What are the best travel insurance options for the UK in 2025?
- The best travel insurance for UK
- Is it currently safe to travel to the UK?
- Is travel insurance required for a visa to the UK?
- Why take out travel insurance for the UK?
- What coverage is included in travel insurance for the UK?
- The cost of travel insurance for UK
- How to pay less for your travel insurance to UK
- Does my current insurance cover me in the UK?
- FAQ
Travel insurance for UK: key takeaways
1. Definition: Travel insurance for the UK covers medical emergencies, trip cancellation, and other unforeseen travel problems.
2. Key protection: Insurance is not required for US citizens but is vital for covering potential medical emergencies.
3. Healthcare cost: Healthcare is expensive; a single night in a UK hospital can cost over $600 for tourists.
4. Price: A one-week travel insurance policy for the UK typically costs between $30 and $60.
5. Good to know: Your standard US health insurance, including Medicare, likely offers no coverage in the United Kingdom.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share everything you need to know to choose the best travel insurance for the UK.
The best travel insurance for UK
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.0M | Comprehensive protection for travel to UK. - high medical coverage - repatriation included - reliable support network |
| Cap Assistance 24/24 | $1.0M | Excellent for trips to UK, especially city visits. - 24/7 medical helpline - trip cancellation - no deductible |
| Tourist Card | $0.5M | Well-suited for urban tourism and short stays in UK. - good medical limits - emergency assistant - accessible coverage |
| Travel Pass Monde | $0.7M | Ideal policy for frequent travelers or long stays in UK. - worldwide coverage - hospital costs covered - repatriation included |
| Globe Partner | $0.3M | Basic plan for essential medical needs in UK. - suitable for longer stays - includes repatriation - easy claims process |
| Globe Traveller | $0.5M | Affordable protection for short trips. - solid medical reimbursement - capped coverage - fast processing |
- high medical coverage
- repatriation included
- reliable support network
- 24/7 medical helpline
- trip cancellation
- no deductible
- good medical limits
- emergency assistant
- accessible coverage
- worldwide coverage
- hospital costs covered
- repatriation included
- suitable for longer stays
- includes repatriation
- easy claims process
- solid medical reimbursement
- capped coverage
- fast processing
Is it currently safe to travel to the UK?
As of June 2025, the US Department of State advises travelers from the United States to exercise increased caution in UK due to a continued risk of terrorism and isolated incidents of violence in certain locations.
Here are their four main recommendations.
- Security risks: attacks targeting public spaces such as transportation hubs, tourist sites, or major events remain possible. In Northern Ireland, isolated violence can affect local police or military targets, though the risk to visitors is low.
- Health risks: UK medical care is widely available but tourists are charged 150% of NHS rates. U.S. health insurance does not apply and emergency care costs can be significant without travel insurance.
- Legal requirements: a valid passport and an approved Electronic Travel Authorization (ETA) are required for all U.S. citizens before entry. Ensure your travel documents are kept safe, as loss or theft can disrupt your plans.
- Urban awareness: petty crime such as pickpocketing occurs in crowded places, especially around London attractions like Oxford Street or train stations. Stay alert in busy areas and watch your belongings.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in UK.
Is travel insurance required for a visa to the UK?
Travel insurance is not mandatory for travelers from the United States visiting the UK.
However, travel insurance is highly recommended. In the UK, tourists are charged 150% of NHS treatment costs and must pay full price for private care, which can add up quickly in the event of illness or accident. Having insurance ensures access to necessary medical care and protects against unexpected expenses.
According to our data, 50% of travelers purchase travel insurance before going to the UK. This rate reflects the generally safe environment and good healthcare system, but also the risk of expensive treatment for non-residents.
Why take out travel insurance for the UK?
It is an essential financial and medical protection for anyone going to UK.
Although the UK offers modern hospitals such as St. Thomas' Hospital in London, all tourists are charged 150% of NHS treatment costs and must pay private care at full price. Even routine medical care or emergency treatment can become very expensive for travelers from the United States, and immediate payment is often required before receiving services.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transportation, and emergency repatriation to the United States in case of a serious issue.
| Example of medical treatment | Cost at St. Thomas' Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | £4,200 (about $5,290) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | £3,100 (about $3,900) | Up to 100% |
| I need to be repatriated | £28,000 (about $35,250) | Up to 100% |
| I have appendicitis (consultation and surgery) | £6,600 (about $8,300) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What coverage is included in travel insurance for the UK?
