Compare travel insurance UK: 5 policies priced, medical cover to £420,000
A. FruchardCo-Founder & Travel Insurance ExpertLast updated: 22 September 2026What actually separates one UK travel policy from another?
Compare travel insurance from the UK and the real gap is almost never the price. It is the medical limit, the age at which the insurer stops quoting you, and whether a cancelled trip is refunded at all. A week in Spain runs from £16.26 to £39.42 on our UK shelf.
We priced the whole UK shelf on 22 September 2026, from a British residence, and read the benefit table behind every plan. Five products quote for a UK resident: three single-trip policies (WorldSecure Basic, WorldSecure Platinum and Safe Start), one annual multi-trip policy (Safe World) and one cancellation-only policy (Safe Cancel). Every figure on this page comes from those quotes and those benefit tables, captured on that date.
What the exercise shows is unglamorous. The cheapest plan is genuinely cheap, and it refuses anyone over 39, pays nothing if you cancel, and carries the smallest luggage limit on the shelf. The dearest single-trip plan is not the widest: Safe Start has the biggest medical ceiling, about £420,000, and the smallest disability payout, about £8,400. These policies are pan-European contracts, so every price and limit here is shown in pounds, converted at the rate our comparator applied on the day of capture.
Reading a quote well is worth more than shopping it around. GOV.UK's foreign travel insurance guidance puts a broken leg treated in Spain at £25,000 and up, a quad bike accident needing surgery in Greece at £80,000 and up, and a stomach infection treated in hospital in the USA at £150,000 and up. A ceiling of about £250,000 is ample for the first two and thin for a long trip to the third.
Every year, our experts audit each plan against its binding policy wording: cover, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and cover actually offered in your country, not a single guide translated.
Learn moreWhich UK policy wins, and for which kind of traveller?
For most UK trips WorldSecure Platinum is the best all-round single-trip policy on our shelf: it is the only one that refunds a cancelled trip and the only one that covers winter and extreme sports. Safe Start carries the highest medical ceiling, about £420,000, and still quotes at 69. WorldSecure Basic is the cheapest and the narrowest.
Antoine's pick for a UK trip
If you want one policy that does not leave a hole in the middle of a holiday, WorldSecure Platinum is the one I would take. Your hospital bill abroad is settled directly with the hospital, up to about £250,000, a medically supervised flight home is paid at actual cost, and it is the only single-trip plan on our UK shelf that also refunds a trip you cancel for a covered reason, up to about £7,500, and covers skiing, diving and the rest.
WorldSecure Basic is the cheapest of the shortlist and it is defensible for a short European break under 40, as long as you accept that nothing is refunded if the trip falls through and that its luggage limit is the smallest here. Safe Start is mid-priced, carries the highest medical ceiling of the three, about £420,000, which is what matters on a long-haul trip, and is the only single-trip plan that still quotes between 66 and 69.
If you take three or more holidays a year, look past the single-trip cards at Safe World, the annual policy: it quotes up to 79, includes cancellation cover of about £10,000 for every trip you book, and carries the same £420,000 medical ceiling. Rank them by the guarantee you actually need rather than by the first number you see. The cards below show today’s price for your own dates and ages.
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Price for 1 traveller aged 34, 7 days in Spain, departing from the UK. Prices calculated by HelloSafe, July 2026. Cover figures are sterling equivalents of euro-denominated policies, so your price depends on age, trip length and destination.
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How much do you pay when you compare travel insurance quotes for a UK trip?
A UK traveller pays from £16.26 for a week in Spain, about £41.39 for a fortnight in the USA and about £54.70 for a month across three Asian countries. Age, trip length and destination drive the premium, in that order, and the same trip can cost nearly two and a half times as much from one plan to the next.
