover any private medical healthcare costs, repatriation or additional costs such as mountain rescue in ski resorts. Find out more about the EHIC and GHIC, including how to apply for one free of charge
• ATOL is a consumer protection scheme for air holidays and flights, managed by the Civil Aviation Authority (CAA) . Some insurance policies do not provide cover for when airlines or suppliers go out of business. Choose an ATOL-protected holiday or a travel insurance policy that includes airline or supplier failure cover

Policy exclusions

Check how an insurance policy covers:

• alcohol and drugs: most travel insurance policies do not cover events that happen after you have drunk excessive alcohol or taken recreational drugs or other substances
• high risk destinations: many travel insurance policies will not cover travel to a high risk destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all but essential travel or all travel. Check your policy wording and the relevant country travel advice pages before booking your trip and buying insurance
• mental health conditions: some policies may exclude cover for treatment related to a pre-existing mental health condition. For more guidance see foreign travel advice for people with mental health issues
• age restrictions: check whether there are any age-related restrictions if you are buying an annual policy. The Money Advice Service provides guidance on how to choose the right level of cover, get the best deal, and make a travel insurance claim. It also has specific guidance for travellers over the age of 65 or with pre-existing medical conditions
• sports such as bungee jumping, jet skiing, winter sports or skydiving: these are not usually included in standard policies. Use of quad bikes and hire of mopeds is also usually not covered
• driving overseas: check Driving abroad . If you’re hiring a car, check what cover the hire company provides. If you are driving your own vehicle, check your motor insurance policy to see what it covers
• terrorist acts: most policies offer only limited cover for terrorist acts. As a minimum, make sure your policy covers you for emergency medical expenses and travel home if you are caught up in a terrorist attack. Some travel insurers offer policy add-ons to provide additional cover if there is a terrorist attack in your destination. This may include cancellation cover, if your destination is affected by a terrorist attack before your trip and you decide you no longer wish to travel
• other incidents: some policies only offer limited cover for claims related to or caused by a natural disaster (such as an earthquake or tropical cyclone) or civil unrest. You may also not be covered for some claims that arise from an incident (such as strikes or other industrial action) that was known publicly when you booked your trip and/or bought your travel insurance policy

Insurance for extended periods of travel

‘Long-stay’ travel insurance can cover extended periods of continuous travel. Check carefully the maximum duration allowed in any policy you consider buying to ensure that it meets your needs.

Make sure that the entire policy meets your needs, including specific activities and work (paid or unpaid) you may undertake.

Insurance if you live abroad or go for work or study

Travel insurance is not intended for permanent residence abroad. If you live overseas, or you’re planning to move to a different country to live, work or study, you should consider your insurance needs carefully. Local law may require you to have medical insurance, including as part of a visa application.

Read the healthcare guidance in the Living in guide for the country where you live to ensure you have the right healthcare arrangements for your circumstances.

You can buy private medical insurance for UK expatriates. You can also buy insurance from local providers overseas. You should always check policies carefully, including seeing whether you could transfer medical cover if you re-locate to other countries in future.

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United Kingdom Travel Insurance

What should your travel insurance cover for a trip to the united kingdom, how does travel insurance work in the uk, do i need travel insurance for the united kingdom, how much does travel insurance cost for the united kingdom, our suggested axa travel protection plan , traveling with pre-existing medical conditions , does the uk have any covid-19 restrictions for u.s. visitors, do you need car insurance to drive in the uk, are there any other requirements for traveling to the uk.

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.  AXA Travel Protection plans are designed with these minimum recommended coverages in mind. 

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for the United Kingdom.

Picture this: You've planned a scenic road trip through the Scottish Highlands, a land of misty glens and ancient castles. You stumble upon the enchanting Fairy Pools on the Isle of Skye. Imagine, a misstep on the slippery terrain, and suddenly you've got a sprained ankle, not the souvenir you had in mind. With AXA Travel Protection, you receive access to our 24/7 emergency hotline.  Speak to a licensed multilingual travel assistance agent, they can help assist and direct emergency transportation if necessary to your location. With an AXA Travel Protection plan, we are here to assist and support you whenever and wherever you may be. Here’s the entire list of benefits travelers can have access to with an AXA Travel Protection Plan:

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits:  

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures. 

Americans aren't required to purchase domestic or international travel insurance to visit the United Kingdom. But it’s still highly recommended that you have a travel insurance plan before embarking on your next trip. 

Why? There are several reasons:

Medical Emergencies: Your health is a top priority. If you face a sudden illness or injury in New York, travel insurance offers the means to receive prompt and quality medical care.

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

Flight Delays: Travel disruptions like flight delays can happen. If you miss a connecting flight or incur additional expenses due to delays, travel insurance can help cover the costs.

In general, travel insurance to the United Kingdom costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: 

• Total Trip cost:  The total non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc. 
• Age:  Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals. 

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs. 

AXA presents travelers with three travel plans – the  Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that United Kingdom hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan  is your go-to choice if you're looking for extra coverage aligned with the United Kingdom experience. " Cancel for Any Reason " offers greater flexibility for those unexpected twists in your travel plans and the " Rental Car (Collision Damage Waiver) " offers assistance when you're out exploring the United Kingdom's stunning landscapes in a rental car. 

Additionally, part of the Platinum Plan is the " Lost Skier Days " benefit, offering potential reimbursement if ski resorts unexpectedly close due to ever-changing snow conditions. These perks make the Platinum Plan an excellent option for anyone seeking comprehensive protection during their exciting United Kingdom adventures. 

Traveling with pre-existing medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.   Our Gold and Platinum  plans offer coverage for pre-existing medical conditions.  The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons, 

What does this mean for you? If you've got a medical condition hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60-day look-back period. We're here to ensure you travel easily, no matter your health situation. 

American visitors can breathe a sigh of relief that the UK no longer has any COVID-19 restrictions for visitors coming from the United States. You do not need to fret over getting a COVID test or submit proof of vaccination upon arrival in the UK. 

It’s illegal to drive in the UK without vehicle insurance. This also applies to those driving on an international license, even if it’s only for a brief period. If you are renting a car, however, we strongly recommend you purchase rental car insurance. AXA Travel Protection can help you with that by offering Rental Car Insurance (Collision Damage Waiver.)  This coverage provides extra coverage for your rental car against damage and theft.

American citizens are considered non-visa nationals in the UK. Therefore, they neither require a visa (for short-term travel) nor need to fulfill any other conditions to visit and travel across the UK.

UK Travel Insurance FAQs

1. can you buy travel insurance after booking a flight.

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) 

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14 days of making your initial trip deposit.

2. Do Americans need travel insurance for the UK?

UK law doesn’t require U.S. citizens visiting the UK for a short time (up to six months) to carry travel insurance. However, carrying international travel insurance for the United Kingdom for unforeseen events is a good idea.

