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Admiral travel insurance – coverage for your next trip.

Imagine this, you’ve been saving up for months to take that dream vacation. You’ve got everything covered, from flights to accommodations, and you can’t wait to finally escape life for a little while. But what if your flight gets delayed or, worse, cancelled? What if you get sick or injured, or your luggage gets lost or stolen?

While we don’t like to think about the possibility of something going wrong, the truth is that travelling to a foreign land can be unpredictable. That’s where Admiral Travel Insurance comes in. With a variety of comprehensive coverage options, Admiral Travel Insurance can provide you with the financial security you might require while vacationing.

Join us in this blog as we take a closer look at Admiral Travel Insurance and how you can benefit from it.

What is Admiral Travel Insurance?

Admiral Travel Insurance is a UK-based insurance provider that offers travel insurance for both domestic and international trips. With 30 years in the business, the company provides affordable and reliable travel insurance coverage to customers. Admiral Travel Insurance is underwritten by Great Lakes Insurance SE, and it is regulated by the Financial Conduct Authority (FCA). The company is committed to providing affordable travel insurance coverage that meets the diverse needs of travellers.

Types of Covers Offered by Admiral Travel Insurance

Admiral Travel Insurance offers a range of travel insurance covers to suit the different needs and budgets of their customers. 

Single Trip Travel Insurance

This cover is ideal for travellers taking a one-off trip. It provides comprehensive protection for unexpected events, including medical emergencies, trip cancellations, and lost or stolen baggage.

Annual Multi-Trip Travel Insurance

This cover is suitable for travellers who take multiple trips throughout the year. It provides the same comprehensive protection as the single trip cover, but for multiple trips, potentially saving you money on premiums.

Backpacker Travel Insurance

Folks who travel for an extended period, typically for more than three months, will hugely benefit from this cover. This plan provides coverage for medical emergencies, personal liability, and other unexpected events that can occur while backpacking.

Cruise Travel Insurance

This cover is ideal for travellers going on a cruise holiday. It provides coverage for medical emergencies, trip cancellations, and other events specific to cruise travel, such as missed port departures and cabin confinement.

Winter Sports Travel Insurance

This cover is designed for travellers who plan to go skiing or snowboarding. It provides coverage for medical emergencies, equipment loss or damage, and other unexpected events that can occur while engaging in winter sports.

Business Travel Insurance

This cover is suitable for business travellers who require protection against unexpected events that can occur while travelling for work, such as trip cancellations, lost or stolen baggage, and personal liability.

Read More: Travel Insurance with COVID Cover

Benefits of buying the Admiral Travel Insurance 

There are several benefits to purchasing Admiral Travel Insurance for your next trip:

Flexible policy options & comprehensive coverage

The company offers a range of policy options and comprehensive coverage to suit different types of travellers, from single-trip cover to annual multi-trip cover, backpacker cover, cruise cover, winter sports cover, and more. This flexibility allows you to choose a policy that meets your needs and budget.

24/7 emergency assistance

24/7 emergency assistance is provided to policyholders who need help while travelling. This assistance includes access to medical assistance, travel advice, and more. Their team of experienced and friendly staff are available to answer any questions you may have about your policy or the claims process.

Easy claims process

Admiral Travel Insurance has a simple and straightforward claims process: online or over the phone. This makes it easy to file a claim if you experience an unexpected event while travelling. 

Optional covers

The company offers a range of optional covers that can be added to any policy, such as hazardous activity cover, gadget cover, and cruise plus cover. These covers provide additional protection for specific events or activities, giving you added peace of mind while travelling.

Also, Read: Tesco Travel Insurance

Admiral Travel Insurance Reviews 

Admiral Travel Insurance has received mixed reviews from customers. Most customers have praised the company for its comprehensive coverage, affordable premiums, and excellent customer service.

However, some customers report difficulties in getting claims approved or receiving payment, while others have found that certain events may not be covered by their policy. Additionally, some even have reported confusion over policy exclusions due to unclear explanations. Overall, while Admiral Travel Insurance has its strengths, it’s important for potential customers to do their research and understand the details of their policy to ensure it meets their needs.

Admiral Travel Insurance Login 

Admiral Travel Insurance offers an easy-to-use online portal where customers can log in to manage their policies, view policy documents, and make payments. Here’s how you can create an account on the Admiral website:

• In the top right corner, click on the “My Account” tab and then the “Register” button, followed by filling out the required information.
• You will receive an email from Admiral confirming your registration. Through the link provided, activate your account. 
• Once done, go back to the “My Account” tab on the Admiral website and enter your email address and password in the login form. 

