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Travel Insurance from Holiday Extras
Alongside our trusted, reliable and comprehensive cover from only *, Holiday Extras are also specialists for medical travel insurance.
If you have a serious medical condition (or multiple conditions) our compassionate and understanding team will work with you to find you a policy that meets your requirements.
With over 99% of common conditions covered, we are proud that our specialist medical cover meets the stringent requirements for inclusion on the Money Advice Service (MAS) travel insurance directory.
Our flexible policies, with 4 different levels of cover give you exactly what you need; quick, essential cover for a light trip or extensive insurance for multiple journeys. We have the right level for you.
What is travel insurance?
To put it simply: travel insurance or 'holiday insurance' is a precaution. When going on holiday you invest money in your trip: from transport, parking, accommodation and luggage — not to mention your health too.
When you book a travel insurance policy, you're buying security. If anything should go wrong before your holiday, while travelling or when you're away, you can relax knowing that Holiday Extras has you covered against insurable, unforeseen incidents that could negatively impact your holiday.
Whether you need a single trip policy, an annual travel insurance policy to cover you for 365 days, or maybe you're setting sail and need cruise insurance — we have a wide array of comparable cover level options for you to choose from.
The benefits of our Covid Bubble policy:
- Cancelling your trip if you catch Covid-19 before travelling
- Cancelling your trip if someone named on the policy catches Covid-19
- Denial of boarding for your return flight due to a suspected case of Covid-19 (Platinum only or optional extra)
Four reasons to choose Holiday Extras as your travel insurance provider:
Four different cover level options to suit your travel needs |
Voted best insurance provider by the Globe Travel Awards 2020 | We will consider all medical conditions | Specific cruise cover for itinerary change, cabin confinement and abandonment |
No upper age limits on Single Trip** | Rated 4.2 out of 5 on Trustpilot | Up to £10 million worth of medical cover | Increased cancellation cover available |
Single or Annual? Europe or Worldwide? | Recommended and used by over 500 travel agents | Over 30 trained insurance experts in the contact centre | A choice of three different cover levels |
Tailor your policy with extras such as gadget cover, winter sports, extreme sports | Award-winning Kent-based contact centre | 24/7 online medical screening | We offer medical and non-medical cruise policies |
With a travel insurance policy:
- If you need medical attention while abroad we can pay for your medical bills.
- If your bags are damaged or stolen we can financially compensate you towards the total cost.
- If you can't go on your holiday due to unforeseen circumstances we can pay towards the overall amount.***
Why is travel insurance important?
When you purchase travel insurance you are in essence protecting yourself against travel risks. The most common being cancellation of your holiday, stolen luggage and medical cover.
According to The Association of British Insurers (ABI).
- 3,000 Britains require emergency medical treatment abroad every week.
- The average medical claim now supasses £1,300
- £145 million was paid out for 167,000 cancellation claims
- The average claim relating to heart problems in the US is £241,000
Despite this, one in five Brits travel overseas without travel insurance. Having a suitable policy in place not only gives you peace of mind, but can really save you a small fortune should the worst happen.
Why do I need travel insurance for my holiday?
While no one wants to think about worst-case scenarios on holiday, it is worth having a safety net in place should something go wrong down the line that could potentially leave you out of pocket. That's why it's important to have the best travel insurance for your own specific needs.
Medical insurance
Searching for the right medical insurance isn't necessarily the hard part — it's finding good quality insurance that doesn't compromise on cover for cost.
Holiday Extras is a medical insurance specialist, featuring on the Money Advice Service (MAS) travel insurance directory, which the FCA (Financial Conduct Authority) has confirmed meets its criteria for a 'medical cover firm directory'. If you have a serious medical condition or multiple conditions, we will endeavour to find a policy that both covers your needs and suits your exacting requirements.
With a Holiday Extras policy, you can get up to £10 million worth of medical insurance should anything happen to you while abroad. While this initally might seem like an enormous amount, and maybe even unnecessary for you, the cost health care abroad is wildly more expensive than it is at home in the UK. Without the NHS, you can be looking at huge medical bills for an ambulance and emergency medical consultation abroad. If travelling uninsured, the bill will fall on you.
