As of 13 August 2026, AI can only partly find travel insurance for your trip.

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 GOV.UK travel advice for each destination and note warnings, entry requirements and any healthcare or activity issues that could affect insurance.
   2. Gather your booking confirmations, non-refundable costs, travel dates, destinations, traveller ages, planned activities and details of any existing travel cover.
   3. Write down every pre-existing medical condition, recent treatment and medication that may need to be disclosed, without asking the chatbot to decide whether it counts.
   4. Paste the trip details and the copyable prompt into Perplexity or another chatbot, then ask it to use current insurer and official policy documents rather than comparison-site summaries alone.
   5. Open the source documents for each suggested policy and compare the medical cover, cancellation cover, exclusions, excesses, activities, destination scope and conditions against your own trip.
   6. Contact the insurer directly for medical screening and any activity or destination questions, record the answers, and ask for the answer in writing before buying.
   7. Save the quotation, policy wording, Insurance Product Information Document and screening confirmation, then buy only after checking that the named travellers, dates and trip details are correct.

   Prompt

   Help me research travel insurance for this trip, but do not pretend to give regulated insurance advice and do not choose a policy for me.
   
   Trip details:
   - Departure country: UK
   - Destination or destinations: [DESTINATIONS]
   - Travel dates: [DATES]
   - Travellers and ages: [TRAVELLERS AND AGES]
   - Any pre-existing medical conditions or recent treatment: [DETAILS, OR SAY I WILL DISCLOSE THESE DIRECTLY TO THE INSURER]
   - Planned activities, including sports or cruises: [ACTIVITIES]
   - Approximate non-refundable trip cost: [AMOUNT]
   - Cover I need, such as cancellation, medical expenses, baggage, disruption and personal liability: [REQUIREMENTS]
   - Existing cover through a bank account, card or another policy: [DETAILS]
   
   Use current insurer or official policy documents where available. Produce a shortlist of policies or insurers to investigate, with links to the source documents. For each one, extract the relevant limits, excesses, exclusions, geographical scope, activity restrictions, cancellation terms, medical-condition rules and important conditions. Separate facts stated in the documents from questions that remain unanswered. Do not invent prices, cover, eligibility or claim outcomes. Tell me which details I must confirm directly with the insurer before buying, and give me a final checklist for comparing the quotations and policy wording. This is not professional advice; tell me to use a regulated insurance broker for a serious or complicated case.

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