Trip | Cheapest | Average | Best value | What decides it |
|---|---|---|---|---|
Solo traveller 1 adult aged 34, 7 days in Spain | £16.26 WorldSecure Basic | £29.32 | £32.28 WorldSecure Platinum | Platinum nearly doubles the luggage limit and adds cancellation |
Couple 2 adults, 10 days in Spain | £58.14 WorldSecure Basic | £77.94 | £96.85 WorldSecure Platinum | Every traveller is priced separately, so nothing is shared |
Family 2 adults and 2 children, 10 days in Spain | £116.28 WorldSecure Basic | £155.88 | £193.70 WorldSecure Platinum | Children are priced like adults on these plans |
Older traveller 1 adult aged 68, 14 days in Spain | £39.42 Safe Start | £39.42 | £39.42 Safe Start | Only one single-trip plan still quotes at 68, so there is no choice |
Backpacker 1 adult aged 26, 30 days in Thailand, Vietnam and Indonesia | £54.70 WorldSecure Basic | £89.93 | £96.85 WorldSecure Platinum | One policy covers all three countries |
Long-haul 1 adult aged 34, 14 days in the USA | £41.39 WorldSecure Basic | £64.59 | £67.64 WorldSecure Platinum | A US trip costs roughly twice the same trip in Europe |
Frequent traveller 1 adult aged 34, annual multi-trip | £241.43 Safe World | £241.43 | £241.43 Safe World | One annual product quotes from the UK, so the price is the price |
Single-trip quotes from the table above, captured 22 September 2026. Departure from the UK, prices for the whole trip. The annual policy is left out because its price covers a year, not one trip.
Two things are worth noticing. A fortnight in the USA costs roughly twice what the same fortnight costs in Spain, because American hospital bills are what the insurer is really pricing. And a family is simply four single policies: nobody on our UK shelf gives children a free place, which is why family travel insurance is worth pricing plan by plan rather than assuming a family rate exists.
What do the medical, cancellation and baggage limits come to in pounds?
The three single-trip plans carry medical ceilings of about £250,000, £250,000 and £420,000. Only WorldSecure Platinum refunds a cancelled trip, up to about £7,500 of the trip price. Luggage is covered between about £960 and £1,700, which is among the smallest figures on the whole benefit table.
Guarantee | WorldSecure Basic | WorldSecure Platinum | Safe Start | Safe World | Safe Cancel |
|---|---|---|---|---|---|
Emergency medical Hospital and doctors abroad | About £250,000 | About £250,000 | About £420,000 | About £420,000 | Not covered |
Direct settlement No money to advance | Included | Included | Included | Included | Not covered |
Repatriation Medically supervised flight home | Actual cost | Actual cost | Actual cost | Actual cost | Not covered |
Trip cancellation | Not covered | Trip price, max about £7,500 | Not covered | About £10,000 | Trip price, max about £10,000 |
Early return home | Return ticket | Return ticket | Return ticket | Return ticket | Not covered |
Interrupted stay Unused nights refunded | Not covered | Not covered | About £10,000 | About £5,000 | About £10,000 |
Search and rescue | About £2,500 | About £4,200 | About £4,200 | About £4,200 | Not covered |
Baggage and belongings | About £960 | About £1,700 | About £1,700 | About £1,700 | Not covered |
Emergency cash advance | About £590 | About £590 | About £1,300 | About £1,300 | Not covered |
Travel delay | Not covered | About £130 | About £130 | About £130 | Not covered |
Personal liability | About £3.8 million | About £3.8 million | About £3.8 million | About £3.8 million | Not covered |
Permanent disability | About £25,000 | About £42,000 | About £8,400 | About £13,000 | Not covered |
Winter and extreme sports | Not covered | Included | Not covered | Not covered | Not covered |
Treatment once back home | Not covered | Not covered | Not covered | Not covered | Not covered |
Electronics as a named item | Not covered | Not covered | Not covered | Not covered | Not covered |
The headline medical figure is the one everybody reads and the one that almost never binds. What binds is underneath it.
None of the five products pays for treatment once you are back in the UK, so a fracture set in Greece and re-operated on in Leeds is an NHS matter, not an insurance one.
Baggage is capped at about £1,700 on the most generous plan here, and no plan on our UK shelf treats a laptop or a camera as a named item with its own limit. If you travel with a £1,500 camera, insure it at home.
Cancellation on a single-trip policy exists on WorldSecure Platinum only, and it pays up to your trip price within an overall cap of about £7,500. A £9,000 family holiday is not fully refundable on any single-trip policy we can quote you.
The guarantee most people never check is the one that decides whether you pay anything at all: direct settlement. Four of the five products settle the hospital bill with the hospital instead of reimbursing you later, which is what stops a £25,000 bill landing on a credit card. If you want the mechanics of ceilings, excesses and sub-limits in full, how travel insurance works walks through them, and what travel insurance covers lists the guarantees one by one.
What should you compare travel insurance on, beyond the headline price?