If you currently have a pre-existing medical condition, or have previously had one, then you will need to declare your condition(s) during the medical screening process which, based on your condition, will elevate the price of your policy depending on the level of "risk" associated with it.
We will consider all medical conditions and offer cover for the majority of pre-existing conditions. This includes all forms of cancer.
How to declare a medical condition
Below you will find a detailed idea of what to expect from the questions and format of our discreet medical screening process:

Holiday cancellation insurance and curtailment
If you can't go on your holiday for unforeseeable circumstances or reasons beyond your control, with a travel insurance policy you can claim on holiday cancellation cover to reimburse any money you lose out on by having to cancel your trip.
Depending on the total cost of your holiday — from money spent on flights and airport transfers, to accomodation and pre-paid expenses for excursions — you can select a cover level which appropriately covers the amount paid by a traveller to go on the trip.
We offer cover which can pay up to £5,000 for your share of any lost pre-paid expenses which you cannot get back or be transferred.
If you have to cut your trip short (curtailment) if any of the following reasons happen while on your trip: a family member, travelling companion or business associate becomes ill, injured or dies. You might be called for jury service, or be a member of HM Forces and have your leave orders cancelled.
Baggage
It can be one of the most stressful and irritating situations to happen while you're on holiday. Sadly, it does happen. Losing your luggage while in transit — either by the airline, or a transfer — is the last thing you want to happen.
If your checked-in baggage is delayed and does not arrive at your trip destination within 12 hours, we can pay up to £500 in compensation.
Repatriation
No one wants to think of the absolute worst happening, but sometimes it pays to be prepared and understand what exactly you're covered for. Repatriation insurance covers you for an unexpected return journey home due to medical reasons and is included under emergency medical expenses.
With a Holiday Extras insurance policy, with Silver, Gold and Platinum you can get up to £10 million for medical expenses and repatriation. Should there be an emergency, things like transportation, medical escorts and even possibly air ambulances all add up.
If you're at all worried about your children going on holiday on their own, you will be pleased to know that all under 18s receive the same level of repatriation and emergency medical expenses. We can even provide a responsible escort to accompany them home if needed.
Missed departure
You can claim on your travel insurance if you are late in checking in at your international destination for any of the following reasons:
- If you miss your pre-booked departure from your home country (outbound) because your flight, train, bus or boat (public service) was delayed, cancelled, or affected by extreme weather or a strike.
- If while on the way to the airport your car breaks down, or you're involved in an accident and makes you miss your departure.
If any of the following scenarios happen we will pay you:
- Up to £1,000 for the cost of alternative transport you had to take to get to your destination.
- Up to £500 for the cost of alternative travel and accomodation arrangements you had to make in order to reach your destination.
Delayed departure
If your departure from your international departure point was delayed by more than 12 hours because of a disruption to your transport providers' service, we will pay:
- Up to £100 for every 12-hour period that you are delayed
- With a maximum of £800
Compare travel insurance cover levels
Depending on the amount you like to travel, we have 2 policies you can choose from: a Single Trip policy to cover you for that one trip, or an annual policy for the frequent traveller.
You can then choose from four levels of cover, each differently priced, ranging from a basic and essential cover to a higher, premium level of cover.
Baggage cover | ||||
Cancellation cover | ||||
Medical cover | ||||
Excess charge | ||||
Lost passport | ||||
Personal money | ||||
Wedding cover | ||||
Gadget cover |
Additional cover options
We have a great and varied selection of optional cover you can add on to your travel insurance policy for extra safety. Depending on the type of holiday you're going on, what you will be bringing with you or what you plan on doing, we can offer flexible cover which you can add on to your policy as you see fit.

Winter Sports
We want to make sure you are covered for whatever winter sports activity you choose. With our winter sports add-on cover you will have the necessary extra cover in place if you plan on skiing, snowboarding, outdoor ice-skating, ice-windsurfing or snowmobiling. By upgrading your policy to include insurance for more extreme winter sports, you taking out cover specifically designed to protect you and your equipment. So should your hired ski equipment or your own snowboard get damaged, you can be financially compensated.

Gadget cover
Make sure all your technology is insured and protected while you're away with our handy gadget cover. With 3 different levels to choose from, you can get varying protection to mirror the value of your gadgets. We offer cover against loss, accidental damage, malicious damage and unauthorised usage.

