Sisters Uncharted

Adventure, connection, and courage

Category: Solo Female Travel

Best Travel Insurance for UK Solo Female Travellers (Coverage You Can Rely On)
Why Travel Insurance Is Essential for Solo Female Travellers

Solo travel is liberating, exciting, and empowering – but let’s be real, it also comes with risks. A missed flight, a sudden illness, or stolen luggage can turn a dream trip into a stressful nightmare.

That’s why travel insurance is non-negotiable. It’s not just about peace of mind – it’s about making sure that if something goes wrong, you don’t end up out of pocket for thousands.

Having travelled solo for years, I’ve learned that not all travel insurance policies are created equal. Some are great for adventurous travellers, while others offer budget-friendly but limited coverage.

In this guide, I’ll break down:
- Why travel insurance is essential for solo travellers
- What to look for in a policy (so you don’t get caught out!)
- The best UK travel insurance providers for solo female travellers
1. Do You Really Need Travel Insurance?

Short answer: YES. Here’s why:
- Medical Bills Can Be Brutal – A hospital stay abroad can cost thousands, even for minor injuries.
- Trip Cancellations Happen – Flights get cancelled, plans change. Insurance gets your money back.
- Lost or Stolen Items Are a Nightmare – No one wants to replace a stolen phone, laptop, or passport out of pocket.
- Solo Travel = No Backup – Unlike group travel, there’s no one else to cover costs if something goes wrong.
2. What to Look for in a Travel Insurance Policy
- Emergency Medical Cover – At least £1M coverage for hospital visits, emergencies, and medical transport.
- Trip Cancellation & Delay Cover – Refunds for non-refundable flights, accommodation, and tours.
- Lost or Stolen Items Protection – Covers luggage, electronics, and valuables (check the claim limits!).
- 24/7 Emergency Assistance – Access to a helpline whenever you need it.
- Adventure Sports Cover – If you’re into hiking, diving, or adventure activities, make sure you’re covered.
Important: Many cheaper policies don’t cover adventure sports, theft, or trip cancellations – read the fine print!

3. Best Travel Insurance Providers for UK Solo Female Travellers

1. World Nomads (Best for Adventure Travellers)
- Cost: Varies based on trip duration & destination
- Covers over 200 adventure activities (hiking, diving, etc.)
- Great for long-term & flexible travel
- 24/7 emergency assistance worldwide
Check prices at World Nomads

2. SafetyWing (Best for Long-Term & Digital Nomads)
- Cost: From $45/month (£35 GBP approx)
- Affordable monthly plans (great for long-term travellers!)
- Covers medical emergencies & trip interruptions
- No return ticket required (ideal for open-ended trips!)
Check prices at SafetyWing

3. Big Cat Travel Insurance (Best for Backpackers & Adventure Travellers)

I recently realised my travel insurance had run out – while I was already abroad. Not ideal. After a bit of panic-Googling, I found that Big Cat lets you take out insurance even when you’re already travelling, which was a lifesaver. If you’re a long-term traveller like me, it’s definitely worth considering!
- Cost: Varies based on coverage level
- Designed for backpackers & solo travellers
- Covers adventure activities & sports
- Covers travel disruptions & medical expenses
Check prices at Big Cat Insurance

4. Post Office Travel Insurance (Best for UK-Based Cover & Affordability)
- Cost: Budget-friendly options
- Single trip, multi-trip, and backpacker policies
- Available to purchase online or in-branch
- Covers medical, lost baggage, and cancellations
Check prices at Post Office Travel Insurance

Nationwide FlexPlus (Best for Packaged Cover with a UK Bank)
- Cost: £18/month (as part of a Nationwide bank account)
- Worldwide family travel insurance included
- Also includes mobile phone insurance & breakdown cover
- Great value if you already bank with Nationwide
Check details at Nationwide FlexPlus

4. FAQs About Travel Insurance for Solo Female Travellers

Do I really need travel insurance if I have a credit card that offers it?

Maybe, but credit card insurance is often limited. Check if it covers medical emergencies, lost luggage, and cancellations – most don’t.

Can I get travel insurance if I’m already abroad?

