Travel insurance

MoneySavingExpert has shared important safety advice for holidaymakers

MoneySavingExpert (MSE) has issued a travel warning to millions of people. Founded by journalist and broadcaster Martin Lewis, MSE regularly posts consumer advice for Brits. In the latest Money Tips Email, the experts offered advice for anyone booking holidays.

In the email, the team told readers: “Summer is coming, and if you’re booked to go away and haven’t got your insurance yet, you need to do it NOW, today, straight away!” As the experts pointed out, booking travel insurance as soon as you book your holiday offers the maximum protection, including cover if something happens that prevents you from travelling.

Before setting off, it’s also advised to get a Global Health Insurance Card if you’re travelling to Europe. In the alert, MSE revealed that over two million cards are expected to expire this year. As a result, millions could miss out on the benefits if they don’t renew ahead of upcoming holidays.

The UK Global Health Insurance Card enables holidaymakers to access healthcare without paying more than a local resident would while travelling in the European Economic Area.

The NHS explains: “The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay.

“The UK GHIC has replaced the existing European Health Insurance Card (EHIC). If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you’ll need to apply for a UK GHIC to replace it.”

While people are advised they should also take out travel insurance, it could help you avoid paying the excess if you need medical treatment during your trip. MSE said: “Going to the EU? Ensure you’ve a valid (free) GHIC/EHIC – over 2m expire this year.

“The ‘Global Health Insurance Card’ (GHIC) and its predecessor, the EHIC, give access to state-run hospitals or GPs, mainly in European countries, for the same price as a local. So if they don’t pay, you don’t either. Over two million expire this year, check yours.”

A UK GHIC is free, and you can apply through the NHS website. The NHS advises avoiding unofficial websites, which may charge an application fee. People can apply for a new card up to nine months before their current card expires.

The NHS says: “You can apply for a UK GHIC if you’re a resident in the UK. You can also add your family members to your application when you apply.”

Travel insurance for Turkey has jumped almost 50 per cent in just a year, according to new data

Five European and Mediterranean destinations including some hotspots much loved by British tourists have been named as having seen big rises in insurance costs, directly caused by the Middle East crisis. Travel insurance for Turkey has jumped 46% in just a year, according to new data analysing 5,000 policies across popular destinations near conflict zones.

There is no sign of the Middle East conflict calming down – today Iran fired ballistic missiles and drones towards Bahrain and Kuwait, Bahrain’s government said, adding that they were intercepted.

Bahrain’s government called on Tehran to immediately cease attacks on Gulf neighbours that it deemed a “serious escalation”. Iran’s Foreign Ministry said the US early Saturday attacked surveillance facilities on Qeshm Island and near Sirik that it said were used to protect borders and “ensure the security of navigation in international waters”.

The latest exchange of fire came as the Trump administration pressed Iran to make a deal to end the war that has strained the global economy and threatened a hunger crisis in some of the world’s most vulnerable countries.

The US military earlier said it shot down several Iranian missiles and drones launched towards the Strait of Hormuz and Gulf Arab allies, and struck some of the Islamic Republic’s coastal surveillance radar sites in response.

It has had a big impact on the region with some popular destinations seeing big rises in premiums. Quotezone travel insurance expert Helen Rolph warned travellers not to assume last year’s prices still apply and urges holidaymakers to compare policies carefully, buy cover as soon as they book, and check Foreign Office advice before travelling.

Industry experts compared 5,000 travel insurance premiums across five popular tourist destinations close to conflict zones, revealing which countries have seen the biggest price increases over the past year.

Prices in Turkey have been affected the most despite it traditionally being considered one of the most popular and cost-effective destinations for UK holidaymakers over recent years.

Standard travel insurance premiums to the country have jumped from £40.56 in early 2025 to £59.19 just a year later – a rise of 46% or almost £20 per trip – which may be due to the fact it shares a border with Iran.

Holidaymakers travelling to Bulgaria are also seeing a sharp rise with prices up 19%, possibly down to its proximity to Ukraine.

Premiums for Cyprus have increased by 6%, Egypt by 4% and Poland by 8%. To gather the data, popular holiday destinations for British tourists were cross-referenced with countries geographically close to conflict zones, namely Ukraine and Iran, creating a dataset of major holiday hotspots in relative proximity to areas of geopolitical tension.

Insurers regularly reassess risk when global tensions rise, particularly in destinations close to areas where travel complications might become more likely.