Extra Activity Cover
Our Extra Activity Cover can be added on to your policy at checkout. The 2 additional cover levels contain a huge number of different sports and activities so that whatever the activity, you can rest assured that you will be covered. Whether you're quad biking, water skiing or ziplining, we can cover you. If a sport activity isn't listed here, give our contact centre a call and we will endeavour to help you.
FAQs
Finding and booking travel insurance can be a potentially confusing and time-consuming affair. That's why we've put together this list of the top insurance queries, so you can spend less time being confused and more time getting on with your holiday plans.
Searching for your policy
If you're not sure what you need out of a travel insurance policy, you can cut down your searching time with these essential Q&As:
What cover is available under my policy in relation to Coronavirus of FCO change in advice?
From 17th March 2020, there is no cover under your policy for:
- Cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises you not to travel, for example where the FCO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or any mutation of Coronavirus, COVID-19 or SARs-COV-2.
- Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS- COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. Except for the Emergency Medical Expenses section. This will only apply if you did not travel against the published advice of the FCO, any local government, local authority or WHO.
What destinations do you provide cover for?
Our travel insurance offers cover for trips globally: from Europe to America, Africa to Asia. If you're not entirely sure where your holiday falls under, then this is easily found out by simply by entering the name of the country into the travelling to box, or selecting either European or Worldwide regions.
The only destinations we currenty do not provide insurance cover for are:
- Afghanistan
- Burkina Faso
- Burundi
- Central African Republic
- Chad
- Iraq
- Libya
- Mali
- Mauritania
- Niger
- North Korea
- Somalia
- South Sudan
- Syria
- Venezuela
- Yemen
Which region do I need to choose?
Depending on which country or countries you're visiting, you can select one of the following regions on the drop down menu:
- Europe
- Europe - excluding Spain, Cyprus, Malta, Turkey or Greece
- Worldwide
- Worldwide - excluding USA, Canada or the Caribbean
- Australia and New Zealand
- UK
The countries that are considered "excluded" and require a specific European or Worldwide policy often have higher health care costs, so should anything happen to you, there is slightly higher premium to cover this.
If you are unsure which region your destination falls under, you can click the link "Not sure? Enter your destination" underneath the "Travelling to?" drop down menu of the search bar.
Can I book travel insurance online?
From 1st July 2020, you will be able to book insurance for trips starting from the 15th July 2020.
Will I be covered for day trips, excursions and holidays with multiple destinations?
Yes, we provide cover for both European and Worldwide (outside of Europe) travel. If you are travelling to multiple destinations around Europe, then a European policy would be sufficient. For travel outside of Europe, you'll need to get yourself a Worldwide policy.
Check out our our Worldwide and European insurance pages for more information on booking a policy.
I have a child over 18, can they be covered on my family policy?
Most travel insurance providers class over 18s as adults. However, at Holiday Extras we can provide family policies for families with 'adult' children over 18, but each person will be priced individually, not at the usual family rate with under 18 children.
I'm over 75 — can I still get travel insurance?
We can offer a quote to customers over 75 however there will be no cover if you are travelling against the advice of the FCO.
All or part of my trip involves cruising — what cover do I need?
If all or part of your trip is aboard a cruise then you will need to take out a cruise policy, which covers cruise-specific necessities such as missed excursions, itinerary changes and cabin confinement. You will be asked to confirm if you're going on a cruise in the initial stages of the quote/booking process.
What happens if I have to cancel my trip due to ill health?
All our policies come with cancellation cover including if you needed to call off your trip due to ill-health.
Your policy covers you against any unforeseen circumstances beyond reasonable control. If you need to cancel your trip the authorisation must come from your GP or consultant.
Conditions do vary from policy to policy, as well as situation to situation - so for a better understanding of what we will cover, please refer to your policy wording or if you have opted for one of our more specified policies.
There is no cover if you need to cancel your trip due to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARS-COV-2. There is no cover if you need to cancel your trip due to the Foreign and Commonwealth Office (FCO) advising you not to travel, for example where the FCO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARS-COV-2.
Policy terminology
We've tried to allievate some of the mystery surrounding a lot of the jargon used in the insurance industry, so you can feel confident in finding a policy most suitable for you.
