How Much Does Travel Insurance Cost UK (2025)?
Travel insurance is an essential safeguard for UK residents planning trips abroad, providing financial protection against unexpected medical emergencies, trip cancellations, lost luggage, and other unforeseen events that could disrupt travel plans. It ensures peace of mind by covering costly incidents that may arise before or during a trip. However, the cost of travel insurance can vary significantly based on factors such as age, destination, trip duration, policy type, and the level of coverage chosen.
Average Cost of Medical Travel Insurance By Age
Age is one of the most significant factors influencing travel insurance costs. Generally, older travellers can expect to pay higher premiums due to increased health risks. Here’s a breakdown of estimated average costs for a two-week trip to Europe in 2025:
- 20-30 years old: £15-£25
- 31-50 years old: £20-£35
- 51-65 years old: £30-£50
- 66-75 years old: £50-£80
- 76+ years old: £80-£150+
It’s important to note that these figures are estimates and can vary depending on individual circumstances and the level of coverage chosen [1].
How Destination Impacts Travel Insurance Costs
The destination of your trip plays a crucial role in determining insurance costs. Countries with higher medical care costs or increased risk of natural disasters or political instability typically result in higher premiums. For example:
- Europe: Generally the cheapest due to proximity and reciprocal healthcare agreements
- USA and Canada: Often the most expensive due to high medical costs
- Australia and New Zealand: Moderate costs, but higher than Europe
- Asia and Africa: Varies widely depending on specific country and region
Insurers also consider factors such as local healthcare quality and accessibility when setting premiums for different destinations [2].
Other Factors That Influence Travel Insurance Prices
Several additional factors can impact the cost of your travel insurance:
- Duration of trip: Longer trips generally cost more to insure
- Type of coverage: Comprehensive policies with higher limits will be more expensive
- Pre-existing medical conditions: May increase premiums or require specialist coverage
- Activities: High-risk activities like skiing or scuba diving often require additional coverage
- Number of travellers: Family or group policies may offer better value than individual coverage
- Excess amount: Opting for a higher excess can lower your premium
It’s crucial to consider these factors when comparing policies to ensure you’re getting the most appropriate coverage for your needs [3].
How To Save On Travel Insurance In 2025
While travel insurance is an essential expense, there are ways to reduce costs without compromising on coverage:
• Compare quotes from multiple providers • Look for annual multi-trip policies if you travel frequently • Consider package deals that include travel insurance with your holiday booking • Check if you have existing coverage through your bank account or credit card • Opt for a higher excess to lower your premium, but ensure it’s still affordable if you need to claim • Book early, as some insurers offer early booking discounts
Remember, the cheapest option isn’t always the best. Focus on finding a policy that offers the right balance of coverage and affordability for your specific needs [4].
| Provider | Policy Type | Estimated Cost (2 weeks, Europe) |
|---|---|---|
| AXA | Single Trip | £20 - £40 |
| Aviva | Annual | £40 - £80 |
| LV= | Single Trip | £18 - £35 |
| Post Office | Single Trip | £15 - £30 |
| Staysure | Over 50s | £30 - £60 |
Prices, rates, or cost estimates mentioned in this article are based on the latest available information but may change over time. Independent research is advised before making financial decisions.
People Over 60 Looking For Affordable Medical Travel Insurance
For travellers over 60, finding affordable medical travel insurance can be challenging but not impossible. Many insurers now offer specialist policies for older travellers or those with pre-existing conditions. To find the best deals:
- Use comparison websites specialising in over-60s travel insurance
- Consider policies with higher excesses to reduce premiums
- Declare all pre-existing conditions accurately to avoid invalidating your policy
- Look for insurers that offer no upper age limit on their policies
- Consider cruise-specific policies if you’re planning a cruise holiday
By shopping around and carefully comparing policies, it’s possible to find comprehensive coverage at reasonable rates, even for older travellers [5].
In conclusion, the cost of travel insurance in the UK for 2025 will continue to vary based on numerous factors. By understanding these influences and shopping smartly, travellers can secure appropriate coverage at competitive prices, ensuring peace of mind for their journeys abroad.
Sources: [1]. Association of British Insurers - Travel Insurance Guide - https://www.abi.org.uk/products-and-issues/choosing-the-right-insurance/travel-insurance/ [2]. Money Advice Service - Travel Insurance - https://www.moneyadviceservice.org.uk/en/articles/do-you-need-travel-insurance [3]. Which? - Travel Insurance - https://www.which.co.uk/money/insurance/travel-insurance [4]. MoneySavingExpert - Cheap Travel Insurance - https://www.moneysavingexpert.com/insurance/cheap-travel-insurance/ [5]. Age UK - Travel Insurance - https://www.ageuk.org.uk/products/insurance/travel-insurance/
The shared information of this article is up-to-date as of the publishing date. For more up-to-date information, please conduct your own research.