Destinations situated close to areas experiencing heightened tensions – such as Iran and Ukraine – could see premiums shift as insurers reassess the likelihood of travel disruption, delays or emergency evacuation should issues escalate.

Helen Rolph, travel insurance expert at Quotezone.co.uk said: “Travel insurance prices change constantly as insurers respond to global events, the number of claims made and healthcare costs.

“Even if a destination remains popular despite its proximity to ongoing conflict, premiums can rise when the wider region becomes more uncertain.

“Travellers and holidaymakers shouldn’t assume last year’s prices will still apply and make sure they’re comparing policies carefully rather than opting for the cheapest option, as cover can vary significantly.

“It’s also sensible to arrange insurance as soon as a trip is booked, check government travel advice before departure, and ensure any medical conditions are fully declared.

“Travel disruption insurance can also be useful as it covers a wider range of issues while travelling but it’s important to remember that travel insurance won’t provide cover if the foreign office advises against travel to that region and most travel insurance policies won’t cover war related incidents. It’s crucial for holidaymakers to check what is and isn’t covered on their policy and add any extras or specialised cover they might need.”

Travel Insurance Premiums

Country // Average 2025 // Average 2026 // Average Price Change // % Change

Turkey £40.56 £59.19 £18.63 46%

Bulgaria £32.70 £38.82 £6.11 19%

Poland £10.50 £11.32 £0.82 8%

Cyprus £43.21 £45.80 £2.59 6%

Egypt £68.52 £71.30 £2.78 4%

A YouGov survey has ranked budget airlines by food quality, with results likely to surprise some UK travellers

A recent YouGov survey has revealed the worst airline food on offer, with budget carrier Ryanair topping the list for all the wrong reasons. Travel expert Mr Plane Guy weighed in on the findings, saying: “Unfortunately, not every airline hits the mark when it comes to in-flight dining.

“At the bottom of the list is Ryanair, where only 21% of passengers had good things to say about their snacks and drinks. Worse yet, just 17% found the meals satisfactory, and a staggering 50% labelled them as ‘poor’. Not far behind is Wizz Air, with just a quarter of passengers giving their snacks and drinks a thumbs-up, and 40% rating the meals as bad. easyJet also struggled, with only 35% of travellers enjoying their snacks and 29% happy with the meals.”

He went on to say: “If food is an important part of your flying experience, choosing the right airline can make all the difference! Emirates and Qatar Airways seem to be the safest bet for delicious meals, while budget carriers like Ryanair and Wizz Air might leave your stomach rumbling.”

One Ryanair passenger took to Tripadvisor to share their experience, writing: “Why is the food so bad!? We usually pack a lunch for our flight. In this case, we didn’t, and I ordered the fresh sandwich, which in this case was Turkey and Stuffing. It was truly awful and cost me 5€. I couldn’t finish it. This is not only an issue with Ryanair, but with other low-cost airlines. It must be as easy to source good food as bad. I really don’t understand it.”

Not everyone agrees, however, with some passengers saying Ryanair’s food is acceptable. One traveller recommended the vegan lasagna: “As a vegan, I massively appreciate the vegan lasagna; it’s not bad at all.” Another chimed in with: “The cheese toasties are actually ok, I’ve had it a few times.”

Worst airline food

1. Ryanair
2. Wizz Air
3. easyJet
4. TUI Airways
5. Jet2.com
6. British Airways
7. Virgin Atlantic
8. Qatar Airways
9. Emirates

The Mirror has contacted Ryanair for comment

Spain is the most popular destination for UK holidaymakers

Anyone planning a trip to Spain should act eight weeks before travelling, according to the latest Foreign Office advice.

The Foreign, Commonwealth and Development Office (FCDO) provides advice for travel to more than 220 countries and territories across the globe, covering everything from entry requirements and safety risks to health precautions and regulations. The FCDO recommends that those heading to Spain check the most up-to-date vaccination advice at least eight weeks before they set off, and find out where to get their vaccines and whether any fees apply.

Holidaymakers are directed to the Spain page on the TravelHealthPro website, which states: “Travellers [to Spain] should be up to date with routine vaccination courses and boosters as recommended in the UK. These vaccinations include for example measles-mumps-rubella (MMR) vaccine and diphtheria-tetanus-polio vaccine.”

It’s worth noting, however, that there are no certificate requirements for entry into Spain. Those visiting Spain are also urged to ensure their tetanus jabs are up-to-date.

TravelHealthPro guidance adds: “Travellers should thoroughly clean all wounds and seek medical attention for injuries such as animal bites/scratches, burns or wounds contaminated with soil.” TravelHealthPro also recommends that all holidaymakers make sure they have sufficient travel insurance.

