Travel Insurance for UK

Travel Insurance for UK
Travel Safety Tips for UK
Popular UK Travel Destinations
UK Embassy & Consulate Information

Do I Need Travel Insurance to Visit the United Kingdom?

If you're a U.S. citizen looking to travel to the United Kingdom, you may be wondering whether travel insurance is required for your trip. While travel insurance is not a requirement for UK trips, citizens of the United States may want to consider purchasing trip coverage. Many American travelers carry health insurance through their employers or the government marketplace, but these policies typically will not cover healthcare costs when traveling abroad. For this reason, UK travel insurance is a good idea. Policies and coverages range from single medical coverage to comprehensive and can include additional benefits, like insuring trip cost, covering lost baggage, or canceling for any reason (CFAR).

The advantage of buying travel insurance for a UK trip from InsureMyTrip is that we not only offer a variety of coverages, but we also allow travelers to quote, compare and buy from 20+ providers in one convenient place. Those considering travel to Great Britain, including England, Scotland, Wales, and Northern Ireland, can also read reviews from other customers who already made the trip. Impartial reviews and the wide range of options make it easy to find the right plan for your needs.

Is Travel Insurance Required for UK Visitor Visas?

Travel insurance is not required for UK Visitor Visas for up to six-month stays, but proof of medical insurance is required for Schengen Visas. However, U.S. citizens traveling to the United Kingdom are not required to obtain a Schengen Visa. It's a good idea to view the full list of Schengen area countries as well as which countries' citizens require Schengen Visa to enter the European Union before planning your Great Britain getaway. Be sure to stay up to date on current UK travel policies as well since the politics of the EU often change over time.

How Much is Travel Insurance to the UK?

Travelers planning a trip to the UK often want to know specifically how much travel protection will cost, but the short answer is it depends. The cost of UK travel insurance varies based on several factors including the age and number of travelers, the types of coverages and benefits needed, whether the cost of the trip will be insured, and even the providers themselves. As with most insurance, getting a quote with your details as well as those for any traveling companions is the best way to determine the range of options.

Another common question we get from those traveling to the United Kingdom is: "What is the best travel insurance for the UK?" Like cost, the “best” plan is dependent on the individual needs of the travelers. For instance, a millennial without any current medical conditions would find the "best" coverage for them is very different from a Generation Xer with a pre-existing condition. Age, medical history, number of traveling companions, scheduled activities during the trip - these are all factors that could lead to different coverage for different travelers, even to the same country. Unlike other comparison sites, InsureMyTrip recommends the "best" coverage options for each traveler and trip by understanding the traveler’s details. Whether you purchase a plan on the website or from one of our licensed Customer Care Representatives, you will get a plan that covers your concerns. Additionally, InsureMyTrip provides impartial reviews for every plan so customers can learn from other travelers’ experiences. You can even filter plan reviews for specific destinations to get the most relevant insights.

What About Brexit?

More and more customers have been asking us questions about the impact of Brexit. While the details of the UK's exit from the EU still haven't been finalized, we are monitoring the developments closely to determine how travel insurance will be affected by Brexit.

Travel & Safety Tips for the United Kingdom

Money & Currency Exchange

Seasoned travelers to Britain are pretty familiar with the difference in currency, but it can be a bit daunting for first-timers. The UK uses the pound, or more officially "pound sterling". Sometimes abbreviated as GBP, the pound is similar to the dollar in that it is divided into 100 units, or pence. One big difference though is that the U.S. one-dollar bill is the smallest paper note, but the UK's smallest note currently in circulation is the 5-pound note. British coins include 1 penny, 2 pence, 5 pence, 20 pence, 50 pence, 1 pound, and 2 pounds. British notes include the aforementioned 5-pound as well as 10, 20, 50, and 100-pound denominations. However, travelers to Scotland may encounter Scottish one-pound notes and other older currencies as well so it's important to always pay attention, especially when receiving change. In addition to knowing the money system, it's a good idea to understand any slang terms that may apply. "Quid" is commonly used interchangeably with "pound"; or you might hear the word as "nicker". Here's a great resource that goes into depth about the history of the currency and additional colloquial terms that apply.

Many travelers would argue that what's even more important than the currency used is the exchange rate for it. The exchange rate between the pound and U.S. dollar often fluctuates, so it's a great idea to check rates before heading to the currency exchange either domestically or once you arrive. ATMs provide a convenient way to exchange money if your bank doesn't charge an international fee. Pay attention to the fees charged by the ATMs and banks, so you're not losing more money than necessary on those transactions. There are a variety of programs and apps that can help convert and track currency when traveling abroad.

Additionally, well-established businesses often accept credit card payments and some will even accept U.S. dollars so be sure to leverage that where possible. In short, do your research and be prepared. Also, pick ATMs that are inside businesses or shopping malls and avoid machines found on the street or in open public areas.

