post office travel insurance covid

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best COVID-19 Travel Insurance Options

Travelex Insurance Services »

Allianz Travel Insurance »

World Nomads Travel Insurance »

Generali Global Assistance »

IMG Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best COVID Travel Insurance Options.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• World Nomads Travel Insurance

Even though COVID-19 is no longer considered a global emergency, concerns around illness-related costs remain for many travelers. If you're looking for travel insurance that covers COVID – as well as other potential disruptions like flight delays and lost luggage – these are your best options.

• Travelex Insurance Services: Best Optional Coverage Add-ons
• Allianz Travel Insurance: Best for Multitrip and Annual Plans
• World Nomads Travel Insurance: Best for Active Travelers
• Generali Global Assistance: Best for Comprehensive Travel Insurance
• IMG Travel Insurance: Best for Travel Medical Insurance

Plans include coverage for COVID-19

Optional CFAR coverage is available with Travel Select plan

Some coverages require an upgrade, including rental car collision, accidental death and dismemberment, and more

Not all add-ons are available with every plan

SEE FULL REVIEW »

Allianz offers some travel insurance plans that come with an epidemic coverage endorsement

Single-trip, multitrip and annual plans available

COVID-19 benefits don't apply to every plan

Low coverage limits with some plans (e.g., only $10,000 in emergency medical coverage with OneTrip Basic plan)

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Low trip cancellation benefits ($2,500 maximum) with Standard plan

No CFAR option is offered

Free 10-day trial period

Some coverage limits may be insufficient

Rental car damage coverage only included in top-tier Premium plan

Offers travel medical insurance, international travel health insurance and general travel insurance plans

Some plans include robust coverage for testing and quarantine due to COVID-19

Not all plans from IMG offer coverage for COVID-19

Cancel for any reason coverage not available with every plan

Frequently Asked Questions

When comparing COVID-19 travel insurance options, you'll want to make sure you fully understand the coverages included in each plan. For example, you should know the policy inclusions and limits for COVID-related claims, including coverage for testing, treatments, trip cancellation or COVID-related interruptions that can occur. Meanwhile, you should understand how your coverage will work if you contract some other illness while away from home.

Also ensure your travel insurance coverage will kick in for other mishaps that occur, and that limits are sufficient for your needs. If you're planning a trip to a remote area in a country like Costa Rica or Peru , you'll want to have emergency evacuation and transportation coverage with generous limits that can pay for emergency transportation to a hospital if you need treatment.

You can also invest in a travel insurance policy that offers cancel for any reason coverage. This type of travel insurance plan lets you cancel and get a percentage of your prepaid travel expenses back for any reason, even if you just decide you're better off staying home.

It depends on your private health insurance provider and/or travel insurance policy. As of May 11, 2023, private health insurers are no longer required to cover the cost of COVID-19 testing. Out-of-pocket costs for COVID-19 test kits at local drugstores and on Amazon are relatively affordable, however.

As you search for plans that will provide sufficient coverage for your next trip, you'll find travel insurance that covers COVID-19 quarantine both inside and outside the United States. However, you'll typically need to have your condition certified by a physician in order for this coverage to apply. Also make sure your travel insurance plan includes coverage for travel claims related to COVID-19 in the first place.

Many travel insurance plans do cover trip cancellation as a result of COVID-19, although the terms vary widely. You typically need to be certified by a physician in order to prove your condition. Disinclination to travel because of COVID-19 – such as fear of exposure to illness – will generally not be covered. This means you will actually have to test positive for coronavirus for benefits to apply; simply not wanting to travel is not a sufficient reason to make a claim.

If you want more flexibility in your COVID-19 travel insurance, ensuring you have a cancel for any reason policy may be your best bet, but be sure to check with your chosen travel insurance provider to assess your options.

Why Trust U.S. News Travel

Holly Johnson is an award-winning writer who has been covering travel insurance and travel for more than a decade. She has researched the best travel insurance options for her own trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. Over the years, Johnson has successfully filed several travel insurance claims for trip delays and trip cancellations. Johnson also works alongside her travel agent partner, Greg, who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

The Best Senior Travel Insurance for 2024

Holly Johnson

Discover the best coverage options for older travelers.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

8 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Advertisement

Supported by

What You Need to Know Now About Travel Insurance

A spate of new travel insurance policies have begun covering Covid-19, just as many international destinations begin to require it. Here’s what to look for.

• Share full article

By Elaine Glusac

When the pandemic struck, many travel insurance policies failed to cover Covid-19-related trip interruptions and cancellations, often because they excluded pandemics. But in the intervening months, the travel insurance industry has introduced a spate of new policies covering the disease just as many foreign destinations begin to require them.

“We’ve seen progress in that many plans will now treat Covid like any other unexpected sickness or illness,” said Stan Sandberg, a co-founder of the comparison website Travelinsurance.com . “If you have a trip and travel insurance and came down with Covid-19, which made it impossible to travel, that would fall under cancellation coverage as an unexpected illness that prevents you from traveling.”

Likewise, policies now including Covid-19 would cover holders in the event that a doctor diagnosed them with the virus while traveling under the trip interruption benefit.

Not all travel insurance excluded pandemics when the coronavirus began to spread early this year; Berkshire Hathaway Travel Protection was one exception. But the broader change partially arises from consumer demand, a better understanding of the virus — including mortality rates and hospital costs — and the industry’s eagerness for travel to resume.

“People who are traveling are more conscious of their risks and thinking about protecting themselves and their investment,” said Jeremy Murchland, the president of the travel insurer Seven Corners. The company launched policies that included Covid-19 coverage in June; they now account for more than 80 percent of sales.

But, like all insurance, the devil is in the details when it comes to understanding travel insurance, including what’s covered, destinations where it’s required, and the inevitable caveats, as follows.

How travel insurance covers Covid-19

The new Covid-inclusive insurance generally covers travelers from the day after purchase until their return home. During that period, if you become sick and a doctor determines you cannot travel (because of the virus or another illness), trip cancellation and trip interruption benefits would kick in.

These benefits vary by policy, but a search to insure a $2,000 weeklong trip to Costa Rica in December on Travelinsurance.com turned up a $69.75 Generali Global Assistance Standard policy with Covid-19 benefits that would be triggered if you, your host at your destination, a travel companion or a family member tested positive for the virus.

If this happened before your departure, the policy would cover your prepaid travel expenses. If you or your travel companion contracted Covid-19 during the trip and were diagnosed by a physician, it would reimburse prepaid arrangements, such as lodgings, and cover additional airfare to return home — once a doctor deems it safe to travel — up to $2,500. Should you be required to quarantine and can’t travel, travel delay coverage for lodging, meals and local transportation would pay up to $1,000. The policy also covers medical expenses for up to one year, even after you return home, up to $50,000 — though the policy also states that a holder would have to exhaust their own health insurance benefits before seeking coverage under the travel insurance plan.

Travelers should read these policies carefully to understand the benefits (for example, some rules vary by your state of residence), but brokers like TravelInsurance.com, InsureMyTrip and Squaremouth are making them easier to find through filters, F.A.Q.s and flags.

The new more comprehensive policies don’t necessarily cost more. On a Squaremouth search for insurance for two 40-year-olds on a two-week trip costing $5,000, the site turned up a variety of policies with or without coronavirus exclusions from $130 to $300, with no apparent premium for Covid-19 coverage.

Not every Covid-19-related expense is covered by many of these policies, including tests for the virus that many destinations require before arrival (those may be covered by private insurance).

Many policies include medical evacuation to a nearby facility, but won’t necessarily transport you home. For those concerned about treatment abroad, Medjet , a medical evacuation specialist, now offers Covid-19-related evacuations in the 48 contiguous United States, Canada, Mexico and the Caribbean that will transport you to the hospital of your choice in your home country (trip coverage starts at $99; annual memberships start at $189).

“Covid-19 requires special transport pods to protect the crew and others, which adds logistical issues,” said John Gobbels, the vice president and chief operating officer for Medjet.

In addition to the Medjet plan, travelers would need separate travel insurance with medical benefits to cover treatment costs and trip interruption.

Destination insurance requirements

Travelers aren’t the only ones worried about health. A growing list of countries are mandating medical coverage for Covid-19 as a prerequisite for visiting, often along with other measures like pre-trip virus testing and health screenings for symptoms on arrival.

Many Caribbean islands are among those requiring travel medical insurance, including Turks and Caicos and the Bahamas . St. Maarten requires health insurance coverage and strongly recommends additional travel insurance covering Covid-19.

Farther-flung countries also require policies that cover Covid-19, including French Polynesia and the Maldives .

Some destinations specify the required plan as a way to ensure travelers have the correct coverage and to expedite treatment. Aruba requires visitors to buy its Aruba Visitors Insurance, regardless of any other plans you may have.

“Insurance through a destination typically only covers Covid and infection while you’re there,” said Kasara Barto, a spokeswoman for Squaremouth.com. “If you catch Covid before, they don’t offer cancellation coverage. If you break a leg, the policy may only cover Covid medication. It varies by country.”

Costa Rica also requires insurance that includes an unusual benefit stipulating a policy cover up to $2,000 in expenses for a potential Covid-19 quarantine while in the country.

In response to the new requirement, which Costa Rica announced in October, insurers, including Trawick International , have begun introducing policies that meet the standard.

“It was a pretty quick and nimble reaction,” Mr. Sandberg of TravelInsurance.com said.

Normally, travel insurance varies by factors including the age of the traveler, destination, trip length and cost (most range from 4 to 10 percent of the trip cost). But some destinations are providing it at a flat fee, with most policies spelling out coverage limits and terms for emergency medical services, evacuation and costs associated with quarantines.

