Top 5 Travel Insurance Options for UK Travellers in 2025

Top 5 Travel Insurance Options for UK Travellers in 2025

Planning a trip abroad from the UK in 2025? Whether it's a summer holiday in Spain, a ski trip to the Alps, or a long-haul journey to Australia, travel insurance is essential. Even short getaways can turn costly with delays, lost luggage, or unexpected medical bills.

Here are five highly rated travel insurance options for UK residents in 2025, chosen based on value, coverage, and real customer feedback.

1. Staysure – Best for Over 50s

Staysure is a trusted name among British travellers, especially older adults. They offer comprehensive plans with optional COVID-19 cover, cruise add-ons, and pre-existing medical conditions.

Suggested searches:

  • Staysure travel insurance reviews UK

  • Best travel insurance for over 50s UK

2. Aviva – Strong All-Round Cover

Aviva offers solid coverage for most UK holidaymakers. Their policies include medical emergencies, cancellations, and 24/7 emergency assistance. Ideal for families and couples taking European or worldwide trips.

Suggested searches:

  • Aviva travel insurance policy 2025

  • Aviva vs Staysure comparison

3. AXA UK – Great for Multi-Trip Cover

AXA’s multi-trip annual policies offer excellent value for frequent travellers. Their coverage includes emergency medical up to £10 million, trip cancellations, and lost luggage.

Best for those doing multiple holidays or business trips in one year.

Suggested searches:

  • AXA annual travel insurance UK

  • Multi-trip travel insurance comparison UK

4. Post Office Travel Insurance – Reliable Budget Choice

Backed by a well-known UK brand, Post Office Travel Insurance offers flexible plans for short and long trips. Their standard policy includes medical cover, cancellations, and baggage loss at affordable prices.

Suggested searches:

  • Post Office travel insurance quote UK

  • Cheapest UK travel insurance 2025

5. InsureandGo – Best for Adventure & Younger Travellers

InsureandGo is popular with younger UK travellers and backpackers. Their policies often include adventure sports like skiing, hiking, and scuba diving by default.

They also offer no upper age limit on some plans, making them versatile.

Suggested searches:

  • InsureandGo backpacker policy UK

  • Travel insurance with sports cover UK

Quick Guide: What UK Travellers Should Look For

  • Medical cover: At least £1 million (preferably £5M–£10M) for international trips

  • Trip cancellation: Cover should match your prepaid expenses

  • COVID-19: Still important for cancellations or quarantines

  • Adventure sports: Make sure your policy includes or offers add-ons

  • Cruises or gadgets? Check if extras are needed

Travel Insurance by Age in the UK

18–25

Cheaper premiums, but watch for exclusions on high-risk activities or tech items.

25–44

Best value age group—shop around for the strongest deals and perks.

45–64

Slightly higher premiums, but good coverage options still available.

65 and over

Some providers restrict coverage or require medical checks. Staysure and InsureandGo are good options to explore.

Regardless of age, comparing UK travel insurance policies can protect your trip and your wallet.

Conclusion

For UK residents heading abroad in 2025, travel insurance isn’t optional—it’s essential. The right policy can help you deal with the impact of medical expenses, delays, and trip interruptions.

Take time to compare plans and providers before you fly. It’s the smartest five minutes you’ll spend.

Useful comparison searches:

  • Compare Aviva and Staysure travel insurance

  • Best travel insurance UK for long trips 2025

  • What doesn’t UK travel insurance cover?

FAQs

Q: Do UK citizens need travel insurance for Europe post-Brexit?

A: Yes. The EHIC/GHIC offers limited medical coverage, but doesn’t cover cancellations, repatriation, or lost items.

Q: Are pre-existing conditions covered?

A: Some insurers like Staysure do cover them—if declared in advance. Always read the policy carefully.

Q: Does travel insurance cover missed flights or delays?

A: Most policies offer compensation for significant delays or missed connections due to insured events.

Q: Are adventure sports included?

A: Often not by default. Check if you need to add ski, scuba, or hiking cover.

Q: Do medical conditions affect visa applications for older UK travellers going abroad?

A: Yes, some countries may require health checks for older applicants. Serious or unmanaged medical conditions could affect visa approval, especially for long stays or retirement visas.

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