3. What is needed to visit the United Kingdom from the USA?

U.S. citizens only need a passport and a ticket to travel to the UK. The passport must have at least one empty page and validity for the duration of your trip.

4. What happens if a tourist gets sick in the United Kingdom?

The UK has a National Health System (NHS) that provides medical care nationwide.  If a tourist gets sick in the UK, they can get medical care from an NHS center.  However, it’s important to note that while the NHS services are free for the locals, tourists are charged about 150 percent of the cost of their treatment.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Compare Travel Insurance & Get A Policy Tailored To You from the UK’s Best Travel Insurance Provider

We know how important holidays are, and how important Travel Insurance can be if you need it – especially if you have pre-existing medical conditions.

That’s why we are dedicated to helping you find the right Travel Insurance policy, with the right support – just in case the unexpected happens. So whether it’s a well-deserved week in the sun or a round the world cruise, we’ve got you covered.

We know that every traveller and every holiday is different – that’s why we work with a number of insurers, many with no age limit, to help you find cover that is tailored to your own needs, whether you’re 18 or 80 and wherever you’re going next.

Single Trip

Get insured quickly and easily for a one-off trip up to 365 days, starting any time in the next 18 months – including cover for Coronavirus . Whether you’re planning a staycation, a week in sizzling sunshine or a long stay overseas, our single trip policies have no age limit so make sure you’re protected with the right Travel Insurance .

Annual Multi Trip

If you are planning to travel more than once a year, then taking annual multi trip Travel Insurance could save you money. You can cover yourself or the whole family on an annual policy, so get the flexibility to travel where you want, when you want and as often as you want without worrying about arranging cover every time you go.

We know it’s not nice to think about something going wrong on your cruise, but that’s what Insurance is for. Get peace of mind while you’re at sea with our specialist cruise Travel Insurance , including missed port departure, cabin confinement and cruise interruption cover. All ages and pre-existing medical conditions considered.

Pre-existing

Did you know the majority of Travel Insurance claims are paid to support people in need of emergency medical treatment abroad and that the average claim is more than £1,300? We work with a number of insurers specialising in cover for hundreds of pre-existing medical conditions so you can travel with peace of mind .

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Get healthcare cover abroad with a UK GHIC or UK EHIC

The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in EU countries, and some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay.

The UK GHIC has replaced the existing European Health Insurance Card (EHIC). If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you'll need to apply for a UK GHIC to replace it.

You can apply for a new card up to 9 months before your current card expires.

A UK GHIC is free and lasts for up to 5 years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply.

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC instead.

The UK GHIC is not a replacement for travel insurance. We advise you to have private travel and medical insurance for the duration of your trip.

We also recommend you check FCDO travel advice on GOV.UK for the country you're visiting.

You can apply for a UK GHIC if you're a resident in the UK. You can also add your family members to your application when you apply.

You'll need to provide your:

• date of birth
• National Insurance or NHS number (if you're from England or Wales)
• CHI number (if you're from Scotland)
• Health and Care number (if you're from Northern Ireland)

Applying for family members

Every member of your family needs their own card. You can add your spouse, civil partner and children to your application when you apply. You must enter your own details first and apply for any additional cards when prompted.

If you've already completed your application and want to add additional family members contact NHS Overseas Healthcare Services . You'll need to give us your reference number, name, date of birth and address so we can access your record.

After you apply

After you've submitted your application, we'll email you within 24 hours to let you know whether it has been approved or not (if you don't get a reply, check your junk folder). We may need to see additional information or documents before approving it.

Once your application has been approved, you should receive your new card within 15 working days. It will be sent to you by post.

If you do not receive it before you travel, and need medically necessary treatment during your visit, you can apply for a Provisional Replacement Certificate (PRC) to get temporary cover. For more information, see "If you don't have your card with you" towards the end of this page.

If you have rights under the Withdrawal Agreement

If you have rights under the Withdrawal Agreement, you can choose to apply for a new UK EHIC rather than a UK GHIC. A UK EHIC provides cover for some countries that are not currently covered by the UK GHIC (these are Norway, Iceland and Liechtenstein). Like the UK GHIC, it's free and lasts up to 5 years. You can find out if you have rights under the Withdrawal Agreement on GOV.UK.

What your card covers

You can use your card to get state healthcare that cannot reasonably wait until you come back to the UK (sometimes called "medically necessary healthcare"). This includes things like:

• emergency treatment and visits to A&E
• treatment or routine medical care for long-term or pre-existing medical conditions
• routine maternity care, as long as you're not going abroad to give birth

You'll need to pre-arrange some treatments with the relevant healthcare provider in the country you're visiting – for example, kidney dialysis or chemotherapy – as it's not guaranteed that local healthcare providers will always have the capacity to provide this care.

Whether treatment is medically necessary is decided by the healthcare provider in the country you're visiting.

Not all state healthcare is free outside of the UK. You may have to pay for treatment that you would get for free on the NHS, if a local resident would be expected to pay in the country you're visiting.

Before travelling, you should check the state-provided healthcare services in the country you're visiting and any potential charges you may face.

Check the relevant country guide on GOV.UK for information on how to access treatment in the country you're visiting

What your card does not cover

A UK GHIC (or UK EHIC) does not replace travel and medical insurance or cover services like:

• being flown back to the UK (medical repatriation)
• treatment in a private medical facility
• ski or mountain rescue

We advise that you have a UK GHIC (or UK EHIC) and private travel and medical insurance for the duration of your trip.

Where you can use your card

You can use a UK GHIC when you're visiting:

• an EU country ( see a list of EU countries on GOV.UK )
• Jersey, Guernsey and the Isle of Man
• St Helena, Tristan and Ascension

You can use a UK GHIC in Switzerland if you're one of the following:

• a British national
• a Swiss national
• an EU citizen
• a stateless person
• a family member of someone who holds one of the above nationalities or statuses

The UK government is negotiating with other countries to expand the use of the UK GHIC, so always check coverage before you travel.

You can use a UK EHIC when you're visiting:

• Liechtenstein
• Switzerland

Visiting Norway

You can use a UK passport to get medically necessary healthcare in Norway if you're a UK resident.

Visiting Montenegro

You can get free emergency treatment in Montenegro but you'll have to pay for your prescribed medicines and for other medical treatment.

If you're a UK national, your UK passport will give you access to emergency healthcare in Montenegro.

If you're a UK resident but not a UK national you'll need your passport and a UK GHIC (or UK EHIC) to get emergency healthcare.

Getting healthcare in other countries

You'll have to pay for treatment unless the UK has a healthcare agreement with that country .

