We highly recommend obtaining Staycation Travel Insurance for a UK trip as it will not only cover you for the cost of your trip if you fall ill and can no longer travel or if your personal belongings are lost, stolen or damaged during your trip. Having UK only Travel Insurance will give you the peace of mind needed to relax while on your Staycation.

Some UK-only Travel Insurance policies will cover you for bad weather. However, we highly recommend checking the policy wording for further details as this can differ per scheme.

A seacation is a cruise around UK waters. It’s a chance to explore the breathtaking British Isles from the luxury of a cruise ship with the same level of first-class service as you would expect on any cruise voyage.

UK Staycation Travel Insurance will not cover you for emergency medical expenses as you will be expected to be treated under the NHS. Accommodation and journeys will also only be covered when booked in advance and your UK break must be over a certain distance from your home address and for at least 2 nights of pre-booked accommodation. This may/can differ per insurer, so make sure you check the policy wording for more details.

A UK only, or Staycation, Travel Insurance policy needs to be tailored to your own individual needs and requirements. No one size fits all, especially if you have a pre-existing medical condition. At Just Travel Cover, we compare multiple insurers and offer cover for hundreds of pre-existing medical conditions with no age limit. Not only that but we also offer three levels of cover, bronze, silver and gold, to help find the best policy for you. You can view our Travel Insurance Checklist here to help you find the right policy for your needs.

Any leisure travel to Northern Ireland is covered by your UK Travel Insurance. However, Southern Ireland is classed as part of Europe so you would require a Travel Insurance that covered either Southern Ireland (single) or an annual European Policy.

Yes, you do need Travel Insurance for Southern Ireland if you’re travelling from England. While Northern Ireland is covered under holiday insurance for UK holidays due to its status as part of the UK, Southern Ireland (the Republic of Ireland) is considered a separate entity and is classified as part of Europe for Travel Insurance purposes. To make sure you’re covered for any unexpected events, medical emergencies, or travel-related issues, it’s important to get a Travel Insurance policy that specifically includes Southern Ireland. For single-trip policies, just select Southern Ireland from the drop-down list, and for annual policies, Southern Ireland will be covered under Europe or Worldwide. This will provide you with peace of mind during your trip to Southern Ireland, covering potential issues such as trip cancellations, medical emergencies, lost or stolen luggage, and more.

UK Holiday Cancellation Insurance for staycations typically excludes cover for pre-existing conditions that were not declared, meaning medical issues known before purchasing the insurance may not be covered. Additionally, it usually does not cover cancellations due to a change of mind or deciding not to travel within the UK without a valid reason. Failure to meet booking requirements or obtain necessary permissions for accommodations and activities are also common exclusions. Finally, cancellations resulting from civil unrest, strikes, or natural disasters within the UK might not be covered under standard policies.

Yes, you should make sure your Travel Insurance includes cancellation. Holiday cancellation provides cover if you are suddenly unable to go on your trip. This covers several insured reasons, including falling ill, sudden family illness, death or injury. Always read the terms and conditions of your policy, ensuring cancellation cover reflects the full cost of your holiday. While most staycations are lower-cost, if you’re booking a luxury staycation or a trip with high upfront costs, such as a UK cruise or premium accommodation, you may want to consider top-up cancellation cover as an additional measure. This provides extra protection for high-value holidays where the standard cancellation limit may not fully cover your expenses.