Travel Insurance For UK – Coverage, Benefits, and Procedure

Check all the details that Indian citizens need to know while buying travel insurance for their visit to the UK.
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3 mins
02-Jan-2024

Travelling to the United Kingdom can be an exhilarating experience but ensuring a smooth and worry-free journey requires careful planning. This includes buying a travel insurance plan for your trip. In the vast landscape of insurance options, finding the best travel insurance for your UK trip is crucial. 

This article will guide you through the process of finding and buying travel insurance plans. It will cover essential information on travel insurance in the UK and provide insights on why getting adequate coverage is essential. 

Travel insurance for UK

Travel insurance is a type of insurance policy that covers you against various travel-related risks like trip cancellations, lost luggage, medical emergencies, accidents and more. When travelling to the UK, it's essential to have a good travel insurance policy from a reputed insurer. This ensures that you're covered against any unforeseen circumstances that may occur during your trip. The policy will cover you for not just one trip but for multiple trips too. 

Perks of purchasing the best travel insurance for a UK trip

Given below are the key benefits of buying an international travel insurance plan online for your visit to the United Kingdom: 

  • Comprehensive coverage: The best travel medical insurance plans ensure extensive protection against unexpected medical expenses during your UK visit.
  • Emergency medical assistance: Access to 24/7 emergency medical assistance guarantees immediate support in critical situations. 
  • Trip cancellation protection: Safeguard your investment with coverage for trip cancellations, ensuring financial reimbursement.
  • Repatriation benefits: The policy includes provisions for the safe return of your remains in case of unfortunate events. 
  • Coverage for pre-existing conditions: Some plans provide coverage for pre-existing medical conditions, offering peace of mind.
  • Convenient online purchase: Easily browse, compare, and purchase policies online, simplifying the entire process. 
  • Affordable premiums: Competitive pricing ensures you get the best value for your coverage, tailored to your needs.

Common inclusions under travel insurance for the UK 

UK travel insurance typically includes a range of coverage to ensure a secure and worry-free trip. Common inclusions are:

  • Medical expenses: Coverage for emergency medical expenses, hospitalisation, and doctor visits. 
  • Emergency evacuation: Assistance and coverage for evacuation to the nearest adequate medical facility in case of a medical emergency.
  • Trip cancellation or interruption: Reimbursement for non-refundable trip costs if the trip is cancelled or interrupted due to covered reasons, such as illness or death. 
  • Lost or stolen baggage: Reimbursement for lost, stolen, or damaged baggage and personal belongings during the trip.
  • Travel delay: Compensation for additional expenses incurred due to delayed departure, such as accommodation or meals. 
  • Personal liability: Coverage for legal expenses and compensation for accidental bodily injury or damage to property of others.
  • Legal assistance: Assistance and coverage for legal expenses related to personal liability claims. 
  • Repatriation of remains: Coverage for the cost of returning the insured person's remains to their home country in case of death.
  • Emergency assistance services: 24/7 access to a helpline for assistance in case of emergencies, including medical advice and coordination of services. 
  • Cancellation of travel provider: Reimbursement if a travel provider (airline, cruise line, etc.) declares bankruptcy or ceases operations.

Common exclusions under travel insurance for the UK

Below are the common exclusions for a travel insurance policy while travelling to the United Kingdom: 

  • Pre-existing conditions: Many policies exclude coverage for pre-existing medical conditions.
  • High-risk activities: Participation in extreme sports or activities may not be covered. 
  • Alcohol or drug-related incidents: Losses or injuries resulting from alcohol or drug use are often excluded.
  • Travel to high-risk areas: Coverage may be limited or excluded for travel to regions with high security or health risks. 
  • Unattended belongings: Loss or damage to belongings left unattended in public places.
  • Civil unrest or terrorism: Incidents related to civil unrest or terrorism might be excluded. 
  • Non-medical evacuation: Evacuation not related to medical emergencies.
  • Failure to obtain required documents: Issues arising from not having the necessary visas or travel documents may be excluded. 
  • Excessive alcohol intoxication: Incidents related to excessive alcohol intoxication may be excluded.
  • Illegal activities: Losses incurred while engaging in illegal activities may not be covered. 
  • War or nuclear risks: Events related to war or nuclear risks are commonly excluded from coverage.

Travel documents required while travelling from India to the UK 

Essential travel documents are necessary when journeying from India to the United Kingdom. These required documents include:

  • A valid Indian passport. 
  • A pre-approved visa for the UK.
  • A negative RT-PCR test report, valid within 72 hours of arrival in the UK. 
  • Your passenger locator form.
  • Confirmed travel tickets. 
  • Prescription for specific medications, if needed.
  • Valid travel health insurance for the UK, inclusive of Covid-19 coverage. 

Securing the best travel insurance for your journey to the UK is a vital aspect of trip planning. By considering factors such as medical coverage, trip cancellations, and additional perks, you can confidently select the best travel insurance UK tailored to your specific needs.

Disclaimer

Insurance is the subject matter of solicitation. *T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.