Check if you're eligible for a UK GHIC

You'll be entitled to a UK GHIC if both of these things apply:

• you're ordinarily and legally resident in the UK
• you do not have healthcare cover provided by an EU country or Switzerland

There is information about what "ordinarily resident" means on GOV.UK

You may also be entitled to a UK GHIC if you're:

• living in the EU or Switzerland with a registered S1 form
• living in the EU or Switzerland with an A1 document issued by the UK
• a family member or dependant of an entitled individual already listed

Check if you're eligible for a UK EHIC

You may be eligible for a new UK EHIC if you meet one of the following criteria:

• you're living in the EU, Switzerland, Norway, Iceland, or Liechtenstein, and have been since before 1 January 2021 with a registered S1, E121, E106 or E109 form issued by the UK
• you're living in the EU, Switzerland, Norway, Iceland, or Liechtenstein since before 1 January 2021 with an A1 issued by the UK
• you're a national of the EU, Switzerland, Norway, Iceland, or Liechtenstein who has legally resided in the UK since before 1 January 2021 and are covered under the Withdrawal Agreement – you may not be covered if you are also a UK national or if you were born in the UK
• you're a family member or dependant of an entitled individual already listed

If your circumstances change and you no longer meet one of the above criteria, you may not be entitled to continue using the card and should contact NHS Overseas Healthcare Services .

You must be entitled to use your UK GHIC or UK EHIC at the time of the treatment. If you use it to access healthcare that you're not entitled to, you may be liable for the full cost of all treatment received or face prosecution.

Applying for a UK Student EHIC or UK GHIC

To apply for a UK Student EHIC or UK GHIC, you'll need a letter from your university or college showing:

• the name and address of the UK educational institution if you're travelling as part of your course
• the address of where you're studying in the EU or Switzerland
• details of the qualification you're studying for
• the dates your study period in the EU, Norway, Iceland, Liechtenstein, or Switzerland started and is due to finish
• your permanent residential address in the UK

If the letter from your university or college does not include your permanent residential address in the UK, you'll be asked to provide further evidence to confirm this.

This is in addition to the information set out in "How to apply" above.

Students studying in the EU, Norway, Iceland, Liechtenstein or Switzerland applying for a UK Student EHIC or UK GHIC

If you normally live in the UK and have been studying in the EU, Norway, Iceland, Liechtenstein or Switzerland since before 1 January 2021, you may be eligible for a new UK Student EHIC for use in the EU and your country of study.

You will not be able to use this card for treatment in Norway, Iceland or Liechtenstein unless one of these countries is your country of study.

If you started your course after 1 January 2021, or you're planning to study in an EU country, you'll need to apply for a UK Student GHIC. If you're studying in Norway, Iceland or Liechtenstein you can also apply for a UK GHIC but it will not cover you for treatment in those countries, even if you are studying there.

You can use the UK Student GHIC in the EU, Switzerland and your country of study, but not yet in Norway, Iceland or Liechtenstein.

Using a UK GHIC (or UK EHIC) when abroad

You should take your UK GHIC (or UK EHIC) with you when you travel abroad. If you need medically necessary treatment, you'll need to present the card to the hospital (or other service provider) that is treating you – make sure that you are being treated at a public health provider and not a private one. Keep all receipts and paperwork.

Depending on the country you visit you may be expected to pay all or part of your bill upfront and then claim a refund afterwards.

Some countries ask patients to pay a contribution towards the cost of their care. This is known as a co-payment or patient share. You can claim back the difference between the total bill and the co-payment, but the actual co-payment is not refundable.

Your UK GHIC or UK EHIC will not cover costs that a local resident would have to pay.

If you don't have your card with you

If you need emergency treatment when you're in another country and do not have your UK GHIC (or UK EHIC) with you, you can apply for a Provisional Replacement Certificate (PRC). A PRC gives you the same level of cover as a UK GHIC or UK EHIC.

A PRC also covers you if you've applied for a UK GHIC or UK EHIC and it has not arrived yet.

Find out more about PRCs and how to apply for one

You'll need to pay in full for treatment if you do not have a UK GHIC, UK EHIC or PRC. You should ask for a copy of your invoice and obtain a receipt.

How to claim a refund

To claim a refund for healthcare covered by your UK GHIC or UK EHIC, you'll need to download and fill in a refund claim form and send it to NHS Overseas Healthcare Services. You should include receipts and any supporting documents with your claim form.

Find out how to claim a refund for healthcare covered by your UK GHIC or UK EHIC

Incorrect charges for treatment

If you think you've been incorrectly charged for medical treatment, contact NHS Overseas Healthcare Services .

Keep all documents relating to your treatment. You may need to provide more information to confirm your eligibility and the cost of the treatment you had. This could include:

• receipts or invoices relating to treatment
• confirmation that the treatment was state-provided
• confirmation of payments made to healthcare institutions
• documents relating to insurance cover if your insurer paid for treatment
• discharge documents

NHS Overseas Healthcare Services will look at your claim to decide whether you were charged when you should have been covered. If they determine that your treatment should have been covered by the UK GHIC or UK EHIC, they'll reimburse you or your insurer for the costs of treatment that are covered by your card.

If you suspect GHIC or EHIC fraud

If you suspect that somebody has fraudulently applied for or used a UK GHIC or UK EHIC they are not entitled to, you can report this to the NHS Counter Fraud Authority .

Alternatively, you can email your concern to us at [email protected] .

Page last reviewed: 12 December 2023 Next review due: 12 December 2026

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Visitors to the United Kingdom

Uk travel insurance and safety tips for visitors.

The weather is another consideration. Unless your travel is confined strictly to the summer months, plan on encountering low temperatures, and even if you are traveling in the summer, you shouldn’t count on it being warm and sunny. In Edinburgh, the average daily July temperature doesn’t break 15°C (60°F), and at night the July average drops to 11°C (52°F), hardly tank tops and shorts weather.

From the mysterious magic of Stonehenge to the sparkle of the crown jewels, the United Kingdom offers something for everyone. Totaling less than 100,000 square miles, and with London just a three-hour train ride from Paris, the UK offers a wide variety of cultures, experiences, and even languages within its borders, encompassing Wales, Scotland, Northern Ireland, and England . Be assured speaking English will undoubtedly suffice for travelers and those visiting the UK.

However short your visit is, you should count on having rain and damp weather. Having good rain gear in your luggage ensures you have the most enjoyable stay. Of course, we suggest tourists also have a good UK travel insurance plan before departure. What else should you know to make sure that your stay in the UK is healthy and safe so you can fully enjoy your time there? Let’s take a closer look.

