APH highlights affordable travel insurance

Affordable insurance

Recent research from ABTA* has revealed surprising statistics regarding the number of holidaymakers travelling abroad uninsured, with 24% of travellers (and nearly half of 15 to 24-year-olds) holidaying without travel insurance. APH has compiled a guide to the most affordable travel insurance policies to show you don’t need to take the risk unless you really want to.

 

INSURANCE

COMPANY

COST OF INSURANCE IN EUROPE

COST OF INSURANCE WORLDWIDE (INC. USA & CANADA)

AA TRAVEL INSURANCE

 SINGLE TRIP

Essentials Single Trip: £11.15
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £500
Essentials Single Trip: £26.24
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £500
Single Trip: £16.08
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Single Trip: £37.94
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

 ANNUAL TRIP

Essentials Annual: £21.66
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £500
Essentials Annual: £48.13
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £500
Annual: £27.53
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Annual: £60.85
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

ASDA MONEY TRAVEL INSURANCE

 SINGLE TRIP

Value: £10.40
  • Medical: Unlimited
  • Cancellation: £500
  • Baggage: £500
Value: £22.88
  • Medical: Unlimited
  • Cancellation: £500
  • Baggage: £500
Standard: £12.79
  • Medical: Unlimited
  • Cancellation: £1,500
  • Baggage: £1,500
Standard: £28.14
  • Medical: Unlimited
  • Cancellation: £1,500
  • Baggage: £1,500
Superior: £18.61
  • Medical: Unlimited
  • Cancellation: £5,000
  • Baggage: £2,000
Superior: £40.94
  • Medical: Unlimited
  • Cancellation: £5,000
  • Baggage: £2,000

 ANNUAL TRIP

Value: £33.00
  • Medical: Unlimited
  • Cancellation: £500
  • Baggage: £500
Value: £51.15
  • Medical: Unlimited
  • Cancellation: £500
  • Baggage: £500
Standard: £40.00
  • Medical: Unlimited
  • Cancellation: £1,500
  • Baggage: £1,500
Standard: £62.00
  • Medical: Unlimited
  • Cancellation: £1,500
  • Baggage: £1,500
Superior: £52.00
  • Medical: Unlimited
  • Cancellation: £5,000
  • Baggage: £2,000
Superior: £80.60
  • Medical: Unlimited
  • Cancellation: £5,000
  • Baggage: £2,000

 

AVIVA TRAVEL INSURANCE

 SINGLE TRIP

£34.04
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage (delayed): £150
£41.64
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage (delayed): £150

ANNUAL TRIP

£37.81
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage (delayed): £150
£48.23
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage (delayed): £150

 

BARCLAYS TRAVEL INSURANCE

 SINGLE TRIP

Travel Essentials: £13.68
  • Medical: £1,000,000
  • Cancellation: £500
  • Baggage: £500
Travel Essentials: £19.55
  • Medical: £1,000,000
  • Cancellation: £500
  • Baggage: £500
Travel: £16.09
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,250
Travel: £23.00
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,250
Travel Plus: £19.90
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Travel Plus: £28.43
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

 ANNUAL TRIP

Travel Essentials: £30.41
  • Medical: £1,000,000
  • Cancellation: £500
  • Baggage: £500
Travel Essentials: £47.86
  • Medical: £1,000,000
  • Cancellation: £500
  • Baggage: £500
Travel: £38.00
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,250
Travel: £59.82
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,250
Travel Plus: £46.97
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Travel Plus: £73.96
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

BUPA TRAVEL INSURANCE

 SINGLE TRIP

Classic: £21.74
  • Medical: Unlimited
  • Cancellation: £3,000
  • Baggage: £1,500
Classic: £39.93
  • Medical: Unlimited
  • Cancellation: £3,000
  • Baggage: £1,500

 ANNUAL TRIP

Classic: £45.96
  • Medical: Unlimited
  • Cancellation: £3,000
  • Baggage: £1,500
Classic: £82.72
  • Medical: Unlimited
  • Cancellation: £3,000
  • Baggage: £1,500

CHURCHILL TRAVEL INSURANCE

 SINGLE TRIP

£25.03
  • Medical: £10,000,000 (emergency only)
  • Cancellation: £5,000
  • Baggage: £2,000
£48.72
  • Medical: £10,000,000 (emergency only)
  • Cancellation: £5,000
  • Baggage: £2,000

 ANNUAL TRIP

£51.72
  • Medical: £10,000,000 (emergency only)
  • Cancellation: £5,000
  • Baggage: £2,000
£88.98
  • Medical: £10,000,000 (emergency only)
  • Cancellation: £5,000
  • Baggage: £2,000

COLUMBUS TRAVEL INSURANCE

 SINGLE TRIP

Bronze: £7.11
  • Medical: £5,000,000
  • Cancellation: Not included
  • Baggage: Not included
Bronze: £15.81
  • Medical: £5,000,000
  • Cancellation: Not included
  • Baggage: Not included
Silver: £11.96
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,500
Silver: £28.92
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,500
Gold: £16.14
  • Medical: £15,000,000
  • Cancellation: £7,500
  • Baggage: £2,500
Gold: £37.99
  • Medical: £15,000,000
  • Cancellation: £7,500
  • Baggage: £2,500