Jamaica, which will require insurance, but has not said when the new rule will go into effect, plans to charge $40 for each traveler. The Bahamas will include the insurance in the cost of its Travel Health Visa, an application that requires negative Covid-19 test results, which runs $40 to $60 depending on length of stay (free for children 10 and younger). The Turks and Caicos is offering a policy for $9.80 a day, and Costa Rica ’s policies, if purchased locally, cost roughly $10 a day.

Expect this list of destinations to grow. In January, the Spanish region of Andalusia plans to require travel medical insurance and is working on finding a provider to make it easy for travelers to buy it.

Gaps in travel insurance

Policies that cover Covid-19 as a medical event that may cause trip cancellation or disruption, or those that provide coverage for medical treatment and evacuation still don’t necessarily cover travelers who have a change of heart when they learn they will have to quarantine upon arrival, even if they don’t have the virus. Nor are policies necessarily tied to conditions on the ground, like a spike in infections, State Department travel warnings, a government travel ban or the cessation of flights to and from a destination.

For those events, there’s Cancel For Any Reason, or CFAR, an upgrade to plans that generally only returns 50 to 75 percent of your nonrefundable trip costs.

“Prior to the pandemic, we wouldn’t necessarily recommend CFAR because most of travelers’ concerns were covered by standard plans,” Ms. Barto of Squaremouth.com said. “It’s about 40 percent more expensive and we didn’t want travelers to pay for additional coverage.” Now, she added, there’s been a surge in interest in the upgrade, including in 22 percent of policies sold at the site since mid-March.

Industry experts predict some of these outstanding issues may work their way into policies of the future as they adapt to enduring realities, much as they did after 9/11 in covering travelers in case of terrorist events, which was not the norm before.

The pandemic “was unprecedented, but once it happened, the industry has been pretty quick to react and create coverage, and that’s in the spirit of how this industry is trying to define itself, to be one of those subtle but valuable assets,” Mr. Sandberg said. “Once the world opens back up, we expect travel insurance to be much more top of mind with travelers.”

Follow New York Times Travel on Instagram , Twitter and Facebook . And sign up for our weekly Travel Dispatch newsletter to receive expert tips on traveling smarter and inspiration for your next vacation.

How do you choose travel insurance that covers COVID-19?

Oct 26, 2021 • 5 min read

COVID-19 has made it more important to check the health coverage on your travel insurance © Maskot/Getty Images

After 18 months of pandemic-related travel restrictions, you may be itching to act on your pent-up wanderlust⁠⁠—but the situation and the rules are still continuously evolving. So before you go anywhere, it’s best to have a travel insurance plan that protects the investment you’ve made in a long-awaited trip.

A robust travel insurance plan will reimburse pre-paid trip costs and non-refundable deposits if you have to cancel or interrupt your trip, encounter trip delays, experience baggage loss or require medical expense and medical evacuation. Your policy will also reimburse “covered reasons” in your plan, such as death, illness or injury, serious family emergencies, unplanned jury duty, military deployment, acts of terrorism, or your travel supplier going out of business.

But COVID-19 has added an additional checklist to your usual insurance needs⁠—it’s now important to check to ensure your travel insurance plan includes coverage for COVID-19 medical expenses, and losses related to illness. Your policy should also cover quarantine costs if you need to self-isolate after testing positive for the virus.

What do I look for in COVID-19 insurance coverage?

When you’re shopping for a travel insurance plan that covers COVID-19, you need to do your research and read the fine print of your plan. 

Look for a travel insurance product that will protect your non-refundable, prepaid expenses if you have to cancel your trip due to illness caused by COVID-19. Your policy should also cover emergency medical treatment and emergency medical transportation. With regard to COVID-19 coverage, be sure your policy covers medical care, medicine, hospitalization and quarantine expenses.

“The type of coverage you should look for depends on you, your needs, travel dates, and the type of trip you’re taking,” says Sasha Gainullin, CEO of battleface , a travel insurance carrier. He says some travel insurance companies have now excluded COVID-19 coverage because it has been labeled a “known/foreseeable event”, while others may exclude pandemics altogether.

“It’s important to search for plans that include medical and quarantine expenses as well⁠—this will be critical in the event you become ill and need to receive treatment while traveling,” continues Gainullin. 

One additional tip is to confirm there are no exclusions based on the destinations you’re traveling to⁠—this can happen with countries under government-issued travel warnings, Gainullin says.

“If a traveler feels uncertain, I recommend speaking with the travel insurance company directly. They can review the policy details with you, answer all of your questions, and confirm all of your required coverage options are included,” he adds.

Is getting coverage dependent on vaccination?

While it’s a good idea to be fully vaccinated before traveling, vaccination is not required to purchase a travel insurance policy, says Daniel Durazo, spokesperson with Allianz Partners USA.

What are the medical costs that are covered by travel insurance?

Travel insurance can cover the cost of both medical treatment and emergency medical transportation. A US health insurance plan, as well as Medicare, generally will not cover overseas medical expenses, so it’s best to check with your personal health insurance provider if any global coverage is available. 

“While losing the cost of a trip due to an unexpected cancellation would be painful, paying for expensive emergency medical treatment or emergency medical transportation can be financially devastating,” Durazo says.  

Under a travel insurance plan, medical costs could range doctor visits, pharmacy expenses, imaging costs and covering a hospital stay if required. Other expenses that can be covered are transportation to medical care and medicine.

Read more:  Will my health insurance cover getting COVID-19 while traveling in the US⁠⁠—or abroad?

What about covering an unexpected quarantine due to COVID-19?

Many international destinations are now requiring that visitors purchase travel insurance coverage for an unexpected quarantine. Allianz Travel Insurance has added coverage to many of its products that includes reimbursement for quarantine-related accommodations if you or a traveling companion is individually-ordered to quarantine while on their trip, says Durazo. 

This coverage typically covers the cost of additional food, lodging and transportation while quarantined. In addition, trip interruption and travel delay benefits on certain Allianz plans also provide coverage if you or your travel companion is denied boarding by your travel carrier due to suspicion of illness.

The benefits for quarantine coverage vary from carrier to carrier. For example, on select Trawick International plans, they offer $2,000 in quarantine benefits and for an additional charge, and you can increase it up to $7,000. 

What about pre-flight COVID-19 testing?

Your plan may provide coverage for flights if you are turned away at a border for not passing a health inspection. Foster says Trawick’s travel insurance plans that cover COVID-19 would cover the expenses if you could not pass your pre-health inspection.  Also, the plan would cover the costs of the failure of your PCR test to return to the United States, such as having to quarantine abroad. 

It’s important to note that the actual cost of the PCR test is not covered by your policy, just the loss associated with the negative test.

Read more:  PCR tests for travel: everything you need to know

Some destinations require COVID-specific insurance coverage⁠—how do I comply with those restrictions? 

Before any international travel, you should check the country where you are headed to make sure you comply with insurance coverage requirements. Countries like Spain, Turks and Caicos and Thailand are among the nations that mandate COVID-19 insurance coverage.

“You first must check the countries’ specific COVID regulations for entry into the country. Some countries require travelers to provide proof of travel insurance that covers COVID-19 related expenses purchased from a third party,” explains Foster. Providing proof coverage is key; so travelers need to ensure they receive documentation from their insurance provider that their policy covers COVID-19 related expenses to show customs officials, she says.

Should you arrive in a country that requires proof of insurance to cover COVID-19 medical expenses and quarantine costs, and you don’t hold a policy, you will not be granted entry.

For more information on COVID-19 and travel, check out Lonely Planet's Health Hub .

You may also like:  What happens if I'm denied entry to a country on arrival? What is a vaccine passport and do I need one to travel? What is the IATA Travel Pass and do I need it to travel?

Explore related stories

Art and Culture

Sep 2, 2024 • 6 min read

It’s hard not to have a fabulous time in marvelous Malta. Familiarizing yourself with these tips will make it an even better one.

Mar 28, 2023 • 3 min read

Sep 12, 2024 • 7 min read

Sep 12, 2024 • 6 min read

Sep 12, 2024 • 9 min read

Sep 12, 2024 • 10 min read

Sep 12, 2024 • 4 min read

Sep 12, 2024 • 8 min read

• Credit Cards & Loans
• Saving & Banking

Household Bills

• Home   /  
• Articles   /  

SPONSORED Travel insurance with Covid-19 cover is still a priority for holidaymakers

The Covid-19 pandemic lockdowns of 2020 may seem a distant memory, but when it comes to holidays, travellers want the added protection that comes with coronavirus cover. Travel Insurance from award-winning Post Office has you Covid covered.

Nearly four years on from the onset of the coronavirus pandemic, life seems to be back to something approaching normal as lockdowns, social distancing and travel restrictions are consigned to history.

With flights grounded in those darkest days, it’s no wonder holidaymakers are now making up for lost time as they get back to their international globe-trotting.

However, Covid is still present in the UK, with 14% of 2,003 survey respondents confirming they tested positive for the virus in 2023.

But six in 10 are likely to go abroad in the next 12 months, and 43% of respondents said Covid still plays on their mind when it comes to planning overseas holidays.

Indeed, even those planning a staycation in the UK are troubled by the virus, as 38% said Covid is still something they think about.

And it’s little wonder, as one in five revealed Covid had impacted a previous holiday abroad.

Nearly half (45%) of those impacted said they had to cancel their trip, a quarter (24%) quarantined in the UK, while 17% had to isolate overseas. Meanwhile, 14% had to come home early.

With that in mind, nearly six in 10 (58%) people said it’s important that Covid cover remains available either as standard on travel insurance policies or as an add-on when travelling overseas.

According to business information site Defaqto, there are 99 single and 99 multi-trip travel insurance companies that include Covid as standard.

But with many travel insurance policies, such as Post Office travel insurance, additional cover can be added as an optional extra. However, it includes an element of Covid cover as standard on all policies.

Travel insurance from an award-winning provider

Post Office won the Best Travel Insurance Provider category at the YourMoney.com Personal Finance Awards 2023 for the third year in a row.

