Does travel insurance cover me in my home country?

Are you going away in your home country and wondering if you’ll be covered by travel insurance? We answer all of your questions, and more, here.

Most people are pretty familiar with taking out a travel insurance policy for their holidays abroad. Without the protection of free healthcare, it’s imperative. What some people don’t realise, however, is that travel insurance is about more than just covering medical expenses.

Travel insurance is as important for a holiday in the UK as it is for a holiday in Europe, or anywhere else you might be going. Keep reading to learn about the importance of taking out travel insurance for a holiday in the UK.

1. Can you get UK travel insurance?

Yes, you can absolutely take out a travel insurance policy if you’re staying in the UK.

To be covered for UK trips, you’ll just have to make sure you’ve booked and pre-paid for at least two nights’ accommodation, and you’ll be on your way.

You can also tailor your travel insurance to suit you. So, if you’re only going away in the UK once, you can opt for a Single Trip policy. If you go away in the UK a few times a year, an Annual Multi-Trip policy might be the way forward because it allows you to be covered for more trips, within your policy limits.

2. What can I get covered for?

So, we know that travel insurance is for more than just medical costs, but what exactly could you be looking to cover for a holiday within the UK?


If something unexpected were to happen and you had to cancel your trip or cut it short, you can be confident in your travel insurance policy helping you recoup the costs for an unforeseen medical emergency.

Personal items

Your travel insurance can also provide cover for your personal items. This can give you peace of mind, knowing your treasured items are safe if the worst happens. Just make sure you check your policy limits as not all gadgets are included as standard and single item cover limits may apply.


Some destinations within the UK, like Scotland and Northern Ireland, might need flights to visit. Others, like the Isle of Man and the Channel Islands, have ferry crossings. Luckily, your travel insurance gives you a level of cover for travel disruptions.


Even though the NHS is there to help with your medical emergencies (except in the Channel Islands), your travel insurance can still help. If you do need medical attention and it’s agreed that it’s for the best, we can arrange your transfer to a hospital closer to home so you can be with your family and friends.

Take out your UK travel insurance policy today

Wherever you’re going, travel insurance is essential.

Take out a UK travel insurance policy with Avanti today to give you peace of mind, knowing we have your back when you next go away in your home country.


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