That’s it! You will now be able to access your policy details and manage your account online. In case you want to know how to cancel Admiral Travel Insurance, contact Admiral customer service for assistance.

Admiral Travel Insurance is a reliable and affordable travel insurance provider. If you’re planning a trip and want the peace of mind that comes with knowing that you’re covered for unexpected events, consider purchasing travel insurance from Admiral Travel Insurance. With their wide range of coverage options and excellent customer service, you can travel with confidence, knowing that you’re protected no matter what happens. For more updates on travel insurance, visit Tripcolumn . 

What is the maximum trip length covered by Admiral Travel Insurance?

Admiral Travel Insurance provides coverage for trips up to 365 days in duration. This means that you can take extended trips without having to worry about your coverage expiration.

How do I cancel my Admiral Travel Insurance policy?

To cancel your Admiral travel insurance policy, follow the steps below: 

• Call the Admiral customer service number.
• Explain why you want to cancel your policy and share relevant details like your policy number and personal information.
• Answer any questions that the support team has and get your cancellation confirmation along with any refunds to be received.

What happens if I need medical assistance while travelling?

If you require medical assistance while travelling, you should contact the emergency assistance team provided by Admiral Travel Insurance. They are available 24/7 and can help you find medical assistance, provide advice on your situation, and arrange for any necessary medical transportation or repatriation. Do carry your policy documents with you at all times, as they will contain important contact information and details about your coverage.

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Adventure travel insurance for extreme sports & hazardous activities

What is ‘adventure’ or ‘extreme sports’ travel insurance.

Normally travel insurance will cover you for any injury or illness that happens as a result of the activity. Some may also include cover for sports equipment, or public liability if you were to damage any people or property whilst taking part.

At InsureandGo we think travel insurance should be available to as many people as possible, even people who want to jump out of a plane, swim with sharks, or do all sorts of other extreme activities on their holidays. So, we offer specific hazardous activities cover as a policy add-on for those wanting a little bit more than our standard insurance, which by the way already  covers over 100 amazing sports and activities !

What sports or activities are included?

All of our travel insurance policies include automatic cover for over 100 sports and activities, so you might find you’re covered already with us. But if not, check below for some of the other, more extreme activities we cover:

Take a look in our  policy documents  for a full list of the hazardous activities we cover from A to Z, along with their related medical excesses. If you still can’t find what you’re looking for – just  contact us  to find out if we can help you!

What else are you covered for with adventure travel insurance?

In addition to providing  travel insurance for over 100 activities , including a fabulous selection of  watersports cover , all our travel insurance policies include a range of benefits, such as:

• Holiday cancellation cover
• Belongings and baggage cover
• Medical and hospital expenses cover
• Passport, money and documents cover
• Delayed departure cover
• Accommodation cover

Choose the right travel insurance policy for you;  get a quote online  or  get in touch  with us for more information.

Which policies can I add adventure travel insurance to?

Any of them! The add on can be added whatever your destination – whether you’re staying in the UK, need European cover, or even Australia travel insurance.

The cover can also be added to annual multi-trip travel insurance !

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Best Travel Insurance for Winter, Adventure, and Extreme Sports

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Why Get Adventure Sports Travel Insurance?

Travel insurance often excludes high-risk sports, credit card travel insurance often excludes high-risk activities, travel insurance for high-risk sports, how to get travel insurance for high-risk sports, what sports travel insurance costs, how to choose travel insurance for high-risk sports, the best sports travel insurance plans, final thoughts.

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Planning an adventurous trip? Your travel insurance might not cover everything you want to do — particularly if you plan on adventure activities or winter or extreme sports. 

Whether diving the ocean’s depths or ziplining through a forest, sports travel insurance can help you go confidently on adventures knowing you’re covered if anything goes wrong. Whether you need emergency assistance and evacuation or a reimbursement for a trip cut short by injury, travel insurance with sports coverage can help.

While standard travel insurance typically offers medical coverage, most policies exclude certain activities, particularly risky sports. But you can purchase a travel insurance policy that provides coverage for all your adventures , either as a stand-alone policy or an add-on to a comprehensive travel insurance package.

Let’s explore everything you need to know about travel insurance for sports and adventure activities and how to get that coverage for any high-risk activities you may plan for your travels.

