Travel insurance can protect against some unexpected costs abroad. For visa applicants, the policy also needs to meet any insurance requirements set by the destination authorities.
Read the cover details
Check geographical coverage, travel dates, medical benefits, exclusions and the documents the insurer can issue. Requirements for a visa application should be confirmed with the relevant consulate.
Understand exclusions
Pre-existing medical conditions, certain activities and travel against official advice may affect coverage. Read the full policy wording rather than relying on a headline benefit.
Match the policy to the trip
Confirm the insurance covers all intended destinations and the period of travel. If plans change, ask the insurer whether the policy can be amended.
Keep evidence accessible
Save the policy schedule, emergency assistance number and claim instructions securely before departure.
For current UK travel guidance, consult the Foreign, Commonwealth & Development Office.