Here is a summary table of the main coverages you should look for in a travel insurance policy for UK.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital treatment, and prescription drugs in case of sudden illness or accident. Recommended reimbursement limit: at least $150,000 for UK. |
| 🚑 Medical evacuation | Pays for transportation home or to another facility if specialized care is needed. Minimum recommended limit: $150,000 for UK. |
| ✈️ Trip cancellation | Reimburses for non-refundable bookings if you must cancel due to illness, accident, or other covered reason. We recommend at least $5,000 in trip cancellation cover. |
| 🛅 Baggage loss or delay | Covers your belongings if lost, stolen, or delayed by airlines. A recommended limit is $2,500 for baggage and personal effects. |
| 👨⚖️ Personal liability | Covers accidental injury or damage caused to others during your trip. We recommend at least $100,000 liability coverage for UK. |
| 🚧 Trip interruption | Reimburses unused, non-refundable travel expenses if your trip is cut short. We advise at least $5,000 of trip interruption cover. |
| 🦷 Dental emergency | Pays for urgent dental care if you suffer an accident. A typical minimum is $1,000 for dental emergencies in UK. |
| 📞 24/7 assistance | Provides round-the-clock multilingual support during emergencies. Check that your insurer includes 24/7 global assistance while traveling in UK. |
Recommended reimbursement limit: at least $150,000 for UK.
Minimum recommended limit: $150,000 for UK.
We recommend at least $5,000 in trip cancellation cover.
A recommended limit is $2,500 for baggage and personal effects.
We recommend at least $100,000 liability coverage for UK.
We advise at least $5,000 of trip interruption cover.
A typical minimum is $1,000 for dental emergencies in UK.
Check that your insurer includes 24/7 global assistance while traveling in UK.
Travel insurance from local providers or bank cards generally offers limited coverage, lower benefit limits, and more exclusions. It is safer to pick a trusted insurer with comprehensive coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for UK
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $28 |
| 2 weeks | 45 years old | $49 |
| 1 month | 35 years old | $80 |
| 1 month | 70 years old | $135 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance policy is influenced by several key elements. Be sure to consider your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like a cancellation option. Keeping these factors in mind will help you find the best policy for your needs and budget.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to UK
Here are some suggestions to optimize the cost of your travel insurance to UK while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🕓 Trip duration | The price depends on how many days you spend in UK, as longer stays increase risk and potential claims. | Choose the exact travel dates and avoid extra coverage days before arrival or after departure. |
| 👵 Traveller's age | Insurers often raise prices with age, especially above 60, though risk does not always change greatly with each year. | For seniors, Heymondo does not increase its prices for people over 62. Compare before booking. |
| 🧳 Level of coverage | High medical costs in the UK mean good coverage is essential, especially with NHS surcharges for foreign tourists. | Opt for a $100,000 or $250,000 medical limit; these are usually enough for the UK and lower the cost. |
| 💸 Deductible | Increasing your deductible often significantly lowers the premium. This is a manageable way to optimize cost. | Select a higher deductible if you are comfortable paying minor expenses yourself. |
| 🌍 Territorial scope | Some contracts add global coverage by default. For the UK, worldwide coverage is not necessary. | Choose “Europe only” or “UK only” plans for better pricing than worldwide coverage. |
| 👨👩👧👦 Family/group | Group or family travel can sometimes be insured under a single contract, providing discounts. | Bundle the policy for families or groups if insurers offer significant savings compared to individuals. |
| 🔄 Cancellation flex | Plans with flexible cancellation or extension may cost more, though basic, non-refundable plans fit many trips. | Consider a non-changeable, non-refundable policy for shorter stays to keep the premium down. |
Does my current insurance cover me in the UK?