It adds: “If visiting European Union (EU) countries, carry an European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC) as this will allow access to state-provided healthcare in some countries at a reduced cost, or sometimes for free.

“The EHIC or GHIC, however, is not an alternative to travel insurance.”

Anyone trying to avoid the payment may face much higher fees

Millions of people face the prospect of having to pay an extra £1,000 if they want to take a holiday abroad in 2026.

One in five people on NHS waiting lists plan to holiday abroad without travel insurance, according to a recent survey, risking falling ill overseas and incurring hefty healthcare fees. There are currently more than 7.1million adults waiting for consultant-led treatment – and a further 1.7million waiting for a diagnosis – with many unable to take out insurance policies due to the high cost.

Of the 95% who are on, or have been on, a waiting list in the last three years and refuse to miss their holiday, 15% have paid up to £1,000 extra to ensure they’re protected. Many insurers keep their premiums low by not covering existing medical conditions, meaning patients on waiting lists with potentially serious conditions will need to take out specialist cover.

Those waiting for a condition to be diagnosed will find it particularly difficult to find appropriate travel insurance – and one in four plan to holiday without the correct cover. One in 20 currently waiting to be seen by the NHS have found accessing specialist travel insurance so difficult, or so expensive, they haven’t holidayed abroad because of it.

The poll of 2,034 adults commissioned by Wellsoon from Practice Plus Group found adults with hernias are the most likely to holiday without the correct cover, followed by those with cancer. The hardest conditions to find insurance for are heart or blood pressure issues followed by musculoskeletal issues including arthritis, hip or knee pain, back pain, neck or shoulder pain.

A spokesperson for Practice Plus Group said: “It’s a story we hear regularly from people who have a health issue they want to be addressed before they go on holiday, but they’re on a waiting list. They’re worried about going away when they’re in limbo, potentially needing to seek medical help a long way from home and not knowing how much it might cost.

In April 2021, the Financial Conduct Authority introduced new requirements to help consumers with more serious pre-existing medical conditions (PEMCs) better navigate the travel insurance market. Firms that sell travel insurance are required to signpost consumers to one of two directories of specialist firms that provide this type of insurance – one of which is the MoneyHelper directory, provided by the Money and Pensions Service.

A spokesperson from the Money and Pensions Service, which provides a directory of specialist firms that offer travel insurance for pre-existing conditions, said: “If you have a pre-existing health condition you must disclose this to your insurer. Otherwise, when you come to make a claim, it could be rejected.

“Depending on your circumstances, you may be asked to complete a medical exam. This will allow insurance providers to tailor your travel insurance policy to cover your needs. Taking specialist medical travel insurance will give you peace of mind that your medical condition is covered in the event of a claim.

“Our MoneyHelper service provides contact details of companies which specialise in this.”

The Electronic Travel Authorisation fee for British holidaymakers travelling to this holiday hotspot has been scrapped, saving Brits around £40 and making the tropical destination even more accessible this summer

Travelling to a tropical holiday destination has just become even more appealing, as Brits no longer need to fork out a tourist fee.

British holidaymakers planning to discover the stunning country of Sri Lanka won’t have to worry about shelling out an extra tourist fee, as it was abolished from Monday, 25 May. The Sri Lankan government confirmed it had made its Electronic Travel Authorisation (ETA) free for UK visitors, scrapping the $50 fee (around £37) in an effort to draw more tourists to the South Asian nation.

The change has come into force for the UK, along with 39 other countries. Brits planning a trip to Sri Lanka will need to apply for a free ETA, which is a type of visa, prior to departure, and will be valid for 30 days.

Those wishing to extend their time in Sri Lanka can apply online via the country’s official Immigration portal. The Foreign, Commonwealth and Development Office confirmed: “You do not need a visa if you are transiting through Sri Lanka by air, if the connecting flight is within 24 hours of your arrival. Check with your airlines about transit times.”

However, the FCDO also cautioned: “If you overstay the period of your ETA (30 days), you risk being subject to immigration procedures that may include temporary detention, a fine, deportation at your own expense, a travel ban or refusal of entry to Sri Lanka in the future.”

To enter Sri Lanka, British travellers must also confirm their passport has an expiry date of at least six months beyond their arrival date. Should the passport fail to meet this requirement, holidaymakers risk being turned away at the border, reports the Liverpool Echo.

