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Travel Insurance

Holiday Extras' award-winning, flexible policies are here to help you travel hassle-free and with peace of mind

With over 30 years' experience selling holiday insurance, half a million policies sold annually and the recipient of Globe's Best Insurance Provider thirteen years running, it's safe to say we know a thing or two about insurance. That's why, at Holiday Extras we've put together three levels of cover that can be tailored specifically to your individual needs.

Book your travel insurance on or offline

We have over 30 trained insurance specialists, as well as an Insurance Support Page waiting to help you book the perfect policy and answer any questions you may have.

We've also put together the Holiday Extras' Hassle-free Holiday Hub; your one-stop shop for information to get you prepared for travel returning.

What is Travel Insurance?

While no one wants to think about worst-case scenarios whilst 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.

Whether you need a single trip or annual travel insurance policy, or maybe you're setting sail and need cruise insurance — we have a wide array of comparable holiday insurance options for you to choose from.

Alongside our trusted, reliable and comprehensive cover, 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 to say that our specialist medical cover meets the requirements for inclusion on the Money Advice Service (MAS) travel insurance directory.

Four reasons to choose Holiday Extras as your travel insurance provider:

travel insurance 1. Flexible policies
travel insurance 2. Trusted providers
medical insurance 3. Medical specialists
travel insurance 4. Cruise cover specialists
Three cover levels to suit your travel needs Voted best insurance provider by the Globe Travel Awards 13 years running We will consider ALL medical conditions Cruise-specific policies available
UK cover available for those not travelling internationally Rated Excellent on Trustpilot Up to £15 million worth of medical cover We're partnered with the largest cruise lines
Single or Annual? Europe or Worldwide? Recommended and used by over 500 travel agents COVID cover included as standard Cruise cover for itinerary change, cabin confinement and abandonment
Extras including gadget cover, winter sports available. Award-winning Kent-based contact centre 24/7 online medical screening No upper age limit on single trip policies

Travel insurance and the FCDO

Holiday Extras now offers enhanced COVID-19 protect enabling you to travel to European countries where the Foreign, Commonwealth & Development Office (FCDO) advises against "non-essential" travel, as long as the advice is against all but essential travel solely as a result of COVID-19. For more information, see our COVID-19 cover section of this page.

Ukraine Travel Advice - due to the invasion of Ukraine, the Foreign and Commonwealth Development Office (FCDO) advises against all travel to Russia, and flights are suspended between Russia and most of the world including the UK. The FCDO advises against all travel to Belarus. Moldovan airspace is closed. The FCDO also advises against crossing from any of the bordering countries into Ukraine. For more comprehensive, regularly updated information, please see our Ukraine Travel Advice page.

Compare travel insurance cover levels

You can then choose from three levels of cover, each differently priced, ranging from a basic and essential cover to a higher, premium level of cover.
Here is a brief overview of some of the main upper limits and inclusions of each policy. Be sure to read through the Policy Documents for more comprehensive cover details.

Emergency medical and repatriation expenses
Curtailment and loss of holiday
Personal possessions
Passport and other documents
Personal money
Baggage delay (outward journey)
Missed departure
Missed connection
Personal liability
Legal costs and expenses
Scheduled airline failure
End supplier failure
Pet care

*Or as specified on your schedule

Medical travel insurance

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 addition to the '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 £15 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.

Travel Insurance with COVID-19 cover

At Holiday Extras, we offer travel insurance that provides COVID-19 cover on our Bronze, Silver and Gold policies as standard for specific events. As such, you are insured for the following:


  • If the insured, their relative, a member of their household or travelling companion contract COVID-19 within 14 days of the booked departure date.
  • If the insured is denied boarding on pre-booked outward travel due to contracting COVID-19 following a medically approved test or having a confirmed temperature above 38.C.


  • Death of a relative or member of the insured's household as a result of COVID-19.
  • Hospitalisation of a relative or member of insured's household requiring treatment with mechanical ventilation as a result of COVID-19.

Medical & Repatriation Expenses:

  • Cover for medical costs for any treatment and associated expenses required abroad as a result of contracting COVID-19 following a medically approved test (up to £15m), as long as they have not travelled against the advice of the FCDO*.

Enhanced COVID-19 protect

If you're looking for an increased level of cover, you can add our optional enhanced COVID-19 protect to your policy, including cover for:

FCDO cover:

  • Cover if customers wish to travel against the advice of the FCDO providing the advice is against "all but essential travel" solely as a result of COVID-19 and no other factors. This is only applicable for holidays within Europe.


  • Cover for cancellation as a result of being contacted by NHS Test & Trace due to coming into contact with someone who has tested positive for COVID-19 and needing to self isolate, preventing the insured from making the outward journey.
  • Cancellation as a result of experiencing an adverse reaction to the COVID-19 vaccine within 14 days of departure resulting in the insured being unfit to travel as confirmed by a medical practitioner.
  • The insured being unable to complete their COVID-19 vaccination course before the scheduled departure date as a result of unforeseen illness.

Be sure to check both our policy documents and coronavirus travel insurance pages for a more in-depth breakdown of what our policies cover.

*Unless they have paid the Enhanced COVID-19 Cover premium.

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Cheap Travel Insurance

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.

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited who are authorised and regulated by the Financial Conduct Authority under registration number 828848.

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited

Holiday Extras Travel Insurance is provided by Taurus Insurance Services, an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830.

The insurance is underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.