Have you booked a holiday but not got insurance?

Warning. Have you booked a holiday but not got insurance?

Buy insurance ASAP so you're covered for cancellation - from £5/person via our top picks

If you've booked your summer getaway or any other trip but not got travel insurance, you risk a cash catastrophe. It doesn't cost any more to buy early, though many wait till the last minute. Without it, if you pick up an illness which lasts till you go away or suffer a family death which forces you to cancel, you're not covered. Full info in Cheap Travel Insurance; here are the key points:

Go away more than once a year? Annual policies usually win. Holidaysafe Lite* and Leisure Guard Lite* are usually the cheapest no-frills policies that meet our min cover levels. Prices vary by age and destination, eg, £13 for a 30-yr-old solo in Europe, £55 for a family worldwide. For top value (incl feedback and past payout record) LV* is from £63 Europe or £105 worldwide for an individual (from £98 and £160 families). Also check MoneySup* which sometimes wins. Full best buys in Annual policies.Cheapest single-trip policies from £5. Protect Your Bubble Economy* tends to be cheapest for under-45s, eg, 1wk Europe from £5 for solos (£14 w/wide), from £10 Europe for families (£28 w/wide). If 45+, Leisure Guard Lite* and Holidaysafe* often win. Prices vary but examples for 1wk include from £5 Europe (£17 worldwide) for solos, from £10 Europe (£30 worldwide) as a family. See Single-trip travel insurance.Over 65 or pre-existing condition? You often need to look beyond standard policies.
- Over 65? Prices can rocket yet there are competitive options from £25/yr. See Over-65s Travel Insurance.
- Have medical issues? Always declare them. If getting cover's tough, see Pre-Existing Medical Conditions help.Travelling in EU? Get/renew a FREE EHIC. 5m+ free cards are out of date, but every family member needs a valid EHIC for emergencies.

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