Travel
Annual multi-trip policies and the trip-length trap
Annual cover is usually better value past three trips, and it fails quietly on the one long trip of the year.
Travel
Medical limits, pre-existing conditions, activities and repatriation.
21 articles · updated August 11, 2026 · page 1 of 2
Travel
Travel cover: the medical limit is the only number that matters
Baggage limits are trivial next to the cost of an air ambulance. Most travellers compare the wrong figure.
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Travel
Cancellation cover pays for reasons on a list, not for changed minds
Travel cancellation is one of the most misunderstood benefits in insurance: it responds to specified events, not to disappointment.
Travel
Baggage claims are settled after depreciation
A three-year-old suitcase of clothes is worth far less than the cost of replacing it, and travel policies pay the former.
Travel
Airline failure is a different risk from travel insurance
When a carrier or tour operator collapses, the protection that helps you is usually a licensing scheme or a payment card right, not…
Travel
The alcohol exclusion is broader than being drunk
Travel policies exclude claims arising from alcohol, and insurers apply that clause to a wider set of situations than most…
Travel
Medical screening: how the questions actually work
The online health declaration is an underwriting interview compressed into a few dropdowns, and each answer narrows or widens your…
Travel
Delay, missed departure and abandonment are three separate benefits
A disrupted journey can trigger any one of three clauses, and each has its own trigger, evidence requirement and payout.
Travel
Repatriation is a medical decision, and it is not yours
The most expensive benefit in travel insurance is also the one where the policyholder has the least control over what happens.
Travel
Winter sports cover, off-piste and the helmet clause
Skiing extensions are cheap and narrow. What voids them is usually not the skiing but where and how it was done.
Travel
Age limits and pregnancy: where travel policies stop
Two of the most common reasons a traveller cannot buy standard cover have nothing to do with illness, and both are set by fixed…
Travel
Government travel advice can switch your policy off overnight
Many travel policies tie cover to official advice about a destination, which means a decision made in a capital city can invalidate…