It provides single and annual multi-trip cover options as well as backpacker cover with an element of Covid cover as standard.

This means it provides cover for cancellation if you test positive before your trip (within 14 days). It also provides emergency medical cover if you fall ill while you’re away, as well as curtailment cover (cutting short your trip), should you need to return home for someone who is seriously ill with Covid.

Plus, for an additional premium, holidaymakers can upgrade their insurance to include comprehensive Covid-19 insurance, which can be added at any time up to the start date of your holiday.

Travellers can choose between three varying levels of cover to suit budgets and needs: Economy, Standard or Premier travel insurance.

As part of the Covid-19 cover, Post Office provides between £1,000 and £5,000 towards trip cancellation, and up to £1,500 for a missed departure from the UK.

For those already overseas, it provides up to £5,000 (dependent on the level of cover chosen) if you’re forced to cut short your trip. Meanwhile, missed departures and connections outside of the UK are covered between £500 and £1,500, with holidaymakers also eligible for a £500, £750 or £1,000 maximum benefit to cover costs.

Further, if there is a change in Covid testing or quarantine requirements during your trip, Post Office provides up to £1,500 to cover additional expenses.

There’s also an additional Covid-19 test benefit of between £150 and £250 that covers you in the case of testing requirements changing when you’re abroad, which means you need to take a test to re-enter the UK.

For those buying a family policy, the additional Covid cover protects all listed members.

Check Covid cover terms and conditions

According to the Association of British Insurers, travel insurers provide cover for emergency medical treatment needed overseas, including any relating to Covid-19. For new policies, many travel insurers also now provide cancellation cover due to Covid-19 diagnosis, often within two weeks of your travel start date.

However, it is always important to check your policy to understand any exclusions. For instance, if Covid cases are surging in your holiday destination, you won’t be covered for “disinclination to travel”, and UK cover may also be excluded.

It’s also worth keeping in mind that if you decide to travel to a destination that is against Foreign, Commonwealth and Development Office advice, a standard insurance policy won’t protect you, and neither will adding Covid-19 cover.

As such, keep an eye on official advice sites for your travel destination; buy travel insurance as soon as you book your holiday; take your EHIC (European Health Insurance Card) or GHIC (Global Health Insurance Card), but don’t rely on them as a substitute to comprehensive travel cover.

It’s also vital to share your medical history so you can have peace of mind that the travel insurance you’ve purchased has you protected before, during and even after your trip.

Car insurance costs leap by a quarter

Regulator launches probe into mis-selling of protection insurance

YourMoney.com 2024 Awards’ winner spotlight: Beagle Street named Best Life Insurance Provider

Regulator finds ‘too many’ customers still without fair value from insurers and brokers

Top stories, thousands of tfl customers have bank details accessed by cyber hackers, first-time buyer, some first-time buyers have two months to save £15,000 in stamp duty, parents who claimed child benefit urged to check for pension boost, larger homes for sale have surged amid autumn budget tax fears, is your local lloyds, halifax or bank of scotland branch set to close in latest cull, fraud victims’ mental health impacted more than their finances, blog: multigenerational holidays – how to save up and split the bill, o2 axes free hot drinks at greggs, mortgage broker john charcol launches best buys table: what you need to know, domestic abusers use joint mortgages to plunge partners into ‘debt and homelessness’.

• Inspiration
• Destinations
• Places To Stay
• Style & Culture
• Food & Drink
• Wellness & Spas
• News & Advice
• Partnerships
• Traveller's Directory
• Travel Tips
• Competitions

Travel insurance with Covid cancellation cover: the right policies

All products are independently selected by our editors. If you buy something, we may earn an affiliate commission.

Purchasing travel insurance during the time of Covid can be overwhelming – will you be covered in case of cancellation, or do policies that offer medical assistance for Covid exist? Here, we break down the policies that offer Covid cover, plus what to look for in a travel insurance policy and whether your insurance is invalidated if the government advises not to travel. 

What is the best travel insurance with Covid cancellation cover?

Yes, here goes... Note though, all policies currently have restrictions on claims relating to Covid-19 and be aware that the situation is changing fast, so double-check the latest cover before you buy.

All Clear Travel Insurance ( allcleartravel.co.uk ): cover is available to people of all ages but particularly suitable for travellers with pre-existing medical conditions that other insurers are reluctant to cover.

Axa ( axa.co.uk ): this long-established, French-owned company is one of the largest insurers, providing a wide range of different policies geared to a variety of travel types.

Battleface ( battleface.com ): geared to individuals and groups with an emphasis on adventurous activities abroad and travel to remote destinations.

Campbell Irvine Direct ( campbellirvinedirect.com ): this insurer was established more than 45 years ago, and policies offer cover for travel to challenging and adventurous locations, including conservation and volunteer projects.

CoverForYou ( coverforyou.com ): competitively priced policies include winter sports and backpacker cover with enhanced silver, gold and platinum options.

Holidaysafe ( holidaysafe.co.uk ): catch-all travel specialist with a portfolio of ‘niche’ policies covering specific sporting activities including triathlon, sailing and cycling .

LV Travel Insurance ( lv.com ): one of the UK’s largest and longest-standing insurers, founded in 1843, offering single and multi-trip cover.

PJ Hayman ( pjhayman.com ): strong on customer care, with cover for medical conditions and hazardous activities plus round-the-world and gap-year travel.

Puffin Insurance ( puffininsurance.com ): annual or single-trip policies for customers aged 18-74, covering more than 75 different activities with numerous optional add-ons.

Trailfinders ( trailfinders.com ): policy automatically includes children up to 21 years, free of charge (note those aged 19-21 must be in full-time education).

Can I get travel insurance during Covid?

In a word, yes. Some companies (see list above) say they will still sell you insurance – including the crucial medical-expenses cover – provided the UK's Foreign, Commonwealth and Development Office (FCDO) doesn’t advise against all or all but essential travel. Check the current FCDO list for the latest advice. Some insurers will also offer cover for destinations on the red list , but in the current climate of uncertainty, rules governing travel to individual countries can change fast. Travel-insurance specialist Battleface has a useful country travel restrictions tool on its website to help people check the latest developments based on a variety of factors including destination and departure dates.

Why is travel insurance important?

If you have a trip booked and don’t yet have insurance, it’s important to buy a policy as soon as possible. That way, if anything changes – FCDO advice for example – you will already have cover in place. The problem with choosing the best policy is that everyone has different requirements – it may depend on your destination, the type of trip (are you doing lots of adventurous activities , for example?) and quite detailed, nerdy stuff such as ‘travel disruption cover’, which is particularly useful at the moment if you are travelling independently. There is no shortcut to checking through the key provisions of any insurance you are considering.

What should I look for in a travel insurance policy during the pandemic?

This is the key problem. Insurers are obviously jumpy about how exposed they are to claims both for cancellations because of Covid-19 and for medical treatment as a result of catching it while you are abroad. So all have added restrictions and exclusions into their policies. You need to check exactly what those are and make sure you understand the limitations of the cover.

Does travel insurance cover Covid cancellations?

If you already have travel insurance it will normally cover your cancellation costs if you, or one of your travelling companions, falls ill before departure and can’t travel – though you will need a medical report from your doctor to confirm this. Some policies – though not many – cover losses incurred if you have booked independently and have to cancel because of FCDO advice. Look for ‘travel disruption cover’ or ‘journey disruption cover’ in the policy details, which may or may not include disruption due to epidemics (see below for more information). If you are forced to quarantine in a hotel after visiting a red list country, this is unlikely to be covered by any insurance companies. If you are simply nervous of travelling and want to cancel – which is known as ‘disinclination to travel’ in the insurance industry – no policy will cover you.

So what use is travel insurance during the Covid pandemic?

The key value of travel insurance is the medical cover it offers while you are travelling. This will underwrite the cost of treatment and if necessary a hospital stay if you fall ill on holiday. But whether or not you are covered for accommodation costs if you are diagnosed with Covid-19 and have to enter self-isolation or quarantine while you are abroad varies by policy. Some insurers, however, will pay up if you need a new flight home in these circumstances. In short – it varies, so be sure to read the small print.

Is my travel insurance invalidated if the FCDO advises not to travel?

In normal times, travel insurers won’t provide cover to countries or regions where the FCDO advises against all but essential travel. Traditionally, these areas might include destinations such as Afghanistan, Iraq or Yemen, but in recent times it has included much of Europe too, with countries being regularly added to and taken off the UK's quarantine list. However, some insurers now offer affordable policies that are designed for travellers heading to these European destinations, which may be of use once the lockdowns start to ease. As ever, it’s important to read the small print. For example, policies are invalidated during a government-imposed regional or national lockdown in the UK.

Can I get insurance cover if I catch Covid abroad?

Some insurers will cover against coronavirus if the FCDO has listed your destination as safe to visit before you head off. Some offer cancellation cover if you’re diagnosed with Covid-19 within a fortnight of departure, including emergency Covid-related medical expenses while abroad and repatriation, as well as cover in the event of a travelling companion contracting the disease. And you can find insurers that offer cover for medical expenses resulting from Covid-19 for all destinations including countries under FCDO and government essential and non-essential travel advisories.

So what happens if my holiday is cancelled?

If you have booked a package with a tour operator and the FCDO advises against all but essential travel to your destination, your tour operator is obliged to cancel the holiday and offer you a full refund. They might also offer you an alternative holiday, or suggest you postpone travelling dates, but you are entitled to get your cash back. If you can afford to, consider postponing your trip rather than cancelling it completely, should your health or updated government advice mean that you can’t go away as planned. There are a lot of people out there relying on us to keep spending on travel, with around 10 per cent of the world's population earning an income that is linked to tourism. To learn more about how important this is, see our guide to why you shouldn't cancel your holiday .

What if I booked my trip independently?