Yes! Providers like SafetyWing and Big Cat let you sign up while travelling.

Does travel insurance cover stolen items?

Yes, but usually with limits (e.g. max £500 for electronics). Always keep receipts for expensive gear.

Final Thoughts: Don’t Travel Without It!

Travel insurance is the one thing you buy hoping you’ll never use, but when you do need it, you’ll be grateful you have it.

Do you always travel with insurance? Have you ever had to use it? Drop your experience in the comments!

Before You Go…

If you’re planning your own solo trip my Solo Travel Lifeline might come in handy. It’s like having a travel buddy in your pocket – without the awkward small talk.

Need a ready-made plan? Check out my 3-day travel itineraries for popular destinations – they’re packed with tips and can save you a lot of guesswork. If you want something more personalised, I also offer custom itinerary planning to make sure your trip goes smoothly.

This post contains affiliate links. If you book through these links, I may earn a small commission at no extra cost to you. Thank you for your support!

Need a place to stay? I’ve got some handy links for Booking.com and Expedia to make planning a bit easier.

Looking for more travel options? Consider using platforms like eSky International for flight and hotel packages, or Enjoy Travel if you are looking to rent a car for your adventure.

And if you want real time action, follow me on Instagram, TikToK or join the Sisterhood of Solo Travellers on Facebook for tips, stories, and the occasional travel mishap.

If you’re interested in Southeast Asia, you might enjoy my posts about Koh Lanta and Siem Reap.

Planning a solo trip? It can feel overwhelming at first, but I’ve got a guide to help – Why I Use Booking.com.

Want to stay in the loop? Subscribe below for the latest from Sisters Uncharted – straight to your inbox!

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February 17, 2025
Solo Female Travel Packing List: Essentials for Every Adventure
Packing for Solo Travel: Less Stress, More Freedom

Packing for solo travel is about finding the balance between being prepared for anything and not overpacking. Whether you’re off on a backpacking adventure, a city escape, or the Camino de Santiago, having the right gear makes all the difference.

When I first started travelling full-time, I was convinced I could live out of a carry-on backpack. I packed light, thinking I had cracked the code for minimalist travel… but reality hit fast. Carry-on limits were restrictive, and constantly lugging everything on my back quickly lost its appeal.

So, I made the switch and bought a lovely Samsonite suitcase, and honestly, it was a game-changer. Now, I check in my bag for flights, pack everything properly, and then happily wheel it to my hotel or Airbnb without breaking my back. No regrets.

This packing list will help you travel light, stay safe, and be ready for whatever the road throws your way – without making the same mistakes I did.

1. Travel Documents & Essentials

Some things are not replaceable. Keep these in a secure, easy-to-reach place.
- Passport & copies (digital + paper backups)
- Travel insurance details (an absolute must for solo travellers!)
- Visa documents (if needed)
- Emergency contacts (keep them written down in case your phone dies)
- A secure travel wallet (RFID-blocking to prevent card skimming)
- A small notebook & pen (useful for border forms, journaling, or making quick notes in a new language)
Pro Tip: Always keep your important documents in a waterproof pouch in case of rain, spills, or unexpected mishaps.

2. The Best Backpack & Packing Accessories

Your bag is your home on the road, so choosing the right one is crucial.
- Backpack or suitcase? Backpacks are better for mobility, but a suitcase works well if you’re staying in hotels or Airbnbs
- A theft-proof daypack (small, lockable, with hidden compartments)
- Packing cubes (absolute game-changer for keeping things organised!)
- Dry bag for wet clothes & electronics
- A foldable tote bag (for shopping or day trips)
Pro Tip: A compression sack is great for bulky items like jackets—it saves space and doubles as a pillow.

3. Clothing: Pack Light, Stay Versatile

The golden rule? Layers and mix-and-match outfits.
- 2-3 breathable tops (quick-dry, wrinkle-resistant)
- 1-2 comfy bottoms (leggings, travel trousers, or shorts)
- 1 lightweight dress or jumpsuit
- 1 warm layer (fleece, jumper, or packable jacket)
- Underwear (7 pairs) & quick-dry socks
- Comfortable walking shoes & sandals
- Light rain jacket or poncho
- A scarf or sarong (doubles as a blanket, beach cover-up, or extra layer)
Pro Tip: Choose neutral colours so you can mix & match easily.