While travel to Sri Lanka faced restrictions earlier this year owing to the Middle East conflict, there is presently no Foreign Office guidance advising against travel to the nation for Brits. That said, they do caution that there have been “global travel impacts due to escalation in the Middle East.”

The FCDO outlined: “Escalation in the Middle East has caused widespread travel disruption, including airspace closures, delayed and cancelled flights. Your travel plans may be affected, even if your destination is not in the Middle East.

“Some flights from Colombo to the UK via Middle Eastern hubs may be delayed, postponed, or rerouted. British nationals in Sri Lanka should check the latest updates from their airlines and consider alternative carriers or routes where necessary.”

The FCDO advises that tourists should do the following things before they travel:

• Check travel advice for any countries or territories you are transiting through
• Check for the latest updates from your airline or tour operator
• Review your travel insurance policy for coverage
• Monitor local and international media for the latest information and sign up for travel advice email alerts

For further details, visit the Foreign Office travel advice page.

Here’s everything UK holidaymakers need to know before heading there this summer, from entry requirements to taxi use and dress code

Turkey remains a firm favourite amongst British holidaymakers, with thousands of people flying out to the country each year. Anyone planning a trip there this year is strongly advised to familiarise themselves with all current travel guidance and any warnings in place.

The UK Foreign, Commonwealth and Development Office (FCDO) provides a wealth of information on its website, covering countries across the globe. It’s an invaluable resource for anyone with holidays booked or considering travelling abroad, reports Chronicle Live..

If you’re heading to Turkey, there are several important things to be aware of. We’ve outlined the key travel warnings and advice below.

The Foreign Office states: “If you choose to travel, research your destinations and get appropriate travel insurance. Insurance should cover your itinerary, planned activities and expenses in an emergency.” It also cautions: “Your travel insurance could be invalidated if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO).”

Warning over Turkey- Syria border

The FCDO advises against all travel to within 10km of the border with Syria due to ongoing fighting and an increased risk of terrorism. The FCDO states: “Fighting in Syria continues in areas close to the Turkish border and there is a heightened risk of terrorism in the region. Due to the ongoing conflict in Syria, roads in Hatay Province leading towards the border may be closed at short notice.”

Entry requirements

To enter Turkey, your passport must have an ‘expiry date’ at least 150 days beyond the date you arrive and at least one blank page. If you’re entering at a land border, ensure officials stamp and date your passport at the border crossing.

The FCDO says: “Check with your travel provider that your passport and other travel documents meet requirements. Renew your passport if you need to. You will be denied entry if you do not have a valid travel document or try to use a passport that has been reported lost or stolen.” You can visit Turkey without a visa for up to 90 days within any 180-day period, for business or tourism purposes.

Political situation

The Foreign Office states: “Regular demonstrations and protests are currently taking place in Istanbul and other cities across Turkey. Demonstrations may become violent. The police response has included use of tear gas and water cannons.

“Events in Israel and Palestine have led to heightened tensions in the region and in locations across Turkey. Demonstrations continue to occur outside diplomatic missions connected to the conflict in major cities, particularly Israeli diplomatic missions in Ankara and Istanbul. Avoid all demonstrations and leave the area if one develops. Local transport routes may be disrupted.”

Drink and food spiking

The FCDO warns: “Be wary of strangers approaching you to change money, or to take you to a restaurant or nightclub. If strangers offer you food and drink these could be spiked. Buy your own drinks and always keep sight of them.”

Holidaymakers are being cautioned that there have previously been instances of severe illness caused by alcoholic beverages containing methanol in popular tourist destinations across the globe. The FCDO says: “In Turkey, including Ankara and Istanbul, people have died or suffered serious illness after drinking illegally produced local spirits and counterfeit bottles of branded alcohol.

“Even small amounts of methanol can kill. It is not possible to identify methanol in alcoholic drinks by taste or smell. See Travel Aware Drink Spiking and methanol poisoning for information about how to reduce the risks. Seek urgent medical attention if you or someone you are travelling with show the signs of methanol poisoning after drinking.”

Taxis The website says: “Accepting lifts from drivers of unofficial taxis is highly risky. Find a registered taxi, note the registration number before entering and ensure the fare is metered. App-based taxis and pre-booked taxis are also widely available.”

Carry your ID

It is illegal not to carry some form of photographic ID in Turkey. Always carry your passport or residence permit. In some busy areas, especially Istanbul, the authorities may stop people for ID checks. There are also several police checkpoints on main roads across Turkey. Cooperate with officials conducting checks.