Travellers who have booked, say, a flight and accommodation separately, normally have no right to a refund if they cancel unilaterally, even if the FCDO has since advised against travel. In practice, however, most airlines are cancelling flights and refunding passengers in this situation. A hotel or villa company doesn’t have to give you your money back – though it is obviously worth talking to them; they may allow you to postpone your stay.

Will my insurance cover me if my airline collapses?

It’s vital to make sure you pay for flights with a credit card (if you are booking a flight directly with the airline and it costs more than £100 you can claim your money back from the credit card company), and check that any tour operator you book with has up-to-date Atol protection – or can show that it has an alternative bonding arrangement in place.

Which websites should I check for the best travel insurance information and advice?

A good website that gives the latest figures for every country reporting cases of Covid-19 is worldometers.info . For the latest formal FCDO advice on every country in the world see gov.uk and search for travel advice. The best health advice is at nhs.uk .

Am I still covered by the EHIC scheme in Europe?

Yes and no. As of Thursday 31 December 2020, Britain left the EU, but anyone holding a valid EHIC (European Health Insurance Card) will be covered for state-supplied medical care while holidaying in Europe until it runs out. And while the EHIC card has been scrapped for anyone who doesn't currently hold one, it has been replaced by the very similar GHIC (Global Health Insurance Card).

Anything else I need to worry about?

Insurers have become very jumpy about pre-existing medical conditions in recent years because they add to the risk of expensive medical claims and cancellations. It is absolutely critical that you declare any conditions you may have when you buy a policy, otherwise – if you do need treatment while you are travelling – you may find your claim is refused.

Search Smartraveller

Latest update

We continue to advise:

Do not travel to Russia due to the security situation and the impacts of the military conflict with Ukraine.

Russia (PDF 2.04 MB)

Europe (PDF 2.62 MB)

Local emergency contacts

All emergency services, fire and rescue services, medical emergencies, advice levels.

Do not travel to Russia. 

Do not travel to Russia due to the dangerous security situation and the impacts of the military conflict with Ukraine. 

Do not travel to North Caucasus.

Do not travel to North Caucasus due to the high threat of terrorism and political unrest.

See Safety .

• Foreigners, including Australians, are at ongoing risk of arbitrary detention or arrest. Russian authorities make strong, negative comments in relation to Western countries, including Australia. Local authorities may adopt a more negative attitude towards foreigners in Russia in reaction to perceived support for Ukraine and sanctions on Russia. Non-participating bystanders can draw scrutiny from security forces and have been detained.  Remain vigilant, avoid protests or demonstrations, and avoid commenting publicly on political developments.
• There's a high ongoing threat of terrorism. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places, including popular tourist sites. Attacks may occur with little or no warning. Always be alert to possible threats and have a clear exit plan. On 22 March, there was a terrorist attack at Crocus City Concert Hall, resulting in significant loss of life. Security measures or restrictions may continue to be in place across the country. Follow the advice of local authorities.
• Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and travel disruption. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.
• The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice, so have an alternate exit plan.
• If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Our ability to provide consular assistance in Russia is limited. The Australian Government won't be able to evacuate you from Russia.
• There are limited transportation options, restrictions on financial transactions and possible shortages of essential products and services.
• The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level covers the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments.
• Continue to follow the advice on Smartraveller. If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.

Full travel advice:  Safety

• The laws regarding the import and use of medicines are strict. For each medication containing restricted substances, you need a doctor's letter and a notarised translation confirming your need. Contact the  Embassy of Russia  for details.
• Rabies and tick-borne encephalitis are on the rise. Ticks are common from April to October. Take care when travelling through forests.
• Infectious diseases such as typhoid, hepatitis, diphtheria, measles, and tuberculosis are at risk. Boil drinking water or drink bottled water.
• Public medical facilities in Russian cities are below Australian standards and basic in rural areas.

Full travel advice:  Health

• Foreigners, including Australians, are at ongoing risk of arbitrary detention or arrest. Russian authorities may arbitrarily enforce local laws. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion
• Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you're mobilised.
• Conscription occurs regularly in Russia. The Government may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. The maximum age of conscription is 30 years old. Draft notices can be serviced to the conscripts online, preventing conscripts from leaving the country once the notice is registered and sent.
• Russia has passed laws that severely restrict free speech, imposing severe restrictions on the publishing and distribution of information related to the Russian armed forces and any military operations. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment. Don't share or publish information about current events in Ukraine and Russia.
• Don't use or carry any illegal drugs. Penalties are severe. Carry your passport, visa, and migration card at all times. Authorities won't accept copies.
• Don't take photos of military places or sensitive areas, such as passport control. Using commercial film, television, camera equipment, or drones in public is also illegal without permission.
• Russia doesn't recognise dual nationals. We can only provide limited consular assistance to dual nationals who are arrested or detained. To leave, you'll need a valid Russian passport.
• Same-sex relationships are technically legal but are not widely accepted. Violence against members of the LGBTI community occurs. Russia bans "LGBTQIA+ propaganda", criminalising any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". The promotion of LGBTQIA+ issues may be considered illegal by local authorities, and activists may face consequences under Russian law. Gender changes without medical requirements are banned. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.

Law enforcement agencies in Russia cooperate closely with agencies in the Commonwealth of Independent States (CIS) countries. If you commit an offence in one of these countries, you may be detained in another (including at the border) and extradited for prosecution.

Full travel advice:  Local laws

• If you're in Russia, leave immediately using the commercial options available or private means if it's safe. The security situation could deteriorate further with little warning. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family. Have an alternate exit plan.
• If you plan to depart Russia, confirm with your transport operator that services are still operating. Commercial travel routes between Russia and Europe are often disrupted due to measures taken in response to military action in Ukraine. Several Russian airports are now closed to the public, disrupting internal flights to and from Moscow and other cities.  Finland  has closed its land and maritime borders with Russia indefinitely.
• Confirm the entry requirements before arrival if you're travelling through an overland border crossing into  Estonia  or  Latvia . Latvia introduced an entry ban on vehicles registered in Russia in September 2023. There's a ban on vehicles crossing into/from Estonia at the Ivangorod- Narva crossing. Train services are also suspended. Entry and exit on foot is allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.
• Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, which could affect maintenance and safety standards. Research your railway and aviation provider before choosing their services. The International Civil Aviation Organisation has issued a Significant Safety Concern (or 'red flag') notice regarding Russian airlines' capacity to oversee safety. 
• If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices. Entry requirements can change at short notice. Contact your airline or the nearest embassy or consulate of Russia to confirm entry requirements.
• Bank cards issued outside of Russia don't work in Russia. You won't be able to access funds from these cards once you enter Russia. You may not be able to exchange Australian dollars or old, worn, or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay.
• Dual nationals can't leave Russia without a valid Russian passport. If your passport expires while you're in Russia or if you enter Russia using a repatriation certificate, you'll need to get a new one before you leave. This can take up to 3 months. The Australian Government is unable to intervene or fast-track this process.  

Full travel advice:  Travel

Local contacts

• The  Consular Services Charter  details what we can and can't do to help you overseas.
• For consular help, contact the  Australian Embassy  in Moscow. Our ability to provide consular assistance in Russia is limited due to the evolving security situation. The Australian Government will not be able to evacuate you from Russia.
• The Australian Consulate in St Petersburg can provide limited help.
• If you have significant concerns for your welfare or that of another Australian, contact the Consular Emergency Centre on 1300 555 135 in Australia or +61 2 6261 3305 outside Australia.

Full travel advice:  Local contacts

Full advice

Terrorists are very likely to try to carry out attacks in Russia. Terrorist groups, including al-Qaeda and Daesh-aligned groups, continue to call for attacks in Russia. Attacks can be indiscriminate and may occur on or around seasonal, festive, or religious events in public places, including popular tourist sites. Attacks could occur with little or no warning. Always be alert to possible threats and have a clear exit plan. Russia has seen several terrorist attacks, which have caused large casualty numbers. Russia's aviation has also been targeted. 

On 22 March, there was a terrorist attack at Crocus City Concert Hall near Moscow, resulting in 145 deaths and more than 500 people injured. 

Russian authorities continue to announce arrests and the disruption of planned attacks.

Security measures or restrictions may continue to be in place across the country. Follow the advice from local authorities.

Terrorists have attacked other European cities. Targets have included:

• places of worship 
• government buildings
• shopping areas
• tourist sites  
• restaurants
• nightclubs 
• entertainment venues
• transportation hubs 
• major events which attract large crowds

To protect yourself from terrorism:

• be alert to possible threats, especially in public places
• be extra cautious around possible terrorist targets
• always have a clear exit plan
• report anything suspicious to the police
• monitor the media for any new threats
• take official warnings seriously and follow the instructions of local authorities

If there's an attack, leave the area as soon as it's safe. Avoid the affected area in case of secondary attacks.

Terrorism is a threat worldwide.

More information:   

North Caucasus

There's a high threat of terrorism in parts of the North Caucasus, including:

• North Ossetia
• the south-eastern part of Stavropol bordering Chechnya
• Karbardino-Balkaria
• Karachay-Cherkessia

Terrorist attacks continue to occur in Chechnya. Several people have been killed and injured.

Our ability to provide consular assistance to Australians in those parts of the North Caucasus is limited.

If, despite our advice, you travel to these parts of the North Caucasus:

• monitor local conditions via media and travel operators
• arrange personal security measures

Georgia-Russia border

The Georgia-Russia border area is volatile because of tensions in Georgia.

If, despite our advice, you travel in the border region, read our  Georgia travel advice .

Security situation

Security incidents, such as drone attacks and explosions, often occur in southern and western areas of Russia, including regions bordering Ukraine, Moscow, and St Petersburg. This can cause significant flight delays and flight cancellations. You shouldn't attempt to travel to the Russia-Ukraine border or cross into Ukraine from Russia.

