🛡️ Compare Travel Insurance 2026 — SafetyWing, World Nomads & More

Buy travel insurance as soon as you book your trip. This ensures you're covered for trip cancellation from day one and may qualify you for pre-existing condition waivers.

Most providers now include COVID-19 coverage. This typically covers medical treatment abroad and may include trip cancellation if you test positive. Check each policy for specific terms.

CFAR is an optional upgrade that allows you to cancel your trip for any reason and receive a partial refund (typically 50-75% of trip cost). It must be purchased within 14-21 days of initial trip deposit.

Coverage varies by provider. Some specialist insurers offer adventure sports coverage for activities like skiing, diving, and hiking. Always check if your specific activities are included before purchasing.

Keep all receipts and documentation. Most providers have online claim portals or apps. Report incidents as soon as possible and follow the provider's specific claims process.

For medical coverage, £2-5 million is adequate for Europe, but you need £5-10 million for the USA due to high healthcare costs. Trip cancellation should match your non-refundable trip costs.

Many policies exclude pre-existing conditions, but some offer waivers if you buy insurance within 14-21 days of your first trip deposit and meet other criteria. Always declare conditions honestly.

For UK domestic trips, your NHS coverage handles medical needs, but insurance still protects against cancellation, lost luggage, and travel delays. For weekend breaks, check if your home insurance covers these.

SafetyWing is one of the most popular choices for digital nomads and remote workers. Their Nomad Insurance plan starts from around $42/month with no commitment, covers 185 countries, includes COVID-19, and allows you to travel without a fixed end date. It also covers home country visits up to 30 days.

Specialist adventure travel insurance covers 100-200+ activities including skiing, scuba diving, bungee jumping, white water rafting, and trekking above 4,000m. Standard travel insurance typically excludes these activities, so always check your policy covers your planned activities.

If you travel internationally more than 2-3 times per year, an annual multi-trip policy is usually cheaper than buying separate single-trip policies. Annual policies typically cost £40-£150/year for European cover and £70-£250/year for worldwide cover. They also save time on repeat bookings.

Remote health insurance (like SafetyWing Remote Health) provides comprehensive health coverage for people living and working abroad long-term. Unlike travel insurance, it acts as primary health insurance with higher coverage limits, routine care, mental health support, and no trip-length restrictions.

Compare providers by checking: medical coverage limits (aim for £2M+ for Europe, £5M+ for the US), cancellation coverage matching your trip cost, excess amounts, activity coverage, COVID-19 terms, and claims process reviews. TravelDealForge compares all major providers side-by-side to help you find the best deal.