Dress code

Holidaymakers are also given guidance on appropriate attire. The FCDO advises people to “dress modestly if you’re visiting a mosque or a religious shrine to avoid causing offence”.

Stray dogs

The Foreign Office says: “Most towns and cities have stray dogs. Packs congregate in parks and wastelands and can be aggressive. Take care and do not approach stray dogs. If you’re bitten, get medical advice immediately. Rabies and other animal borne diseases are present in Turkey.”

Rules over sale of antiquities

Purchasing or exporting antiquities is prohibited. You could face a fine and a prison sentence of 5 to 12 years. Certain historical items found at local markets and in antique shops may be sold within Turkey but are forbidden from being exported. Always verify the status of antique items before making a purchase.

Foreign Office is warning UK holidaymakers

The Foreign, Commonwealth and Development Office (FCDO) continues to caution travellers heading to Greece about the risk of “serious injury or death”.

The FCDO is tasked with issuing regular travel guidance for roughly 226 countries and territories worldwide. Updates from the FCDO cover information on safety and security, regional threats, health concerns, and more. The guidance highlights a popular holiday pursuit that has resulted in fatalities and severe injuries, with the Foreign Office warning: “Quad biking carries the risk of serious injury or death.

“You need specific travel insurance to cover quad biking, it is defined as an extreme sport and excluded on many policies. Always read the details of your insurance cover.”

Greece remains a favoured destination among British holidaymakers, with millions visiting annually. FCDO guidance adds: “Make sure you get full instructions and training before your activity.

“Insurance sold by the hire company usually only provides third-party insurance. It’s likely the company will charge you for any damage to the rental vehicle, and you may face arrest if you do not pay.”

Both drivers and passengers are required to wear helmets when using quad bikes and mopeds. Failure to comply could invalidate your insurance, and if police stop you, you risk being fined – with officers potentially confiscating your licence.

Earlier this week, a 42-year-old dad from the UK was killed while riding a quad bike in Greece. The man had been travelling with his 15-year-old son in Corfu when the vehicle veered off the road for reasons that remain unclear, according to local reports.

The collision reportedly occurred at around 2pm local time on Tuesday on the central rural road of Roda-Acharavi near Almyros. The teenager sustained serious injuries in the crash.

Major rule changes have come into force

Millions of holidaymakers head to Spain each year, with the nation being a firm favourite with those from the UK. Prior to Brexit, British travellers could enter Spain fairly easily.

However, since the UK left the European Union, new rules have come into force. For instance, your passport must display a ‘date of issue’ that falls within 10 years of your arrival date, and if you renewed your passport prior to October 1, 2018, it could carry a date of issue exceeding 10 years, rendering it invalid for entering the Schengen zone (which includes Spain).

As well as this, those travelling on a British passport can only visit the Schengen area for 90 days in any 180-day period. And if you’re entering Spain you’ll need to scan your passport, have a photo taken of your face, and scan four of your fingerprints, under the new Entry/Exit System (EES).

Once you have registered for travel under the EES, your digital EES record is valid for three years or until your passport expires if this is within the three year window. According to the Foreign, Commonwealth and Development Office (FCDO), alongside a valid passport, UK visitors may also be required to produce a return or onward ticket and/or proof of valid travel insurance at border control.

You may also need to prove you have enough money for your stay, and show proof of accommodation. This could be a hotel booking, or the address of a property you own. Alternatively, this could be an invitation if staying with friends, family, or a third party, such as a ‘carta de invitation’ completed by your hosts.

Current events are causing all sorts of problems, according to a currency exchange expert

Brits heading abroad this summer are being given a new warning.

Towards the close of last week, Sterling dropped to a three-week low against the Euro and a five-week low against the US Dollar, spelling trouble for Britons travelling overseas. The decline, according to a foreign exchange expert, stems from two key factors.

Tony Redondo, founder of Newquay-based Cosmos Currency Exchange, explained: “Firstly, markets are worried that Britain is heading towards a period of political instability. Secondly, they are worried about how the UK economy will cope with an expected rise in inflation.

“Though inflation fell to 2.8% today, it is expected to rise, potentially sharply, in the months ahead as the impact of rising oil prices due to the conflict in the Middle East hits the UK economy in full. If markets believe higher inflation makes UK gilts a not–so-safe bet, that will apply further downward pressure on Sterling.”

Tony noted the weakened Pound was hammering holidaymakers venturing abroad, as their money was now “plummeting” in value against currencies like the Euro and Dollar – a situation that “could get worse in the weeks and months ahead”.