The security situation could deteriorate further with little warning. If you're in Russia, leave immediately using the limited commercial options available or private means if it's safe to do so. Departure routes from Russia may become disrupted at short notice. If you decide to stay in Russia, review your personal security plans. You're responsible for your own safety and that of your family.

The Russian Government has introduced a 'medium response level' in several regions of Russia, including Krasnodar, Belgorod, Bryansk, Voronezh, Kursk, and Rostov and a 'heightened preparedness level' in the remainder of the Central and Southern Federal districts. A basic readiness level has been introduced in the rest of Russia. There may be an increase in security personnel and installations. Security measures or restrictions may be introduced with little to no notice. Monitor the media for developments.

Ukraine border areas and Crimea

The Russia-Ukraine border is volatile due to the Russian invasion of Ukraine.

Security incidents regularly occur in Belgorod, Bryansk, Kursk, and other regions of Russia bordering Ukraine, including explosions and large fires. The security situation in the region could deteriorate at short notice. You shouldn't travel to the Russia-Ukraine border or cross into Ukraine from Russia.

We currently advise you do not travel to Ukraine due to the volatile security environment and military conflict. Read the  Ukraine travel advice   for more information.

The Australian Government doesn't recognise Russia's claimed annexation of the Ukrainian region of Crimea or its other territorial claims in occupied Ukraine.

Leaving Russia

Where it's safe to do so, you should leave Russia immediately. Use your judgment to decide the best time and safest means of exit. 

Transport routes may be disrupted. Plan for delays at land border crossings. Expect disruption to travel and changes at short notice. Make sure you have an adequate supply of food, water, medication, and fuel. Make sure you have payment options that will work during your journey and at your destination. 

Read your destination's travel advice to ensure you meet the entry requirements. These may differ when entering by road, rail, or air. Be aware that some borders may close without notice. Commercial travel routes between Russia and Europe have been impacted by measures taken in response to the Russian invasion of Ukraine. Check with your airline or travel agent for current flight availability. Any travel options you pursue are at your own risk. See ' Travel '.

For more information on entry requirements for countries bordering Russia, read the travel advice:

• Georgia   
• Latvia   

If you decide to stay in Russia:

• follow the instructions of authorities
• ensure your travel documents are up-to-date, and keep your passport and other travel documentation safe
• contact your family and friends in Australia so they're aware of your location and situation
• keep up to date with developments on the security situation, monitor reputable media, and regularly check our travel advice and  social media
• review your personal security plans and make contingency plans to leave as soon as you judge it safe to do so
• always be alert and aware of your surroundings
• avoid large gatherings and areas with groups of fighters and military equipment.

Civil unrest and political tension

Foreigners, including Australians, are at ongoing risk of arbitrary detention or arrest.

Russian authorities may adopt a more negative attitude towards foreigners in Russia due to perceived support for Ukraine and sanctions on Russia. Russian authorities may arbitrarily enforce local laws. You may be interrogated without cause by Russian officials and may become a victim of harassment, mistreatment, and extortion.

Russia's parliament has passed laws that severely restrict free speech. Foreign journalists and other media workers in Russia may face considerable risks, including arrest and imprisonment.

While the effects of this law are still unclear, you may be detained or fined for:

• sharing or publishing information that local authorities deem false
• sharing or publishing information that may be detrimental to the armed forces
• calling for, sharing, or publishing speech in support of sanctions against Russia

You should not:

• share or publish information related to the current events in Ukraine and Russia
• participate in demonstrations and large gatherings

Avoid commenting publicly on political developments.

Anti-war and anti-mobilisation protests have taken place in cities across Russia over the invasion of Ukraine. Many protesters have been arrested.

Unsanctioned protests are illegal, and you can be arrested if you participate. Remain vigilant and avoid rallies, protests, demonstrations, and other large public gatherings, as they can turn violent, and you may be arrested.

Theft and assault

Petty crimes, pickpocketing and muggings are common. Groups of children sometimes commit crimes, too.

Hot spots for crime include:  

• the Izmailovsky Market
• other tourist attractions
• the Moscow and St Petersburg metros

Thieves often steal passports. They target travellers in  robberies  and  assaults , particularly in large cities.

To protect yourself from theft and assault:

• keep your personal belongings close, particularly in tourist areas
• be aware of your security in public places, particularly at night
• monitor local media on crime
• racially or religiously motivated assaults may occur throughout Russia.

Drink spiking

Criminals may drug and rob travellers at nightclubs and bars. This sometimes happens after accepting offers of food, drink, or transportation from strangers.

To protect yourself from spiking-related crime:

• never accept food or drinks from strangers
• don't leave drinks unattended
• leave your drink if you're not sure it's safe
• stick with people you trust in bars, nightclubs, and taxis
• don't accept offers of transport from strangers

More information:

• Partying safely

Using taxis

People have reported extortion and robbery while taking unauthorised taxis.

To protect yourself from robbery while travelling in taxis:

• only use official taxi apps or companies
• don't flag down taxis on the street
• don't share taxis with strangers
• always negotiate and confirm the fare before you get in a taxi

Credit card and ATM fraud

Credit card and ATM fraud is common.

To protect yourself from fraud:

• only exchange currency at banks
• keep your credit card in sight during transactions
• only use ATMs inside banks and during business hours
• always hide your PIN

Other scams

Criminals may try to cheat you by changing money in the street or a bank queue.

Some Australians have been victims of fraud by bogus internet friendship, dating and marriage schemes operating from Russia.

These are large-scale, well-organised  scams .

Criminals arrange to meet people through internet dating schemes or chat rooms. After getting to know you, the criminal will ask you to send money so they can travel to Australia. However, the relationship ends after the money has been received, and the funds can't be recovered.

Be wary of people you meet through internet dating schemes or chat rooms.

People have also reported harassment, mistreatment and extortion by police and other local officials.

If you suspect you're being extorted by a police officer or other local official, offer to walk with them to the nearest police station. Once there, you can check their identity and their demands.

Cyber security 

You may be at risk of cyber-based threats during overseas travel to any country. Digital identity theft is a growing concern. Your devices and personal data can be compromised, especially if you're connecting to Wi-Fi, using or connecting to shared or public computers, or Bluetooth. 

Social media can also be risky in destinations where there are social or political tensions or laws that may seem unreasonable by Australian standards. Travellers have been arrested for things they have said on social media. Don't comment on local or political events on your social media. 

More information:   

• Cyber security when travelling overseas  

Kidnapping  is common in parts of the Northern Caucasus.

It can be for:

• political purposes
• retribution

Foreigners have been targeted in the past.

If, despite the risks, you travel to an area where there is a particular threat of kidnapping:

• get professional security advice

The Australian Government's longstanding policy is that it doesn't make payments or concessions to kidnappers.

Climate and natural disasters

Severe weather  during winter can disrupt travel in Russia.

To protect yourself from accidents caused by severe weather:

• take care when walking in snowy, icy or windy conditions
• take care when driving
• use appropriate driving equipment, such as winter tyres or chains
• monitor the media and other sources for updates

If you're delayed, contact local authorities about a visa extension if required.

Spring flooding caused by melting ice is common in some parts of Russia.

In April, severe flooding affected multiple settlements in over 30 regions across Russia, including the Urals and Western Siberia. Thousands of people have been evacuated. 

If you are in Russia, monitor the media and follow the advice from local authorities.

Snow and ice

Wind, snow, and ice-related accidents injure and kill people annually. These include:

• traffic accidents
• collapsed roofs and snow falling from roofs 
• falling debris 
• prolonged exposure to extreme cold

Slipping on ice can result in serious injuries, such as broken bones, back injuries, or paralysis.

During summer, forest and peat  fires  can occur in Russia, including in the Moscow region.

Earthquakes and tsunamis

The North Caucasus and the far eastern region of Russia can experience  earthquakes .

Tsunamis  are common in all oceanic regions of the world.

To protect yourself from natural disasters, take official warnings seriously.

If a  natural disaster  occurs, follow the advice of local authorities.

Get updates on major disasters from the  Global Disaster Alert and Coordination System .

Travel insurance

Most Australian travel insurance policies won't cover you for travel to Russia. Do not travel to Russia. See ' Safety '

You may have to pay thousands of dollars up-front for medical care if you're not insured.

Physical and mental health

Do not travel to Russia. If, despite our advice, you travel to Russia, consider your physical and mental health before you travel, especially if you have an existing medical condition. 

See your doctor or travel clinic to:

• have a basic health check-up
• ask if your travel plans may affect your health
• plan any vaccinations you need

Do this at least eight weeks before you leave.

If you have immediate concerns for your welfare or the welfare of another Australian, call the 24-hour Consular Emergency Centre on +61 2 6261 3305 or contact your  nearest Australian Embassy, High Commission or Consulate  to discuss counselling hotlines and services available in your location.

• General health advice  (World Health Organization)
• Healthy holiday tips  (Healthdirect Australia)

Medications

Not all medications available over the counter or by prescription in Australia are available in other countries. Some may even be considered illegal or a controlled substance, even if prescribed by an Australian doctor. 

Russia has temporarily restricted exporting certain categories of goods, including foreign-made medical products. 

If you plan to bring medication, check if it's legal in Russia. Take enough legal medication for your trip.

Russia has strict laws about the import and use of medications, including medications that are available over the counter in Australia, such as cold and flu tablets.

When you arrive in Russia, you must present a doctor's letter to authorities confirming your need for each medication. Especially if your medications contain the following:

• barbiturate
• sibutramine
• anabolic steroids
• androgens and other sex hormones
• analgesic, such as tramadol
• psychostimulants
• other restricted substances

The letter must:

• contain a description of the medication, including the chemical composition
• describe the required dosage
• explain the underlying medical condition
• confirm the medicine is for personal use only
• be signed by your treating doctor

You must also have a notarised translation of the letter into Russian.

Before you leave Australia, contact the Embassy of Russia for the latest rules for bringing medicines into Russia.

• Russian Government website

Health risks

Tick-borne diseases.