Adventure sports travel insurance covers activities such as mountain climbing or deep-sea scuba diving (i.e. any activity that has a higher risk level than a “regular” travel activity).

While accidents can happen anywhere, you’re particularly vulnerable when away from home. Medical expenses and evacuation can be costly , especially if traveling to remote areas or a foreign country where you’re unsure about quality medical care. Sports travel insurance covers emergency medical expenses, ambulance services, and evacuation.

Some travel insurance companies offer emergency assistance services , which can help you get the medical care you need in a remote location or challenging environment. The travel insurance company can provide access to medical professionals, coordinate your care, and arrange an emergency evacuation if needed.

For example, if you’re climbing a mountain and break a leg, adventure sports travel insurance can help get you off the mountain and connected with medical care.

Adventure sports travel insurance can also help if a sports-related injury requires you to cancel or interrupt your trip or if you experience equipment loss or damage. That can save you money on non-refundable expenses and help you replace sports equipment.

While getting travel insurance is wise, you should understand that standard travel insurance policies may not include coverage for certain sports activities . Some travel insurance plans offer coverage for sports-related injuries and accidents, but others may have exclusions or limitations for high-risk or extreme sports.

When you purchase a travel insurance policy, review the terms and conditions to know which sports and activities are covered and any exclusions or limitations you may need to work with. Usually, travel insurance medical coverage encompasses unexpected accidents or injuries, which can include some sports like hiking or snorkeling, for example. But extreme or high-risk sports such as white water rafting or skydiving may not be included.

Exclusions depend on the insurance policy, but here are some examples of sports and activities that your standard travel insurance policy may not cover:

• Base jumping
• Bungee jumping
• Martial arts and combat sports
• Motor racing and motorsports
• Mountaineering and rock climbing
• Off-piste skiing and snowboarding
• Paragliding and hang gliding
• Scuba diving and deep-sea diving

If you find your travel policy lacking in coverage for the activities you’ve planned, you should consider getting additional coverage, such as a specialized sports travel insurance policy or add-on coverage.

Don’t expect your credit card travel insurance to cover extreme sports. 

While you should read the terms and conditions of the policy, most credit card travel insurance policies exclude risky activities , which extends to sports considered extreme. 

Credit card travel insurance often covers basic medical expenses, trip cancellation or interruption, lost baggage, and travel accidents. For example, the Chase Sapphire Reserve ® has premium travel insurance, offering up to $1 million in travel accident insurance, along with emergency evacuation and transportation insurance, emergency medical and dental benefits, and other travel insurance benefits.

If you plan to do high-risk activities and use credit card travel insurance, check your coverage and consider upgrading your travel insurance to include your desired activities.

Credit card travel insurance is helpful but sometimes limited, especially compared to adventure sports travel insurance policies. You may need to pay for travel insurance if you’re planning extreme sports or activities.

As you plan an adventurous trip, consider which travel insurance coverage may be most appropriate for your plans. Some travel insurance policies are comprehensive and cover multiple types of high-risk sports, while others are more specialized. 

Because there’s a wide variety of what’s covered (or not) on each policy, using a travel insurance comparison service such as Squaremouth can be helpful. You can search for travel insurance policies that cover the activities you’re looking for and compare costs and coverage.

Consider these types of adventure travel insurance policies or add-ons:

• Adventure Sports: On an adventure sports travel insurance policy, look for covered activities such as hiking, mountaineering, or rafting. The policy may encompass injuries, medical expenses, trip cancellations or interruptions, and equipment loss or damage.
• Extreme Sports: Travel insurance for extreme sports typically covers skydiving, bungee jumping, or rock climbing, providing coverage for accidents, injuries, medical expenses, and emergency evacuation.
• Sports Equipment: Some travel insurance offers coverage for sports equipment, which can reimburse you for loss, theft, or damage to your gear.
• Team Sports: A travel insurance policy may cover team-related expenses, such as tournament cancellations or travel delays if you travel for competitive events.
• Water Sports: Water sports travel insurance policies may cover surfing, diving, snorkeling, or water skiing. For diving coverage, you should verify that the policy covers the depths you’re planning and whether you need certifications for coverage.
• Winter Sports: Winter sports travel insurance policies are designed for winter sports enthusiasts, offering coverage for skiing or snowboarding-related injuries and emergency medical expenses or equipment loss or damage. Some also cover ski resort closures.