However, he highlighted that a struggling domestic economy and Sterling’s persistent fragility was prompting an increasing number of businesses to fundamentally reconsider how and where they sell their services.

Tony added: “If they’re anything, the UK’s businesses are resilient and proving they can adapt. During 2026 to date, we’ve seen a sharp rise in UK businesses moving away from difficult domestic conditions and looking for customers overseas.

“Rather than having all their eggs in one UK economic basket, a growing percentage of UK firms are now marketing and selling their products and services online to customers in Europe, America, Canada, Australia and even Singapore and Hong Kong.

“If there’s one silver lining to the weak UK economy, it’s that many traditionally domestic UK small businesses have become international ones, as they cast their nets ever wider in search of customers and profit.

“The ability to ply your trade internationally has never been easier and it can massively boost a company’s bottom line.”

P&O Cruises urges all passengers with trips booked to bring proof or risk being ‘denied boarding’ at their own expense

P&O Cruises says all passengers must bring a particular item with them or risk being ‘denied boarding’. The popular cruise operator states that packing the item is compulsory for all guests who wish to sail on the ship, or their holiday could be ruined if they fail to do so.

P&O Cruises is among the largest and most popular cruise operators in the UK, and as the peak travel season approaches, many people will have trips booked. The vessels are designed specifically for the British market and depart year-round directly from Southampton.

P&O Cruises operates a fleet of seven ships, divided into family-friendly vessels such as Arvia, Iona, Britannia, Azura and Ventura, and adult-only ships such as Arcadia and Aurora, reports the Liverpool Echo. Irrespective of which vessel people embark upon, all guests must bring a crucial item with them. Should customers fail to present the item, P&O Cruises warns: “Unfortunately, you will be denied boarding”.

On the P&O Cruises website, the cruise operator clarifies what passengers need to pack and explains the rationale. A statement reads: “We’re delighted that you’ve chosen to set sail with us, and we cannot wait to welcome you on board. Before we get there, it is mandatory for all guests to have suitable cruise travel insurance cover in order to sail with us.”

It adds: “It is your responsibility to ensure you have appropriate cover in place for the duration of your holiday. Unfortunately, you will be denied boarding, at your own expense, if you’re unable to confirm you have arranged insurance.

“You may be asked for proof of your cruise travel insurance. So, please be sure to bring either a printed or digital copy of your insurance documentation that confirms cover for the named travellers over the dates of travel.”

Outlining the main reason why travel insurance is crucial to arrange before setting sail, P&O Cruises stated: “For many significant purchases in your life, insurance is essential. And holidays are no different.

“Travel insurance ensures you can relax and enjoy your holiday with peace of mind that you’re covered in the event something should go wrong. This includes unforeseen incidents before your holiday, while travelling or while you’re away.”

P&O Cruises provides a checklist for selecting the appropriate level of cruise insurance protection. It includes:

• Ensure your insurance covers a cruise holiday
• Covers the full length of the trip
• Includes all destinations – choose worldwide cover if unsure
• Includes medical and repatriation cover of £2 million minimum
• You’ll need to declare any pre-existing medical conditions
• We would also recommend that you have adequate cancellation cover to cover the cost of your trip

I’ve got travel insurance already. Do I need cruise insurance?

P&O Cruises states: “You will need to look into the level of cover your travel insurance provides. Some bank accounts include travel insurance but the policies often offer limited amounts of cover.

“Standard travel insurance is generally meant for a land-based holiday and as such, won’t cover many of the elements of a cruise holiday. A cruise holiday requires more specialist cover, for example if there was a need to be medically evacuated at sea. The most important thing is to make sure you’ve told your insurer you are going on a cruise holiday.”

What happens if I don’t declare pre-existing medical conditions?

P&O Cruises warns: “You run the risk of not being fully covered and having to pay for medical treatment which can be extremely costly. Emergency medical treatment can even be refused if you do not have the correct insurance, this includes failing to declare pre-existing conditions.”

If I cancel my holiday, will I get my money back?

P&O Cruises states: “If you cancel your holiday, the cancellation policy in our Booking Conditions applies. If you are cancelling due to a medical reason and you have declared the medical condition, your insurer should refund any monies paid less the relevant policy excess.”

The Foreign, Commonwealth and Development Office (FCDO) has issued a warning to UK tourists

The Foreign Office has warned Brits against “all travel” to a particular country due to “risks and threats”. Travellers are advised to avoid Russia entirely owing to the ongoing invasion of Ukraine.

