Popular destinations get a Holiday Stress Score out of 100, rating how likely you are to run into something that travel insurance covers, and how costly it would be to sort out. Search your destination for a preview, or open the full tool.
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Tell us about your trip and get a personalised briefing: your destination's risks, the latest alerts, and a checklist of what your cover should include. General guidance to help you travel prepared, never a sales pitch.
FCDO warnings, insurance updates, health alerts and natural-hazard news, the things that can move a country's score or affect your cover.
Short, practical guidance on the parts of a trip that go wrong quietly. Here are four of the commonest insurance mistakes, with the rest on the tips pages.
Leaving it until the airport
Cancellation cover starts the day you buy, so buy as soon as you book, not the week you fly. Many insurers won't cover you at all once your trip has already started.
Not declaring a medical condition
Skipping a pre-existing condition to save a few pounds can void your entire medical claim. It's the single biggest cause of rejected claims.
Ignoring FCDO advice
Travel to an area the FCDO advises against and a standard policy can be void entirely, even for something unrelated to the warning.
Focusing on baggage, not the big stuff
A lost bag is annoying; an air ambulance is ruinous. Check the medical and repatriation limits are high before you compare luggage cover.
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