ANNUAL TRIP

Bronze: £21.38
  • Medical: £5,000,000
  • Cancellation: Not included
  • Baggage: Not included
Bronze: £35.62
  • Medical: £5,000,000
  • Cancellation: Not included
  • Baggage: Not included

 

Silver: £35.26
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,500
Silver: £49.37
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,500
Gold: £54.46
  • Medical: £15,000,000
  • Cancellation: £7,500
  • Baggage: £2,500
Gold: £82.61
  • Medical: £15,000,000
  • Cancellation: £7,500
  • Baggage: £2,500

DIRECT LINE TRAVEL INSURANCE

 SINGLE TRIP

£32.57
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
£49.86
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

 ANNUAL TRIP

£51.42
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
£80.06
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

 

ELEPHANT

SINGLE TRIP

Standard: £9.07
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,000
Standard: £22.38
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,000
Premier: £11.32
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Premier: £27.89
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ANNUAL TRIP

Standard: £34.54
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,000
Standard: £41.92
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,000
Premier: £43.04
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Premier: £52.20
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ENDSLEIGH

 SINGLE TRIP

Essential: £13.54
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,500
Essential: £32.00
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,500
Comprehensive: £15.74
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Comprehensive: £37.26
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ANNUAL TRIP

Essential: £38.26
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,500
Essential: £89.70
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,500
Comprehensive: £42.55
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Comprehensive: £93.93
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ESSENTIAL TRAVEL INSURANCE

 SINGLE TRIP

Standard: £9.06
  • Medical: £2,500,000
  • Cancellation: Not included
  • Baggage: Not included
Standard: £11.96
  • Medical: £2,500,000
  • Cancellation: Not included
  • Baggage: Not included
Essential: £13.08
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: Not included
Essential: £17.27
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: Not included
Essential Plus: £16.47
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,500
Essential Plus: £21.74
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,500
Superior: £20.45
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Superior: £27.00
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ANNUAL TRIP

Standard: £26.67
  • Medical: £2,500,000
  • Cancellation: Not included
  • Baggage: Not included
Standard: £39.47
  • Medical: £2,500,000
  • Cancellation: Not included
  • Baggage: Not included
Essential: £37.42
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: Not included
Essential: £55.38
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: Not included
Essential Plus: £45.59
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,500
Essential Plus: £67.48
  • Medical: £5,000,000
  • Cancellation: £2,500
  • Baggage: £1,500
Superior: £50.75
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Superior: £75.10
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ESURE TRAVEL INSURANCE

 SINGLE TRIP

£14.11
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
£31.75
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

ANNUAL TRIP

£38.28
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
£62.42
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

HALIFAX TRAVEL INSURANCE

 SINGLE TRIP

£21.90
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
£43.86
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

ANNUAL TRIP

£50.28
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
£74.29
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

HSBC TRAVEL INSURANCE

 SINGLE TRIP

£28.80
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: Not included
£34.93
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: Not included

ANNUAL TRIP

£37.60
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: Not included
£50.04
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: Not included

LLOYDS TSB TRAVEL INSURANCE

 SINGLE TRIP

£36.06
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £2,500
N/A
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £2,500

ANNUAL TRIP

£41.52
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £2,500
£83.66
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £2,500

 

M&S BANK TRAVEL INSURANCE

SINGLE TRIP

£32.00 – £33.00 (dependent on destination)
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,000
£79.98 (USA)
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,000

 ANNUAL TRIP

£39.07
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,000
£68.28
  • Medical: £10,000,000
  • Cancellation: £4,000
  • Baggage: £1,000

 

 

MORE THAN TRAVEL INSURANCE

 SINGLE TRIP

Economy Cover: £34.60
  • Medical: £10,000,000
  • Cancellation: £750
  • Baggage: £1,000
Economy Cover: £57.30
  • Medical: £10,000,000
  • Cancellation: £750
  • Baggage: £1,000
Premium Cover: £40.70
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Premium Cover: £67.40
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

ANNUAL TRIP

Economy Cover: £34.60
  • Medical: £10,000,000
  • Cancellation: £750
  • Baggage: £1,000
Economy Cover: £57.30
  • Medical: £10,000,000
  • Cancellation: £750
  • Baggage: £1,000
Premium Cover: £40.70
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Premium Cover: £67.40
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £2,000

POST OFFICE TRAVEL INSURANCE

 SINGLE TRIP

Basic: £16.60
  • Medical: £5,000,000
  • Cancellation: £500
  • Baggage: Not included
Basic: £40.60
  • Medical: £5,000,000
  • Cancellation: £500
  • Baggage: Not included
Classic: £22.50
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Classic: &pounpound;50.29
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Premium: £25.27
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000
Premium: £62.29
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000