What is an excess in travel insurance?
A standard excess on a travel insurance policy refers to the amount deducted before a claim is paid out. Essentially, it is a sum of money varying from £0 to £150 that you have to pay towards a claim on a policy. This amount varies depending on which cover level you have chosen.
For example, if you choose our Platinum cover, you will have zero excess on all potential claims, but if you have Bronze cover, you will have to initially pay £150 to make a claim.
What is airline insolvency?
This is when the airline you were booked to travel with dissolves due to bankruptcy or other compromising factors. In such a situation, travellers can risk losing a significant amount of money, as tickets are rendered worthless.
While most package holidays come with ATOL protection which insures against airline insolvency, this does not extend to travellers who purchased tickets and other travel services independently.
How do you define a UK resident?
According to our underwriters, Travel Insurance Facilities, to meet the criteria to purchase travel insurance, you and anyone named on the policy must qualify as a resident of the United Kingdom, Channel Islands, Isle of Man or British Forces Posted Overseas and have resided there for more than 6 months out of the last 12 months.
I'm a British citizen living abroad — can I book travel insurance with Holiday Extras?
Unfortunately not. You must be a permanent resident of the UK to be eligible to purchase travel insurance. Your trip must also start and finish in the UK too.
Single and Annual policies
Not sure whether to buy a single or an annual policy? Have a look at the differences below to gauge what will best suit your travel plans.
How many days does a single trip policy cover?
Holiday Extras single trip travel insurance policies provide travellers with comprehensive cover for one trip of up to 365 days. For more information, visit our single trip policies page.
What does an Annual Travel Insurance policy cover?
An Annual Travel Insurance policy covers you for an unlimited amount of trips abroad throughout the year, with a maximum limit for each trip depending on your cover level. For more information, visit our Annual Travel Insurance page.
Is there a limit to the number of days I can be abroad on an annual policy?
Yes, there is a limit depending on which level of cover you have taken out. Like most insurers, we limit our annual policies to a maximum number of days you can be away for, not the number of trips you can take within a year. With Holiday Extras annual travel insurance policy, the maximum number of days abroad per trip are:
- Bronze - 22 consecutive days per trip
- Silver and Gold - 31 consecutive days per trip
- Platinum - 45 consecutive days per trip
Do annual policies cover travel within the UK?
In short - yes. However, the trip has to meet specific criteria. For your domestic trip to be covered it must:
- Be at least 1 night in duration
- Include pre-booked transportation or accommodation
- Be at least 25 miles from your home (unless it involves a sea crossing)
When does my policy expire and when can I renew it?
We are pleased to be able to sell annual policies again from the 1st July, however please note cover will not start until 15th July, due to the Foreign and Commonwealth Office (FCO) advising you not to travel. You can now take out an annual policy 60 days in advance from the day you purchase your new policy.
Can you travel separately on an annual policy?
Travellers on a group annual travel insurance policy can travel independently throughout the year of cover. However, anyone on the policy under 18 years of age cannot travel independently and will need to be accompanied by an adult also on the policy.
Take a look at our travel insurance pages for group travel insurance and couples travel insurance for more information
Medical questions
Finding the right medical cover for any pre-existing conditions you might have is the more complicated aspect of travel insurance. It's so important to get right, and is one of the biggest costs when making a claim. To find out exactly what you need to know before booking your medical cover, take some time to read over customers' most pressing medical-related questions.
What is a pre-existing medical condition?
A pre-existing medical condition is any condition affecting your health prior to booking your travel insurance policy. All insurers will want to know your medical history before you purchase a policy with them.
No matter if the condition is no longer active or being treated, failing to declare any pre-existing medical conditions when taking out travel insurance could render your policy invalid.
For more information on travel insurance with medical conditions, check out our medical conditions page.
What is a medical screening?
When applying for travel insurance with medical conditions you have to complete a medical screening, either online or over the phone. This is simply a set of questions related to the condition of your health, designed to ascertain the type and severity or risk of the pre-existing medical condition you have.
Is pregnancy classed as a medical condition?
