It may not be the most exciting item on your to-do list, but it really is one of the most important decisions you’ll make before you travel.
Why Comparing Travel Insurance Matters More Than You Might Think
The difficulty is that finding cover which genuinely protects you can feel rather daunting. Premiums differ considerably between insurers, and it isn’t always straightforward to work out what you’re actually getting for your money. That’s precisely why we built OK To Travel the way we did, giving you access to up to 17 quotes from a panel of leading insurers, including A-rated providers, all in one place, so you can compare your options properly and choose the cover that suits you best.
Why Compare Rather Than Simply Going With Whoever You’ve Used Before?
Many of us have a tendency to stick with what we know, perhaps an insurer we’ve been with for years, or the travel cover that comes with a packaged bank account. It feels easier, and there’s a certain reassurance in familiarity.
Take bank account travel insurance as an example. It can be a worthwhile perk, and for some people it works perfectly well. However, most packaged accounts impose limits on medical cover, and pre-existing conditions are very often excluded entirely.
Much the same can be said for simply taking the first quote you come across on a mainstream comparison site. A low premium is naturally appealing, but it’s worth asking whether that policy actually covers everything you need. At OK To Travel, you can view multiple levels of cover from different insurers side by side, which makes it easier to find the most suitable policy at a sensible price, with our friendly, medically-aware team on hand should you have any questions along the way.
Will Having a Medical Condition Push The Cost Up Significantly?
The cost will depend on your particular condition, your destination, and the length of your trip. Everyone’s circumstances are different. What we can say with confidence is that comparing several quotes gives you a far better chance of finding appropriate cover without paying more than necessary. Through OK To Travel, prices can start from as little as 75p per day* – about the cost of a biscuit with your morning cup of tea. Given that everyone’s situation is different and subject to change, the best approach is always to get a full selection of quotes for your specific conditions all at once.
What Should You Look For When Comparing Policies?
It’s worth going through the essentials carefully, medical cover limits, cancellation protection, and the excess you’d be expected to pay. Above all, make sure your pre-existing medical conditions are covered and haven’t been quietly excluded in the small print. Once you know what to look for, comparing policies becomes far less overwhelming than it might initially seem.
Thanks for reading,
Rosie at OK To Travel✈️
Quote based on an individual aged 20, travelling to France for 5 days with asthma declared as a pre-existing medical condition. Quoted £3.77 on 17/03/2026.