Tick-borne encephalitis  (World Health Organization) and other tick-borne diseases are a risk, especially if you travel through forested areas.

Ticks are common in rural areas from spring to autumn: April to October.

People have reported increased incidents of tick-borne encephalitis.

Measles cases can routinely occur in Russia, with the country currently experiencing increased measles activity. Make sure your vaccinations are up to date before you travel.

• Measles immunisation service  (Department of Health and Aged Care)

HIV/AIDS  is a risk.

Take steps to reduce your risk of exposure to the virus.

There have been reports of  rabies  across Russia.

Rabies is deadly. Humans can get rabies from mammals, such as:

• dogs  
• other animals

If you're bitten or scratched by a dog, monkey, or other animal, get treatment as soon as possible.

Other health risks

Waterborne, foodborne, parasitic, and other  infectious diseases  are common, including these listed by the World Health Organization:  

• typhoid  
• measles  
• tuberculosis

Serious outbreaks sometimes occur.

To protect yourself from illness:

• drink boiled water or bottled water with sealed lids
• avoid ice cubes
• avoid uncooked and undercooked food, such as salads
• avoid unpasteurised dairy products

Get urgent medical attention if you have a fever or diarrhoea or suspect food poisoning.

Medical facilities

Public medical facilities in Russian cities are below Australian standards.

Standards are extremely basic in rural areas.

There are a few international-standard private facilities in major cities – these clinics can be very expensive to access.

Before you're treated, private facilities need either:

• up-front payment
• evidence of adequate insurance
• a written guarantee of payment

If you become seriously ill or injured, you'll need to be evacuated to get proper care. Medical evacuation can be very expensive.

You're subject to all local laws and penalties, including those that may appear harsh by Australian standards. Research local laws before travelling.

Foreigners, including Australians, are at ongoing risk of arbitrary detention or arrest. If you're arrested or jailed, the Australian Government will do what it can to help you under our  Consular Services Charter . But we can't get you out of trouble or out of jail.

The Russian security services have arrested US citizens on spurious charges, singled out US citizens in Russia for detention and/or harassment, denied them fair and transparent treatment, and have convicted them in secret trials and/or without presenting credible evidence. The US Government warns that Russian officials may unreasonably delay consular assistance to detained US citizens.

Russian authorities have introduced criminal liability for publishing and distributing anything they consider 'deliberately misleading' about the Russian armed forces and any military operations. These laws have been interpreted and applied very broadly to many forms of dissent.

Gender changes are banned, including gender transition surgery, hormone therapy and changing gender on official documents without medical requirements. The law also annuls marriages in which one person "changed gender" and prevents transgender couples from adopting children.

There are laws banning "LGBTQIA+ propaganda". These criminalise any act regarded as an attempt to promote what Russia calls "non-traditional sexual relations". Sharing information or public display of any material promoting "non-traditional relationships" is now a serious criminal offence. The 'international LGBTQIA+ movement' has been classified as an 'extremist organisation' under Russian law, criminalising the display of symbols such as the rainbow flag (including on social media).

In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion hasn't been issued. The Russian Government may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government will not be able to intervene if you're mobilised.

Russian authorities imposed restrictions on real estate and foreign currency transactions for foreign residents. These restrictions can be revised at short notice. Seek advice from local authorities.

Possessing, selling, consuming, or carrying any illegal drugs is illegal.

Penalties are severe and include long prison terms.

Russia has strict rules around medication carried into the country for personal use, including some medications that you can get over the counter in Australia.

If you don't declare restricted medications, authorities could detain you. See  Health .

• Carrying or using drugs

Routine police checks are common in public places.

Carry your passport, visa, and migration card with you at all times. Authorities won't accept copies.

If you can't provide travel documentation on request, authorities can detain and fine you.

In Russia, it's illegal to:

• take photos of military places, strategic sites, and other sensitive areas, such as passport control and guarded railway sites
• use commercial film, television, or camera equipment in public areas without permission, but hand-held home video cameras are allowed
• use drones without permission from the Russian aviation authority.

Penalties for breaching the law include fines, jail, and deportation.

Russia regulates religious activity. Authorities restrict activities such as preaching and distributing religious materials.

If you plan to engage in religious activity, ensure you're not breaking local laws.

Contact the Embassy or Consulate of Russia for more information.

Cybersecurity laws

Russia has blocked or restricted some social media platforms and websites, including Facebook, Instagram, LinkedIn, and X (formerly known as Twitter).

Russia has banned certain Virtual Private Networks (VPN). 

• Cyber security when travelling overseas
• Federal Service for Supervision of Communications, Information Technology and Mass Media (Roskomnadzor)

Official documents

Some Australian documents, such as birth or marriage certificates, need to be  legalised  before Russian authorities will accept them.

If you have an Australian document that you need to use while in Russia, contact the Embassy or Consulate of Russia for information.

Apostilles  and some legal certificates can be issued by:

• DFAT  in Australia
• Australian embassies and high commissions  overseas

Surrogacy laws

Russia bans surrogacy for all foreigners except those married to Russian citizens. Recent court cases have resulted in long custodial sentences for some providers of surrogacy services. All children born through surrogacy in Russia are granted Russian citizenship, regardless of their parent's citizenship.

Get independent legal advice before making surrogacy arrangements in Russia or with residents of Russia.

• Going overseas for international surrogacy
• Going overseas to adopt a child

Australian laws

Some Australian criminal laws still apply when you're overseas. If you break these laws, you may face prosecution in Australia.

• Staying within the law and respecting customs

Dual nationality

If you're a dual national, this severely limits the  consular services we can give if you're arrested or detained. Foreigners, including Australians, are at ongoing risk of arbitrary detention or arrest.

Russia doesn't recognise dual nationality.

In November 2022, Russia announced that the partial mobilisation of military reservists for the conflict in Ukraine was complete. However, a decree formalising the completion hasn't been issued. Russia may subject males it regards as Russian to mobilisation, regardless of any other citizenship held. Laws introducing heavy penalties for 'crimes against military service' have been passed. The Australian Government won't be able to intervene if you are subjected to mobilisation.

Conscription occurs regularly, and Russia may subject males it regards as Russian to mandatory conscription, regardless of any other citizenship held. Conscription in Russia occurs semi-annually, and conscripts typically serve one year. The maximum conscription age is 30 years old. The draft notice is to be serviced to the conscripts online and prevents conscripts from leaving the country once the notice is registered and sent.

Russian authorities won't recognise your Australian nationality if you're a dual national. They will treat you like any other national of Russia.

If you're a dual national:

• you must enter and leave Russia on a Russian passport
• you can enter Russia using a repatriation certificate (svidetelstvo na vozvrashcheniye) if you don't have a Russian passport, but you must still leave Russia on a Russian passport
• you must declare any other nationalities or foreign residency permits to the Russian Ministry of Internal Affairs
• you could be conscripted into the Russian military if you're a male between the ages of 18 and 30

Contact the  Embassy or Consulate of Russia well before any planned travel to Russia.

Dual nationals can't leave Russia without a valid Russian passport.

You'll need to get a new Russian passport before you leave if:

• your Russian passport expires while you're in Russia
• you enter Russia using a repatriation certificate

Getting a new Russian passport for non-residents is complex and can take up to 3 months. The Australian Government is unable to intervene or fast-track this process.

Children born outside Russia and added to their parents' Russian passports need their own passport to leave Russia.

If you're travelling alone with a child, Russian border authorities may require the following:

• documentary evidence of your relationship to the child
• written permission for the child to travel from the non-travelling parent
• Dual nationals

Visas and border measures

Every country or territory decides who can enter or leave through its borders. For specific information about the evidence you'll need to enter a foreign destination, check with the nearest embassy, consulate or immigration department of the destination you're entering. 

Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers.

You need a visa to enter Russia unless you're travelling on certain commercial cruise ships.

You can't get a visa on arrival.

If you arrive in Russia without a valid visa, authorities will fine, detain and deport you at your own expense. They may bar you from re-entering.

Make sure you apply for the correct visa type, such as 'tourist' and 'visitor' visas.

If your visa type doesn't match the purpose of your visit, authorities may:

• not let you enter 

You may need to provide biometric fingerprints for the visa application process.

After you get your Russian visa, check your passport details are correct, including the following:

• passport number
• date of birth
• intention of stay
• validity dates

If there are errors, return your passport to the  Russian Embassy or Consulate  for correction.

It's impossible to amend visa details once you're in Russia.

Border measures

If, despite our advice, you decide to enter Russia, expect thorough security checks at the border, including questioning and inspections of electronic devices.

Entry and exit conditions can change at short notice. Contact the nearest  embassy or consulate  for details about visas, currency, customs and quarantine rules.

Australians sanctioned by Russia

The Russian Foreign Ministry issued statements on its website advising that, in response to Australian sanctions, the Russian Government had added several Australians to a 'stop list', denying them entry into Russia on an indefinite basis.  

These statements can be viewed here (copy and paste the URL into a new browser if you can't open the link):

• 26 June 2024 statement - https://www.mid.ru/ru/foreign_policy/news/1959710/  
• 17 April 2024 statement -  https://mid.ru/ru/foreign_policy/news/1944697/  (in Russian)
• 21 June 2023 statement  -   https://mid.ru/en/foreign_policy/news/1890258/
• 16 September 2022 statement  -  https://mid.ru/ru/foreign_policy/news/1830085/   (in Russian)
• 21 July 2022 statement  -  https://www.mid.ru/en/foreign_policy/news/1823204/
• 16 June 2022 statement   -  https://www.mid.ru/en/foreign_policy/news/1818118/
• 7 April 2022 statement   -  https://www.mid.ru/en/foreign_policy/news/1808465/

DFAT can't provide advice on the implications of another country's sanctions. If you're listed, you should obtain legal advice if you have concerns about the potential impacts of the Russian sanctions. Do not travel to Russia if you're on Russia's 'stop list'. 