Compare six things: the medical ceiling, whether the insurer settles bills directly, the upper age limit, whether cancellation is in the contract, the baggage cap and the trip-length cap. Price is the seventh, and it only means something once the first six match your trip.
- A medical ceiling of at least £250,000: That is the floor for Europe, and every plan with medical cover on our UK shelf clears it. For the USA or a long-haul trip, take the highest limit you can: one UK insurer told the Association of British Insurers (ABI) it paid over £1 million for a customer hospitalised in the USA and flown home.
- Direct settlement with the hospital: Four of the five products on our shelf have it. Without it you advance the money and claim it back, which is the difference between an inconvenience and a crisis.
- An upper age limit above your age: This is the quiet dealbreaker. Two of the three single-trip plans refuse a 66-year-old outright, whatever they are willing to pay.
- Cancellation, if the trip is expensive: Only WorldSecure Platinum carries it among the single-trip plans, up to about £7,500. On a cheap city break the cover is often not worth the premium.
- A baggage limit you can live with: Between about £960 and £1,700 on the UK shelf, and no separate cover for electronics. Value what is in your case before you decide this does not matter.
- A trip-length cap longer than your trip: Safe Start stops at 184 days and the WorldSecure plans run to a full year. A six-month sabbatical and a long weekend are not the same shopping exercise.
- Do not compare on the premium alone: The cheapest plan on this page pays nothing for a cancelled trip and refuses anyone over 39. It is cheap because it covers less.
- Do not assume children travel free: Every traveller is priced individually on our UK shelf, so a family of four pays four premiums.
- Do not read the medical figure as the whole cover: Search and rescue, travel delay and disability all carry their own, far smaller limits.
- Do not expect treatment back in the UK: None of these policies pays for follow-up care once you have landed. That is the NHS.
- Do not leave a medical condition undeclared: GOV.UK is explicit that failing to declare a condition or pending treatment may invalidate the policy entirely.
- Do not book a trip the FCDO advises against: Travelling where the Foreign, Commonwealth and Development Office advises against all or all but essential travel can void your cover.
Is holiday insurance different from travel insurance?
No. Holiday insurance is the everyday British name for travel insurance, and the two words describe the same contract: emergency medical cover abroad, repatriation, baggage and, on some policies, cancellation. Nothing in the cover changes with the word you type.
The habit is worth knowing because it shapes what people search for. British readers say holiday insurance; insurers, regulators and their own policy documents say travel insurance. Search either on HelloSafe and you land on the same five UK products, because the shelf is the shelf whatever it is called.
Two distinctions matter far more than the label. The first is single trip against annual multi-trip: a single-trip policy covers one journey with fixed dates, an annual policy covers every trip you take in twelve months and caps how long each one may last. The second is a full policy against a cancellation-only policy: Safe Cancel protects the money you have already paid and carries no medical cover at all, which makes it a complement to a travel policy rather than a replacement.
One more piece of British vocabulary is worth translating. The excess is the first slice of a claim you pay yourself, and it is the figure most likely to turn a £300 baggage claim into a £100 payout. Read it next to the limit, never instead of it, and treat a suspiciously cheap quote as an invitation to check the excess before the ceiling.
Why do two quotes for the same trip come back so different?
Because four inputs decide a travel insurance quote: the age of every traveller, the trip dates, the destinations and the options you tick. Change one and the shelf changes. At 66, two of our three single-trip plans stop quoting outright; tick extreme sports and only one plan is left.
That is why a quote is not a price list. On 22 September 2026, ticking the extreme sports option on a week in Spain removed WorldSecure Basic and Safe Start from the results entirely and left WorldSecure Platinum at £33.82, against £32.28 for the same trip without the option. The tick is not an upsell, it is a filter: it stops the engine showing you a policy that would refuse the claim.
- Enter your country of residence and your destinations
Residence decides which insurers may sell to you at all, and the destinations decide the price. Our engine prices the actual countries you enter rather than a fixed region tier. - Give the real dates
Trip length is priced day by day, and each plan carries a maximum: 184 days on Safe Start, a full year on the WorldSecure plans. - Add every traveller and their age
Ages are priced individually, children included, and one traveller over a plan's age cap removes that plan for the whole party. - Tick the options that apply to your trip
Extreme sports and cancellation narrow the shelf to the plans that genuinely cover them. Ticking the extreme sports option in the comparator is what declares the sport. - Read the benefit tables, not just the prices
The cards show the medical ceiling, the baggage cap and the cancellation limit side by side, which is where two similar premiums stop being similar. - Buy and keep the certificate
Cover starts on the date you set and the certificate arrives by email, which is what a consulate or a hotel will ask to see.
