Travel insurance

Do I need travel insurance?

Travel insurance gives you protection if your trip doesn’t go as planned. From missed transport and cancellations to lost possessions and personal injury, the right policy can compensate you and make arrangements that soften the blow.

When you’re planning that ‘no expenses spared’ holiday or a crucial business trip, you need insurance that’s up to the job.

Howden arranges packages of broad, worldwide coverages for private clients. We deliver premium protection with a first-class service, helping to ensure a hassle-free trip. We can organise insurance for a single trip as well as annual coverage for frequent travellers.

What does travel insurance cover?

Travel protection
If events beyond your control upset your travel plans, we’ll compensate you for your additional travel and accommodation expenses, as well as any missed holiday time.
 

Delayed flight compensation
We can’t prevent your flight from being delayed, but we can make the wait more comfortable.

Our SmartDelay Plus service gives you access to an airport lounge or an equivalent cash sum.  

Worldwide medical emergencies cover
Access specialist emergency medical attention anywhere across the globe. If your treatment requires travel elsewhere, we’ll also cover your repatriation costs.

High limits for baggage and personal belongings
Pack comfortably knowing that your luggage is fully protected – including any cash and cards.

We offer high single article limits, ensuring valuables including smartphones, laptops, and jewellery are sufficiently covered.

Holiday cancellation protection
Having quality cover in place before you travel is crucial for high-value holidays. Our extensive cancellation cover helps to protect you against unforeseen circumstances including illness, family bereavement, and burglary.

We’ll also compensate you if an unforeseen reason forces you to cut your trip short.

Financial Failure Protection included as standard
There’s always a risk of your airline or hotel going bust. Our policies come with Financial Failure Protection, helping to ensure you’re not left out of pocket.

Extensive sports and activities coverage
Finding suitable cover for some higher-risk activities can be tricky.

Howden are experts at placing cover for trips with complex insurance requirements. We include a wide range of sports and activities as standard.

Optional additional cover is also available.

Document assistance
We know how frustrating it is when important documents are lost or stolen – especially when you’re away from home.

Our team is at hand to help replace passports, visas, driving licenses, and other documents. If your missing documents disrupt your travel plans, we’ll cover your additional flight and accommodation expenses.

Existing health conditions included
Why should a well-managed health condition restrict your access to quality cover?

Many minor health conditions are automatically included under our cover. For conditions not explicitly covered, we provide simple online health screening with access to qualified nurses.

Around-the-clock online travel assistance
Prepare and manage your trip with our 360 assistance service. Get daily safety updates informed by the latest political and local security insights.

Evacuation cover
If you’re caught up in a natural disaster or political unrest, we’ll ensure you have the necessary funds to reach safety. Where possible, we’ll also help you to continue your holiday elsewhere.