Other formalities

Migration card.

Foreign visitors generally receive a migration card on arrival in Russia.

If you receive a paper migration card, keep the stamped exit portion of the card with your passport.

The migration card covers both Russia and Belarus. When leaving either country, you must show the stamped card to passport control.

If you lose your migration card:

• your departure could be delayed
• you could be stopped from staying at a hotel in Russia

You can get a replacement from the Russian Ministry of Internal Affairs, but this process is complex and could delay your departure.

Biometric fingerprinting

Foreign citizens entering Russia for work or intending to stay over 90 calendar days may be subject to biometric fingerprinting and regular medical check-ups. The biometric fingerprinting procedure will need to be done only once. Medical check-ups must be re-taken upon the certificate's expiry (valid for 1 year).

Travel with children

If you're  travelling with a child , you may need to show evidence of parental, custodial or permission rights. This is particularly the case for dual nationals. See  Local laws

• Advice for people travelling with children

Electronics

The government strictly controls the import of electrical and some high-technology equipment.

The rules are complex.

You may import terminal global positioning systems (GPS) devices if you declare them on arrival. However, you'll need a special permit to import a GPS device connected to a computer or an antenna.

Authorities can detain you if you don't have a permit.

To import a satellite phone, you must show proof of advanced approval. Request approval from the  Federal Service for the Supervision of Communications .

Russian border officials can demand to inspect any electronic device, including installed software when you enter or leave the country.

Travel between Russia and Belarus

Do not travel to Russia or Belarus due to the security environment and impacts of the Russian invasion of Ukraine. If you're in Russia or Belarus, leave immediately using the limited commercial options available or private means if it's safe to do so.

If, despite our advice, you decide to enter Belarus from Russia, note that the government doesn't allow foreigners to cross the land border between Russia and Belarus . You must do so by air.

If you're travelling between Russia and Belarus , you must have visas for both countries.

Visa-free entry into Belarus doesn't apply to travellers arriving from or travelling to Russia.

Contact the  Embassy of Russia  and the  Ministry of Foreign Affairs of Belarus  for details.

Registering your stay in Russia

If you stay more than 7 working days, including your arrival and departure day, you must register with the Russian Ministry of Internal Affairs.

You must pay a registration fee.

Most hotels do this for their guests, but you're legally responsible. Confirm with check-in staff on arrival that they've registered you.

The registration process can be complex if you're not staying at a hotel.

Register at the nearest post office if you're travelling on a visitor visa.

Register through your employer if you're travelling on a visa that lets you work. Confirm with your employer that they've registered you.

If you don't register, authorities can fine you or delay your departure.

• The Russian Embassy

Visa overstays

Make sure you leave Russia before your visa expires. Some visas, including tourist visas, can't be extended.

If you overstay your visa, you won't be allowed to leave Russia until the Russian Ministry of Internal Affairs determines your legal status or deports you.

Authorities can detain you until they've processed your case.

Penalties for overstaying include fines and deportation.

You may be banned from re-entering.

Customs Rules

Russian Customs provides a list of goods that must be declared when entering or leaving Russia, regardless of whether they come in carry-on or unaccompanied/checked-in luggage. 

Anyone entering Russia must declare cash amounts exceeding the equivalent of 10,000 USD as well as certain types of goods, including jewellery and antiques. 

Items imported by air for personal use that are worth more than 10,000 EUR or weigh more than 50 kg must be declared. They will incur customs duties and taxes of 30% of the cost (no less than 4 EUR per 1 kg). 

For cash amounts exceeding the equivalent of 100,000 USD, documents confirming the origin of the money in addition to customs declaration must be provided.

If you fail to declare items exceeding the value or weight standards, these may be confiscated, and you may be detained and charged with an administrative or criminal offence. 

If you fail to declare amounts of cash exceeding the threshold, your money may be confiscated, and you may be detained and charged with an administrative or criminal offence. 

Make sure a customs official stamps your declaration. Only stamped declarations are valid.

Russia has imposed restrictions on exporting certain categories of goods, including foreign-made medical products. Seek advice from local authorities.

Russia has strict regulations on the export of antiques, artworks and items of historical significance. These are items purchased in Russia or imported to Russia from overseas. They also include modern art and posters if they are particularly rare or valuable.

Authorities may not allow the export of items more than 100 years old.

If you want to export any antiques, artworks or items of historical significance:

• keep receipts of your purchases
• obtain an export permit from the Ministry of Culture in advance of travel — export permits aren't issued at the airport
• declare each item to border authorities when you leave Russia
• be ready to show each item to border authorities
• be ready to show receipts for each item to border authorities

Don't try to export items requiring permits without the relevant paperwork. This is a serious offence.

Russian Customs legislation about the import and export of money and goods may change without warning. Seek advice from local authorities.

Some countries won't let you enter unless your passport is valid for six months after you plan to leave that country. This can apply even if you're just transiting or stopping over.

Some foreign governments and airlines apply the rule inconsistently. Travellers can receive conflicting advice from different sources.

You can end up stranded if your passport is not valid for more than six months.

The Australian Government does not set these rules. Check your passport's expiry date before you travel. If you're not sure it'll be valid for long enough, consider getting  a new passport .

Lost or stolen passport

Your passport is a valuable document. It's attractive to people who may try to use your identity to commit crimes.

Some people may try to trick you into giving them your passport. Always keep it in a safe place.

If your passport is lost or stolen, tell the Australian Government as soon as possible:

• In Australia, contact the  Australian Passport Information Service .
• If you're overseas, contact the nearest  Australian embassy or consulate .

If your passport is lost or stolen while ashore, you will need to obtain an emergency passport and an exit visa to leave Russia within the 72-hour visa-free period. If it's not done within 72 hours, you will face a court hearing and possible fine, deportation and entry ban.

To arrange a new visa:

• obtain an official police report
• apply for a replacement passport through the  Australian Embassy in Moscow
• apply to Russian authorities for an exit visa
• include the police report with your application

If you replace your passport while in Russia, make sure authorities transfer your visa to the new passport.

Passport with 'X' gender identifier

Although Australian passports comply with international standards for sex and gender, we can't guarantee that a passport showing an 'X' in the sex field will be accepted for entry or transit by another country. Contact the nearest  embassy, high commission or consulate of your destination  before you arrive at the border to confirm if authorities will accept passports with 'X' gender markers. 

More information:  

•       LGBTQIA+ travellers  

The currency of Russia is the Rouble (RUB).

Russian authorities have imposed temporary restrictions on the export of foreign currency in cash out of Russia. Travellers exiting Russia can't take more than the equivalent of 10,000 USD in cash. Make sure a customs official stamps your declaration. Only stamped declarations are valid.

You must carry proof that your funds were imported and declared, or legally obtained in Russia. Due to the Russian invasion of Ukraine, Mastercard, Visa, and American Express have suspended operations in Russia. Cards issued outside Russia will not work at Russian merchants or ATMs. Cards issued inside Russia may continue to work, but they won't work outside Russia. It may not be possible for you to access your funds through Russian banks or to make payments to Russian businesses with non-Russian credit/debit cards. Be prepared with alternate means of payment should your cards be declined.

You may not be able to exchange Australian dollars as well as old, worn, or damaged US dollar and euro banknotes into Russian rubles in Russia. Ensure you have enough money to cover your stay in Russia. 

Traveller's cheques aren't widely accepted, even in Moscow and St Petersburg.

Local travel

Postal services between Russia and Australia are temporarily suspended. 

More information 

• Australia Post website

Travel to Latvia or Estonia

Latvia bans the entry of vehicles registered in Russia. More information can be found on the  State Revenue Service website . Vehicles are also banned from crossing into/from Estonia at the Ivangorod-Narva crossing. Train services are suspended. Entry and exit on foot are allowed. Additional restrictions or entry requirements could be imposed or changed suddenly. Be aware that some borders may close without notice. 

If you're travelling through an overland border crossing into  Estonia  or  Latvia , confirm the entry requirements for your destination before arrival.

Australia and other countries have placed sanctions on Russia. Russia's response to these sanctions may disrupt travel and affect travellers. Confirm entry requirements for your  destination  before arrival, as additional restrictions or entry requirements could be imposed or changed suddenly.

If, despite our advice, you decide to travel to Russia, note that some areas across the country are considered  'closed' for foreigners. Foreigners need government permission to enter these 'closed' areas. If you need government permission or are unsure if you need it, contact the Russian Ministry of Internal Affairs.

Driving permit

You should carry an International Driving Permit (IDP).

You may drive with an Australian driver's license if you carry it with a notarised Russian translation.

Road travel

Driving in Russia can be hazardous due to:

• poor driving standards
• ice and snow in winter
• poor road conditions in rural areas

The blood alcohol limit for drivers is 0%.

• Driving or riding
• the Russian Embassy

Some taxis appear official but aren't licensed by local authorities.

People have reported extortion and  robbery  while taking unauthorised taxis. See  Safety

Book an official taxi through the local taxi app, by phone, at major hotels and from inside airports.

Flights from Russia to other countries are limited. These may change or be suspended at short notice. You should contact airlines or travel agents directly for the most current information.

The  EU announced  that 21 Russian-owned airlines were banned from flying in EU airspace due to safety concerns.

Russian airlines and railways may be affected by shortages of parts and essential technical components for their fleets, affecting maintenance and safety standards. If you're flying domestically or internationally, research your aviation provider before choosing their services.

DFAT doesn't provide information on the safety of individual commercial airlines or flight paths.

Check Russia's air safety profile with the  Aviation Safety Network

Emergencies

Depending on what you need, contact your:

• family and friends
• travel agent
• insurance provider

Always get a police report when you report a crime.

Your insurer should have a 24-hour emergency number.

Consular contacts

Read the  Consular Services Charter  for what the Australian Government can and can't do to help you overseas.