Best Travel Insurance for Visitors to the United Kingdom

For tourists and visitors to the UK who are looking for a travel insurance plan, including coverage for trip interruption, evacuation, and repatriation benefits, consider the Atlas Travel Medical Plan , offering high-quality coverage at an affordable price, or the Patriot Travel Insurance  plan.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Patriot Platinum Travel Insurance

• Maximum limits up to $8,000,000
• IMG pays 100% of medical expenses in-network
• Evacuation due to Natural Disasters & Political Unrest

Best Travel Insurance for US Citizens Visiting UK

For US citizens traveling to the UK, we recommend the GeoBlue Travel Insurance plan while visiting the United Kingdom. GeoBlue offers great service with a premium network of hospitals and doctors worldwide. If you have a US health insurance plan, some pre-existing conditions will be covered in the UK or any country you travel to.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Embassy Phone Numbers in the UK

• United States: +44 20 7499 9000
• Canada: +44 20 7004 6000
• Australia: +44 20 7379 4334
• New Zealand: +44 20 7930 8422

All embassies are located in London, but larger cities such as Belfast and Edinburgh are likely to host a consulate which can be a valuable resource if you are located closer to one of these cities.

Essential Safety Tips for Visitors to the UK

The United Kingdom has a reputation as a safe place for travelers. However, usual precautions should be taken, especially when traveling and living in large cities where thefts, muggings, and sexual assaults do occur. It’s a good idea not to carry too much cash or valuables as you move about and to keep secure copies of important documents such as passports and credit cards. When going out for an evening, do not leave drinks unattended.

Unfortunately, terrorism remains a threat in the United Kingdom; the Canadian government advises a “high degree of caution”. The UK has placed its current threat level at severe. You can check the latest UK threat level here , and U.S. Citizens can enroll in the STEP program to receive the latest warnings and updates from the State Department. General advice for staying safe in the face of this danger includes monitoring local news, familiarizing yourself with the area, keeping the contact information for your embassy, and, for those who are visiting on a longer stay, registering with your embassy.

Emergency Assistance Numbers in the UK

Two emergency numbers in the UK will connect you with all emergency services, including ambulance, fire, and police. Both 999 and the more universal European 112 will work and function similarly to how 911 operates in the United States.

Another helpful number to have is 0845 4647  or  111, a non-emergency number that will connect you to the National Health Services, where a trained professional can help you assess your symptoms to help you decide where to seek help best.

For those staying in a residence or rental property, either as a long-term or short-term rental, it’s a good idea to have the gas emergency number: 0800 111 999 .

United Kingdom: Healthcare System and Types of Insurance

The United Kingdom provides healthcare to all citizens and permanent residents through the publicly funded National Health System (NHS). For those who do not meet the requirements to qualify for NHS coverage, it will be necessary to acquire private insurance. This is available both within the UK and can be purchased through services specifically designed for travelers and expats. While healthcare in the UK regularly receives high marks in the area of quality, the NHS has been criticized for accessibility and speed with which services are provided, causing some who have access to NHS to opt to buy additional private insurance to ensure that their health care needs are fully met. As you look through your healthcare options, this should be an important consideration for you. The NHS is so large that even private insurance services are often provided within the framework of the public system. The insurance options that you choose must provide adequate coverage that will meet your healthcare needs with the speed and efficiency with which you feel comfortable.

Related: Health Insurance for Expats in the UK

• HealthCare in the UK (Wikipedia)
• Best Hospitals in the UK For Expatriates and Travelers

The United Kingdom is currently leaving the European Union. As a result, for those who are not UK residents but are EU residents, it’s important to call your current insurance provider and find out about any changes to the benefits that you would receive while traveling and living in the UK. As this is a shifting situation, getting the most up-to-date information is best.

Vaccines, Medications, and Diet Considerations for Visiting the UK

Food and clean water are readily available throughout the United Kingdom. Even those requiring a special diet, such as for diabetes or Celiac disease, can look forward to being able to find specialty foods available. Those who follow a vegan diet should expect to have a similar time as they do at home. In larger cities like London, finding markets and restaurants that cater to their diet will be much easier than in rural areas. The UK food labeling does not require as extensive labeling as the United States, but any information must be accurate and is monitored by the government.

A wide variety of prescription medications are available. You should bring a large supply of any medications you use, along with a copy of prescriptions. If there is a medication you think you may need during your stay in the UK, it’s a good idea to make sure that it is available and what name it is sold under.

You do not need any special vaccinations as a precaution to protect your health during your UK visit; however, to secure a Visa, you will need to be able to prove that all of your basic vaccinations are present and up-to-date, including polio and MMR.

Is Travel Insurance Mandatory for a UK Visa Application

Do us citizens need a visa to visit the uk.

Speaking of a visa, a visa is unnecessary for visitors from the United States and select other countries for tourism for up to six months.

Visa Requirements for UK Tourists from Other Countries

For longer stays or to secure work for a UK employer, then you will need a visa. You will need a valid passport to enter the country. For visitors from EU countries and Switzerland, currently, the UK is working to keep travel visa-free, but as this is an evolving situation, it’s best to check what the latest news is before you leave. Currently, both a passport and a National Identity Card can be used to gain entry. For travelers from other countries, check the  Visa and Immigration page on Gov.uk.

Advice on Insurance Required for Visas:

• Travel Insurance Plans Requirements for Your Visa
• Best Travel Insurance for the Schengen Visa

With this information, you’ll be well-prepared to take full advantage of your time in the United Kingdom. Ensuring you’ll have a healthy and safe stay means you’ll be able to make the most of your time there, for work or pleasure or both.

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Introduction to HTH Worldwide Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy

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HTH Worldwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Importance of Having International Health Insurance

• May 7, 2024

As the world becomes increasingly interconnected, more individuals are finding opportunities—and indeed, necessities—to live, work, or study abroad. Whether you’re a digital nomad, an expatriate, or a long-term tourist, the need for robust health coverage is more pressing than ever. 

International health insurance not only provides essential health protection but also offers peace of mind while you are away from your home country. Here’s an in-depth look at why overseas health insurance is crucial for global adventurers and how to navigate this complex landscape.

Comprehensive Medical Coverage

One of the foremost advantages of international medical insurance is the breadth and depth of coverage it offers. Unlike standard travel insurance, which generally covers only emergencies and for shorter durations, overseas trip insurance provides far-reaching coverage that includes preventive care, routine check-ups, emergency services, and treatment for chronic conditions.

• Preventive Services and Routine Check-ups : Regular medical examinations and preventive services are vital for catching health issues before they become serious. International health insurance plans often cover these services, which can be overlooked by short-term policies.
• Management of Chronic Conditions : For those with ongoing health issues, international medical insurance is invaluable. It ensures that you can continue receiving quality care even when away from your regular healthcare providers.
• Maternity and Pediatric Care : For families living abroad, access to maternity services and pediatric care is essential. Comprehensive international health plans often include these, providing care from pregnancy through to childbirth and beyond.
• Dental and Vision Care : These plans can also cover dental and vision care, which are not typically included in basic health insurance policies.

Global Portability

Wherever you go, your overseas medical insurance goes with you. This global portability is crucial for those who travel frequently or live in multiple countries throughout the year.