Crime Risk

One of the most popular reasons U.S. travelers frequent Great Britain is that crime risk is relatively low as compared to many other European destinations. This may be due to the fact that the UK does not permit private citizens to own firearms. Furthermore, English is the primary language in the UK, so communication is often easier between Americans and Britons and lessens the likelihood of being taken advantage. Still, many other languages are spoken, and the several dialects and accents of Britons can be difficult for foreigners to distinguish. Welsh, Scottish, and Northern Irish accents vary quite a bit from English accents and even English accents vary from places like Liverpool to the West Country.

As with traveling anywhere, staying vigilant in crowded places and having situational awareness is the best way to steer clear of safety risks. However, there are bad actors in every part of the world, so protecting yourself from theft and especially identity theft is a great idea. There are precautions travelers can take themselves as well like using a money belt instead of a wallet and keeping valuables in the safe at your hotel.

Be sure to stay up to date on any travel advisories issued for the United Kingdom and plan accordingly.

Transportation

While avoiding high crime areas is an obvious way to travel safely in the UK, many visitors don't realize that the laws governing the roads can be one of the most significant safety hazards. The UK is unique from most of the rest of the world in that cars and other automobiles travel on the opposite side of the road. Not only does this pose a risk to drivers but also pedestrians because they sometimes cross streets without looking the proper direction. If you plan to rent a car while traveling in the UK, make sure you're aware that the rules of the road are different, cars (and parking spaces) are typically smaller, and many automobiles have manual transmissions.

The UK has a well-regarded transportation system, which includes several major airports, train stations, and subway systems. The variety of transportation options makes it easy to get around the UK. You can even take cruises between the mainland and Northern Ireland, so think about cruise travel insurance or getting flight protection if your travels will include those modes of transportation.

Electricity

The standard voltage for the UK is 230V AC as opposed to 120V in the United States. Power outlets usually consist of three rectangular prongs rather than the two flat and one round in the states. Universal travel adaptors are great for not only the United Kingdom but also other locations with varying voltages. Pack one for your trip so you can avoid issues when using your electronic devices.

Top UK Travel Destinations

The United Kingdom consists of four different countries, so it's no surprise there are so many great travel destinations and tourist attractions. This "best-of" list breaks down some of each country's most popular destinations among UK travelers. Your travel itinerary will depend on the types of activities you enjoy, who you'll be traveling with, and of course budget, but this list is the perfect way to start planning your United Kingdom "holiday".

Check Out These Hidden Gems in London, England

When traveling in London, there are endless things to see and do. Most adventurers will have the typical places on their list of must-sees, but you haven’t experienced the best the city has to offer until you’ve hit some of its hidden gems. As a tourist, or even as a local, it’s easy to find yourself in the same old places—but the truth is there are tons of incredible hidden gems in London just waiting to be explored.

Today we’ll show you some of the locals’ best-kept secret spots in London—each curated to give you a little natural getaway from the busy city. From secret, serene gardens to parks with a view of the entire city, you won’t regret adding these hidden wonders to your itinerary when traveling in London.

Hampstead Hill Garden and Pergola

Known as a hidden treasure by the locals, The Hill Garden and Pergola is nestled in the grassy area of London called Hampstead Heath. This spot is easily one of the city’s prettiest gardens and even more beautiful if you visit it when it’s in bloom in the spring and summer months. Originally built as part of the 19th-century Hill House Villa by Sir William Lever, Viscount Leverhulme, the manor has since been demolished, but this breathtaking garden still stands today. This peaceful haven is the perfect place to walk around and take in the stunning sights of nature. Add this to your list of secret spots in London to visit and you won’t be disappointed.

Streatham Rookery

Staying on the theme of gardens, Streatham Rookery is a hidden gem you’ll certainly want to check out when traveling in London. This historic garden is filled with ornamental ponds, a community garden, beds of wildflowers, an orchard, and much more natural beauty. Once the home of a large private house called “The Rookery,” the grounds were bought and saved from redevelopment and turned into a formal open space, first serving the public beginning in 1913. This secret spot is yet another destination that makes you feel as though you’re outside of the city when in reality you’re just around the corner from the hustle and bustle.

One Tree Hill

For some of the absolute best views of the city, One Tree Hill is a gem of a destination to add to your list of London must-sees. Located tucked away in a leafy green area of Honor Oak Park, One Tree Hill offers visitors some interesting history coupled with a panoramic view of London’s contemporary skyline. Despite its name referring to only one tree, this area is actually full of trees. But there’s one that’s responsible for the spot’s namesake. The Oak of Honour is positioned at the top of the summit and is known to mark the boundary of the feudal barony of the ancient Honor of Gloucester in the medieval Norman times. It’s also said to have been a spot where Elizabeth I picnicked in 1602. To experience a view like no other while learning some interesting London history, a visit to One Tree Hill is a must.

With so many wonderful things to see and do in London, it is important to remember how important it is to add travel insurance to your plans. Travel insurance for London trips makes it possible to feel more confident when traveling, so you can focus on making unforgettable memories. Comprehensive policies can offer coverage for a broad range of travel misfortunes, such as trip cancellation or interruption, so investing in an insurance plan that works best for your London trip will likely save you time and money in the long run.

