As of 13 August 2026, AI can only partly compare travel insurance policies.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the current policy wording, insurance product information document and quote page for each policy you are considering, and save the documents with their retrieval dates.
   2. Write down your destination, travel dates, travellers, activities, valuables, existing cover and every medical condition or recent treatment that may need declaring.
   3. Paste the trip details and all relevant policy documents into a chatbot using the prompt, keeping each policy clearly labelled.
   4. Ask the model to produce the side-by-side table and to quote the exact wording for every important limit, exclusion and condition.
   5. Compare each quoted answer against the original policy wording, checking medical exclusions, activity cover, cancellation conditions, excesses, destination rules and declaration requirements.
   6. Contact the insurer about every item marked unclear or not established, and keep the answers in writing with the policy documents.
   7. Choose and buy cover only after checking that the final policy schedule matches the details you disclosed and the cover you need.

   Prompt

   Compare the travel insurance policies and policy wordings I paste below. Do not recommend a policy until you have completed the comparison, and do not infer cover where the documents are silent. Use exact quotations for important clauses and identify the document and section for each quotation.
   
   My trip details:
   - Destination or destinations: [DESTINATION]
   - Travel dates: [DATES]
   - Number and ages of travellers: [TRAVELLERS]
   - Pre-existing medical conditions or recent treatment that may need declaring: [DETAILS OR NONE]
   - Planned activities: [ACTIVITIES]
   - Valuable items or equipment: [DETAILS OR NONE]
   - Existing cover through a bank account, card or another policy: [DETAILS OR NONE]
   - Prior cancellations, claims or other facts that an insurer may ask about: [DETAILS OR NONE]
   
   For each policy, compare the premium if shown, excesses, cancellation cover, medical expenses, repatriation, baggage and valuables, missed departure or disruption, personal liability, travel delay, activity cover, destination restrictions, medical-condition rules, declaration requirements, exclusions, significant conditions and claims procedure. Put the results in a side-by-side table. Mark anything missing, unclear or dependent on an individual assessment as 'not established'.
   
   Then list the three most important differences for my trip, the facts I must confirm directly with the insurer, and questions I should ask before buying. Do not say that a policy covers something unless the wording supports it. Do not invent prices, limits, dates or eligibility rules. End with a conditional summary of which policy appears strongest on the stated facts, without presenting it as regulated insurance advice. This is not professional advice. For a serious, unusual or high-risk case, say that I should speak to a regulated insurance adviser.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.