Redpoint Destinations

United Kingdom

Best Travel Insurance for the UK

Affordable Options for Every Traveler

London is just the beginning: Prepare for your UK trip with Redpoint

There's a reason London is considered one of the greatest cities in the world: The palaces, world-class museums, welcoming pubs, and fine dining leave little to be desired. But for travelers willing to explore, it's really just the entry point.

Comprising four nations — England, Scotland, Wales, and Northern Ireland — the United Kingdom offers unexpected delights too, such as surfing in Cornwall and climbing peaks in the Lake District. You might be surprised by how much adventure there is to be found.

Whether you're planning a civilized stay in the capital or a trek further afield, you'll still need travel insurance. Travel insurance is important for any kind of international travel as it makes sure any costs are covered if, for example, you have to cancel your trip or seek medical care while you're overseas.

Health & safety in the UK

There are no major health and safety concerns travelers need to be aware of when visiting the UK. The UK has a low violent-crime rate, and visitors to London will notice a strong police and security presence, though you may be surprised to discover the police don’t even carry guns. Furthermore, there are no major infectious disease concerns, and vaccinations are not required for travelers.

Still, to be on the safe side, you should always consult the U.S. Department of State’s travel advisory for the UK and the CDC’s health recommendations for U.S. travelers before your departure.

The UK has ample countryside and a stunning peak-and-lake district in the north. You should always watch weather forecasts closely before heading out, as conditions can change quickly and become hazardous. If you plan to do any climbing or hiking while in the UK, consider Redpoint’s Ripcord policy, which is designed with adventure travelers in mind.

While it’s known for its poor weather, the UK doesn’t actually have much in the way of weather extremes — just an island nation with a fair amount of gray and damp. Natural disasters are rare, although snow and ice can frequently disrupt transport networks during the winter.

Trains and buses are plentiful around in the UK and considered safe. If you are traveling outside of London and plan to drive, make sure you familiarize yourself with the rules of the road, as they differ considerably from the U.S., including driving on the opposite side of the road. Also make sure that you are adequately insured for car rental, as your insurance from home will not cover you.

Insurance Benefits & Coverage for a Trip to the UK

The components of any good travel insurance policy are the same. You want to make sure your travel insurance covers all the areas below so that you’re prepared no matter what happens during your trip to the UK.

Trip cancellation and trip interruption insurance: Trip cancellation insurance reimburses your non-refundable trip expenses if your trip to the UK is canceled or cut short due to covered reasons, like illness, severe weather, or family emergencies. For even more peace of mind, you can opt to add cancel for any reason (CFAR) insurance for an extra cost.
Travel medical insurance: This covers unexpected medical expenses for injuries or illnesses incurred during your trip. The UK has excellent healthcare, but you may have to pay out of pocket to receive emergency medical treatment, so travel health insurance is a must. Your medical cover from home will not be accepted, and if you have pre-existing medical conditions, you should consider applying for a waiver.
Emergency medical evacuation insurance: Emergency evacuation coverage reimburses you for transportation to the nearest British medical facility or back to the U.S. in extreme or emergency situations.
Baggage and personal belongings insurance: This covers lost baggage and theft or damage to your belongings, should they go missing during your trip.
Trip delay insurance:Trip delay insurance compensates for additional expenses if your travel is delayed before it starts or during any connections or transfers.

For adventure travelers tackling the trails of Northumbria or the Pembrokeshire Coast Path in Wales, Ripcord is an extensive travel plan with high coverage limits and enhanced coverage. If you’re sticking to the major cities, like London and Edinburgh, Redpoint’s other policies provide comprehensive and tailored protection for a wide range of situations as well. Cavalry is particularly suited for urban travel and luxury cultural experiences, while Harbor offers robust coverage to the budget-minded leisure traveler interested in worldwide cultural exploration.

You can buy a policy for single trip cover to the UK, or purchase a policy for multiple trips with an annual policy. Check out our Ripcord Page and select Annual for a quote today.

FAQs for UK Travel Insurance

Do I need travel insurance for the UK?

Holiday insurance is not required for UK trips. However, it is a risk to travel anywhere without appropriate travel insurance, even if it's not required.

How much is travel insurance for the UK?

In general, Redpoint's travel insurance plans for Europe range from 6% to 15% of the total trip costs

What should your travel insurance cover for a trip to the UK?

A comprehensive travel insurance policy for the UK should include adequate medical coverage (at least $100,000 to cover unexpected medical costs), emergency medical evacuation, trip cancellation and interruption coverage, and baggage loss protection. You should also look for a policy with 24/7 assistance services — all of which Redpoint's policies offer.

While your usual medical coverage could technically cover you anywhere in the U.S., it may be challenging to find an in-network provider while you're traveling or if you're involved in an emergency. You could also experience extra costs, such as emergency transportation to a medical facility.

Are there any COVID-19 restrictions for travelers to the UK?

As of now, there are no COVID-19-related entry requirements for travelers to the UK However, if you are worried about a COVID infection upsetting your travel plans, it may be a good idea to add cancel for any reason (CFAR) coverage to your travel insurance policy.

What happens if a tourist gets sick in the UK?

If a traveler falls ill within the U.S., their primary health insurance may still cover treatment. However, travel insurance can help cover additional expenses, such as urgent care visits or emergency transportation, that might be costly without specific coverage. And in the event you can't find a medical provider within your network, travel insurance ensures you don't have to pay out of pocket.

For non-emergencies, dial 111 to be connected to the NHS, which will help you locate appropriate care close by. For urgent medical emergencies, dial 999. In the event of an emergency, Redpoint can be reached day or night at +1-415-481-0610.

Are hospitals good in the UK?

Yes, hospitals in the UK generally offer a high standard of care, especially in urban areas. The NHS is widely respected for its comprehensive medical services. However, you may have a longer wait for emergency services than you're used to in the U.S.

In addition to NHS hospitals, there are private healthcare facilities where tourists can seek treatment if they prefer quicker service and are willing to pay out of pocket or through insurance.

What documentation is needed to visit the UK?

U.S. tourists visiting the UK only need a valid passport for entry, and no visa is required. Keep in mind that you may be asked to provide proof of onward or return travel and evidence of funds to support your stay.

Is the UK safe to visit?

Yes, the UK is generally considered a safe country for tourists. While violent crime is low, petty crime, such as pickpocketing and phone theft, can occur in busy areas. Overall, the UK has a robust police presence and emergency services to help ensure safety.

Is the UK safe for female travelers?

The UK is considered very safe for female travelers, and solo travel is the norm. The country has a well-developed infrastructure and widespread public transport systems, which makes navigating the country easy and safe for solo travelers.

How do I contact the U.S. Embassy in the UK?

The U.S. Embassy in the UK is located in London. In case of emergencies, lost passports, or other consular services, you can contact the embassy at the following address and phone number:

33 Nine Elms Lane

London, SW11 7US

Tel: +44 (0) 207-499-9000

Protect Your Trip With Redpoint Travel Insurance

Redpoint is known for its comprehensive and easy-to-understand policies, which can suit any type of trip, from a quick trip to London to a more extensive tour of the UK. Explore our Ripcord, Cavalry, and Harbor policy options, and get a quote today.