Travel insurance: what it covers and when to buy it
Travel insurance covers far more than lost bags — medical emergencies, cancellation and repatriation. Here’s what it does, and why to buy it when you book.
Travel insurance is often bought as an afterthought at the airport — but its biggest value is protecting you before and during the trip, not just your luggage.
What it covers
- Emergency medical treatment abroad — the big one; overseas care can cost a fortune.
- Repatriation — getting you home if you’re seriously ill or injured.
- Cancellation and curtailment — if you have to cancel or cut a trip short for a covered reason.
- Lost, stolen or delayed baggage, and often missed departures.
Buy it when you book
Single-trip vs annual
| Type | Best for |
|---|---|
| Single-trip | One holiday a year |
| Annual multi-trip | Several trips a year — usually cheaper overall |
Always declare pre-existing medical conditions honestly — an undeclared condition is the most common reason a medical claim is refused.
In short
Travel insurance covers emergency medical care, repatriation, cancellation and baggage. Buy it when you book so cancellation cover applies early, pick single-trip or annual to match how often you travel, declare any medical conditions, and treat a GHIC as a companion — not a substitute.
Frequently asked questions
When should I buy travel insurance?
As soon as you book the trip. Cancellation cover applies from the day you buy the policy, so buying early protects you if something forces you to cancel before you travel — not just once you’re away.
Isn’t a GHIC enough for Europe?
No. A GHIC gives access to state healthcare in the EU like a local, but it doesn’t cover repatriation home, private treatment, cancellation or lost baggage. Take travel insurance as well — see our GHIC guide.
Do I have to declare medical conditions?
Yes. You must declare pre-existing medical conditions honestly, or a related claim can be refused. It may raise the price, but it keeps the cover valid when you need it most.
Sources & last checked
- Travel insurance — Association of British Insurers (ABI)
- Foreign travel insurance — GOV.UK
Last checked against official sources: 9 July 2026.