In an update published on its website on May 5 and reconfirmed on May 14, the Foreign, Commonwealth and Development Office (FCDO) stated it “advises against all travel to Russia”.

It said: “FCDO advises against all travel to Russia due to the risks and threats from its continuing invasion of Ukraine.” These include:

• Security incidents, such as drone attacks, and Russian air defence activity
• Lack of flights to return to the UK
• Limited ability for the UK government to provide support

The FCDO added: “There is an increased risk of British nationals being detained in Russia, including if the Russian authorities suspect you of engaging in or supporting activities against Russian law, even if activities took place outside Russia.

“Russia has a track record of targeting foreign nationals and holding them in detention as leverage over other countries. FCDO’s ability to assist you in these circumstances is extremely limited.

“There is also a high likelihood terrorists will try to carry out attacks, including in major cities.”

On its safety and security page, the FCDO noted that terrorist attacks have occurred across Moscow, St Petersburg and other Russian cities in recent years. This includes an attack at Crocus City Concert Hall in Krasnogorsk near Moscow in 2024 in which 145 people were killed.

Limited UK government support

While the British Embassy in Moscow and British Consulate in Ekaterinburg remain operational, the FCDO cautioned that the situation “could change at short notice”.

“In-person UK government support in Russia is limited,” it stated. “It is very limited in parts of Russia because of the security situation and the size of the country, particularly in the North Caucasus.”

Should you find yourself in Russia requiring assistance, you can ring the FCDO’s 24-hour helpline on +7 495 956 7200 and select the option for consular services for British nationals. Alternatively, you can contact the Russian emergency services on 112.

It’s also crucial to be aware that your travel insurance may be rendered void if you travel against FCDO guidance. For further details, visit the FCDO website here.

Without these you may be refused entry to Spain, the Foreign Office has warned

Millions of Brits flock to Spain each year, with the European country remaining a firm favourite among UK holidaymakers.

Spain’s appeal is undeniable – from its warmer weather, breathtaking coastlines and mouth-watering cuisine to its charming cities and verdant landscapes. With another hectic summer of international travel expected for 2026, we’ve looked at the entry requirements for Spain for anyone holding a UK passport. And travellers may not know they could be asked to present certain extra documents upon arrival – or face being refused entry.

According to the Foreign, Commonwealth and Development Office (FCDO), alongside a valid passport, UK visitors may also be required to produce a return or onward ticket and/or proof of valid travel insurance. You may additionally need to demonstrate that you have sufficient funds for your stay, with the required amount varying depending on your accommodation arrangements.

Border officials may also request proof of accommodation, which could take the form of a hotel reservation or proof of address if you’re staying at a property you own. Alternatively, this might be an invitation or proof of address if staying with friends, family or a third party, such as a ‘carta de invitation’ completed by your hosts, the FCDO adds.

As well as this, new rules introduced post-Brexit mean that Brits travelling to the Schengen Area – which includes Spain – on a UK passport may need to check their travel documents now. This is because your passport must display a ‘date of issue’ that falls within 10 years of your arrival date, and if you renewed your passport prior to October 1, 2018, it could carry a date of issue exceeding 10 years, rendering it invalid for entering the Schengen zone.

Additionally, your passport must show an ‘expiry date’ of at least 3 months beyond the day you intend to depart the Schengen Area (the expiry date need not fall within 10 years of the issue date).

The money-saving guru has urged those who have paid for trips with major holiday firms and airlines to avoid the DIY approach

Martin Lewis has delivered a stark warning to anyone who has already booked a holiday for this summer – and explained why people could be making a big mistake getting flights and hotels separately. In a recent update, the money-saving guru has urged those who have paid for trips with major holiday firms and airlines, including TUI, Jet2, Ryanair, Wizz, easyJet and British Airways, to pay close attention.

It was suggested this week that the UK could be worst hit by jet fuel shortages because it has ‘critically low levels’ of supplies and poor refining tools, by Goldman Sachs. The giant investment bank Goldman Sachs said in a research note to clients: “The UK is the largest net importer of jet fuel in Europe, and it holds no strategic reserves, leaving commercial inventories as the primary buffer.”

During his Money Show Live on ITV, the financial expert responded to an audience member who asked: ‘If my flight’s cancelled due to no jet fuel will you definitely receive at the moment package holidays give you a certain as well.’ Mr Lewis explained that holidaymakers would lose their hotel booking costs if they had arranged accommodation independently from flights reserved with airlines such as Jet2, TUI, Wizz, Ryanair or easyJet – as they would not be protected under consumer regulations.

