We're proud of the Defaqto 5 star ratings awarded to our Annual Multi-trip and Single Trip travel cover. Defaqto is an independent researcher of financial products.

Defaqto logo which logo

Rated 'Complete' by Which?
for Covid-19 cover. See more.

Which travel insurance is right for you?

Choose from three products - Annual Multi-trip, Single Trip and Backpacker cover. All come with additional key benefits that you can choose from in order to suit your holiday.

Annual Multi-trip Cover

Worldwide cover for multiple trips up to 42 days each, plus kids go free on any new policy.

Introductory offer only, available until 19/04/2022. Applies to children aged under 17 on the return date of travel, travelling with an adult, all named on the policy.

Each trip up to a maximum of 42 days. All travellers must be under 75. Quotes valid for 90 days.

Single Trip Cover

Perfect for a one-off family trip lasting up to 90 days, plus kids go free on any new policy.

Introductory offer only, available until 19/04/2022. Applies to children aged under 17 on the return date of travel, travelling with an adult, all named on the policy.

Trips must be 90 days or less, or 42 days or less for travellers 60 and over. Quotes valid for 90 days.

Backpacker Cover

Also known as Discoverer Trip

The ideal cover for backpackers, gap years and round‐the‐world trips lasting 3 to 18 months.

Travellers must be under 54 years old.

Enhance your travel cover

Add insurance for personal belongings or winter sports for an extra cost.

This optional extra insures your bags and their contents while travelling. It can be added to your Annual Multi-trip cover or Single Trip cover during your quote for an additional cost. It comes as standard with Backpacker cover.

  • Up to £1,500 for items that are lost, stolen or damaged.
  • Up to £300 for a single item.
  • Up to £300 in total for valuables such as cameras and jewellery.
  • Up to £100 in total for consumable items such as tobacco or food and drink.

If you go on a winter sports holiday, you can cover your skiing and snowboard gear for theft and damage by adding our winter sports cover to your travel insurance. This will also cover you against injuries and piste closures.

This optional extra can be added to either your Annual Multi‐trip travel insurance for 22 days, or your Single Trip travel insurance for the length of your trip (limited to a maximum of 90 days, or 42 days if aged 59 or over).

  • Up to £500 per person for ski equipment.
  • Up to £300 per person for replacement equipment hire (£25 per day).
  • Up to £250 per person for unused equipment hire, ski passes and ski school tuition fees.
  • Up to £200 per person for piste closure (£20 per day).

COVID-19 and travel insurance

It’s natural to have questions about what is and isn’t covered by travel insurance, particularly with COVID-19 leading to so many changes in the way we do things, both big and small.

Whatever your plans, you’ll want to keep up to date with advice from the government, as well as local requirements at the places you’re going to.

In the meantime, our travel insurance includes:

  • Covered to travel to a destination where the Foreign, Commonwealth and Development Office (FCDO) are advising against all but essential travel.
  • Medical expenses if you catch COVID-19 while you’re away.
  • Additional accommodation and transport costs if you have to quarantine because you catch COVID-19 while you’re away.
  • Cancellation costs if you or a close relative are diagnosed with COVID-19 before you go, you have to quarantine or the FCDO change their advice after you booked your trip.
  • Cover to cut short your trip if the FCDO change their advice unexpectedly regarding the country you’re visiting.

You can find out more in our FAQs.

Complete Which? Covid Cover Rating In October 2021, Direct Line was featured in a Which? analysis of 'Covid cover' in travel insurance policies, and its Covid cover was awarded a Complete rating.

To view the results and to find out what the rating means please visit best and worst of travel insurance at which.co.uk

Why choose Direct Line travel insurance?

Up to £10m emergency medical cover

We want you to feel safe when you travel, so we’ll pay up to £10m directly to the hospital if you have a medical emergency on your trip. Find out more

Up to £5,000 cancellation cover

We’ll pay up to £5,000 if things like unexpected illness or unemployment force you to cancel your travel plans (depending on your chosen level of cover).

