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The best travel insurance plans for a trip to the UK are Allianz’s OneTrip Prime, GeoBlue’s Voyager Choice, IMG’s iTravelInsured Choice, and VUMI’s Single Trip plan. GeoBlue and VUMI’s options offer comprehensive travel medical coverage while Allianz and IMG have comprehensive mishap protection.
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Are you traveling to England soon and need help picking the right travel insurance plan for your trip?
By the end of this article you should feel more prepared to pick the plan that works for you. We’ll discuss 4 of the best travel insurance plans on the market, and we’ll give you some tips on how to compare them effectively.
It may also be helpful for you to better understand how the healthcare system works in the United Kingdom and to read our core article introducing The 5 Best Travel Insurance Companies before you choose.
The 4 Best Travel Insurance Plans that Cover the UK
The 4 best travel insurance plans for a trip to the United Kingdom are by Allianz Travel, GeoBlue, IMG, and VUMI. Some plans focus on benefits for your trip expenses and belongings while others focus more on travel medical coverage. Most plans have some benefits for both.
We’ve taken one plan by each provider to compare, though most providers offer numerous plans with varying tiers of coverage that you can also consider selecting as your UK travel insurance plan.
To compare the plans below, we will use a scenario of a thirty year old female traveling to the UK for 10 days in July. Her estimated trip cost total is $2,500. All monetary values are in US dollars (USD).
Allianz Travel – OneTrip Prime
Allianz Travel’s OneTrip Prime is a single trip travel insurance plan focused on covering trip expenses, such as trip cancellations, interruptions, and delays, lost or delayed baggage, trip change protector, and more. A 10 day trip to the UK for a 30 year old female can cost around $136.
As the most preferred plan by Allianz travelers, OneTrip Prime offers intermediate coverage with both a more basic and a more comprehensive plan available. Allianz also offers an Emergency Medical plan and Cancellation Plus plan, not to mention 4 multi-trip plans.
| Allianz Travel – OneTrip Prime Plan Benefits | |
| Benefit Description | Covered by Plan |
| Trip Mishap Benefits | |
| Plan Cost for a 10 Day Trip | $136 |
| Lost Baggage | $1,000 |
| Baggage Delay | $300 |
| Trip Interruption | $3,750 |
| Trip Cancellation | $2,500 |
| Trip Change Protector | $500 |
| Travel Delay | $800 |
| Concierge | Included |
| 24/7 Global Hotline and Support | Included |
| Cancel Anytime | Optional Upgrade |
| OneTrip Rental Car Protector | Optional Upgrade |
| Medical Benefits | |
| Medical Emergency Plan Maximum | $50,000 |
| Emergency Medical Evacuation | $500,000 |
| Epidemic Coverage | Included |
| Dental Care Due to Emergency | $750 |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
GeoBlue – Voyager Choice
GeoBlue’s Voyager Choice is a single trip travel medical insurance plan boasting comprehensive inpatient, emergency, dental, and prescription coverage. Travelers in the UK can select their medical maximum from $50,000 – $1,000,000, and the plan can cost from $13.70 – $25.60 for a 10 day trip.
GeoBlue also offers an annual Multi-Trip Plan – Trekker Choice, and two long-term expat medical insurance plans – Xplorer Essential and Xplorer Premier.
GeoBlue is a leading travel and medical insurance provider for travelers and expats worldwide. With a network of providers spanning more than 180 countries and 1.7 million providers, GeoBlue provides travelers with reliable, experienced, comprehensive coverage.
| GeoBlue – Voyager Choice Plan Benefits | |
| Benefit Description | Covered by Plan |
| Medical Benefits | |
| Medical Maximum Plan Limit | $50,000; $100,000; $500,000; or $1,000,000 |
| Medical Deductible Options | $0; $100; $250; or $500 |
| Plan Cost for a 10 Day Trip | $13.70 – $21.50 |
| Plan Cost for a 10 Day Trip With Pre-Existing Conditions | $14.90 – $25.60 |
| Surgery, Anesthesia | 100% |
| In-Hospital Doctor Visits | 100% |
| Diagnostic X-Ray and Labs | 100% |
| Inpatient Medical Emergency | 100% |
| Ambulatory Services | 100% |
| Outpatient Prescription Drugs | 100% |
| Physical and Occupational Therapy | 6 Visits, $100/visit |
| Dental Care Due to Injury | 100% up to $500 |
| Dental Care Due to Pain | 100% up to $250 |
| COVID-19 Tests, Diagnoses, and Treatments | Covered |
| Pre-Existing Conditions | Covered |
| Accidental Death and Dismemberment | $50,000 |
| Repatriation of Remains | $25,000 |
| Emergency Medical Evacuation | $500,000 |
| Hazardous Activities (Downhill Skiing and Scuba Diving) | $25,000 |
| 24/7 Global Health Access and Support | Included |
| Telemedicine Virtual Visits | Included |
| Emergency Family Travel Arrangements | $2,500 for one round trip flight |
| Trip Mishap Benefits | |
| Lost Baggage | $500 per trip |
| Post Departure Trip Interruption Transportation | $1,000 |
| Post Departure Trip Interruption Quarantine Lodging and Incidentals | $50/day up to 10 days |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
IMG – iTravelInsured Choice
IMG’s iTravelInsured Choice is a single trip travel insurance plan ideal for individuals, families, and couples seeking coverage for common mishaps like trip cancellation, interruption, delay, lost baggage, and emergency care. A 10 day trip to the UK for a 30 year old American woman can cost $78.08.
