# How do I compare travel insurance in the UK?

> Quick answer · Last updated 5 July 2026

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## In short

Compare on medical limits, repatriation, cancellation cover, excess and honest pre-existing condition declarations — not premium alone. Single-trip suits one holiday; annual multi-trip works if you travel twice or more per year.

Medical and repatriation limits matter most — £2 million minimum is typical for Europe, £5 million+ for USA trips.

Declare all pre-existing conditions through the insurer screening. Non-disclosure can void the entire policy.

Match cancellation limits to your non-refundable spend — flights, hotels and excursions combined.

See our compare travel insurance guide and travel insurance essentials.

## Related

- [Compare travel insurance](https://moneyguide.org.uk/insurance/compare-travel-insurance-guide/)
- [Travel insurance essentials](https://moneyguide.org.uk/insurance/travel-insurance-essentials/)

## Primary source

gov.uk/guidance/foreign-travel-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.