We may receive payment from affiliate links included within this content. Our affiliate partners do not influence our editorial opinions or analysis. To learn more, see our Advertiser Disclosure.
International travel restrictions are lifting, so you may be ready to book a U.K. trip and take in the history, culture and landscape—and maybe get in some Royals watching. Although travel insurance is not mandatory to visit the United Kingdom, it’s a lovely idea to buy a solid travel insurance plan.
Covid-related travel concerns are a top priority for many travelers, reports Gail Mangiante, spokesperson with insurance comparison site InsureMyTrip. Many travel insurance companies provide benefits that will cover Covid-19 medical costs for treatment if you contract the virus during your trip, as well as the extra costs of quarantine in a hotel if you test positive.
A travel insurance agent can identify the policies that meet your needs and price-shop the choices for you. It’s important to ask questions and ensure your travel insurance policy provides coverage specific to Covid.
Some American tourists opt for a long weekend to experience London, while others embark on multi-location trips that include Wales and Scotland. Because the U.K. is a sprawling place with rural and city settings—as well as a broad mix of tourist attractions — your travel insurance policy should be comprehensive and cover a variety of events.
Comprehensive travel plans typically include coverage for:
- Travel medical expenses
- Emergency medical evacuation
- Trip cancellation
- Trip delay and trip interruption coverage
- Baggage loss protection
Prepare to Cancel Before You Go
Vacations are fun to look forward to, so it’s hard to think about a potential setback. Still, planning for one is a good idea. If you need to cancel your U.K. trip, a travel insurance plan can reimburse you 100 percent for lost prepaid, nonrefundable deposits. To make a cancellation claim you’ll need to have a reason that’s listed in the policy and provide documentation.
Acceptable reasons for cancellation include unplanned events such as an illness or death, a serious family emergency, a national emergency either at your destination or in the U.S., terrorist action or severe weather.
Not all reasons for canceling a trip are covered by travel insurance, so check your policy for the list of reasons. For example, if you have tickets to a musical in London’s West End and the headliner changed and is no longer Hugh Jackman, your travel insurance plan would not cover your trip cancellation.
But there is a way to cover a movie star-level issue and other problems. You could opt for a “cancel for any reason” travel insurance upgrade, which will cost about 40% more. With this upgrade you can literally cancel your trip for any reason — as long as you cancel within 48 hours before your scheduled departure. Reimbursement is typically 50% or 75% under this coverage. (Not all travel insurers offer this upgrade.)