iTravelInsured Choice is IMG’s most popular plan, but the iTravelInsured series also has a Lite plan (which has less coverage than Choice) and the SE and LX (which have more comprehensive coverage). The iTravelInsured Sport option is designed for adventures in mind.
IMG’s Patriot Lite, Patriot Plus, and Patriot Platinum plans are travel medical insurance plans designed specifically for coverage within the USA.
| IMG – iTravelInsured Choice Plan Benefits | |
| Benefit Description | Covered by Plan |
| Trip Mishap Benefits | |
| Plan Cost for a 10 Day Trip | $78.08 |
| Lost Baggage | $1,000 |
| Baggage Delay | $300 |
| Sporting Equipment Rental | $250 |
| Missed Connection | $500 |
| Trip Interruption | 150% of Trip Cost |
| Trip Cancellation | 100% of Trip Cost |
| Travel Delay | $150/day ($1,000 max/person) |
| 24/7 Global Hotline and Support | Included |
| Medical Benefits | |
| Medical Emergency Plan Maximum | $100,000 |
| Dental Care Due to Emergency | $750 |
| Emergency Medical Evacuation | $500,000 |
| Repatriation of Remains | $500,000 |
| Accidental Death & Dismemberment | $10,000 |
| Political or Personal Security Evacuation | $100,000 |
| Natural Disaster Evacuation | $100,000 |
| Emergency Prescription Replacement | Covered |
| Pre-Existing Conditions Coverage | Available |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
VUMI – Single Trip Travel Insurance
VUMI’s Single Trip Travel Insurance plan offers travel medical coverage for one round trip. This plan covers comprehensive medical inpatient and outpatient care, and they offer optional Non-Medical and Trip Cancellation riders. A 10 day trip to the UK for a 30 year old female can cost $100.33.
This policy can be extended as many times as needed up to 365 consecutive days of coverage.
Children under age 2 are eligible for free coverage and individuals up to age 70 can be insured via VUMI’s travel insurance plans.
VUMI also offers an annual travel insurance plan.
| VUMI – Single Trip Travel Insurance Plan Benefits | |
| Benefit Description | Covered by Plan |
| Medical Benefits | |
| Medical Maximum Plan Limit | $5,000,000 |
| Plan Cost for a 10 Day Trip | $100.33 |
| Hospitalization | 100% |
| Outpatient and Specialist Visits | 100% |
| Prescription Drugs | 100% |
| Emergency Dental Care | Covered |
| Pre-Existing Conditions | $500,000 for stable pre-existing conditions |
| Emergency Medical Evacuation | Covered |
| 24/7 Global Health Access and Support | Included |
| Non-Medical Rider Benefits | |
| Lost, Theft, Delayed, or Stolen Baggage | Covered |
| Trip Delay or Missed Connection | Covered |
| Passport or Cash Theft | Covered |
| Accidental Death and Dismemberment | Covered |
| Daily Hospital | Covered |
| Legal Assistance | Covered |
| Personal Liability | Covered |
| Trip Cancellation Rider Benefits | |
| Trip Cancellation Due to Acute Illness, Injuries, or Death | Covered |
Get a quote for this travel insurance plan online or by contacting our insurance experts.
How to Compare Travel Insurance Plans Effectively
Travelers heading to the UK should compare their travel insurance options by considering the financial stability of an insurer, how their coverage levels vary, how various factors like age and length of trip affect the plan cost, and several other aspects of insurance plans.
It can take time to learn how to compare travel insurance plans effectively, so this section should get you started on some key points to consider and compare:
- Financial stability of the insurance company. What types of performance rankings does this insurance company have? Do they have financial reliability?