While you can get travel insurance for sports, including high-risk sports, most travel insurance companies have personal liability requirements . Generally, you’re required to act responsibly to use your coverage. That includes not going against local authority warnings, like entering restricted spaces, working close to dangerous animals, or not using proper safety equipment.

Do some pre-trip planning on your chosen activities to learn about the risks and requirements for everything you want to do. You may need to complete certifications or training to participate safely.

Generally, if you want travel insurance for adventurous activities, you should get quotes for a comprehensive travel insurance plan and add a hazardous sports rider. Or specialized insurance providers may offer comprehensive plans for high-risk sports and activities.

Looking for insurance companies specializing in adventure sports is often a good idea to get comprehensive coverage for all your planned activities. 

With any travel insurance policy, you should review the terms and conditions to verify your planned activities are covered. Read your policy documents for exclusions, limitations, or requirements for your chosen activities. You should also verify your coverage limits. 

If you have a health or life insurance policy, check with your insurance carrier about coverage for high-risk sports during travel. While these are likely not covered, you may be able to add a special endorsement to your policy.

Travel insurance that can evacuate you off a mountain sounds like it would be costly, but it might be more affordable than you’d think. It’s certainly less expensive than calling for your own rescue helicopter.

You should expect to pay around 5% to 10% of your total trip cost for sports travel insurance. Your actual adventure sports travel insurance costs will vary depending on your age, trip cost and duration, location, planned activities, and other factors. 

To give you an idea of what you should expect, we got a quote from IMG for an iTravelInsured Travel Sport policy. For a 29-year-old traveler on a $1,500 5-day skiing trip in the U.S., coverage costs $119.65 . 

This policy includes $1 million in medical evacuation coverage and $50,000 in search and rescue coverage. You’re covered for up to $50,000 for medical expenses due to adventure or organized sports, though hazardous and extreme sports are limited to $5,000.

Consider these factors as you compare high-risk sports travel insurance coverage:

• Claims Process and Customer Support: Get the details on what happens if you need emergency assistance or want to file a claim. For example, find out how to get medical attention if injured in a remote area and whether you’re expected to pay upfront and file for reimbursement.
• Cost: Expect adventure travel insurance to cost more than standard travel insurance. Cheaper policies tend to offer less comprehensive coverage, so consider your needs as you balance cost and coverage.
• Duration: Some sports travel insurance policies limit the length of coverage for certain activities, so make sure you have coverage for your whole trip.
• Emergency Assistance and Evacuation: You may engage in high-risk activities in remote locations or challenging environments where medical attention is unavailable immediately. A travel insurance policy can offer emergency assistance or evacuation for medical care.
• Exclusions, Limitations, and Deductibles: Every policy has limits — even extreme policies. Find out what’s excluded, the limits of what you can claim, and if you’re expected to pay a deductible before getting reimbursed. Also, understand the terms and conditions, such as duration and geographical coverage.
• Medical Coverage: With a greater risk of injuries from extreme sports, you should ensure that the insurance policy has adequate coverage for medical emergencies, including hospitalization, ambulance services, and, if needed, medical evacuation.
• Requirements: You may need to meet age limits and disclose any preexisting medical conditions to get appropriate sports travel insurance coverage.
• Reviews: Consider customer reviews and ratings, which can give insight into a travel insurance provider’s coverage quality, customer service, and claims handling.
• Sports Coverage: Find out which sports and activities are covered so you can verify yours are covered.
• Sports Equipment Coverage: If you’re traveling with costly sports equipment such as scuba gear or snowboarding equipment, compare coverage for loss, theft, or damage to your equipment.
• Trip Cancellation and Interruption: A travel insurance policy should cover trip cancellation or interruption due to sports-related injuries.

Your high-risk sports travel insurance may require you to participate responsibly. For example, terms of coverage may require you to choose reputable operators, obtain proper training or certifications, follow local regulations, and use appropriate safety gear.

