Travel Insurance Comparison 2025: Key Options and Trends in the UK Market
Planning a holiday in 2025? Choosing the right travel insurance could save thousands in unexpected costs—from flight cancellations to medical emergencies abroad. With dozens of providers in the UK market, it’s not always clear which option offers the best value. Below, we’ve analysed five of the most popular travel insurance products in the UK this year to help you make an informed decision—and highlight which ones are worth a closer look.
🔎 Compare the top-rated travel insurance plans for UK travellers
What’s New in the UK Travel Insurance Market in 2025?
The UK’s travel insurance industry is expected to exceed £3.3 billion by 2030, fuelled by strong demand for flexible and comprehensive policies. UK travellers are increasingly prioritising:
🔹High medical cover limits
🔹Flexible cancellation protection
🔹Worldwide coverage options
🔹Add-ons for cruises, winter sports and pre-existing conditions
This shift has reshaped how leading insurers package their plans—offering better customisation and more coverage tiers than ever.
Side-by-Side Comparison: 5 Best Travel Insurance Plans in 2025
| Policy Name | Medical Cover | Cancellation | Baggage | Policy Score | Ideal For |
|---|---|---|---|---|---|
| Barclays–Aviva Travel Pack | £10M | £10,000 | £1,500 | ★ 91% | Frequent flyers, families |
| Holidaysafe Platinum | £10M | £7,500 | £5,000 | ★ 88% | Valuable baggage, adventure trips |
| Flexicover Diamond | £10M | £5,000 | £4,000 | ★ 88% | Couples, older travellers |
| Get Going Diamond | £10M | £5,000 | £4,000 | ★ 88% | Gadget carriers, digital nomads |
| Insure & Go Black | Unlimited | £10,000 | £3,000 | ★ 87% | Long-haul travellers, retirees |
1. Barclays – Aviva Travel Pack: Premium Protection for Frequent Travellers
Why consider it? It scores 91% for overall protection—one of the highest ratings in 2025. With £10M medical and £10,000 cancellation cover, it's built for serious travellers.
Best for: Those who want reliable, high-tier coverage without building a policy from scratch.
Note: Only available to Barclays account holders.
2. Holidaysafe Platinum: Exceptional Baggage Cover and Flexible Add-ons
Why consider it? With £5,000 baggage cover, this plan is perfect for those packing tech, sports gear, or luxury items. It also includes £7,500 cancellation protection and generous activity options.
Tip: Great for travellers going skiing, hiking or travelling with expensive gear.
3. Flexicover Diamond: No-Excess Simplicity
Why consider it? Flexicover Diamond is one of the few plans offering no compulsory excess on many claims—ideal for stress-free claim processing.
Who should look into this? Older travellers or those with tight travel schedules.
4. Get Going Diamond: Built for the Connected Traveller
Why consider it? With gadget cover up to £3,000 and travel delay protection, Get Going Diamond is a solid choice for digital nomads and remote workers.
Heads-up: No cover for holiday supplier failure, so budget airlines or package tours may need extra consideration.
5. Insure & Go Black: Unlimited Medical Cover, Global Confidence
Why consider it? One of the only major policies offering unlimited medical expense cover. Also includes £10,000 cancellation and £3,000 baggage cover.
Perfect for: Long-haul trips, retirees, or anyone travelling with medical risk factors.
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What Impacts the Cost of Travel Insurance in 2025?
Before choosing a plan, consider what affects your quote:
🔸Age: Premiums rise significantly for travellers over 60.
🔸Destination: Trips to the US, Canada or Caribbean cost more due to higher healthcare prices.
🔸Trip Duration: Multi-trip (annual) plans are cost-effective after 3+ trips per year.
🔸Activity Add-ons: Cruises, skiing and scuba diving may require dedicated cover.
🔸Pre-existing Conditions: Often require a medical declaration and can raise the base premium.
Final Thoughts: Which Travel Insurance Should You Choose?
Every traveller is different—but the right insurance makes all the difference when things go wrong. Whether you're after maximum medical cover, affordable gadget protection, or a no-excess claim option, the UK travel insurance market in 2025 has you covered.