Single or annual multi-trip insurance cover
M&S Travel Insurance offers a choice of cover for you and your family, so you can choose your policy depending on your holiday and individual needs.
Replacement of lost or stolen items
Money and travellers' cheques could be replaced if they're lost or stolen (age limits apply). We could even pay for the unused portion of your passport or driving licence. Limits apply.
Medical emergency cover
If you're ill or have an accident while on holiday, your medical expenses could be covered up to £10 million.
Cancellation or curtailment
Claim compensation for irrecoverable costs up to £6,000 if your trip is affected by illness, injury or redundancy (subject to policy terms and conditions).
Cover for independent travel
If you book your flights, hotels and car hire separately (not through a tour operator) our optional travel disruption cover could insure you against natural disasters, bad weather, strikes, cancellation due to British FCO advice or denial of boarding (T&Cs apply).
No fees to change or cancel your policy
If you need to cancel or change your policy during the annual policy term, no administration fees will be charged.
Enhance your policy
Baggage – protection if your bags go missing or get damaged.
Hazardous activities or winter sports – cover for various activities, including snow activities plus winter sports equipment loss/damage and even piste closure.
Online medical screening
You don't have to discuss existing medical conditions over the phone. Simply fill out the online form to complete your medical assessment and we'll let you know if cover is available.
Compare travel insurance cover options
Cover you can rely on
We offer a choice of cover options so you can tailor your travel insurance to meet your needs. You can compare the level and types of cover in the table below. Whether you decide to add any cover options to your policy or not, you can relax knowing we'll deal with any claim quickly and fairly if something goes wrong with your travel plans.
Available for single trip and annual multi-trip travel insurance policies. All cover levels are per person.
|Cover benefits||Includes (up to)||Option (up to)|
|Emergency medical and other expenses||£10 million||–|
|Cancellation or curtailment||£4,000||Reduce to £2,000 or increase to £6,000|
|Personal accident||£25,000 (£1,000 for those aged 65 or over)||–|
|Personal liability||£2 million||–|
|Overseas legal expenses||£25,000 (£50,000 maximum if more than one insured person applies)||–|
|Travel disruption cover||Option only||If selected, the level of cover will match the chosen level of cancellation or curtailment cover|
|Winter sports||Option only||Standard limit of £500 for equipment and £30 per day for piste closure (option of up to £500 max)|
|Age limit - annual multi-trip||80 (70 if travelling to the USA, Canada or Caribbean Islands)||–|
|Age limit - single-trip||No limit (80 if travelling to the USA, Canada or Caribbean Islands)||–|
|Excess||£100||Reduce to £50|
|Online medical screening||Yes||–|
|Baggage||Option only||£1,000 or £2,500|