Not all travel insurance providers offer sports travel insurance, but you have options. Compare these leading travel insurance policies for sports:

• battleface : battleface’s adventure sports coverage includes cycling, mountain climbing, scuba diving, canoeing, snowboarding, and more, but it has limitations, including how deep you can dive or how high you can climb.
• Cat 70 : Cat 70’s Travel Plan covers some adventure sports, including snowboarding, but excludes bodily contact sports, skydiving, scuba diving, and more.
• HTH Worldwide : The HTH Worldwide Trip Protector Preferred plan offers coverage for adventure sports, including certified divers up to 60 feet and water rafting grades 1 to 3.
• IMG : IMG’s iTravelInsured Travel Sport plan has a wide range of covered activities, including adventure, extreme, hazardous, and organized sports. However, there are exclusions for races, endurance competitions, and piloting or learning to pilot.
• John Hancock : You’re covered for some — but not all — adventure sports with a John Hancock Gold travel insurance plan. Some exclusions include diving deeper than 100 feet, participating in sports competitions, or contact sports.
• Nationwide : With a Prime plan, you can get covered for adventure sports such as cycling, fishing, rafting, and zip lining, but exclusions apply, such as extreme sports, mountaineering, and organized sports.
• Travelex : The Travelex Adventure Sports upgrade covers professional athletic events, mountain climbing, skydiving, and more. Travelex’s Travel Basic and Travel Select plans provide basic coverage for some activities, including skiing, snorkeling, and scuba diving up to 60 feet.
• World Nomads : With the World Nomads Explorer plan, you can get covered for more than 200 activities, including scuba diving, bungee jumping, and mountain biking.

The right travel insurance coverage is essential when embarking on an adventurous trip with high-risk sports or activities. Adventure sports travel insurance can coordinate medical care, offer evacuation, and save you thousands if you’re injured on a trip. Whether bungee jumping or scuba diving, sports travel insurance can provide peace of mind while you’re chasing thrills.

Frequently Asked Questions

Are adventure sports covered by travel insurance.

Adventure sports can be covered by travel insurance, but extreme sports are usually excluded from standard travel insurance coverage. Review your policy’s terms and conditions to determine whether your desired activities are covered. If not, you may want to purchase additional coverage appropriate for the activities you’re planning for your travel.

Does travel insurance cover water sports?

Travel insurance coverage for water sports varies depending on the policy and provider. For example, your standard policy may cover snorkeling, shallow diving, and surfing but could exclude deep-sea diving or white water rafting.

Does travel insurance cover sports injuries?

Travel insurance often covers sports injuries, but it depends on the sport. If you’re injured doing a sport not covered by your policy — such as ziplining or skydiving — medical care for your sports injury will not be covered. 

What travel insurance includes cover for sports equipment?

Sports travel insurance typically offers coverage for sports equipment, which can reimburse you for loss, theft, or damage of your sports equipment while traveling.

What travel insurance company covers me for extreme sports?

Several travel insurance companies cover extreme sports, including battleface, Cat 70, HTH Worldwide, IMG, John Hancock, Nationwide , Travelex, and World Nomads.

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About Jessica Merritt

A long-time points and miles student, Jessica is the former Personal Finance Managing Editor at U.S. News and World Report and is passionate about helping consumers fund their travels for as little cash as possible.

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Sports and Hazardous Activity Travel Insurance

If you’re planning on taking part in any sports or activities as part of your holiday it is important to understand whether it is covered on your Travel Insurance policy before you do. This is because if you were to have an accident whilst partaking in a sport or activity that is not covered on policy then your claim for medical expenses could be declined, leaving you out of pocket.

Fortunately, Voyager Plus Travel Insurance provides cover for over 100 sports and activities, such as water skiing, jet skiing, volleyball or kayaking (grades 1-3 rivers/sea), on Short Stay, Long Stay and Annual Multi-Trip Travel Insurance policies without charging an additional premium.

For the more daring of travellers that like to push the boundaries or try new things when on holiday, you have the option to extend your travel insurance policy to include additional hazardous or extreme sports and activities by adding our “Action” or “Action Plus” Activities cover on the ‘Your Quote’ section when getting a quote.

For more information on what sports and activities are covered as standard on Voyager Plus Travel Insurance policies please see the policy wording .

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What is Covered on Action or Action Plus Activities Cover?

In addition to the 100+ activities covered as standard on Voyager Plus Travel Insurance policies, the following activities can also be covered on an amateur basis by adding the “Action” or “Action Plus” option when getting a quote.

Please note – activities marked W/S will also require payment of the appropriate winter sports premium.

* no cover available for scuba diving in Cyprus.

“Action” Optional Level of Sports & Activity Cover:

Bungee jumping (more than 3 jumps), Canoeing (grade 4 and over), Cycling (including event training), Flying (piloting of light aircraft as PPL holder),  Football (amateur competition/tour), Glacier walking (2000-4000m, W/S), Gliding (as pilot with necessary licence), Gymnastics, Kayaking (grade 4 and over), Marathon running (not exceeding Olympic distance), Rafting (grade 4 and over), *Scuba diving (maximum depth 30m), Skateboarding (demonstration or competitive), White water canoeing/rafting (grade 4 and over).