For consular help, contact the Australian Embassy in Moscow.  Our ability to provide consular assistance in Russia is limited. The Australian Government will not be able to evacuate you from Russia.

Australian Embassy, Moscow

13 Kropotkinsky Pereulok Moscow 119034 Russia Phone: (+7 495) 956-6070  Fax: (+7 495) 956-6170  Website:  russia.embassy.gov.au Twitter:  @PosolAustralia

Telegram: Contact @AusEmbMoscow

If you're in St Petersburg, you can also contact the Australian Consulate for limited consular help.

Australian Consulate, St Petersburg

Moika 11 St Petersburg 191186 Russia Tel: (+7 964) 333 7572 (NOT for visas) Email:  [email protected]  (NOT for visas)

Check the Embassy website for details about opening hours and any temporary closures.

24-hour Consular Emergency Centre

Australians in need of consular assistance should contact the Australian Government 24-hour Consular Emergency Centre:

• +61 2 6261 3305 from overseas
• 1300 555 135 in Australia

Travelling to Russia?

Sign up to get the latest travel advice updates..

Be the first to know official government advice when travelling.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

7 Best Cheap Travel Insurance Companies in July 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

• Skip navigation
• Find a branch
• Help and support

Popular searches

• Track a parcel
• Travel money
• Travel insurance
• Drop and Go

Log into your account

• Credit cards
• International money transfer
• Junior ISAs

Travel and Insurance

• Car and van insurance
• Gadget insurance
• Home insurance
• Pet insurance
• Travel Money Card
• Parcels Online

For further information about the Horizon IT Scandal, please visit our  corporate website

• Multi-Trip Travel Insurance

Annual multi-trip travel insurance

Cost-effective, convenient cover if you travel frequently

Available to everyone aged 75 and under

Under 18's with no medical conditions go free

Travelling more than once this year?

If you're going away more than once in a year, it's worth considering annual multi-trip travel insurance. Taking out this cover means you can travel without the worry, or the hassle, of getting cover every time you go.

Please note there’s a limit to the length of time you can spend away on any individual trip. All Post Office Travel insurance policies cover you up to a maximum of 31 days. If you’re going to be away for longer, you can add our trip extension cover. This gives you an extended protection of 45 or 60 days, for an additional premium.

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.

What’s covered?

Here’s a summary of the cover our annual multi-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Kids covered for free

If you buy a family annual multi-trip travel insurance policy, your children aged under 18 will be covered at no extra cost. All you have to do is name them on the policy, and confirm that they have no medical conditions. They’ll be covered even if they’re invited on holiday with another adult, such as a friend or relative

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Delayed departure (3)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

We also include protection for any unexpected personal liability and legal costs you might be charged while you're away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

(4) Increased to £750 if you bought your foreign currency from Post Office.

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does annual multi-trip travel insurance cover covid-19.

Policies purchased from 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6), or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment. If needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there’s no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What is annual multi-trip travel insurance?

This is a type of policy that covers you for multiple trips within one year.

This is good for people who travel frequently and don’t want the expense of buying a new policy for each journey they take. Remember that if you travel to different parts of the world with each trip, you will need a policy that covers all of the areas you travel to.

All our policies have a maximum 31-day trip duration limit. This can be extended up to 45 or 60 days for an additional premium.

What different cover levels are there for annual multi-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier.

Why buy annual travel insurance rather than single-trip travel insurance?

Buying an annual multi-trip travel insurance policy may not be cheaper outright than a single-trip travel insurance policy. However, multi-trip insurance allows you to take as many trips as you like within the 365-period of the policy. You can take these trips in both the UK and overseas. So it can be more cost-effective and work out cheaper in the long run.

Whether you’re popping abroad to watch the football, fancy a weekend shopping trip to Paris or are taking a two-week family holiday, if you expect to travel more than once in a year, it’s worth considering multi-trip cover.

When does annual travel insurance start?

The start date can be up to 31 days in advance. If you have a pre-booked trip and need cancellation cover, make the start of your policy the date you take it out, not the date your trip starts.

The period of insurance is for 12 months. In that time you’re covered for each trip you book and undertake within that period, up to the maximum trip duration for your chosen policy.

Can you cancel annual travel insurance?

You can cancel your policy within 14 days of receiving your insurance documents. But you can only cancel if you’ve not started a trip, made a claim or intend to make a claim. If you meet these criteria, we’ll give you a full refund.

If you cancel after the 14-day cooling-off period, you won’t qualify for a refund. For annual multi-trip policies, the cancellation period is extended up to the start date of the policy, even if this is more than 14 days from the date you received your documents.

However, we’ll consider any exceptional events that may allow us to repay you for any unused cover. These include bereavement, or an unexpected change to your policy that means we’re no longer able to carry on insuring you.

The unused premium will be calculated on a sliding scale. You can find more information on this in your policy wording.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time

Register policy

Travel insurance policy types

Annual multi-trip cover.

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years  

Single-trip cover

Cover for a one-off trip in the UK or abroad (7)

Perfect for short or long trips for anywhere in the UK or abroad

No age limit

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break

Related travel guides and services

Travel’s a great way to unwind, see the world, open the mind and expand ...

People flock to the Canary Islands from all over Europe. No wonder, with such ...

Greece and the Greek islands have long been a popular travel destination for us ...

If you’re jetting off to Japan soon make sure you have good travel insurance to ...

How safe is South Africa to visit and why is having travel insurance important ...

Find out what medical care Brits can access in New Zealand and travel risks to ...

There’s nothing worse than falling ill while away from home. Along with the ...

We all know the feeling – getting to the airport, then a wave of panic comes ...

It's a proud feeling when children turn eighteen and start holidaying on their ...

If you're travelling abroad as a family, it makes sense to take out insurance ...

Fancy trekking in a remote Asian rainforest? A wild time in New York? Flying ...

Taking your best friend on holiday with you is everyone's ideal situation, but ...

Today, Cuba is more accessible than it has been for many decades, and those who ...

Do UK residents need travel insurance for Ireland? And what healthcare is ...

Planning on living the high life with a trip to the UAE’s iconic mega-city, ...

Booking a last-minute holiday can get the blood pumping with the sudden thrill ...

Find out about medical care available to Brits in Mexico, as well as travel ...

Find out about the safety of travelling to Italy as well as the medical care ...

The status of Schengen visas for international students resident in the UK is ...

Every year, millions of holidaymakers from the UK head to Spain for its ...

The famous cliché of America is that it's big. And it is. Across its six time ...

Heading down under for a trip to or around Australia? Make sure you’ve got the ...

Perched on the northern tip of Africa, Morocco’s long been a popular ...

It may be a short hop away, but a trip to France is not without its travel ...

Canada is a vast country of diverse delights – everything from bustling cities ...

For many UK holidaymakers, India is an intriguing and diverse culture with ...

Thailand’s idyllic beaches, azure-blue sea, buzzing cities and exciting ...

Make sure you’re travelling safely in Egypt with the latest advice and risks, ...

The white stuff is alluring, so make sure you can enjoy it safely, are ready ...

Learn the difference between embassies and consulates, and why you might need ...

With festivals overseas becoming the new norm, festivalgoers need to do a bit ...

Holidays for teenagers can take some imagination to make sure they’ve got the ...

Finding out that your airline or holiday company has gone bust is a shock – ...

The whole idea of lounging around on the beach is to switch off and enjoy the ...

Travelling with high blood pressure is fine – but it’s important to make sure ...

ATOL stands for Air Travel Organisers' Licensing, a scheme that helps make sure ...

Ready to jet off on a much-needed break but worrying about what you can take ...

Whether you’re travelling solo because of business, you’re hoping to meet ...

Over 60 million people travel from the UK most years for holidays or business. ...

The arrival of Airbnb has helped to transform the travel industry in recent ...

Having your son or daughter go on holiday without you for the first time can be ...

The opportunities to combine business and leisure have never been greater. You ...

Exploring the globe can be scary, but there’s so much to find at the edge of ...

Travel insurance for a holiday in the UK isn't something you must have, but it ...

So, you’ve booked your flights, accommodation and activities. What next?

If you're the type of sunchaser who looks forward to that sizzling summer ...

As you get older, being able to go where you want when you want is all part of ...

In an average year, millions of Britons go abroad without the right travel ...

Satisfy your travel craving while making your holiday budget go further. We’ve ...

Whether you’re heading to the beach for a much-needed break or boarding a boat ...

Some vaccinations for Thailand are recommended and some are mandatory in ...

Do you need travel insurance for your trip? Is travel insurance worth it? And, ...

Going backpacking is one of life’s great adventures. But before you set off ...

Enjoy that precious time away with your grandchildren, and take some of the ...

Most of the time, getting a flight is a hassle-free event. If you only take ...

It’s one of the most popular holiday hotspots for UK holidaymakers. But what ...

There are several ways to get to the top of the class on your flight – whether ...

The last thing you want to happen on holiday is standing the luggage carousel ...

If you're travelling to an EU country from the UK, make sure you take a Global ...

You should be able to get the right cover to travel abroad if you’re diabetic, ...

If you're living with cancer but love to travel, can you get travel insurance ...

Lots of people who need assisted travel at airports are missing out simply ...

It’s your holiday too, and good preparation can take some of the worry out of ...

Adventurous holidays can take many forms, from action-packed itineraries in ...

There’s no better feeling than planning an amazing trip to an exotic ...

A trip to Turkey offers toasty beaches and tourist treats aplenty. No wonder ...

Dark mornings, cold hands, heating bills and chapped lips are among the most ...

Travelling solo means freedom and independence, making new connections and ...

With the winter sports season upon us, we conducted a Winter Sports Survey for ...

Before your little bundle of joy arrives, you may be considering taking a ...

Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

Things you need to know

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

365 days for those aged up to and including 70 years

90 days for those aged between 71 and 75

31 days for those aged 76 years and above