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Annual multi-trip insurance

Collect up to 1,0001
Cover for a wide range of pre-existing medical conditions. Subject to a medical screening.
24/7 emergency support line for when you need it
Protect trips paid with Avios, money, or both
Manage your policy online anytime, and start most claims online

Choose from three levels of cover

Limits apply per person, per trip unless otherwise stated. You can find the full details in our Policy Documents.

Basic

Collect up to 1,0001
  • Up to £5,000,000 emergency medical and repatriation
  • Up to £2,500 trip cancellation
  • Up to 75,000 Avios protected2
  • Choose from £50, £100 or £150 excess
Defaqto 3 Star expert rated travel insurance single trip 2025
Basic IPID

Standard

Collect up to 1,0001
  • Up to £10,000,000 emergency medical and repatriation
  • Up to £5,000 trip cancellation
  • Up to 200,000 Avios protected2
  • Choose from £50, £100 or £150 excess
Defaqto 4 Star expert rated travel insurance single trip 2025
Standard IPID

Premier

Collect up to 1,0001
  • Up to £15,000,000 emergency medical and repatriation
  • Up to £7,500 trip cancellation
  • Up to 500,000 Avios protected2
  • Choose from £50, £100 or £150 excess
Defaqto 5 Star expert rated travel insurance single trip 2025
Premier IPID

IPID = Insurance Product Information Document

Add extras to tailor your cover

Gadget

Provides protection for your gadgets of up to £2,000 per person per trip against accidental damage, malicious damage, loss and theft during your trip.

Cruise

Cover for things like emergency medical treatment onboard your cruise, plus extra cruise-related benefits like cover for missed port departure.

Winter sport

Cover for your winter sport activities plus extra benefits like cover for your winter sport equipment and piste closure.

Terms apply. See our Policy Document for full details.

Avios Protect

Don't say adios to your Avios

Your Avios should take you places — not disappear when plans change. That's why they're also protected if your trip doesn't go to plan, whether you paid with cash or Avios.

Protect up to 500,000 Avios

Every policy includes Avios Protect, with cover for up to 75,000 Avios with our Basic cover, 250,000 with our Standard cover, and 500,000 with our Premier cover.2

Use your Avios with confidence

Covers Avios redeemed on flights, car rental, hotels, or experiences with your British Airways Club account across ba.com or britishairways.com.

Get your Avios reissued

If your claim for cancelling or cutting your trip short is approved, we'll reissue your Avios back into your British Airways Club account.

See our Terms and Conditions for details.

Questions? Answers

Why is it important to have travel insurance?
Travel insurance covers unexpected costs when trips don't go as planned, such as needing to cancel, requiring emergency medical care abroad, or having belongings lost or stolen. It can protect travellers financially according to the level of cover chosen, helping you recover costs that would otherwise come out of pocket.
Do I need to think about medical cover in Europe if I have a GHIC card?
Yes. A GHIC card only gives you access to state-provided healthcare in the EU or Switzerland and doesn't cover private treatment or medical repatriation to the UK. Travel insurance can cover those costs and other emergencies not included under GHIC.
Can I purchase Avios Travel Insurance if I'm already travelling?
No. Avios Insurance Travel has to be purchased before your trip begins. Once you've started travelling, you can't buy a new policy to cover that journey. Check the Policy Document for full eligibility details.
How do I make changes to my travel insurance policy?
You can manage your policy and request changes to your policy online by signing in to your Avios insurance portal.

You must tell us as soon as possible about any changes that could affect your cover, including if:
  • your travel destinations change outside of the countries listed on your Policy Schedule;
  • your travel dates change;
  • you are no longer a UK resident;
  • you wish to add or remove an insured person or change their details;
  • there are any changes to the health of you or any other insured persons (including any new or pre-existing medical conditions); or
  • you wish to add any additional cover to your policy (for example, the Cruise Pack or Winter Sports Pack).
In certain circumstances, we will agree to you making changes to your policy.

Please see the specific terms in the relevant Policy Document.
Can I get a refund if I cancel my travel insurance policy?
You have a 14-day cooling-off period once you buy your policy. If you decide that this policy is not right for you, you may cancel it within 14 days of purchasing your policy.

We will give you a full refund if you cancel within this cooling-off period, provided that:
  • you have not started a trip; and
  • you have not made a claim under your policy and do not wish to make one; and
  • you do not want to exercise any other right under your policy.
In that case, your policy will be cancelled from the date the policy was issued, which means it will be as if you had no cover at all.

See the relevant Policy Document for full details.
Are there any destinations I can't go to under this policy?
Your Policy Schedule will list the countries or regions you chose to be covered in when you purchase your policy.

Your policy will not provide cover outside of the countries or regions listed on your Policy Schedule, other than a country that you are stopping over in for less than 12 hours where you are not going to be leaving the airport.

Before you make plans to travel or leave for your trip, please make sure you check the latest government advice for your destination at www.gov.uk/foreign-travel-advice. If there is a travel restriction or advisory notice for your destination, this may affect your cover depending on when you purchased your policy, and when you plan to leave for your trip. Please see the relevant Policy Document for full details.
How do you protect my Avios?
With Avios Protect™, you may be covered for the reinstatement of Avios that you redeemed through ba.com or britishairways.com through your British Airways Club account for any of the unused non-refundable prepaid expenses we cover under:
  • Section 2: Cancelling Your Trip
  • Section 3: Cutting Your Trip Short
  • Section 6: Travel Delay and Abandonment
If your claim is approved, we'll reinstate your Avios up to the policy limit for your cover level, provided the points are not reinstated by your travel provider or Avios Group (AGL) Ltd separately.

The Avios will be reinstated to your British Airways account.

Please read the full terms of our Avios Protect™ cover in the relevant Policy Document.
How much Avios will I earn with Avios Insurance
Customers can collect 10 Avios per £1 spent on our single trip travel insurance policies purchased through the Avios Insurance website, up to a maximum of 1000 Avios per single trip insurance policy purchased. See the full terms and conditions.

You need to keep your policy active for at least 14 days to be eligible.

The offer is only available to the main policyholder, and you need to link your Avios Insurance policy with your British Airways Club account within 60 days using the link provided once a policy has been purchased.

Other eligibility criteria, terms and conditions apply, so please make sure you read the relevant terms and conditions.
Who can I contact about issued with my Avios or British Airways Club account?
If you are having any issues with your Avios or British Airways Club account, you can find the relevant contact details and open hours on the British Airways Club website.

1 Get 10 Avios for every £1 you spend on Avios Insurance up to a maximum of 1,000 Avios. Applies to each policy you buy. To be eligible to earn Avios with your purchase, you must be a British Airways Club member, and you must link your British Airways Club Account to your policy within 60 days of purchase. For more detail on Avios and the British Airways Club click here.

2 Avios Protect™: You may be covered for the reinstatement of Avios that you redeemed through ba.com or britishairways.com through your British Airways Club account for any of the unused non-refundable prepaid expenses we cover under the 'Cancelling your trip', 'Cutting your trip short' or 'Travel delay and abandonment' sections of your Policy Document. Reinstatement only applies if the points are not reinstated by your travel provider or Avios Group (AGL) Ltd separately. For further details, please see your Policy Document.