“Action Plus” Optional Level of Sports & Activity Cover:

American football, Bouldering (with crash pad, maximum height 7m), Canyoning, Cat skiing (with a qualified local guide, W/S), Cycling (including competition but not BMX or stunting), Flying (piloting of light aircraft under instruction), Gaelic football, Gliding (as pilot under instruction), Heli skiing (with a qualified local guide, W/S), Horse riding (including jumping but not racing/hunting), Hurling, Ice hockey (W/S), Judo (training only), Karate (training only), Kendo (training only), Kick boxing (training only), Martial arts (training only, excluding mixed martial arts), Motorcycling (on road, provided you hold an appropriate full licence and are wearing a helmet. Max 62 consecutive days in respect of touring trips provided cover is extended appropriately), Off-road Motorcycling (cover for guided off-road trips only. Max 7 consecutive days, provided you hold an appropriate full licence and are wearing a helmet. No cover for racing or competing),  Polo (elephant or horse), Rugby union & league, Sailing (more than 60 miles from a safe haven), *Scuba diving (maximum depth 40m), Triathlon (not exceeding Olympic distance).

Please note – whilst participating in any of the activities listed under “Action” or “Action Plus” as above, there will be no cover for Personal Accident or Personal Liability and the policy Excess for Emergency Medical Expenses will be increased to £/€200 with any Excess waiver no longer applying.

How Do I Get a Quote for Hazardous Sports & Hazardous Activities Travel Insurance?

It is quick and easy to get a quote for hazardous sports & hazardous activities Travel Insurance. Simply click the get a quote button and select the “Action” or “Action Plus” option, depending on what activities you want cover for, on the 'Your Quote' page when getting a quote to add it to your policy.

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Last-minute travel insurance

Article contents.

Tegan Oldfield

25 May 2023 | Updated 20 October 2023 | 5 minute read

Without travel insurance you could be left out of pocket if anything unfortunate happens on holiday, like your belongings being stolen or needing urgent medical care. So we recommend buying a policy, even if you leave it until the last minute.

When’s the best time to buy travel insurance?

Ideally, the best time to buy travel insurance is when you book your holiday.  You need to do it well ahead of time if:

• you or anyone on the policy has a pre-existing health condition to disclose – if your condition isn’t listed, you might need to call us to discuss your cover. Read our guide on travelling with a pre-existing condition .
• you intend on doing any hazardous activities (like bungee jumping or paragliding) while abroad – again, you’ll need to speak to us ahead of time to see if we can cover it if they're not listed in the policy book. You might need to pay an extra premium.

Booking your travel insurance ahead of time means you’ll be covered for any delays or cancellations.

Without it, you couldn’t claim compensation for cancelled accommodation, flights or any booked excursions.

While it’s best to try and book early, you can buy travel insurance with us the same day you leave for your trip if needed.

When is it too late?

You can buy a travel insurance policy even when you’re at the airport about to board the plane.

Most insurers, including us, offer travel insurance policies until you have gone through customs at the airport. 

We can’t provide post-departure policies – once you’ve entered the country or are halfway through your trip.

This means you’d still be covered for the important stuff like medical care, repatriation and lost baggage , but a last-minute policy doesn’t usually include cancellation cover.

Read our guide on holiday cancellation cover . 

When will my cover start?

Your cover usually starts the day you buy your policy or leave for your trip. This might be the same day.

With same-day travel insurance , there could be a delay of 24 hours before your policy begins, and you’d be able to claim if you needed to. 

Can I use my GHIC/EHIC card?

A Global Health Insurance Card (GHIC) or the old European Health Insurance Card (EHIC) are good to have when travelling anywhere in Europe but are not stand-ins for travel insurance.

You still need a travel insurance policy to be fully covered for emergency or non-emergency medical treatment and other incidents like theft of belongings or lost baggage.

The GHIC/EHIC is also not valid if you travel to any country outside of Europe. 

Read our guide on the GHIC/EHIC card . 

Annual travel insurance

We recommend getting annual insurance if you travel frequently or just have two or more trips booked this year. 

Annual insurance covers you for every holiday you take in a year up to 31 days at a time. 

This means that once you’ve bought your policy, you won’t have any last-minute panics for a year at least.

It also means you’ll have full cancellation cover for the year if you have to cancel or delay a trip for any reason.  

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