He said: “No. And I think this is what people need to be very aware of. If you booked a package holiday where you booked everything in one, then under the package holiday regulations and rules and protections generally if your flight went you would get everything back.”

He added: “And so actually at the moment package holidays give you a certain level of extra security that you wouldn’t get if you did a DIY booking where you bought your hotel and flight separately.” The reason for this, he explained, stems from the fact that the hotel reservation itself remains entirely valid: “Because the point is if you lose your flight and you’ve DIY booked, there’s nothing wrong with your hotel.

“The issue is you can’t get there. Your hotel is still there. It’s not faulty. It’s not cancelling. So, you don’t have those consumer rights.” If the accommodation provider hasn’t violated any terms, then guests might examine how they’ve paid for their booking – but that route offers no solution either. He said: “So, you would then say, ‘What about using a credit card or debit card protection?’ It won’t work because there’s nothing faulty. And that’s just giving you the same replica rights that you would have with the retailer.”

For those still seeking a solution, travel insurance may seem like the next logical port of call. Mr Lewis revealed: “So, you’ then say, ‘What about travel insurance?’ This is the bad bit. We were checking 40 travel insurance policies. Of those, only a few would have covered you for the knock-on eventuality of your flight being cancelled due to jet fuel and then your hotel costs.

“Only about three or four and most of those were package bank accounts where it’s linked to your bank account. Only one standalone provider. So we need to be blunt at the moment. There is a big risk in those circumstances. If you’re booking, you want something with free or limited cancellation quite short before. So you could just cancel it. You should always talk to the provider.

“Government are saying there isn’t one at the moment and they’re working on consolidating flights and doing things so there won’t be one, but people’s hotel costs if they book separately and other knock-on costs are potentially at risk.”

Speaking on his ITV programme, he also cautioned that neglecting to take one vital step after booking could leave holidaymakers with absolutely nothing if their plans fall through. With the ongoing turmoil in the Middle East sparking serious worries over jet fuel supplies, Mr Lewis warned that those who book a holiday and put off arranging insurance could risk losing everything should something go wrong in the interim.

Mr Lewis emphasised that travel insurance ought to be bought the instant a holiday is booked: “The reason you do that is because half of the cover you’re paying for is in case something happens that stops you going before the trip. And if you don’t have the travel insurance place, you’ve got no cover. So, you may as well have it in place. But at this time of year when many people have already booked, I have a slight adaptation, which is this. If you’ve booked and you don’t have it yet, just get it now.

“Get it done as soon as possible.” A Money Show Live viewer named David said: “I booked flights to Australia for a family group of seven to travel in March next year. I took out insurance immediately. One of our group is now pregnant and can’t travel on the dates planned. It costs £5,000 to reschedule, which I’m happy to report the insurance covered.”

Mr Lewis also commented on the complexities facing larger groups: “Very quick aside on that, think of who you’re booking for. So, if it’s a family group and one can’t go, they’ll often cover you. But if there’s a large group of friends going, you often all get independent travel insurance. Well, then if one can’t go or and you can’t all go on the trip, it’s only the person who’s who’s got that cover. So, you’d need a group insurance policy so that if one can’t go, you all can’t go.”

Jet2 today said now people choosing a package holiday as their preferred method of booking is up 5% to 51% since February. In the same period, the number of people preferring to book through different providers has dropped by six percentage points to 20%. Those choosing ‘accommodation only’ has dropped to 2%.

The primary reasons for choosing a package holiday have remained steady, with value (36%) and ease (36%) the main drivers, however the benefit of ‘added security with one provider, ATOL/ABTA protection’ has increased by four percentage points since February to 26% the poll said.

This protection means that customers are covered should any changes happen to their bookings, including the option of receiving refunds if their travel plans are cancelled, and that those holidays are held to the highest standards when it comes to customer service, changes to bookings, and health & safety.

Jet2 has confirmed it will not introduce surcharges on any booked flights or holidays to cover cost increases, for example jet fuel, assuring customers that the price they book with Jet2 is the price they will pay.

Steve Heapy, CEO of Jet2 said: “Consumers want assurance during times of uncertainty and package holidays provide that assurance. On top of all the protection that our package holidays guarantee, Jet2 is well known as being a consumer champion that goes above and beyond to look after customers. Ahead of a busy summer season, this means new and existing customers know that their well-deserved holidays are in the very best hands with us, and we are very excited about welcoming everyone onboard and taking them on their breaks.”