A comparison is only worth the benefit tables behind it. HelloSafe takes no paid placement and no insurer can pay to rank higher, so the premium on a card is the insurer's own price for the trip you entered, not a negotiated position. That is also why the cheapest card is not automatically first: the order on this page follows the cover, not the commission.
Europe or worldwide: which region should you buy?
Buy the narrowest cover that includes every country on your itinerary. Most UK insurers sell fixed region tiers, usually Europe, worldwide excluding the USA and Canada, then worldwide including them. The plans on our shelf are priced per destination instead, so the countries you enter set the price.
The gap that tiering exists to capture is real and we can measure it. On 22 September 2026 the cheapest plan quoted £16.26 for a week in Spain and £41.39 for a fortnight in the USA, and £54.70 for a month across Thailand, Vietnam and Indonesia. Per day, North America is the expensive destination and south-east Asia is not, which is the opposite of what most people assume from the distance alone.
Two practical consequences. A multi-country route needs one policy, not one per border: a single plan covered all three Asian countries in our tests, so worldwide travel insurance is a question of entering the whole itinerary rather than of buying several contracts. And if the USA is on the list, the medical ceiling is the entire decision, which is why travel insurance for the USA is worth reading before you pick a plan. A driving holiday across borders has its own traps, covered in road trip travel insurance.
At what age does each UK policy stop quoting you?
WorldSecure Basic stops at 39, WorldSecure Platinum at 65 and Safe Start at 69. We tested each plan year by year on 22 September 2026: past 69 the only products still quoting from a UK residence are the annual policy Safe World and the cancellation-only Safe Cancel, both to 79.
Plan | Oldest traveller we could quote | What it means |
|---|---|---|
WorldSecure Basic | 39 | Refused from 40. The cheapest plan is effectively a young traveller's policy. |
WorldSecure Platinum | 65 | Refused from 66. You lose cancellation and extreme sports cover with it. |
Safe Start | 69 | The only single-trip plan still quoting between 66 and 69, at £39.42 for a fortnight in Spain. |
Safe World Annual multi-trip | 79 | Quotes from 70 to 79, at £339.98 a year against £241.43 at 34. Refused at 80. |
Safe Cancel Cancellation only | 79 | Age does not move the price: £94.40 on a £2,000 trip at 34 and the same at 72. |
Age matters more than the table suggests, because it moves the claim as well as the premium. The ABI's 2024 claims data puts the average travel claim at £518 for a traveller aged 36 to 40 and £1,830 for one aged 71 to 75. That is the arithmetic behind the refusals. If you are over 65, start from senior travel insurance, and if there is a condition to declare, travel insurance with pre-existing medical conditions explains what a declaration changes.
Does a GHIC replace holiday insurance in Europe?
No. A UK Global Health Insurance Card (GHIC) gives you state healthcare in the EU on the same terms as a local resident, and nothing else. It does not pay for private treatment, for a flight home, or for mountain rescue, which are the three things that make a bill large.
- A flight home: Repatriation is the single most expensive line in a serious claim and the GHIC does not touch it. Four of the five products on our UK shelf pay it at actual cost.
- Private hospitals and clinics: The card only works inside the state system. In much of southern Europe the nearest clinic to a resort is private.
- Mountain rescue: GOV.UK names this explicitly. On our shelf, search and rescue is covered between about £2,500 and £4,200.
- Anything that is not medical: A cancelled trip, stolen luggage, a missed departure: none of it is healthcare, so none of it is a GHIC matter.
- Anywhere outside the EU: The card is a European arrangement. It does nothing in the USA, in Thailand or on a cruise in international waters.
Carry both. The card removes the up-front friction in a state hospital; the policy covers what the card was never designed to. The NHS issues the GHIC free of charge, and our GHIC card guide sets out which countries accept it and what changed after the EHIC. Anyone telling you a card is enough for a skiing week in the Alps has not read either document.
Where can you cut the price without losing the protection that matters?
Cheap travel insurance is worth buying when the saving comes from cover you genuinely do not need, and dangerous when it comes from the medical ceiling. On our UK shelf the honest saving is about £16 against the mid-priced plan on a European week, and it costs you cancellation cover and half the baggage limit.
