Finding travel insurance

It is a good idea to get quotes from a range of different insurance providers. This can help you get travel insurance cover that meets your needs. It could also help you save money.

The following information gives tips about:

  • how to find travel insurance providers that can cover you
  • how to get the best quote possible.

You can ask for insurance quotes from:

  • insurance companies
  • price comparison websites
  • some supermarkets – they may have information leaflets about their insurance in stores
  • your bank.

If you have travel insurance cover through your bank, it might not automatically include problems related to health conditions such as cancer. Check with your bank to find out exactly what the cover includes.

You might be able to include cover for pre-existing conditions including cancer. The bank may allow you to pay a top-up fee so that you are fully covered. This may be cheaper than buying travel insurance separately. Make sure the cover meets your needs. For example, it should include cancellation cover in case you need to cancel your trip.

Travel insurance providers will need to ask you some questions to work out how much your policy will cost. This might be on the phone, or through an online form.

Travel insurance providers will generally ask:

  • your age and the age of anyone else who needs to be covered by the insurance
  • where you are going
  • how long you are going for
  • whether you have any activities planned – for example, extreme sports
  • whether you have, or have had, any health conditions.

The more likely the provider thinks you are to claim, the more they will ask you to pay for travel insurance.

Premiums and excess payments

Travel insurance policies have different sections covering different events. For example, there may be a section about what might happen if you are injured. Another section may only apply if you lose your belongings. Depending on your insurance provider and its policies, there may be:

  • a single excess charge for any claim you make
  • separate excess charges for each section of the policy when you claim
  • separate excess charges for each person claiming, if more than one person is covered by the policy.

When there is a single excess charge per claim, this can mean you will pay less if you need to claim.

Call the British Insurance Brokers’ Association (BIBA)

You can find a qualified and regulated insurance broker through the British Insurance Brokers’ Association (BIBA). Insurance brokers do not offer insurance directly. Instead, they try to find a suitable travel insurance provider for you. They can take your details and then search for insurance providers for you. Call BIBA on 0370 950 1790, Monday to Friday, 9am to 5pm or visit biba.org.uk/find-insurance

Travel insurance tips

There are lots of people talking about travel insurance on the Macmillan Online Community.

You can find out which insurers people are recommending. But remember that you will need to find an insurer who can provide you with cover for your needs. There are also other tips about buying travel insurance and travelling abroad when you or someone you know is affected by cancer.

You do not have to join the community to read what people are saying.

We have set up a forum about travel insurance at macmillan.org.uk/travelinsurancegroup

If you have problems buying or claiming on travel insurance, call the Macmillan Support Line on 0808 808 00 00 to speak to one of our financial guides.

The biggest worry was travel insurance. I didn’t know where to start. I spent an hour reading really useful advice and help on the Online Community. I now have my insurance at an affordable price and I feel so relieved.

Erin

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