4. Toiletries & Minimalist Beauty Kit

When packing toiletries, solid products > liquids to avoid leaks & hand-luggage restrictions.
- A door stop alarm (perfect for Airbnb & hostel safety!)
- A personal safety alarm or whistle
- A discreet money belt or hidden pouch
- A lock for hostel lockers
- Pepper spray or alternative (if legal in your destination)
Pro Tip: Download offline maps & translation apps before your trip.

5. Safety & Security Essentials for Solo Female Travellers

When travelling alone, safety is just as important as packing light. These items offer peace of mind without taking up much space.
- A door stop alarm (perfect for Airbnb & hostel safety!)
- A personal safety alarm or whistle
- A discreet money belt or hidden pouch
- A lock for hostel lockers
- Pepper spray or alternative (if legal in your destination)
Pro Tip: Always scan your passport, insurance & emergency contacts and save them in Google Drive or email for easy access.

6. Travel Gadgets & Must-Have Tech

Technology can make or break your travel experience. Here’s what you’ll actually use.
- Universal travel adapter
- Power bank (10,000mAh+)
- E-reader or Kindle (lighter than books!)
- Noise-cancelling earbuds
- Smartphone tripod (for solo travel photos!)
- Local SIM card or eSIM (for data on the go)
Pro Tip: Download offline maps & translation apps before your trip.

7. Health & First Aid Kit

A basic first aid kit is a lifesaver when you’re on your own.
- Painkillers (Ibuprofen, Paracetamol, etc.)
- Electrolyte sachets (for dehydration & long travel days)
- Motion sickness tablets
- Antiseptic wipes & plasters
- Hand sanitiser & tissues
Pro Tip: Pack a small bag of herbal tea – it’s a comfort item that helps with digestion, colds, and stress.

Final Packing Tips for Solo Travellers
1. Roll, don’t fold your clothes to save space.
2. Wear bulky items (like a jacket) on the plane to free up bag space.
3. Pack for one week – even if travelling for months.
4. Leave room for souvenirs or unexpected finds!
FAQ: Solo Female Travel Packing List

1. What should a solo female traveller pack?

A solo female traveller should pack lightweight, versatile clothing, a secure backpack or suitcase, safety essentials (like a door stop alarm and personal safety alarm), and travel gadgets like a power bank and universal adapter. Travel insurance is also a must!

2. Is a backpack or suitcase better for solo travel?

It depends on your travel style! Backpacks are great for mobility, especially if you’re hopping between hostels or taking public transport. Suitcases (like my Samsonite) are ideal if you prefer easy packing and rolling your luggage to your hotel or Airbnb.

3. How do I pack light for a long trip?

The best way to pack light is to bring clothing that mixes and matches easily, choose travel-sized toiletries, and roll your clothes instead of folding them. Packing cubes also help with organisation and space-saving.

4. What safety items should I bring as a solo female traveller?

Some must-have safety essentials include a door stop alarm, a personal safety alarm, a money belt, and a small travel lock for hostel lockers. It’s also a good idea to scan and save copies of important documents in the cloud.

5. What is one item solo female travellers always forget?

A microfibre towel! It’s lightweight, dries quickly, and is handy for hostels, beaches, or even as a blanket on long journeys. Another common item people forget is a universal travel adapter – essential for keeping devices charged worldwide.

Final Thoughts: What’s in YOUR Bag?

Packing for solo travel is all about balance: being prepared but not overburdened. The key is choosing quality over quantity and only bringing what you’ll actually use.

What’s your #1 must-pack item for travel? Drop it in the comments!

Before You Go…

If you’re planning your own solo trip my Solo Travel Lifeline might come in handy. It’s like having a travel buddy in your pocket – without the awkward small talk.

Need a ready-made plan? Check out my 3-day travel itineraries for popular destinations – they’re packed with tips and can save you a lot of guesswork. If you want something more personalised, I also offer custom itinerary planning to make sure your trip goes smoothly.