• Consistent Coverage Across Borders : Whether you find yourself in Bangkok or Buenos Aires, your coverage remains active, without the need to switch plans or providers based on your location.
• Customizable Plans : Many international medical insurance plans are customizable to cater to the laws and medical costs of specific countries, ensuring that you are adequately covered according to local requirements.

Emergency Services

The unpredictability of life becomes even more pronounced when you are in unfamiliar surroundings. International health insurance provides crucial support during emergencies.

• Emergency Medical Evacuation : If the local medical facilities are not equipped to handle your medical needs, your insurer can arrange and cover the cost of transporting you to a facility that can provide the necessary care, including repatriation back to your home country if needed.
• 24/7 Assistance : Many insurers offer around-the-clock support, which can be indispensable during a medical crisis when navigating a foreign healthcare system.

Tailored to Your Needs

International health insurance can be tailored to fit a variety of needs and situations, making it a versatile choice for many travelers and expats.

• Individual and Family Plans : Whether you need individual coverage or a plan that includes your family, there is a range of options available that can be adjusted based on your specific needs.
• Group and Corporate Plans : Companies with global operations can provide their employees working abroad with international health insurance, ensuring compliance with corporate duty of care obligations.

Legal Compliance

Many countries require proof of sufficient health insurance as a condition for granting visas, especially for students and expatriates. Overseas medical insurance can meet these legal requirements, helping to smooth the way for visa approvals and renewals.

Friendly Global: Simplifying Your Choices

The landscape of international medical insurance can be as complex as it is varied. Friendly Global serves as an international insurance advisor, helping you decipher the nuances of different plans and coverage options. With their expertise, they can guide you to the insurance solution that best fits your lifestyle and needs, ensuring you make an informed choice.

Friendly Global’s team of experts can provide personalized advice based on your specific circumstances and requirements.

The benefits of having international health insurance are clear. It provides more than just medical coverage; it offers a safety net that allows you to explore the world with confidence. Whether you are moving abroad for a new job, studying overseas, or simply fulfilling your travel dreams, international medical insurance is an essential part of your global journey. 

With the help of an advisor like Friendly Global, securing the right coverage becomes a less daunting task, allowing you to focus on the exciting experiences ahead.

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Travel Insurance for United Kingdom From India

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Secure your trip now with Star Travel Insurance.

Travel insurance for the united kingdom from india.

Planning to guarantee hassle-free, safe, and secure travel to the United Kingdom is crucial. You must plan your trip and make the necessary travel and booking arrangements. This includes obtaining a travel insurance plan for the UK from India. However, unforeseen events can still happen, even with careful preparation, and they can throw off your plans. For example, travel abroad has been suspended due to the current Covid-19 outbreak. Most countries have tight travel and immigration regulations, allowing only necessary travel. You must buy travel insurance for reasons like this. This is very important for your trip to the UK. This helps to safeguard your cash. This is if something untoward occurs. Your UK travel insurance can be useful throughout your whole journey abroad.

The Significant Advantages of a travel insurance UK plan

In addition, several smaller islands are part of the British Isles. The United Kingdom is home to various ancient and modern sites. Every year, tourists worldwide come to the United Kingdom for various reasons, including the modern marvel known as the London Eye, the historic Tower Bridge in London, and the cosmopolitan mix of London and its picturesque villages and lakes.Whether passionate about history or mountains, a trip to the United Kingdom should be on your travel bucket list. Additionally, it’s critical to safeguard your trip with UK travel insurance. An insurance coverage created explicitly for visitors to the United Kingdom, UK travel insurance provides travellers with financial security while away from home.

• Assistance with travel
• Insurance against illness and accidents
• Benefit for lost baggage & passport
• If you are admitted to the hospital in the UK, your travel insurance coverage will automatically be extended for 60 days.
• protection against personal culpability

Why Do You Need Travel Insurance to Travel to the UK?

Visa requirements for uk.

Baggage Coverage

Travel health insurance to the UK, which provides financial support if you fall ill or are involved in an accident while travelling.

Medical Coverage

Payment for Medical Coverage in the event of Medical Coverage delay or loss.

Additional advantages

Low-cost UK travel insurance packages with affordable daily premiums.The choice to obtain coverage in US dollars and make payments in Indian rupees

Visa Information for the UK

Normal visa for visitors.

Indian citizens may apply for a Standard Visitor Visa, which allows them to enter the UK and is eligible for a stay of up to six months. One of the following justifications may be used to request the previously indicated visa.

• Scholarly endeavours
• Health-related reasons
• Seeing loved ones
• Getting engaged, married, or forming a civil partnership
• Staying with a partner or family for a prolonged period
• Diplomatic visits

Standard Visitor Long-Term Visa

Long-term Standard Visitor Visas are available for two, five, or ten years and are intended for extended stays in the UK. They allow for visits of up to six months in length. You can apply for several other types of visas to the UK in addition to the ones listed above, such as the following:

• Marriage Visitor Visa
• Tier 4 (General) Student Visa
• Tier 4 (Child) Student Visa
• Permitted Paid Engagement Visa
• Tier 2 - Sportsperson Visa
• PBS Dependent - Partner Visa
• PBS Dependent - Child Visa

Apply Visa Travel for United Kingdom

Required documents to apply for a visit visa to the united kingdom.

The following paperwork is needed. This is important when applying for a visitation visa to enter the United Kingdom.

• Pay and financial details
• Route of travel
• Individual data
• History of travel
• Evidence of your ability to pay for your time in the UK
• Proof of your financial stability to fly into and out of the United Kingdom
• Proof that you plan to depart the nation after your stay
• Applying for the UK visit visa at least three months before the anticipated trip date is suggested, as the application process typically takes three to four weeks.

Information About Indian Citizens' Access to the UK

Indian citizens can apply for a visa here to go to the UK.

• Click this link to apply for the relevant category of UK visa
• Pay the online visa charge
• Make an appointment for a visa
• Bring the necessary paperwork for your planned visa appointment.

Documents needed for the interview for a UK visa

The following paperwork has to be sent to you when you attend your appointment for the UK visa interview.

• Verification of the appointment for the visa
• Acceptance of the payment for the visa application fee
• A valid passport and, if available, tickets
• A picture the size of a passport
• A printout of the visa appointment form that is appropriately signed
• A properly executed self-evaluation form
• Additional documents specific to the visa category

Covid Travel Recommendations to the United Kingdom

The following are the current travel warnings for Indians going to the UK

• A negative Covid-19 RT-PCR test result is needed
• It should be acquired in no less than 72 hours. This is following the visitor's arrival in the United Kingdom.
• The UK requires a 10-day quarantine. It should be immediately after arrival.
• Travelers who test positive for COVID-19 in the UK will also be quarantined for 14 days.

Required Documents for Travel United Kingdom

Required travel documents for traveling from india to the united kingdom:.