- Differences between coverage levels. Many providers have various tiers of coverage for a type of plan. For example, they may have basic, intermediate, and comprehensive packages, and the types of benefits will increase with each tier level you upgrade.
- Compare the factors that determine premium costs. There are many factors that determine your plan cost, so be sure to compare how your destination, trip length, cancellation benefits, number of travelers, cost of your trip, age, and more change your premium cost.
- Determine which benefits are included and excluded by your plan. Not every plan will cover the same benefits, so definitely compare the coverage included for travel medical, trip cancellation, lost baggage and stolen luggage, rental car coverage, and more.
- Short-term vs. long-term travel insurance coverage. Is each plan designed to cover short term travel (typically less than 12 months) or long-term travel (over a year)?
- Benefits for traveling with children. If you are traveling with children, does this plan cover them for free or at a discount? Some providers, like Allianz, will provide coverage to children under 18 years old free of charge.
- Coverage overseas vs. in the United States. Does your plan include worldwide coverage? Does it include or exclude the United States? Where do you need coverage?
- Coverage for multiple trips in the same year. Do you expect to have multiple trips in the same year? Would it be more beneficial to buy a single trip plan or multi trip plan to cover all other travels as well?
- Determine your priorities. What’s more important to you: Saving money or protecting your peace of mind? The answer will be different for everyone.
- Are you a planner or spontaneous traveler? Depending on who you are and how you like to travel, you may prefer different benefits. Planners may want strong trip cancellation and interruption benefits. Spontaneous travelers may want a more flexible plan with fewer prepaid expenses and adventure sports coverage.
How a Broker Can Help Travelers Secure Travel Insurance
Brokers can save travelers time and money by aiding in the research and comparison process and by using their market knowledge to find you the best deals available. Travelers heading to Indonesia should purchase their insurance plans through a broker instead of directly from the insurance company.
Here are some benefits travelers get from using an insurance broker:
- You get access to more insurance choices.
- You get experienced insurance experts researching your situation for you.
- You get access to the most cost-effective plans available.
- You get assistance when submitting claims for reimbursement.
- You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose.
There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right United Kingdom travel insurance plan for your budget and needs. Contact us to learn more!
Frequently Asked Questions
Is travel insurance required for visiting the UK?
Travel insurance isn’t mandatory for entering the UK, but it is highly recommended to cover unexpected medical expenses, trip cancellations, or lost belongings. Travelers never know what mishaps will occur during their travels, and many prefer to travel with the peace of mind that they’re covered.
What should a good travel insurance policy for the UK include?
A comprehensive travel insurance policy for a trip to the United Kingdom should cover medical expenses and emergency evacuation, trip cancellations or interruptions, lost, stolen, or damaged belongings, delayed or missed flights, and/or personal liability coverage.
Does travel insurance cover healthcare costs in the UK?
Travel insurance often covers private healthcare costs or emergency treatment for travelers visiting the United Kingdom. The UK has the NHS (National Health Service), but visitors are typically charged for most services unless covered by reciprocal agreements (such as for some EU citizens).
How do I file a claim if something goes wrong during my UK trip?
Travelers to the UK can file a claim to their travel insurance company by contacting their insurer immediately, gathering all supporting documents (receipts, police reports, medical records), submitting the claim form online or via the insurer’s mobile app, and keeping copies of all correspondence.
Can I get coverage for pre-existing medical conditions on a trip to the UK?
Many travel insurance companies offer coverage for pre-existing conditions, including to the United Kingdom, but you must declare them when purchasing the policy. There may be additional costs, and some conditions could have limitations. Be sure to know your exclusions before buying.
Conclusion
It can be overwhelming to figure out which travel insurance plan is the best deal. This article has gone over the best travel insurance plans visitors to the UK can use to insure their trip and how to compare them. We also covered some unique points to consider when traveling to the UK in particular.
If you’re ready to begin comparing travel insurance quotes, we recommend contacting one of our insurance brokers.
If you’re not set on traveling to the United Kingdom or want to tour other countries, read our articles Travel Insurance to Canada: Coverage and Options and A Complete Guide to Travel Insurance in France and Travel Insurance to Canada: Coverage and Options.
If you’re interested, you may also want to read these articles:
- Health Insurance in the UK: A Comprehensive Overview
- Health Insurance for UK Expats Living Abroad
- Jobs in the United Kingdom for Americans
- Short-Term Medical Insurance for UK Visitors to the U.S.
- The 10 Best Places to Live in the UK for Expats
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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