An excess is the amount you pay towards a claim before your insurer pays the rest. It’s one of the key figures in any quote, and it has a direct effect on both your premium and what you get back when you claim.
How travel insurance excess works
If your excess is £100 and you make a £600 claim, the insurer pays £500 and you cover the first £100. This is only an example, so check your own policy for the amounts. If your loss is lower than the excess, you won’t receive anything.
Per person, per claim, per section
Excess is usually applied per person and per claim. Some policies apply a different excess to different sections, such as a higher amount for medical claims or gadgets. If several people on a policy claim, each may pay an excess. If you claim for different incidents, you may pay an excess on each.
Compulsory vs voluntary excess
- Compulsory excess is set by the insurer and can’t be removed.
- Voluntary excess is an extra amount you choose to take on in return for a lower premium.
How much excess should you choose?
A higher excess usually lowers your premium, but you’ll pay more if you claim. Choose an amount you could comfortably afford at short notice. For frequent, small-value risks like lost items, a high excess might mean it’s not worth claiming at all. For serious risks like medical emergencies, a very high excess can still leave you with a large bill. See also does a higher excess really lower your premium.
Excess waiver
Some insurers offer an excess waiver add-on, which removes or reduces the excess on some claims. Check whether the extra cost is worth it, and what the waiver covers.
Check the excess before you buy
- Look at the excess for each section, not just the headline figure.
- Compare it alongside the cover limits when you compare quotes.
- Check whether the excess is different for the USA or for winter sports.
Frequently asked questions
Is excess charged per person or per policy?
It’s usually charged per person and per claim, but this varies, so check your policy wording.
Can I get travel insurance with no excess?
Some policies and add-ons offer a zero or reduced excess, usually at a higher premium.
What is a voluntary excess?
An extra amount you choose to pay on top of the compulsory excess in return for a lower premium.
Do I pay excess on a medical claim?
Often yes, though some policies waive or reduce it for certain claims. Check the medical section.
Related travel insurance guides
- What Does Travel Insurance Cover? A Plain-English UK Guide
- GHIC vs Travel Insurance: What’s the Difference?
- What Is Not Covered by Travel Insurance? Common Exclusions
- How Much Does Travel Insurance Cost in the UK in 2026?
- How to Make a Travel Insurance Claim: Step-by-Step
This article is general information, not financial or insurance advice. Always read the policy documents before you buy.