- Drop cancellation on a cheap trip: If the whole holiday cost a few hundred pounds, the cancellation guarantee is the first thing to give up.
- Match the trip length exactly: A 30-day policy for a 10-day holiday is money spent on days you will not travel.
- Price the countries you are going to, not the widest list: A European week costs roughly half the same cover for a US trip of twice the length.
- Buy one policy for the whole route: A single plan covered a 30-day trip through Thailand, Vietnam and Indonesia in our tests, so three separate policies would be a waste.
- Check the annual policy before your third trip: Safe World quotes £241.43 a year, which beats buying the mid-priced single-trip plan from about the eighth holiday.
- Cutting the medical ceiling to save a few pounds: The gap between the plans here is about £23 on a week in Spain. A hospital stay in the USA can run past £150,000.
- Buying a plan that refuses your age: A quote you cannot actually complete is not a cheaper quote.
- Skipping the extreme sports option to save money: Two of the three single-trip plans exclude sports entirely; the third prices the option at about £1.54 on a week's trip.
- Assuming a packaged bank account is free cover: It is paid for in the monthly account fee, and NatWest charges £75 a year per person once a holder reaches 70.
There is one place a cheap policy is genuinely the right answer: a short European break, under 40, with nothing prepaid. That is precisely the trip WorldSecure Basic is built for. For everything else, compare the ceiling before the premium. The best travel insurance in the UK goes through the shortlist plan by plan.
Is a multi-trip policy cheaper than buying each holiday separately?
Safe World, the annual multi-trip policy on our UK shelf, costs £241.43 a year against £16.26 for a single European week. It pays for itself at roughly eight trips a year against the mid-priced single-trip plan, and closer to fifteen if you would otherwise buy the cheapest cover every time.
That break-even is higher than most people expect, and it is the number to run before you buy an annual policy out of convenience. Two or three holidays a year is single-trip territory. The case for the annual policy is rarely the arithmetic alone: it carries cancellation cover of about £10,000 for every trip you book, the same medical ceiling as Safe Start, and it keeps quoting to 79, which no single-trip plan on our shelf does. Annual travel insurance sets out the per-trip day limits, which are the real constraint: an annual policy that caps each trip at 30 days does not cover a two-month sabbatical.
The same logic decides the long-stay question. A month across three countries priced at £54.70 on a single-trip plan in our tests, and three months in Thailand at £115.30, both of them under the annual price and both covering the whole route. Backpacker travel insurance goes into the trip-length caps that decide whether a single policy can stretch that far.
Can you insure only the money you have already paid?
Yes. Safe Cancel is a cancellation-only policy on our UK shelf: it refunds your trip price up to about £10,000 and pays up to about £10,000 if the stay is cut short. It carries no medical cover, no repatriation and no baggage cover at all, so it sits alongside a travel policy rather than replacing one.
It is priced on the money at risk rather than on the traveller, which is unusual and useful. A £2,000 trip quoted £94.40 on 22 September 2026, and the same trip quoted the same £94.40 for a 72-year-old. Its own summary describes all-causes cancellation, including a relapse or worsening of an existing illness, and it can be bought up to the day before departure, for trips of up to 180 days and travellers up to 79.
Which route makes sense depends on where the risk sits. A £400 city break barely justifies either option. A £6,000 family holiday booked ten months out is exactly the case for cancellation cover, whether that is WorldSecure Platinum's built-in guarantee, Safe World's for a frequent traveller, or a standalone policy on top of a cheap medical plan. Trip cancellation insurance sets out the covered reasons and the excess that applies to each.
Does your packaged bank account already cover the trip?
Often, partly. A packaged current account usually includes family travel cover in its monthly fee, but it is the account's policy that applies, not yours, and the two places it thins out are age and pre-existing conditions.
NatWest asks holders aged 70 or over to buy an age-extension upgrade at £75 a year per person; Nationwide has since dropped the equivalent fee on its own packaged account, which is a reminder that these terms move and last year's comparison is not this year's. Pre-existing conditions are never automatic: Which? notes that you still have to disclose them, and the bank can load the price or decline the condition. Neither of those is visible on a monthly statement, which is why account holders discover it at the claim.