  • 24/7 multilingual advice
    If you need help while on your trip, we’re here 24 hours a day, 365 days a year.
  • We'll get you home in the event of a medical emergency
    If something goes wrong while you’re away we’ll make sure you get home.
  • Disaster cover
    We'll help if you're not able to use your pre-booked and pre-paid accommodation during your trip because of a natural disaster. We'll pay the necessary extra travel and accommodation expenses so you can continue with your trip or return to the UK if that's not possible. Find out more

Important information

Things you need to know

  • Before you book a trip, check the UK Government website for the most recent advice on travelling abroad. If you decide to go ahead, you should also check again nearer to your departure date.
  • Let us know about any pre-existing medical conditions before you take out a travel insurance policy with us or you won’t be covered.
  • We won’t pay for any claim unless you’re a permanent resident of the UK.
  • Trips must start and end in the UK.
  • Trips within the UK must be for at least two consecutive nights and in pre-booked commercially-operated accommodation.
  • We will not cover any claim for cancellation if you had reason to believe the trip might be cancelled at the time you booked it.

Travel cover: know before you go

Download travel insurance policy documents

Need more help?

If you'd rather talk to us, just give us a call. We can help you choose the right kind of cover.

0345 246 8704

Opening hours:

  • Mon - Fri: 8am - 7pm
  • Sat: 9am - 5pm
  • Sun: Closed

Can't find the right level of cover to meet your needs?

If we are unable to offer you the level of cover you need, or your travel insurance premium is higher than you expected because you have medical conditions, help could still be available.

We've been working with the Financial Conduct Authority and the Money and Pensions Service to create a directory that you can search when we're unable to help.

Just visit https://traveldirectory.moneyadviceservice.org.uk/en to search the directory, or call 0800 138 7777 (Open Monday to Friday, 8am to 6pm).

Frequently asked questions

Yes you do. And due to the extra questions we may need to ask you about your medical condition, please give us a call on 0345 246 8704 for a full quote.

The personal possessions limit is £1500 per insured person, the single article limit is £300 and the valuables limit is £300 in total. Remember, if you have a Discoverer policy, the personal possessions limit is £1000 per insured person, up to £300 for single articles and up to £300 for valuables. There are limits in the personal possessions and valuable sections that may not be enough for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately under the ‘All Risks’ extension of your home insurance.

Yes, if you booked trips or bought travel insurance before any disruption was known about.

In those circumstances, our policies will continue to provide cover for emergency medical expenses in the event of a no-deal Brexit. This includes emergency treatment in state hospitals in European countries which would have previously been covered by the EHIC (European Health Insurance Card).

If your travel is disrupted in the immediate aftermath of a no-deal Brexit, Travel Delay and Trip Abandonment cover will also apply as per the current terms and conditions. Look to your travel provider in the first instance to provide refunds and/or alternative travel arrangements.

As there is the potential for disruption, please plan accordingly. We advise customers to:

1. Allow plenty of time to get to and travel through airports or ports.*

2. Ensure that any travel documentation such as passports have adequate time remaining on them. You should have at least six months left on your passport from your date of arrival. This applies to both adult and child passports.*

Remember to buy travel insurance as soon as you book your trip.

You won’t be covered if you’re aware of travel disruptions or risks to your arrangements when you book the trip or buy insurance*

Travel insurance covers emergency medical expenses and any required medical repatriation/curtailment, but does not replace the EHIC on a like-for-like basis in relation to foreseen, maintenance treatment (i.e. ongoing kidney dialysis).

Yes we can but due to the extra questions we may need to ask you about your medical condition, please give us a call on 0345 246 8704 for a full quote.

We're sorry but your medical condition won't be covered automatically. It's better to give us a call on 0345 246 8704 to discuss your options.

Latest articles

All travel insurance articles and guides


What you need to know before you go travelling

Once you've gone to all the effort of finding the time, researching the options and booking a trip abroad, it can be easy to sit back and think the work is done. But to make sure you have the best holiday possible, take a little time out to find out more about your destination.


Staying secure abroad

Direct Line offers advice on how to avoid crime when travelling abroad and types of cover that can be provided.


Is your passport lost or stolen?

What to do if you believe your passport is lost or stolen, either abroad or in the UK.