It is reasonable to wonder if your current insurances, such as credit card coverage or your public health system, will cover you during your trip to the UK. Unfortunately, these options often have substantial limitations or exclusions for international travel, especially for healthcare and emergencies. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in UK? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No reimbursement for care abroad. No payment for UK medical or hospital costs. | Travel insurance covers $100,000+ for hospitalization, repatriation, and emergencies. |
| Private health insurance | Yes, partly | Some plans pay up to $25,000 for care. Repatriation and upfront payments often excluded. | Travel insurance provides $100,000+ and full repatriation, even for long hospital stays. |
| Classic credit card (Chase Freedom, Capital One Platinum, Amex Blue) | Yes, partly | Emergency medical fees under $10,000. Little or no baggage, trip delay, or cancellation cover. | Travel insurance covers $100,000+, trip cancellation, and higher baggage protection. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical expenses up to $50,000–$100,000, some trip delay and baggage loss coverage. | Travel insurance pays $100,000+, evacuation, and higher guarantees across all risks. |
Example
While hiking in Scotland, an American tourist suffered a severe fall, requiring a private air ambulance back to the US for surgery. The cost was $60,000. His Chase Sapphire card's travel insurance had a $25,000 limit, and his US health plan didn't cover medical evacuation, leaving him to pay the $35,000 difference.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe a dedicated travel insurance tailored to the trip.
FAQ
Do I need a visa to travel to UK?
U.S. citizens do not need a visa for tourism, family visits, business, or short-term study in the UK for up to six months. However, starting January 8, 2025, an Electronic Travel Authorization (ETA) is required. Your U.S. passport must be valid for your entire stay in the UK.
How do I purchase travel insurance for UK?
First, compare travel insurance policies using the HelloSafe travel insurance comparison tool. Review each plan for coverage and exclusions relevant to UK travel, such as medical care and travel disruptions. Once you select the right policy, purchase it online. After payment, you will receive your insurance certificate by email.
Will my travel insurance cover healthcare expenses in the UK?
Yes, travel insurance generally covers emergency health costs, which is important because international visitors are charged 150% of National Health Service (NHS) rates. Coverage often includes hospital stays, doctor visits, and emergency evacuation. Check your policy’s exclusions for pre-existing conditions or non-emergency treatments.
What do I do if my baggage is lost or stolen in the UK?
Most travel insurance plans include coverage for lost, stolen, or damaged baggage. You will need to file a report with the local police or your airline and keep written documentation. Insurers typically reimburse you for lost valuables up to your policy’s limit, often between $500 and $2,000.
Does travel insurance for the UK include coverage for delayed or cancelled flights?
Comprehensive travel insurance policies may reimburse you for expenses caused by significant travel delays or cancellations, including meals, lodging, and rescheduled transport. Review your policy to see what is required for a claim, such as delay duration and receipts for incurred expenses.
Are adventure sports or driving in the UK covered by travel insurance?
Standard travel insurance may exclude high-risk activities such as extreme sports or renting and driving vehicles. If you plan to cycle, hike, or drive in the UK, check for relevant activity coverage or purchase an additional policy rider. Always carry your insurance documents in case of accidents.
Do I need a visa to travel to UK?
U.S. citizens do not need a visa for tourism, family visits, business, or short-term study in the UK for up to six months. However, starting January 8, 2025, an Electronic Travel Authorization (ETA) is required. Your U.S. passport must be valid for your entire stay in the UK.
How do I purchase travel insurance for UK?
First, compare travel insurance policies using the HelloSafe travel insurance comparison tool. Review each plan for coverage and exclusions relevant to UK travel, such as medical care and travel disruptions. Once you select the right policy, purchase it online. After payment, you will receive your insurance certificate by email.
Will my travel insurance cover healthcare expenses in the UK?
Yes, travel insurance generally covers emergency health costs, which is important because international visitors are charged 150% of National Health Service (NHS) rates. Coverage often includes hospital stays, doctor visits, and emergency evacuation. Check your policy’s exclusions for pre-existing conditions or non-emergency treatments.
What do I do if my baggage is lost or stolen in the UK?
Most travel insurance plans include coverage for lost, stolen, or damaged baggage. You will need to file a report with the local police or your airline and keep written documentation. Insurers typically reimburse you for lost valuables up to your policy’s limit, often between $500 and $2,000.
Does travel insurance for the UK include coverage for delayed or cancelled flights?
Comprehensive travel insurance policies may reimburse you for expenses caused by significant travel delays or cancellations, including meals, lodging, and rescheduled transport. Review your policy to see what is required for a claim, such as delay duration and receipts for incurred expenses.
Are adventure sports or driving in the UK covered by travel insurance?
Standard travel insurance may exclude high-risk activities such as extreme sports or renting and driving vehicles. If you plan to cycle, hike, or drive in the UK, check for relevant activity coverage or purchase an additional policy rider. Always carry your insurance documents in case of accidents.
