Travel Insurance Online: The Ultimate Guide

If you’re planning a trip, you’re probably already thinking about how to make sure you’re covered in case anything goes wrong. Travel insurance can provide peace of mind, protecting you against unexpected events like illness, lost luggage, or trip cancellation. But with so many options available online, it can be hard to know where to start. In this guide, we’ll walk you through everything you need to know about buying travel insurance online.

What is Travel Insurance?

Travel insurance is a type of insurance policy that provides financial protection for a range of risks associated with travel. Depending on the policy you choose, your travel insurance may provide cover for lost or stolen luggage, trip cancellations, medical emergencies, and more. It’s designed to give you peace of mind when you’re away from home, by providing financial protection if something unexpected happens.

When you’re buying travel insurance, it’s important to make sure you understand what is and isn’t covered. Different policies will have different levels of cover for each type of risk, and there may be exclusions or conditions that apply. Be sure to read the policy documents carefully before you buy.

Types of Travel Insurance Cover

Travel insurance policies can be complex, with different insurers offering different levels of cover and varying options. Here are some of the most common types of cover you might find:

Type of Cover
Medical Cover
Provides cover for medical expenses, including emergency treatment and hospitalisation.
Trip Cancellation Cover
Provides cover for prepaid expenses in the event that your trip is cancelled or delayed.
Lost or Stolen Luggage Cover
Provides cover for the cost of replacing lost or stolen luggage and its contents.
Personal Liability Cover
Provides cover if you are held liable for damage or injury to another person or their property.

Some travel insurance policies may also offer additional cover for specific risks, such as natural disasters, terrorism, or adventure sports. Be sure to check what is and isn’t covered by each policy before you buy.

Why Buy Travel Insurance Online?

Buying travel insurance online has many advantages. Here are some of the key benefits:


Buying travel insurance online is fast and convenient. You can compare policies from multiple insurers and buy the one that best suits your needs, all from the comfort of your own home.

Cost Savings

Because you can compare policies from different providers, it’s often possible to find a better deal online than you would get by buying from a travel agent or directly from an insurer. Plus, many insurers offer discounts for online purchases.

Ease of Access

With online travel insurance, you can access your policy documents and make claims online, making it easier to manage your policy and deal with any issues that arise while you’re away.

How to Buy Travel Insurance Online

Buying travel insurance online is simple. Here are the basic steps:

Step 1: Compare Policies

The first step in buying travel insurance online is to compare policies from different providers. Start by deciding what type of cover you need, and then use a comparison website to see what policies are available.

When comparing policies, be sure to look at the level of cover provided, any exclusions or conditions, and the price. Consider the value of the policy, rather than just the cost.

Step 2: Choose Your Policy

Once you’ve found a policy that meets your needs, it’s time to buy. You can usually do this online, by filling in your personal details and payment information.

Be sure to read the policy documents carefully before you buy, and make sure you understand what is and isn’t covered.

Step 3: Get Your Policy Documents

After you’ve bought your policy, you should receive your policy documents by email. Keep these documents safe, as you may need to refer to them while you’re away.


Q: Do I need travel insurance?

A: Travel insurance is not mandatory, but it can provide peace of mind and financial protection if something goes wrong while you’re away.

Q: How much does travel insurance cost?

A: The cost of travel insurance varies depending on the type and level of cover you choose, as well as other factors such as your age and pre-existing medical conditions.

Q: What isn’t covered by travel insurance?

A: Each policy will have different exclusions, but common exclusions include acts of terrorism, pre-existing medical conditions, and reckless behaviour.

Q: How do I make a claim on my travel insurance?

A: To make a claim on your travel insurance, you will usually need to contact your insurer as soon as possible and provide evidence of the event that caused the claim. This might include medical receipts, police reports, or other documentation.

Q: Can I buy travel insurance if I’m already travelling?

A: Some insurers will allow you to buy travel insurance even if you’ve already started your trip, but you may need to pay more or accept reduced cover.


Buying travel insurance online can be a great way to protect yourself when you’re away from home. By comparing policies from multiple providers and understanding what is and isn’t covered, you can find a policy that meets your needs and budget. With the right travel insurance in place, you can relax and enjoy your trip, knowing that you’re covered if anything goes wrong.