How to Get Free Travel Insurance in the UK
Obtaining completely free travel insurance in the UK is not very common, as most travel insurance policies require payment. However, here are some ways you might be able to get free or partially free travel insurance:
1. Free Travel Insurance Through Bank Accounts
Many UK banks offer premium accounts with added benefits, which often include free or discounted travel insurance. For example, accounts like the Nationwide FlexPlus account, as well as certain accounts from Barclays and Lloyds, provide travel insurance as part of the package. If you already have one of these premium accounts, you may already have free travel insurance.
Check Account Benefits: If you have a premium bank account, check if it includes travel insurance. These accounts often cover travel within Europe or globally, and sometimes include family coverage as well.
Upgrade Your Account: If you want free travel insurance, you could consider upgrading to these premium accounts. Keep in mind that these accounts may have a monthly fee, but the benefits, such as travel insurance, might outweigh the cost.
2. Credit Card Benefits
Some credit card companies offer free travel insurance for cardholders, especially if you pay for your trip using the card. For example:
American Express, Mastercard, and some Visa credit cards provide travel insurance benefits, such as baggage delay and flight cancellation.
Important Note: Before relying on credit card travel insurance, check the coverage details to make sure it suits your needs.
3. Airline or Travel Company Offers
Some airlines or travel companies may offer free travel insurance during special promotions, particularly during times like the COVID-19 pandemic. For example:
Some airlines may provide free travel health insurance when you purchase a ticket, covering medical expenses or trip cancellations.
Specific travel companies or agencies may offer bundled travel products that include complimentary travel insurance.
4. Travel Insurance Through Employment Benefits
Some companies offer free travel insurance as part of their employee benefits. You can check your company’s employee benefits package to see if it includes travel insurance.
Employee Benefit Plans: Certain companies offer benefit plans that include travel, health, and other types of insurance. Contact your HR department for more details.
5. Travel Insurance Bundled With Other Policies
In the UK, some companies offer free short-term travel insurance when purchasing other types of insurance, such as home insurance or health insurance.
6. Promotional Offers
Some travel insurance providers or travel platforms run promotional campaigns that offer free or discounted travel insurance. For example, during holiday seasons or events like Black Friday, insurance companies may offer free insurance promotions.
7. Discounts or Offers From the Post Office®
The UK's Post Office® offers travel insurance, and they often have discounts or promotions. While it may not be entirely free, loyal customers or specific subscription methods might help you get reduced or even free travel insurance.
Tips:
Review Coverage: Free travel insurance often has some limitations, such as not covering high-risk activities or being limited to European travel. So, make sure to review the policy details carefully before relying on it.
Apply for the Global Health Insurance Card (GHIC): While not traditional travel insurance, applying for a GHIC can grant you access to free emergency medical services in most European countries. This can complement your travel health insurance.
Conclusion
While completely free travel insurance is rare in the UK, you may be able to access free or additional coverage through bank accounts, credit cards, employment benefits, or other means. Always carefully review the coverage details to ensure it meets your travel needs before relying on any free insurance.