What Counts as ‘Luxury’ Travel?
These trips cost more to book — and more to fix if something goes wrong! Standard travel
insurance might not offer enough cover for the value of your plans, leaving you in a very awkward
situation if something were to go wrong. While the last thing you want to think about when
planning your travels is what could go wrong, it can be helpful to have a plan in place. The best
plan starts with reliable travel insurance that gives you the coverage you need.
Luxury travel means different things to different people —
but insurers generally use it to describe higher-than-
average value holidays. That could include:
- Premium airline seats
- Boutique hotels or private villas
- Cruises with upgraded cabins or excursions
- Chartered transport (yachts, helicopters, drivers)
- Adventure experiences or fine-dining packages
- Designer luggage or high-value personal items
Why Standard Insurance Might Not Be Enough
Here’s what many basic policies either don’t cover, or only
offer minimal protection for:
- High-value luggage (think expensive tech gadgets)
- Missed private transfers
- Cancellations of bespoke or non-refundable trips
- Cabin or suite upgrades
If your holiday is tailor-made or includes rare experiences,
you need cover designed for that level of travel.
.png?width=753&height=640)
How Much Does Luxury Travel Insurance Cost?
Expect to pay around £75–£200 per traveller for a comprehensive luxury policy, depending on
your destination, age, activities, and overall trip value. For a general comparison:
| Destination | Typical Premium Range (per person for a week, 46 year old) |
|---|---|
| UK & Ireland | £13 |
| Europe – France | £36 |
| Worldwide excl. USA - Indonesia |
£71 |
| Worldwide incl. USA | £114 |
| UK-only |
|---|
|
Typical Annual Cost
£28–£50
(2 adults + 2 kids)
|
| Europe |
|---|
|
Typical Annual Cost
£60–£131
(2 adults + 2 kids)
|
| Worldwide (excl. USA) |
|---|
|
Typical Annual Cost
£130–£280
(2 adults + 2 kids)
|
| Worldwide (incl. USA) |
|---|
|
Typical Annual Cost
£198–£430
(2 adults + 2 kids)
|
Travelling with bespoke extras or valuables? You may need additional cover limits or itemised
protection, which may raise your premium slightly, but can save thousands in the event of a
claim. The price
What Impacts Your Luxury Insurance Premium?
.png?width=1608&height=1198)
- Trip destination – More remote or medically limited areas may cost more
- Trip value – Insurers need to know what they’re covering
- Traveller ages – Older travellers often carry higher premiums
- Medical conditions – Pre-existing conditions must be declared upfront
- Activities – Fine dining is one thing; Adventure Sports and Activities
- Excess level – Lower excess, higher premium (and vice versa)
- Add-ons – Cruise, winter sports, gadget, or valuables cover
What’s Included – and What’s Not
Covered
Emergency medical care & repatriation
Cancellation & curtailment
Lost/stolen baggage & valuables
Missed departures, transfers & delays
Emergency medical assitance
Not Covered Unless Added
Undeclared pre-existing medical conditions
Known circumstances
Items above cover limit without specialist cover
Adventure Sports and Activities without add-on
Alcohol-related incidents
Why Luxury Travellers Still Need Insurance — Even With Perks
Always check your limits and exclusions — or top up with a dedicated policy for peace of mind. Remember to
check whether you are covered in the way you need, well in advance of your travels so you can make any
changes to your policy if need be.
.png?width=1072&height=599)
Some credit cards or high-tier memberships offer basic insurance, but these can fall short on:
- Trip cancellation limits (especially for tailor-made
bookings) - Named traveller inclusion (often excludes children or
partners) - Gadget cover
- Specialist emergency repatriation
Single-Trip vs Annual Multi-Trip Cover:
What’s better?
| Factor | Single-Trip | Annual Multi-Trip |
|---|---|---|
| No. of trips/year | 1–2 | 2+ |
| Trip length | Any | Often limited to 30–60 days |
| Cover value | Tailored to trip | Can include broader protection |
| Flexibility | Per trip | Good for spontaneous travellers |
| Single-Trip |
|---|
No. of trips/year 1–2 |
Trip length Any |
Cover value Tailored to trip |
Flexibility Per trip |
| Annual Multi-Trip |
|---|
No. of trips/year 2+ |
Trip length Often limited to 30–60 days |
Cover value Can include broader protection |
Flexibility Good for spontaneous travellers |
Annual policies are ideal for luxury travellers who go abroad more than once a year
and want consistent high-level cover without reapplying each time.
Add-Ons Worth Considering for Luxury Trips
- Gadget cover – for laptops, cameras, phones, smartwatches
- Cruise cover – if your luxury trip is by sea
- Adventure Sports and Activities
- Business extension – if you’re mixing work with leisure
Pre-Existing Medical Conditions
Luxury or not, insurers still require full disclosure of any health conditions.
Failing to declare can invalidate your cover. Some policies may:
- Require medical screening
- Exclude certain conditions unless paid extra
- Raise your overall premium
Gigasure’s quote process lets you see everything upfront
— no nasty surprises later.
.png?width=1072&height=445)
Group or Couple’s Travel
.png?width=1072&height=770)
Travelling as a couple or group? Many luxury
travellers book with friends, family, or partners. One
policy can often cover:
- Couples
- Friends on a group trip
- Families (see: Family Travel Insurance)
- Multigenerational holidays
Everyone named must be UK residents and
travelling on the same trip.
.png?width=844&height=1144)
Why Travellers Love Gigasure
Gigasure also proudly offers Gigashield. GigaShield is a set of instant cash benefits designed to support travellers
facing flight or baggage delays. It includes two key features: GigaShield Flight Delay and GigaShield Baggage Delay.
GigaShield Baggage Delay - If your checked bag doesn’t arrive, GigaShield Baggage Delay
provides a prompt cash payment once you submit your airline’s Property Irregularity Report (PIR)
number in the Gigasure app. Like the flight delay benefit, it’s included automatically with any policy
that covers Travel and Baggage Delay — simply enter your flight details in the app ahead of your
trip to unlock it.
.svg?width=60&height=60){kind=icon}
GigaShield Flight Delay - If your flight is delayed by 3 hours or more, GigaShield Flight Delay gives
you access to an airport lounge or a fast cash payout to make the wait a little more comfortable.
It’s automatically included when you buy a Gigasure policy with Travel and Baggage Delay cover.
Just add your flight details in the Gigasure app before you travel to activate it, and you’re good to
go!
Gigasure App, the Fastest Way to Make a Claim
The Gigasure app takes the hassle out of submitting claims. Simply log in, select the relevant policy, and kickstart the process. The app pre-populates most of the required information available on your account, eliminating the need to search through old emails or documents. From there, just follow the remaining steps, and you can submit your claim in moments. It's a seamless, streamlined experience that gets your claim submitted quickly, saving you valuable time and frustration.
.png?width=607&height=526)
Your Policy
Your Trip
Your Claim
Supporting Documents
Submit
Submit your claim now
Your Top Questions, Answered
increase the cost slightly — but ensures you’re properly protected. Trips involving multiple destinations, luxury
cruises, or long-haul flights may push the price higher. Still, the cost is small compared to the value of what’s at
stake.
Standard policies may leave gaps that cost you thousands. Luxury cover protects your peace of mind, whether
you're staying in a private villa or flying first-class. It’s a smart safeguard for the kind of trips where details really
matter.
Disclaimer: Information correct as of July 2025.
Always check your individual policy wording before booking.