Health
Nobody buys travel insurance for the paperwork — they buy it for the moment a flight is cancelled, a bag goes missing or a child spikes a fever two time zones from home. A good policy stays invisible until that moment, then solves the problem in one phone call.
The four covers that matter
Emergency medical cover comes first, with limits high enough for the country you are visiting. Then trip cancellation and curtailment, baggage delay and loss, and scheduled airline failure. Check excesses per section, not just the headline price — a cheap policy with a £250 excess per claim is rarely cheap.
Using it without the headache
Save the 24/7 assistance number in your phone before you fly. For medical emergencies, call the assistance team first and they direct you to the right hospital and guarantee payment. For delays and lost bags, keep boarding passes and receipts — photos on your phone are enough — and most claims settle within ten days.
- Medical limits matched to your destination.
- Cancellation cover from the day you book, not the day you fly.
- One assistance number, answered around the clock.
- Annual multi-trip options for frequent flyers.
Flying soon? Annual cover often costs less than three single trips.