Two checks settle it in five minutes. Find the account's policy document and read the medical ceiling and the upper age; then read whether the cover is single-trip or annual, and how many days per trip it allows. If the ceiling is below £250,000, or the trip is longer than the account allows, put a policy on the trip and keep the account cover for short breaks. We do not run a credit card comparison tool for the UK market, so this is a check to do against your own bank's documents, and then a quote to run here with the dates you actually have.
What can invalidate a UK policy after you have paid for it?
A valid policy can still pay nothing. The four common reasons are an undeclared medical condition, travelling against FCDO advice, an activity the plan excludes, and buying the cover after the reason to claim already existed.
- An undeclared condition or pending test: GOV.UK warns that failing to declare something may invalidate the policy, not just the claim related to it.
- Travelling where the FCDO advises against it: Check the warnings and insurance section of the destination's travel advice page before you book, not after.
- An activity the plan excludes: Skiing, diving and climbing are out by default on two of the three single-trip plans. Tick the extreme sports option when you compare and the engine only returns plans that cover them.
- Buying after the event is foreseeable: Cancellation cover starts when the policy starts. A strike announced before you bought is not a surprise to the insurer.
The practical rule is to buy when you book, not when you pack: cancellation cover only protects the money you have already committed if the policy exists when the reason appears. You can still buy on the morning you fly, and last minute travel insurance explains what you lose by waiting. When something does go wrong, making a travel insurance claim covers the deadlines and the documents, which is where most refused claims are actually lost.
Two more reads are worth the ten minutes before you decide. Baggage insurance matters if you travel with equipment worth more than the caps above, and for anything involving a slope or a rope, start from extreme sports travel insurance.
Compare travel insurance: the questions UK travellers ask us
From £16.26 for one adult aged 34 on a seven-day trip to Spain, rising to £39.42 for the plan with the highest medical ceiling. Those are real quotes captured on 22 September 2026 from a British residence. A couple on a ten-day trip paid between £58.14 and £96.85 for the same three single-trip plans.
Yes. Holiday insurance is the everyday British name for the same product: emergency medical cover abroad, repatriation, baggage and, on some plans, cancellation. Insurers and their policy documents use travel insurance as the formal term, and nothing in the cover changes with the word.
All of the ones that actually quote for your trip, which on our UK shelf is rarely more than three single-trip plans. The number that matters is not how many quotes you collect but how many of them clear your medical ceiling, your age and your trip length. Those three filters usually leave one or two.
Yes. A GHIC covers state healthcare in the EU on the same terms as a local resident. It does not pay for a flight home, private treatment or mountain rescue, and it covers nothing outside healthcare or outside the EU. GOV.UK is explicit that the card is not a substitute for insurance.
At least £250,000 for Europe, and the highest figure available for the USA or a long-haul trip. Our UK shelf offers about £250,000 on the two WorldSecure plans and about £420,000 on Safe Start and Safe World. GOV.UK cites £150,000 and up for a stomach infection treated in hospital in the USA.
79, on the annual policy Safe World and on the cancellation-only Safe Cancel. Among single-trip plans, Safe Start quotes to 69, WorldSecure Platinum to 65 and WorldSecure Basic to 39. We tested each plan age by age on 22 September 2026.
Yes, up to the day you travel on the single-trip plans and up to the day before departure on Safe Cancel. But cancellation cover only applies to reasons that arise after the policy starts, so buying at the moment you book is what protects the deposit.
Yes. A 30-day route through Thailand, Vietnam and Indonesia priced from £54.70 on a single policy in our tests. You do not need one policy per border, only a plan whose destinations and trip-length limits cover the whole route.
Only WorldSecure Platinum. With the extreme sports option ticked, it quoted £33.82 for a week in Spain and was the only plan the engine returned, against £32.28 for the same trip without the option. The other two single-trip plans exclude sports outright, so the tick is also a filter.
From roughly eight trips a year against the mid-priced single-trip plan. Safe World quotes £241.43 a year for a 34-year-old and £339.98 from 70 to 79, and it adds cancellation cover of about £10,000 per trip that no single-trip plan except WorldSecure Platinum carries.
The price is the same. HelloSafe takes no paid placement and no insurer can pay to rank higher, so the premium you see is the insurer’s own price for the trip you entered. What a comparison adds is the benefit tables side by side, which is where the real difference between two similar prices sits.
GOV.UK warns that failing to declare an existing condition, or pending treatment or tests, may invalidate your travel insurance. That is broader than refusing one claim: the insurer can treat the whole policy as void, including the parts unrelated to the condition.
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