With Holiday Extras, pregnant women can travel under a standard travel insurance policy up to 32 weeks into the pregnancy, provided the mother hasn't had medical complications with any previous pregnancies, nor any pre-existing medical conditions that could have an affect on the pregnancy.
For more information, check out our pregnancy travel insurance page.
Do you cover repatriation?
All Holiday Extras policies come with repatriation insurance as standard. You'll find the details surrounding your repatriation cover to be grouped under "emergency medical cover" in the policy wording of your insurance policy. See our repatriation insurance page for more information
Managing your policy
Once you have made your booking, find out the best ways to access your policy and help us answer any other transactional questions you might have.
I can't find my confirmation, what do I do?
You can login to your account to see your booking, and from there you can view or resend your confirmation. If you have applied for a postal confirmation and you haven't received it, please get in touch with us via Live Chat and we will send you another copy in the post.
How can I cancel my booking?
If you decide that the policy you've taken out isn't right for you anymore, it takes no time at all to cancel your booking online. Simply login to your account on our website and press the cancel button. We will then send you an email confirming your decision to cancel your policy.
My booking starts today, but I need to change it. What can I do?
If you need to change or cancel your booking, we need at least 24 hours before the stay date to make the changes. We would recommend that you get in touch with us at the earliest possibility to see if anything can be done. Details will be found in your email confirmation.
While travelling
Hopefully nothing out of the ordinary will happen while you're away, but it never hurts to be prepared and to have insurance-related questions for when you're abroad.
What do I do if there's an emergency during my trip?
If something unfortunately happens to you while you're on holiday, we have appointed Emergency Assistance Facilities as our dedicated 24-hour emergency assistance service are available over the phone, on live chat or via email. In the case of an emergency you should contact them as soon as you're able. To make sure you don't lose it, we advise that you save the number (+44 (0) 203 824 0653) in your phone.
I might be taking part in activities while I'm away, will I be covered to do them?
It entirely depends on the activity you choose to do. Over 100 sports and activities, like kayaking, cycling and water parks, are included in your policy as standard, meaning you don't have to pay for anything extra. Some activities, like skiing and paragliding, offer a greater risk and therefore an additonal amount is added to your policy.
We would recommend that you double-check the policy wording to assess what cover pack your activity falls under. If you're taking part in an activity that isn't listed, please feel free to give us a call and see if we can help.
For more infortmation on the specific category an activity falls under, please check out our sports travel insurance page which provides a detailed list of all sports.
Something happened while I was away and I want to make a claim. How do I do this?
Making a claim on your policy is easy to do. Once you get home, make sure you have your policy number to hand and visit our claims page.
Alternatively, you can call our claims line and one of our experts will be able to assist you. The number is 0203 824 0654, and is in your policy booklet too. Have a read through the policy wording to know that what you're claiming is in fact covered for.
After this, you need to submit a claims form with all the relevant information so that it can be processed as quickly as possible.
Where can I find my policy documents?
For more information on the exact wording of your policy, please check out our policy booklets.
Making a claim
If your holiday is affected by an unforeseen circumstance and you need to make a claim, our claims process couldn't be simpler.
- Have your personal information to hand i.e. policy number, D.O.B. and address.
- Fill out a form online with our underwriters, TIF or call on 0203 824 0654
- Check you have the relevant supporting documents to send away i.e. police reports or receipts
For more information please visit our claims process page.
Policy wording
Here at Holiday Extras it's our mission to make your trip as hassle-free for you as possible. That's why we have compiled all of our Policy Documents on to one concise page, allowing you to fully understand what you're covered for.
What is the Money Advice Service (MAS) travel insurance directory?
The MAS directory will help you find a travel insurance provider if you have a serious medical condition.
The directory can't provide quotes itself - but it can direct you to specialist firms that can. All firms, such as Holiday Extras Cover Ltd are authorised and regulated by the Financial Conduct Authority (FCA) and have been through a rigorous selection process to prove their specialism. Holiday Extras Cover are proud to be featured in the directory.
Contact details for the Money Advice Service:
Telephone: 0800 138 7777 Monday to Friday, 8am to 6pm
Typetalk: 18001 0800 915 4622 Monday to Friday, 8am to 6pm
Help with an insurance booking
If you would like any help with your policy, cancellations, amendments and claims.
Travel insurance reviews
Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.
Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.
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