Frequently Asked Questions

Why do I need travel insurance?

Travel insurance is essential because unexpected illnesses or accidents abroad can be extremely expensive. Without cover, you could end up paying thousands of pounds for medical treatment, hospital stays or repatriation. It’s one of the most important things to arrange before you go away.

Can I get travel insurance if I have a pre-existing medical condition?

Yes. Traveladder includes a simple online screening process that helps you declare any pre-existing medical conditions. You can then compare quotes from multiple providers that offer suitable cover. Conditions covered range widely and have been developed with input from medical professionals.

What makes Traveladder different?

Our site lets you compare travel insurance products, prices, and levels of cover easily and quickly. Whether you're planning a single trip, an annual multi-trip, a backpacking adventure or a ski holiday, you can tailor your insurance policy to match your exact needs.

What types of travel insurance policies can I compare?

• Single Trip Travel: Covers you for one trip with defined start and end dates.
• Annual Multi-Trip: Ideal if you take multiple holidays per year, potentially offering better value.
• Backpacker: Great for long trips, gap years, or working holidays abroad.
• Winter Sports: Offers protection for skiing, snowboarding and other snow-based activities, which are usually excluded from standard policies.

Is winter sports insurance really necessary?

Yes. If you're heading off for skiing or snowboarding, it's essential to add winter sports cover to your policy. Injuries on the slopes can lead to serious medical bills. Standard travel insurance won’t cover those activities unless you’ve added this extension.

Can I use Traveladder to compare policies if I’m over 65?

Absolutely. Our screening system is built to support both younger and older travellers. The process has been designed with the help of medics and clinicians to ensure flexibility and wide access to cover, even for those with long-term health conditions.

What are your top tips for buying travel insurance?

• Check the levels of cover carefully – make sure they match your needs.
• Read the full policy wording before you buy.
• Carry your travel insurance documents with you, as well as your EHIC/GHIC card if applicable.
• Save the 24-hour emergency assistance number somewhere easy to access, like your phone.

Who operates Traveladder?

The website is operated by BrokerSure Ltd., an insurance intermediary authorised and regulated by the Financial Conduct Authority (FCA No. 501719).

Why does travel insurance have so much small print?

Travel insurance covers a wide range of events and scenarios, from emergency medical care and cancellations to baggage loss, personal liability and more. That level of detail requires comprehensive documentation. It’s important to read your policy carefully to make sure you’re covered for what you need.

Where can I find more guidance on travel insurance?

The Association of British Insurers (ABI) provides helpful guidance on what to look for when buying travel insurance, including FAQs and a list of standard terms.