Travel Insurance with Excess Waiver

Your holiday insurance, our expertise.

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Avoid paying any excesses in the event of a claim by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy. This includes any additional cover and their excesses that you may add to your policy, such as extra sports or medical cover.

What is a Travel Insurance Excess?

The excess is the amount that you will need to pay should you make a claim on your travel insurance policy. We cover you for the remaining amount up to the limit of your cover.

If you pay a little bit extra and add Excess Waiver to your policy, see how much you could save should you need to make a claim:

Feature Excess You SAVE
Cancellation and Curtailment £75 - £100 up to £100
Medical Expenses £75 - £100 up to £100
Medical Cover for High Risk Sports £600 up to £600
Baggage Cover £75 - £100 up to £100
Personal Money £75 - £100 up to £100
Legal Expenses £75 - £100 up to £100
Failure of Carrier £75 up to £75
Skiing Equipment Cover £75 - £100 up to £100
Golf Cover £75 - £100 up to £100
Cruise Cover £75 - £100 up to £100
Business Cover £75 - £100 up to £100
Independent Traveller £75 - £100 up to £100
Wedding Cover £75 - £100 up to £100

Simply complete the quote form and select Excess Waiver after filling in your personal details and rest assured that should you have to claim, you won't have to pay any extra.

Experts' Top Tip – If you’re comparing different travel insurance policies, be wary of cheap policies as they often come with high excesses that you would have to pay in the event of a claim.

Adjustable Cover

You have the option of paying only for the cover suited to your holiday needs. Customise your cover by choosing between 3 cover levels, 4 areas of cover and adding extra cover for pre-existing medical conditions, sports, golf, or winter sports.

Medical Conditions

UK, Europe and Worldwide

Medical Emergencies

Baggage Cover

24/7 Emergency Helpline

Single, Annual and Backpacker

Annual Multi Trip Travel Insurance

Annual Multi Trip Travel Insurance

Annual Multi Trip insurance is the ideal option for those who want comprehensive cover for all their trips this year, even those last minute adventures abroad.

Backpacker Insurance

Backpacker Insurance

Australia is a popular choice for youngsters & our backpacker insurance can cover 2 years continual travel to destinations such as Australia, as well as working, medical & baggage cover.

Sports Insurance

From bungee jumping and skydiving to weddings, cruises, golf, independent traveller cover, excess waivers and even business insurance. We have you covered.

What Is a Pre-Existing Medical Condition?

What Is a Pre-Existing Medical Condition?

Do you have a pre-existing medical condition that you need to declare to your travel insurance provider? Get advice on pre-existing medical conditions.

When is The Best Time to Buy Travel Insurance?

When is The Best Time to Buy Travel Insurance?

Essential Travel recommends the best time to purchase your travel insurance to make sure your holiday is fully covered and you get the most from your policy.

How To Save on Your Holiday Abroad

How To Save on Your Holiday Abroad

Learn how to cut costs on your holiday insurance & receive exclusive travel insurance discounts. Cover for medical emergencies, cancellation and lost luggage.

As you make your way through the booking process you can customise your annual holiday insurance policy - with the option of adding extras such as winter sports, hazardous activities and business trip cover.

Winter Sports

By adding Winter Sports to your Single, Annual or Backpacker policy you can take part in over 26 winter sports and be covered for:

Medical: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation

Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.

winter sports cover → winter sports cover →


Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.

Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:

  • Your Personal Equipment up to £1000
  • Hired Equipment up to £200
  • Pre-paid Green Fees up to £300
golf trip insurance →


Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.

Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.


Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.

Cruise cover will add extra protection for:

  • Extended baggage cover up to £3,500
  • Missed shore trips up to £500
  • Cabin confinement (due to illness) up to £600
  • Valuables up to £700


If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything it’s meant to be.

  • Wedding Clothes up to £1500 per person
  • Wedding Gifts up to £1000 per couple
  • Wedding Rings up to £250 per person
  • Wedding Photographs up to £750 per person
wedding travel insurance →

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Essential Travel is a trading name of Holiday Extras Cover Ltd. Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF. Company number 05058680.

Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent. ME19 4UY. Company number 03220410.