• A valid passport
• A pre-approved visa
• A negative test report of RT-PCR, which is not older than 72 hours from the time of arrival in the United Kingdom
• Passenger locator form
• Confirmed travel tickets
• Prescription for specific medications, if any
• A robust travel health insurance for UK travel, including COVID-19 coverage

Travelling to the UK: Safety and Precautionary Steps Must Be Taken:

• Always keep your passport secure
• Instead of asking for private assistance, use authorized commercial transportation.
• Follow the rules and laws of the country.
• Refrain from visiting far or unfamiliar places, especially at night
• Don't engage in any illegal activity.
• Refrain from acting, speaking, or combining your activities with public indecency.
• Safeguard your possessions, particularly in congested areas and popular tourist destinations.
• Select the UK's top travel insurance to protect your finances from unfortunate events.

The Indian Embassy in the United Kingdom:

Contact details of the high commission:, money transfer and international trade, travel destinations in the uk.

The rich history and diverse landscape of the United Kingdom have always captivated visitors. A few must-see locations within the magnificent archipelago are the Scottish Highlands, the tranquil mountains and lakes of the British countryside, the museums and palaces of London, and the enchanted castles of Edinburgh. And if you have a comprehensive UK travel insurance policy, you may visit these locations worry-free!

London embraces the present, and the future with one arm firmly planted in history. Besides, it also has many modern marvels and architectural treasures. The city is well-known for its landmarks, which include Big Ben, the British Parliament, Westminster Abbey, Buckingham Palace, the Millennium Bridge, Tower Bridge and Trafalgar Square. 

Scotland's capital, Edinburgh, is a fascinating city with many historical and natural landmarks. Edinburgh Castle towers over the town like a picture postcard from the thirteenth century. Other notable tourist locations include the Palace of Holyroodhouse, the Scottish National War Museum, and Edinburgh's Royal Mile. 

Any trip to Scotland, home of the mythical Loch Ness, must include a visit. Tales of the legendary Loch Ness Monster have long enthralled locals and visitors. While you might not encounter the famous beast at the serene lake, there is plenty to see, including the ruins of Urquhart Castle, the Loch Ness Centre and Exhibition, and Inverness Castle.

The Lake District

Discovering England's tranquil lake district and the Cotswolds is akin to immersing oneself in a sixteenth-century story set in the same locale. The area, which includes the counties of Worcestershire, Warwickshire, and Oxfordshire, is gorgeous and features mountains, lakes, villages, and grasslands.

You can visit our website and select international travel insurance to obtain travel insurance for the UK. Next, you must choose the level of coverage you desire and submit the required personal data. The following features can be added to a basic UK travel insurance policy.

• Health insurance
• Baggage coverage

Once you have added the necessary elements to your UK travel insurance plan, you need to finish the transaction by making the payment. As soon as you receive your policy, you may view it in your email inbox.

The length of your anticipated stay in the UK will determine how much your travel insurance will cost. Several additional factors also influence the previously mentioned quantity. To guarantee that everyone in your family has enough coverage when visiting the UK, you can pick an appropriate sum assured in your UK travel insurance policy.

To enter the UK, you must have a current medical travel insurance policy. Investing in the previously mentioned plan will guarantee that your travel expenses are covered.

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Russian visa - Invitaion and health insurance - Moscow Forum

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Russian visa - Invitaion and health insurance

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I'm looking to apply for a visa to travel to Russia. I'm a UK national. Would an invitation from VisitRussia or any visa agent be valid/legal? Also, would I require a health insurance? I've come across a few articles that say UK nationals do not require any additional health insurance as their NHS health insurance is valid. Thanks in advance for advice on this.

> Would an invitation from VisitRussia or any visa agent be valid/legal?

Can't see why not.

> would I require a health insurance?

Not sure about the invitation, our hotel invited us and there was no charge.

Regarding insurance you just put NHS

This topic has been closed to new posts due to inactivity.

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Edinburgh is a great holiday destination, it may not always have the warmest climate but with such beautiful countryside and friendly people, it is hardly noticable. There are fabulous beaches not far from the centre of the city includingthe lovely town of North Berwick with its sandy beaches, sailing, boat trips, golf, tennis and watersports. A surfers paradise lies just 20 miles from Edinburgh at Gullane with its long beach surrounded by sand dunes. Its village has a selection of pubs, shops and restaurants.

Moscow Tourist Attractions

Visitors to Edinburgh will find plenty to do both indoors and out. The city is dominated by the huge castle that sits high above Edinburgh and offers tourists an insight into Scotland’s royal past. There are audio tours available daily. The zoo is one of Scotland’s most visited attractions. Edinburgh zoo is involved in various conservation projects and offers visitors a wealth of information about its animals which include Azara's agouti to Grevy's Zebra a penguin parade and feeding chimps.

A big part of the attraction for visitors to Edinburgh is the festivals; the Edinburgh Festival is the most famous. The Edinburgh Festival is a variety of different events which include The Fringe Festival, Edinburgh Book Festival, Edinburgh Military Tattoo and a Jazz Festival. During winter the city hosts many Christmas themed events which culminate in the Hogmanay.

Less than 10 miles from Edinburgh is the village of Roslin and the Rosslyn Chapel a Scheduled Ancient Monument. The chapel which has been described as an “Architectural Wonder” was built between 1446 and 1484 and almost every surface of the chapel is completely covered with carvings of individual figures and scenes. There are tours held for both adults and children to find out more about this world famous attraction.

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Politics latest: Keir Starmer sets out what he'll do to tackle small boat crossings - as he's asked if he'd welcome Nigel Farage to Labour

Labour leader Sir Keir Starmer sets out his party's plans to try and tackle small boat crossings if it wins power. Listen to the latest episode of the Electoral Dysfunction podcast as you scroll.

Friday 10 May 2024 13:55, UK

• Starmer says small boat crossings 'one of the greatest challenges we face'
• Explained: What's in Labour's plan to try and tackle problem
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Mark Garnier, the Conservative MP for Wyre Forest, has been speaking about his colleague Natalie Elphicke's defection to Labour.

He says it was "very very strange" - and that Ms Elphicke was one of the Tory's "most right-wing politicians".

Speaking to Politics Home , Mr Garnier said: "Had she gone to Reform or the BNP we would have kind of understood it, but it was very, very strange."

By Dan Whitehead , West of England and Wales correspondent

Horns blared. Headlights flashed. Placards were waved. Traffic in central London ground to a halt as hundreds of tractors filled the roads, headed for parliament.

Farmers gathered in Westminster in March to share their fears for their industry's future. It was a headline-grabbing moment and the culmination of years of frustration.

The problems farmers face are complex. They blame the government for pushing them out of business, pointing to the lack of affordable labour after Brexit; the need to tackle climate change - with agriculture accounting for 10% of the UK's total greenhouse gas emissions - leading to new regulations, and the growing realisation that for most people buying British is a luxury they can't afford.

