Compare travel insurance deals
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Our research shows that you don't necessarily have to sacrifice quality to get a good price on travel insurance.
Earlier this month, we analysed 122 travel insurance policies, of which we named just 18 Best Buys – policies with great cover, from insurers with good records for paying out and low levels of complaints.
What we didn't consider was price, until now.
We checked how much our Best Buys would cost for annual policies for a 35-year-old and a 65-year-old, both for European and worldwide travel. We then compared these to the cheapest 10 quotes on a major comparison site.
In two of four scenarios, our Best Buy travel policies ranked among the 10 cheapest quotes out of more than 100 on a major comparison site.
Here, we look at how much you would need to pay extra for quality travel insurance, compare the cheapest to the most expensive Best Buys and offer tips on how you can save.
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Angebot anfordernThe Best Buys were usually more expensive than the cheapest 10 quotes
Overall, we found that Best Buys typically cost more, but not much. In each scenario, at least one Best Buy was among the top 15 cheapest quotes.
Moreover, in two of four scenarios, our Best Buy policies made appearances in the cheapest 10 quotes looking at more than 100 on the comparison site.
To find out what makes a Best Buy, check out our best travel insurance page where we looked at 44 travel insurers, comparing 129 policies and rated 18 policies as Best Buys.
We found big price differences between the cheapest and priciest Best Buy options in various scenarios, with quotes varying by hundreds of pounds.
Scenario A: annual policy for a 35-year-old travelling in Europe
Scenario B: annual policy for a 35-year-old travelling worldwide
Scenario C: annual policy for a 65-year-old travelling in Europe
Scenario D: annual policy for a 65-year-old travelling worldwide
Admiral Gold was the cheapest Best Buy for European travel, while Puffin Gold was the least expensive for worldwide trips. AllClear Platinum, which specialises in coverage for medical conditions, is consistently ranked as the most expensive.
It's important to note that we're looking at a specific type of customer without medical conditions and we’re comparing annual policies rather than single-trip options. However, these costs could work out very differently depending on your personal circumstances.
best buy | Travel pack Aviva travel insurance | 91% | £174 | £174 | £174 | £174 |
best buy | Black | 87% | £64 | £170 | £120 | £317 |
best buy | Flex Plus | 87% | £156 | £156 | £156 | £156 |
best buy | Platinum | 84% | £361 | £573 | £801 | £905 |
best buy | Gold | 83% | £65 | £146 | £112 | £240 |
best buy | Platinum | 81% | £66 | £172 | £167 | £408 |
best buy | Travel insurance | 71% | £42 | £119 | £116 | £265 |
Table note: These quotes were gathered in June 2024 and correct as of then. All quotes are annual policies.
A cheap policy won't seem such a bargain if you have to pay hundreds of pounds as an excess when you claim.
The lower an excess is on a policy, therefore, the better.
We found that the average excess for the cheapest 10 quotes was often more than double the average excess of our Best Buy policies. This was true in three out of four scenarios, except for a 65-year-old travelling in Europe.
For example, for a 35-year-old travelling in Europe, the average excess for the cheapest 10 quotes was £126, while the Best Buys had an average excess of £53.
Among our Best Buy policies, Aviva Travel Insurance had the highest excess at £100. Several Best Buy policies had no excess at all, including AllClear Platinum, InsureandGo Black and Just Travel Infinity Travel Gold.
In contrast, among the cheapest 10 quotes, Annualtravelinsurance.com Economy had the highest excess at £250. The policies with the lowest excess in this group, at £50, were Coverwise Silver Plus, Admiral Platinum and Virgin Money Standard.
Following these steps ensures you get affordable travel insurance that meets your needs, saving money without compromising on essential coverage:
Find out more: Ehic and Ghic explained.
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