ANNUAL TRIP

Basic: £40.45
  • Medical: £5,000,000
  • Cancellation: £500
  • Baggage: Not included
Basic: £71.69
  • Medical: £5,000,000
  • Cancellation: £500
  • Baggage: Not included

 

Classic: £49.63
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Classic: £88.24
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Premium: £61.13
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000
Premium: £108.46
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000

SAINSBURY’S BANK TRAVEL INSURANCE

 SINGLE TRIP

Basic Travel Insurance: £12.55
  • Medical: £2,500,000
  • Cancellation: £2,500
  • Baggage: £1,250
Basic Travel Insurance: £18.89
  • Medical: £2,500,000
  • Cancellation: £2,500
  • Baggage: £1,250
Travel Insurance: £17.38
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Travel Insurance: £25.39
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

ANNUAL TRIP

Basic Travel Insurance: £30.55
  • Medical: £2,500,000
  • Cancellation: £2,500
  • Baggage: £1,250
Basic Travel Insurance: £56.78
  • Medical: £2,500,000
  • Cancellation: £2,500
  • Baggage: £1,250
Travel Insurance: £42.08
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Travel Insurance: £75.29
  • Medical: £10,000,000
  • Cancellation: £5,000
  • Baggage: £1,500

STA TRAVEL INSURANCE

 SINGLE TRIP

Under 35 Budget: £17.00
  • Medical: £1,000,000
  • Cancellation: £1,000
  • Baggage: Not included
Under 35 Budget: £37.00
  • Medical: £1,000,000
  • Cancellation: £1,000
  • Baggage: Not included
Under 35 Standard: £25.00
  • Medical: £2,000,000
  • Cancellation: £1,500
  • Baggage: £1,000
Under 35 Standard: £54.00
  • Medical: £2,000,000
  • Cancellation: £1,500
  • Baggage: £1,000
Under 35 Premier: £30.00
  • Medical: £10,000,000
  • Cancellation: £2,000
  • Baggage: £1,500
Under 35 Premier: £65.00
  • Medical: £10,000,000
  • Cancellation: £2,000
  • Baggage: £1,500

 ANNUAL TRIP

Under 35 Annual Multi-Trip: £77.00
  • Medical: £10,000,000
  • Cancellation: £2,000
  • Baggage: £1,500
Under 35 Annual Multi-Trip: £123.00
  • Medical: £10,000,000
  • Cancellation: £2,000
  • Baggage: £1,500

TESCO BANK TRAVEL INSURANCE

SINGLE TRIP

Value: £12.49
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £1,000
Value: £32.49
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £1,000
Standard: £15.49
  • Medical: £5,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Standard: £39.99
  • Medical: £5,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Finest: £22.99
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000
Finest: £58.49
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000

ANNUAL TRIP

Value: £39.99
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £1,000
Value: £60.99
  • Medical: £2,000,000
  • Cancellation: £1,000
  • Baggage: £1,000
Standard: £49.99
  • Medical: £5,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Standard: £75.99
  • Medical: £5,000,000
  • Cancellation: £5,000
  • Baggage: £1,500
Finest: £72.99
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000
Finest: £110.99
  • Medical: £10,000,000
  • Cancellation: £10,000
  • Baggage: £2,000

VIRGIN TRAVEL INSURANCE

 SINGLE TRIP

Red: £9.70
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,000
Red: £24.08
  • Medical: £5,000,000
  • Cancellation: £2,000
  • Baggage: £1,000
Silver: £15.47
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £1,500
Silver: £35.47
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £1,500
Gold: £19.94
  • Medical: £15,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Gold: £45.71
  • Medical: £15,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Black: £30.70
  • Medical: Unlimited
  • Cancellation: £7,500
  • Baggage: £2,500
Black: £70.26
  • Medical: Unlimited
  • Cancellation: £7,500
  • Baggage: £2,500

ANNUAL TRIP

Red: £35.20
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £1,500
Red: £50.78
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £1,500
  Silver: £46.02
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £1,500
Silver: £65.07
  • Medical: £10,000,000
  • Cancellation: £3,000
  • Baggage: £1,500
Gold: £56.30
  • Medical: £15,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Gold: £80.94
  • Medical: £15,000,000
  • Cancellation: £5,000
  • Baggage: £2,000
Black: £76.25
  • Medical: Unlimited
  • Cancellation: £7,500
  • Baggage: £2,500
Black: £103.23
  • Medical: Unlimited
  • Cancellation: £7,500
  • Baggage: £2,500

• Price based on one person travelling from 16 – 23 August 2013, aged 22 years old.

• Prices relating to travelling to European destinations include Spain, Turkey and Egypt

• Prices relating to travelling to worldwide destinations include the USA and Canada

• Prices do not include winter sports, sport activities or any medical conditions

• All prices correct as of April 2013

 

APH makes every effort to ensure that the information provided is accurate at the time of collection and publishing but it is provided without any kind of warranty. APH accepts no liability for any loss or damage arising from the use of the information.

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