Do I Need Travel Insurance?

What is Travel Insurance?

Travel insurance is a policy that provides financial protection for a range of unexpected events while you’re travelling. This includes medical expenses, trip cancellations, delays, lost or stolen belongings, and even legal support if needed. Policies can be tailored to suit the type of trip you’re taking—whether it’s a single short break, an annual multi-trip cover, or even specialised protection for winter sports or cruises.

It’s important to remember that, unlike in the UK where the NHS covers your healthcare, you are not automatically entitled to free medical treatment abroad. Travel insurance fills this gap, potentially saving you thousands of pounds in unforeseen costs.

Do I Have to Get Travel Insurance?

In most cases, travel insurance is not legally required. You won’t be stopped at the airport or denied boarding without it. However, there are exceptions. Certain countries, such as Cuba, Iran and the United Arab Emirates, require proof of insurance for entry. Some visa applications may also need evidence of medical cover.

Even if it’s not a legal requirement, many tour operators and airlines strongly recommend travel insurance—and some package holidays include it or make it a mandatory purchase.

What Does Travel Insurance Cover?

Here are the main areas a standard policy typically includes:

• Medical Cover: Arguably the most important feature. If you fall ill or are injured abroad, travel insurance will usually cover treatment costs, hospital stays, and sometimes medical repatriation to the UK. A simple accident could cost tens of thousands in places like the USA or Caribbean.
• Trip Cancellation or Curtailment: If you have to cancel your trip due to illness, family emergency, or another unexpected situation, insurance can reimburse your non-refundable costs.
• Lost, Stolen or Damaged Baggage: This includes suitcases, personal items, and travel documents. You’ll usually need proof (like a police report) to make a successful claim.
• Travel Delays and Missed Departures: If your flight is delayed or you miss a connection due to circumstances beyond your control, your policy may compensate you for the inconvenience or additional accommodation costs.
• Personal Liability: In the rare event that you injure someone else or damage property abroad, insurance can cover the legal costs and any compensation you’re liable to pay.

Are There Things It Doesn’t Cover?

Yes—travel insurance isn’t a catch-all safety net. Most policies will not cover:

• Pre-existing medical conditions , unless disclosed and accepted by the insurer (often for an additional fee)
• Risky or extreme sports , like skydiving or scuba diving, unless added as an extra
• Being under the influence of alcohol or drugs at the time of a claim
• Travelling against government advice , such as during a red travel alert

Always read the small print. It might be boring, but it ensures you know exactly what is and isn’t covered.

Is It Worth the Money?

Many travellers in the UK see travel insurance as an optional extra—but when you compare the relatively small cost of a policy (often under £20 for a week in Europe) with the potential expenses of an emergency, it becomes clear why it’s a sensible investment.

Here are a few real-world examples:

• A hospital stay in the US can easily run into tens of thousands of pounds.
• Repatriation from Australia following an accident can exceed £50,000.
• Replacing lost luggage on a long-haul holiday can cost hundreds—plus the hassle of replacing passports and visas.

Even a cancelled trip due to illness could leave you out of pocket by hundreds or more if you haven't taken out protection.

Can’t I Just Use My EHIC/GHIC Card in Europe?

The European Health Insurance Card (EHIC) and its replacement, the Global Health Insurance Card (GHIC), entitle UK citizens to the same level of medical care as locals in EU countries. However, they do not cover private medical treatment, repatriation to the UK, or non-medical incidents such as trip cancellations or lost belongings. Travel insurance complements the GHIC, not replaces it.

How to Choose the Right Policy

Not all travel insurance policies are created equal. When choosing yours, consider:

• Destination: Some areas have higher medical costs than others.
• Length of trip: Annual policies may be better value if you travel often.
• Activities: Are you skiing, hiking, or taking part in water sports?
• Age and health: Older travellers or those with pre-existing conditions may need specialist cover.
• Value of possessions: Make sure your baggage limit is appropriate for your belongings.

Comparison websites can help you find the best deal—but don’t just go for the cheapest. Look at the cover limits, excess fees, and customer reviews.

What If I’m Travelling in the UK?

Many people don’t realise you can also get travel insurance for UK-based holidays. If you’re staying in a hotel or holiday park, insurance can cover cancellations, lost items, or even travel disruptions due to weather or strikes. It’s particularly useful for expensive or prepaid bookings.

Conclusion

Travel insurance might not be legally required, but it’s one of the smartest decisions you can make before heading off on holiday. From minor mishaps to major emergencies, it gives you financial protection and peace of mind when you need it most. Whether you're exploring the cobbled streets of Rome, relaxing on a Caribbean beach, or hiking in the Highlands, having the right cover ensures you can travel with confidence. In a world where the unexpected happens more often than we’d like, travel insurance isn’t a luxury—it’s a necessity. Don’t leave home without it.