Read Dan's full piece below: 

Pollsters at JL Partners have asked 2,001 people in Great Britain for their thoughts on a string of issues - one of them being migration.

People were asked: "The UK's Illegal Migration Act is now law.

"The Act would see those who enter the UK via unauthorised routes removed to their home country, or a 'safe' third country, such as Rwanda. 

"Do you support or oppose this policy?"  

In response, 55% of people said they support it - 33% strongly and 22% somewhat so.

Meanwhile, 22% of people oppose it - 14% strongly and 8% somewhat.

A total of 7% responded don't know, while 15% neither support nor oppose".

Michael Fabricant, the Conservative MP, is speaking about what Sir Keir Starmer announced this morning on stopping small boats.

Mr Fabricant says all the initiatives "are things that the government and other agencies are already doing".

This does not include what Mr Fabricant calls the "rather sparkling name" of the Border Security Command.

Asked about the defection of Natalie Elphicke to Labour and Sir Keir Starmer, Mr Fabricant said it was "amazing" to see them together.

He says he spoke with Ms Elphicke at a Christmas event in which she said the Royal Navy should "open fire" on the French Navy if they do not accept small boats being returned.

He adds that Ms Elphicke wanted to see small boats being "nudged back".

Mr Fabricant says he does not think Ms Elphicke is a "good fit" in the Labour Party - and that she "wasn't a good fit in the Conservative Party either".

Following the defection of the Dover and Deal MP Natalie Elphicke to Labour, Beth, Ruth and Jess discuss the surprise move and whether it could have been handled differently by Sir Keir Starmer.

They also talk about Beth's interview with the former immigration minister Robert Jenrick and his warnings about Reform UK.

Plus, how significant was the defeat of former Conservative mayor of the West Midlands Andy Street? Beth and Jess were both there to tell the story.

And they answer a question on Labour and the Muslim vote, and what the party can do to restore confidence and trust.

Email Beth, Jess, and Ruth at [email protected] , post on X to @BethRigby, or send a WhatsApp voice note on 07934 200 444.     

👉 Listen above then tap here to follow Electoral Dysfunction wherever you get your podcasts 👈

In January 2023, Rishi Sunak made five promises.

Since then, he and his ministers have rarely missed an opportunity to list them. In case you haven't heard, he promised to:

• Halve inflation • Grow the economy • Reduce debt • Cut NHS waiting lists and times • Stop the boats

See below how he is doing on these goals:

The Sky News live poll tracker - collated and updated by our Data and Forensics team - aggregates various surveys to indicate how voters feel about the different political parties.

With the local elections complete, Labour is still sitting comfortably ahead, with the Tories trailing behind.

See the latest update below - and you can read more about the methodology behind the tracker  here .

We heard from Sir Keir Starmer earlier about Labour's plan to deal with small boat crossings.

But what exactly does the opposition say it will do?

Well, according to their announcement, Sir Keir Starmer wants to:

• Introduce a "Border Security Command" with "counter-terror powers" - which they hope will be headed up by a former police, military or intelligence chief, reporting to the home secretary;
• An ending of the Rwanda scheme - although existing planes will not be cancelled. Sir Keir described the scheme as a "gimmick" and that it doesn't work as a deterrent;
• £75m from the Rwanda plan will be put into Labour's plans in the first year, as they direct funds earmarked from the government's plans in to their own;
• Hiring hundreds of "special investigators,intelligence agents and cross-border police officers". They will work alongside agencies like the National Crime Agency, MI5, Border Force, Crown Prosecution Service and Immigration Enforcement;
• Powers like stop and search, financial and property investigating, and "tough" civil orders will be given to border officers.

Home Secretary James Cleverly is quick out of the gates with a response to Sir Keir Starmer's speech on migration this morning.

In a statement, Mr Cleverly says: "Labour have no plan to stop the boats. 

"Labour have an illegal immigration amnesty, Labour blocked of the deportation of violent sexual offenders and Labour voted over 130 times against tougher legislation to stop the boats. 

"They will create a haven for criminal gangs, not stop them. Even Labour MPs are saying Labour can't be trusted to stop the boats which shows you nothing will change.

"If people can apply for asylum from outside the UK then unlimited claims can be made, many of which will have to be accepted under the law and even then, many of those declined will then get on a small boat anyway.

"Labour's announcement would make the UK the asylum capital of the world."

Political editor Beth Rigby was in the room as Sir Keir Starmer gave his speech on small boat crossings.

The Labour leader didn't offer the highest level of clarity when asked if his party would stop all flights to Rwanda if it enters government.

Beth tells us: "As I understand it, Labour's position is that they will not schedule any more new flights - no flights scheduled from a Labour government. 

"But if they were some flights already in the system that were scheduled, as I understand it, they wouldn't cancel them."

This would see Labour effectively "winding down the scheme".

"So for all intents and purposes, when he says he wants to scrap the scheme, Labour really do intend to do that pretty much from the get-go if they win a general election," Beth says. 

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Russian visa - Invitaion and health insurance - Moscow Forum

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I'm looking to apply for a visa to travel to Russia. I'm a UK national. Would an invitation from VisitRussia or any visa agent be valid/legal? Also, would I require a health insurance? I've come across a few articles that say UK nationals do not require any additional health insurance as their NHS health insurance is valid. Thanks in advance for advice on this.

> Would an invitation from VisitRussia or any visa agent be valid/legal?

Can't see why not.

> would I require a health insurance?

Not sure about the invitation, our hotel invited us and there was no charge.

Regarding insurance you just put NHS

This topic has been closed to new posts due to inactivity.

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km travel chesterfield 2024 brochure prices

This is our KM Travel Tour Operators page, we have listed the full address of KM Travel as well as phone numbers and websites. KM Travel is in Chesterfield, KM Travel may offer holiday tours, sightseeing tours, and general city tours in Chesterfield.

If you have used KM Travel before be sure to leave your own comment or rating on the city tour or holiday tour that you went on so other poeple wishing to use this company can read fair and honest reviews before the book there holiday with KM Travel. Please remember that KM Travel may offer much more that just UK holiday tours, UK Coach Tours and city tours so remember to contact the travel agents company using the details below to find out more information.

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Trains Moscow to Elektrostal: Times, Prices and Tickets

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Moscow to Elektrostal by train

The journey from Moscow to Elektrostal by train is 32.44 mi and takes 2 hr 7 min. There are 71 connections per day, with the first departure at 12:15 AM and the last at 11:46 PM. It is possible to travel from Moscow to Elektrostal by train for as little as or as much as . The best price for this journey is .

