Thursday, 28 May 2020

Travelling to the UK Without Medical Insurance

Written by Iqra Naveed Posted On Monday, 30 March 2020 05:40

If you are travelling to the UK, then you need to have travel insurance. Even the British also choose to have insurance while going into the country. No matter, which is the location of your trip, you need to make sure that you are fully covered. In this article, we are going to find out whether you need travel insurance while travelling to the UK and what it covers.

Travel Insurance for Domestic Flights

No matter, if you are travelling thought domestic flights, you need to have insurance for your holidays in the UK. There are lots of incidents such as stolen property, travel disruptions which can happen during your trip. So, it is essential that you are covered during the journey. There are lots of insurance policies which includes your lost luggage which is very common while travelling inside the UK or abroad.

Who Need Insurance?

Whether you are going to the UK for business purposes or holidays, travel insurance can be helpful. However, it depends on the frequency of your travel that whether you need a single trip or annual cover.

What UK Insurance Cover?

Most of the policies include:

Cancellation Cover

Cancelling your trip can cost you a lot of money if you have paid for transport and accommodation. There can be many situations where you may need to cancel your travel plan, for example, if someone in your family gets ill. In such a scenario, insurance will cover the cancellation, and you can get your money back.

Travel Delays

If you have to book your transport in advance such as planes, coaches – travel insurance will cover any delay or cancellation. If you cancel your trip due to other reasons, then the transport providers will not refund your money. So, in such case, travel insurance is what you need to have peace of mind.

Possessions Cover

The insurance will cover all of your belongings while travelling to the UK. This type of insurance is designed to protect your expensive portable items such as mobile phone, jewellery, tablet etc. Furthermore, it also covers your passport if you lost it or got stolen. However, in some cases, it is difficult to claim insurance money. In such cases, get help from an insurance solicitor to claim it.


Well, you do not need to worry about any injury or illness while in the UK thanks to NHS. However, depending on your location, issues can arise. Some of the insurance policies only cover the cost of transferring you to the nearest hospital and the cost of travel for your family or friend to accompany you.

What Does it Not Cover?

Your travel insurance does not cover some things. For example, some of the travel insurance only includes an area of 50 miles away from your home. Hence, you need to make sure to get travel insurance depending on the location. Furthermore, travel insurance does not cover your stay with your family. So, carefully read the insurance policy.

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