Cheap Travel Insurance – What It Means and How to Find the Right Cover

If you're looking for cheap travel insurance, you may want a policy that feels like good value but still gives you the protection you need. This page explains what "cheap" usually means in the UK travel insurance market, what affects the price, and how to choose cover that suits your trip.

Prices can change based on your destination, age, medical history and how long you're away. The term 'cheap' is commonly associated with policies that offer a simpler level of cover.

What Does Cheap Travel Insurance Usually Mean?

"Cheap" doesn't refer to one specific product or provider. Instead, it typically describes:

• Policies with a lower level of cover compared to premium options
• Higher excesses
• Restrictive limits or fewer optional add-ons
• Base-level protection suitable for simple, low-risk trips

People searching for budget-friendly cover are usually comparing prices before looking at what's actually included, however, the cheapest policy might not always be the best fit. It's important to choose travel insurance that suits your individual needs.

At Holiday Extras, we offer straightforward travel insurance with clear cover levels. This helps you choose the policy that suits your travel plans without any fuss.

---

What Affects the Price of Travel Insurance?

Premiums can vary widely depending on personal and trip-specific factors, including:

• Destination: Countries with higher medical costs typically mean higher premiums.
• Traveller age: Older travellers may see increased premiums due to higher levels of risk.
• Medical conditions: Declaring pre-existing medical conditions can affect the price of your quote.
• Type of trip: Cruises often require specialist cruise cover. Annual multi–trip insurance also prices differently compared to single-trip policies.

---

Cheap Travel Insurance with Pre-Existing Medical Conditions

"Cheap" medical travel insurance doesn't always mean reduced medical cover. Instead, you could be looking for a policy that balances affordability with the correct level of cover.

Anyone with a pre-existing condition should always:

• Declare conditions upfront
• Check excesses and expense limits

One of the most important things to consider is finding cover that provides the right level of protection in the event of a medical emergency. If you're looking for more information on travelling with medical conditions, the information below can help.

Cheap Travel Insurance for Seniors & Over 70s

Many insurers offer cover for older travellers, though premiums may vary depending on medical history, destination and trip length. When comparing policies, seniors can look for:

• Clear medical cover limits
• 24/7 emergency assistance
• Cruise-specific protection if required
• A simple way to declare any medical conditions

At Holiday Extras, we offer travel insurance for seniors and travellers aged 70+ with clear cover levels. Prices vary based on your needs, but our policies are easy to understand. This helps you choose the cover that supports your trip. To learn more, visit our dedicated page on travel insurance for over 70s.

---

Cheap Cruise Travel Insurance

Cruise holidays often require a different type of travel insurance because of the unique nature of travelling at sea. Policies designed for cruises typically include additional protection that standard travel insurance may not cover, such as missed port departure, cabin confinement and itinerary changes due to weather or medical emergencies.

Instead of choosing a policy only for its price, it's worth making sure it includes the cruise-specific features you may need, such as:

• Missed-port & itinerary disruption
• Cabin confinement
• Unused excursions
• Extra baggage & evening wear protection
• Emergency medical cover

Let us answer your questions

Is Europe usually cheaper to insure than worldwide destinations?

Medical treatment often costs less in many European countries than in long-haul destinations. This can lead to lower premiums. It's always worth checking exactly which countries fall under "Europe," as insurers group regions differently. Visit our Destination Checker for a simple guide on what regions we cover at Holiday Extras.

Are family travel insurance policies cheaper than buying separate policies?

Family policies can sometimes work out more cost-effective than purchasing individual policies. It will always depend on the insurer, cover level, number of travellers, and the destination.

A family policy can also be more convenient, with everyone travelling under one set of documents and the same cover limits.

Holiday Extras offers family travel insurance that keeps things simple. You can choose clear cover levels, add optional extras, and declare medical conditions for each family member when needed.

Is annual multi-trip insurance cheaper than buying single-trip policies?

It can be, especially if you're travelling more than twice in a year. Annual cover allows you to take multiple holidays under one policy, eliminating the need to buy insurance for each trip. The price depends on destinations, traveller age, medical history and the maximum trip duration allowed on the policy.

Holiday Extras offers annual multi-trip travel insurance, which is designed to give frequent travellers a straightforward way to stay protected all year round.

Still unsure? Simply ask SYD (Search Your Documents), our AI travel insurance expert. SYD can search your documents and quickly tell you what is or is not covered.

Just ask

AnywhereGP: 24/7 Medical Help

Powered by Air Doctor

We're thrilled to introduce AnywhereGP, powered by Air Doctor – your on-the-go medical solution abroad!

Included FREE with every Holiday Extras travel insurance policy, it provides fast, reliable medical support for everything from minor illnesses to urgent concerns, keeping you supported along the way.

Find Out More

Looking to book the perfect getaway?

Sign up and be the first to hear about our latest Holiday Extras deals.

Sign up

Thank you for signing up, please check your emails inbox.