Get from Moscow to Elektrostal with Virail

Virail's search tool will provide you with the options you need when you want to go from Moscow to Elektrostal. All you need to do is enter the dates of your planned journey, and let us take care of everything else. Our engine does the hard work, searching through thousands of routes offered by our trusted travel partners to show you options for traveling by train, bus, plane, or carpool. You can filter the results to suit your needs. There are a number of filtering options, including price, one-way or round trip, departure or arrival time, duration of journey, or number of connections. Soon you'll find the best choice for your journey. When you're ready, Virail will transfer you to the provider's website to complete the booking. No matter where you're going, get there with Virail.

How can I find the cheapest train tickets to get from Moscow to Elektrostal?

Prices will vary when you travel from Moscow to Elektrostal. On average, though, you'll pay about for a train ticket. You can find train tickets for prices as low as , but it may require some flexibility with your travel plans. If you're looking for a low price, you may need to prepare to spend more time in transit. You can also often find cheaper train tickets at particular times of day, or on certain days of the week. Of course, ticket prices often change during the year, too; expect to pay more in peak season. For the lowest prices, it's usually best to make your reservation in advance. Be careful, though, as many providers do not offer refunds or exchanges on their cheapest train tickets. Unfortunately, no price was found for your trip from Moscow to Elektrostal. Selecting a new departure or arrival city, without dramatically changing your itinerary could help you find price results. Prices will vary when you travel from Moscow to Elektrostal. On average, though, you'll pay about for a train ticket. If you're looking for a low price, you may need to prepare to spend more time in transit. You can also often find cheaper train tickets at particular times of day, or on certain days of the week. Of course, ticket prices often change during the year, too; expect to pay more in peak season. For the lowest prices, it's usually best to make your reservation in advance. Be careful, though, as many providers do not offer refunds or exchanges on their cheapest train tickets.

How long does it take to get from Moscow to Elektrostal by train?

The journey between Moscow and Elektrostal by train is approximately 32.44 mi. It will take you more or less 2 hr 7 min to complete this journey. This average figure does not take into account any delays that might arise on your route in exceptional circumstances. If you are planning to make a connection or operating on a tight schedule, give yourself plenty of time. The distance between Moscow and Elektrostal is around 32.44 mi. Depending on the exact route and provider you travel with, your journey time can vary. On average, this journey will take approximately 2 hr 7 min. However, the fastest routes between Moscow and Elektrostal take 1 hr 3 min. If a fast journey is a priority for you when traveling, look out for express services that may get you there faster. Some flexibility may be necessary when booking. Often, these services only leave at particular times of day - or even on certain days of the week. You may also find a faster journey by taking an indirect route and connecting in another station along the way.

How many journeys from Moscow to Elektrostal are there every day?

On average, there are 71 daily departures from Moscow to Elektrostal. However, there may be more or less on different days. Providers' timetables can change on certain days of the week or public holidays, and many also vary at particular times of year. Some providers change their schedules during the summer season, for example. At very busy times, there may be up to departures each day. The providers that travel along this route include , and each operates according to their own specific schedules. As a traveler, you may prefer a direct journey, or you may not mind making changes and connections. If you have heavy suitcases, a direct journey could be best; otherwise, you might be able to save money and enjoy more flexibility by making a change along the way. Every day, there are an average of 18 departures from Moscow which travel directly to Elektrostal. There are 53 journeys with one change or more. Unfortunately, no connection was found for your trip from Moscow to Elektrostal. Selecting a new departure or arrival city, without dramatically changing your itinerary could help you find connections.

Book in advance and save

If you're looking for the best deal for your trip from Moscow to Elektrostal, booking train tickets in advance is a great way to save money, but keep in mind that advance tickets are usually not available until 3 months before your travel date.

Stay flexible with your travel time and explore off-peak journeys

Planning your trips around off-peak travel times not only means that you'll be able to avoid the crowds, but can also end up saving you money. Being flexible with your schedule and considering alternative routes or times will significantly impact the amount of money you spend on getting from Moscow to Elektrostal.

Always check special offers

Checking on the latest deals can help save a lot of money, making it worth taking the time to browse and compare prices. So make sure you get the best deal on your ticket and take advantage of special fares for children, youth and seniors as well as discounts for groups.

Unlock the potential of slower trains or connecting trains

If you're planning a trip with some flexible time, why not opt for the scenic route? Taking slower trains or connecting trains that make more stops may save you money on your ticket – definitely worth considering if it fits in your schedule.

Best time to book cheap train tickets from Moscow to Elektrostal

The cheapest Moscow - Elektrostal train tickets can be found for as low as $35.01 if you’re lucky, or $54.00 on average. The most expensive ticket can cost as much as $77.49.

Find the best day to travel to Elektrostal by train

When travelling to Elektrostal by train, if you want to avoid crowds you can check how frequently our customers are travelling in the next 30-days using the graph below. On average, the peak hours to travel are between 6:30am and 9am in the morning, or between 4pm and 7pm in the evening. Please keep this in mind when travelling to your point of departure as you may need some extra time to arrive, particularly in big cities!

Moscow to Elektrostal CO2 Emissions by Train

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Na Ulitse Yalagina 13B Apartments

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Elektrostal, visit elektrostal, check elektrostal hotel availability, popular places to visit.

• Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

• Cities near Elektrostal

• Places of interest
• Yuri Gagarin Cosmonaut Training Center
• Peter the Great Military Academy
• Central Museum of the Air Forces at Monino
• History of Russian Scarfs and Shawls Museum
• Balashikha Arena
• Balashikha Museum of History and Local Lore
• Bykovo Manor
• Pekhorka Park
• Ramenskii History and Art Museum
• Malenky Puppet Theater
• Drama Theatre BOOM
• Likino Dulevo Museum of Local Lore
• Noginsk Museum and Exhibition Center
• Pavlovsky Posad Museum of Art and History
• Saturn Stadium
• Fairy Tale Children's Model Puppet Theater
• Fifth House Gallery
• Church of Vladimir
• Malakhovka Museum of History and Culture
• Orekhovo Zuevsky City Exhibition Hall

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Please note prices are based on two persons sharing a twin/double room. Single room supplements may apply, please call check single availability/price.

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NEW CHRISTMAS TOUR 2024 - Bournemouth - Norfolk Royale Hotel - BROCHURE ADDITION . 2024 EUROPEAN HOLIDAYS - Early release - ITALY - Lake Garda / Alassio Click here to download our 2024 Brochure All Our Holidays Include In The Price: Free Door to Door Taxi ( Subject to Area ) ~ Luxury Coach Travel ~ Reserved Coach Seats . Personally Selected ...

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The journey from Moscow to Elektrostal by train is 32.44 mi and takes 2 hr 7 min. There are 71 connections per day, with the first departure at 12:15 AM and the last at 11:46 PM. It is possible to travel from Moscow to Elektrostal by train for as little as or as much as . The best price for this journey is . Journey Duration.

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Cities near Elektrostal. Places of interest. Pavlovskiy Posad Noginsk. Travel guide resource for your visit to Elektrostal. Discover the best of Elektrostal so you can plan your trip right.