Local Favorites in Edinburgh, Scotland

When you're wondering what to do in Edinburgh, Scotland, the list is virtually endless. From historic castles to beautiful views of both cityscape and countryside, anything you decide to enjoy will be an excellent choice. To help you solidify your itinerary, though, we've collected our top Edinburgh travel tips so you can experience the destinations that locals love.

Edinburgh Castle

Wondering what to do in Edinburgh first? Start with its eponymous castle, an icon in the local landscape. Sitting majestically atop a volcanic rock, it offers stunning views of the city. More wonders await, however, when you head inside. Visitors can explore the vast Great Hall, gaze at historic crown jewels, and immerse themselves in the history of this storied destination.

Arthur's Seat

Another one of the best Edinburgh travel tips is to visit Arthur's Seat. Some say this destination's name comes from a connection to King Arthur, though nothing in history provides a direct link between the legends and this beautiful spot. Regardless, a trek up this volcanic formation is worth it, with trails for experienced and novice hikers alike. Along the way, you can enjoy the vibrant yellow gorse that blooms on the hillsides, and at the top, a panoramic view of Edinburgh and the surrounding landscape is your well-earned reward for a successful journey.

Calton Hill

If you're wondering what to do in Edinburgh after a stop in one of the local taverns for a bite to eat, a stroll up Calton Hill could be the perfect treat. Nicknamed "Athens of the North," this destination is home to several monuments inspired by ancient Greek architecture. From the National Monument, and unfinished replica of the Parthenon, to the City Observatory, which played a huge role in Edinburgh's place in the astronomy community, Calton Hill represents an oasis of life-size art (as well as a haven for history buffs). It also has beautiful, open parks where visitors can picnic or simply rest amidst the bustle of Edinburgh.

Protect Your Edinburgh Trip with Travel Insurance

Out of all the Edinburgh travel tips we could offer, the most important one is to spend your time enjoying your trip, not worrying about obstacles that could arise during your travels. That's why we recommend looking into Scotland travel insurance for your upcoming adventure. When you buy a policy that fits your needs before you go away, it may be able to protect you financially in the event of delayed or canceled flights, lost or damaged luggage, or needs for medical attention.

If you're wondering where to buy travel insurance online, make your first stop InsureMyTrip. As the world's first travel insurance comparison website, we're an unbiased source of information that you can use to compare policy options from top providers. You can also access our licensed team of dedicated Customer Care experts, who can answer your coverage-related questions or guide you as you look to purchase the right Scotland travel insurance for a unique trip.

To learn more about your travel insurance options—and to find out where to buy travel insurance online that fits your needs—start a quote on our site today.

U.S. / U.K. Embassy and Consulate Locations

U.S. Embassy and Consulate in the United Kingdom

• U.S. Embassy London
  33 Nine Elms Lane
  London, SW11 7US, United Kingdom
  Phone: 44.020.7499.9000
• Belfast, United Kingdom — U.S. Consulate General
  223 Stranmillis Rd
  Belfast BT9 5GR, United Kingdom
  Phone: 44.028.9038.6100
• U.S. Consulate General Edinburgh
  3 Regent Terrace
  Edinburgh EH7 5BW, United Kingdom
  Phone: 44.0131.556.8315
• U.S. Consulate General Hamilton (Island of Bermuda)
  16 Middle Road
  Devonshire, DV 03, Bermuda
  Phone: 441.295.1342

United Kingdom Embassy and Consulate in USA

• Washington DC — British Embassy Washington
  3100 Massachusetts Avenue, NW
  Washington DC 20008 United States
  Phone: 0207.008.5000
• Los Angeles, California — British Consulate General
  2029 Century Park East, Suite 1350
  Los Angeles, CA 90067 United States
  Phone: 1.310.789.0031
• San Francisco, California — British Consulate General
  1 Sansome Street, Suite 850
  San Francisco, CA 94104 United States
  Phone: 1.415.617.1300
• Miami, Florida — British Consulate General
  1001 Brickell Bay Drive
  Miami, FL 33131 United States
  Phone: 1.305.400.6400
• Atlanta, Georgia — British Consulate General
  133 Peachtree Street NE, Suite 3400
  Atlanta, GA 30303 United States
  Phone: 1.404.954.7700
• Chicago, Illinois — British Consulate General
  625 N Michigan Avenue, Suite 2200
  Chicago, IL 60611 United States
  Phone: 1.312.970.3800
• Boston, Massachusetts — British Consulate General
  One Broadway
  Cambridge, MA 02142 United States
  Phone: 1.617.245.4500
• New York, New York — British Consulate General
  1 Dag Hammarskjold Plaza
  885 Second Avenue
  New York City, NY 10017-6927 United States
  Phone: 1.212.745.0200
• Houston, Texas — British Consulate General
  1301 Fannin Street, Suite 2400
  Houston, TX 77002 United States
  Phone: 1.713.210.4000