Top five rated travel insurance providers

A great trip abroad starts with choosing your destination, but it’s just as important to choose the best travel insurance. The right policy protects you from unexpected costs and gives you peace of mind when you travel.

In this article, we’ve shared the UK’s top five rated companies for travel insurance, reviewed by our Smart Money People community. All ratings and quotes are based on feedback left up to the end of June 2025.

1.       albert & eddie: 5.00 out of 5

albert & eddie is a specialist travel insurance provider that focuses on more complex or non-standard travel needs. That includes cover for adventurous activities or more bespoke trip types that may fall outside typical package holiday insurance.

With a perfect 5-star rating, it currently holds the top spot in our travel insurance rankings.

One reviewer said:

“Having shopped round albert & eddie stood out as the best option for us. Both my husband and I have pre-existing medical conditions and it can be difficult and time consuming to find holiday insurance. In the past I’ve been turned down. It’s good to know that next we book a holiday I haven’t got to worry about finding the right insurance policy.”

2.     Insurancewith: 4.94 out of 5

Insurancewith specialises in providing travel insurance for people with pre-existing medical conditions.

With more than 1,600 reviews and an average score of 4.94, Insurancewith has an impressive track record.

One reviewer said:

“Great value insurance for when you need that extra cover. An understanding company that really get your needs and ensure you have the everything covered. So glad I found them this year!”

3.       Holidaysafe: 4.89 out of 5

Holidaysafe offers a range of travel insurance products, including single trip, annual, cruise, backpacker and winter sports cover. Customers rate it highly, with an average score of 4.89 out of 5.

One reviewer said:

“I have insured with Holidaysafe for a number of years now because they cover many existing conditions at reasonable cost. When I had to make a claim, they dealt with it efficiently and very quickly and paid within days.”

4.     Just Travel Cover: 4.87 out of 5

Just Travel Cover offer insurance for single trips or there’s an annual multi-trip policy which covers you for as many trips as you need over 12 months. Just Travel Cover work with specialist insurers to offer cover for pre-existing medical conditions.

One reviewer said:

“I had to find a travel insurance provider with a competitive price that gave excellent cover options and Just Travel Cover provided me with everything I was looking for, the website was extremely easy to navigate and was very quick and simple, I will definitely use them again and share their service with family and friends.”

5.      Voyager Insurance: 4.87 out of 5

Voyager Insurance provide policies for short stay trips, annual multi-trips, or extended breaks abroad. Cover options include things like cancellation, emergency medical expenses and travel delays.

One reviewer said:

“I actually got to talk to an advisor who helped me select the right insurance policy for my forthcoming trips. I wasn't kept waiting or transferred around, the lady on the phone was excellent, advising me on the right policy at the right price. Excellent one to one service.”

In a nutshell

Travel insurance is the best way to protect you and your loved ones when you’re travelling, but there’s a lot of cover options and insurers to choose from. It’s important to spend some time researching the providers you’re considering so you can find the one that gives you the cover you need for your circumstances.