This post contains affiliate links. If you book through these links, I may earn a small commission at no extra cost to you. Thank you for your support!

Need a place to stay? I’ve got some handy links for Booking.com and Expedia to make planning a bit easier. If you book through them, I may earn a small commision – at no extra cost to you – so you’d be helping a fellow traveller out.

And if you want real time action, follow me on Instagram, TikToK or join the Sisterhood of Solo Travellers on Facebook for tips, stories, and the occasional travel mishap.

If you’re interested in Southeast Asia, you might enjoy my posts about Koh Lanta and Siem Reap.

If you’re planning a big trip, don’t miss my guide on how to survive long-haul flights in economy—it’s painfully honest and full of hard-earned wisdom.

Want to stay in the loop? Subscribe below for the latest from Sisters Uncharted – straight to your inbox!

Email Address *
I agree to receive emails from Sisters Uncharted *Yes
February 16, 2025
Solo Female Travel Over 40: How to Travel Confidently and Independently
Solo travel is one hell of a ride – especially for women who’ve spent years putting others first and are now ready to put themselves first. When I first started, I was equal parts excited and terrified. Would I get lonely? Would I get lost? (Spoiler: Yes.) Would I regret it? (Never.) But I’ve learned this: you don’t have to be fearless to do it. You just have to start. Solo travel isn’t about being perfect – it’s about being brave enough to try.

That’s why I’ve built three spaces to support your journey:
- The Sisterhood of Solo Travelers – A Facebook group for women over 40 who want to cheer each other on and share the ups and downs.
- Sisters Uncharted – My group travel initiative that blends the independence of solo travel with the support of traveling alongside like-minded women. Our first trip is launching in September 2026, and you can register your interest now!
- Solo Uncharted – My personal blog, where I keep it real about the wild, wonderful, and downright frustrating moments of solo travel.
This isn’t about glossy Instagram perfection – it’s about real adventures, misadventures, and everything in between.

This post contains affiliate links. If you book through these links, I may earn a small commission at no extra cost to you. Thank you for your support!

Why I Travel Alone

“Aren’t you scared?” they ask. “Don’t you get bored?” Honestly? Yeah, sometimes. But nothing beats the freedom of doing what you want, when you want.

If I want to sit with a beer for hours, people-watching in the middle of nowhere, I can. If I decide to go on some crazy side mission to find an obscure landmark no one else cares about, that’s my choice. It’s my adventure, and every time I step outside my comfort zone, I find new parts of myself I never knew existed.

Preah Ang Thom | S Smith (2025)

The Bumps in the Road

Now, don’t let me fool you – it’s not all sunsets and scenic views. Solo travel comes with its fair share of hiccups.

I’ve been stuck in airports with one cancelled flight after another. I’ve had full-on breakdowns over Google Maps misguiding me down some back alley. Oh, and let’s not forget the respiratory virus in Cambodia that took me out of action for days.

But here’s the thing: every time I’ve faced something tough, I’ve found a way through. And that’s what bravery really is – it’s not about being fearless. It’s about pushing forward even when you’re terrified or completely over it. Because trust me, the view on the other side is always worth it.

S Smith (2025)

Why You Should Try It

You’re probably thinking, “I could never do that.” But you can. You just start small, and the rest falls into place.

You don’t have to be perfect, organized, or even remotely fearless to travel solo. I’m none of those things. What you need is curiosity, a sense of adventure, and maybe a bit of stubbornness to get through the rough days.

You don’t have to book a one-way ticket tomorrow. Start with a weekend away in your own country, eat alone at a restaurant, or explore a nearby city without an itinerary. Small steps lead to big adventures.

It’s not about avoiding mistakes – it’s about seeing what you’re capable of when you’re outside your comfort zone. Trust me, you’ll surprise yourself.

Join the Adventure

Join the Sisterhood of Solo Travelers on Facebook.
It’s full of women over 40 who’ve got your back, whether you’re planning your first trip or just need a bit of encouragement. [Click here to join now.]

You don’t need to have it all figured out – none of us do. Just take that first step, and the rest will unfold. Let’s see where this adventure takes you.

Ready to take the leap? Join the Facebook group today and start connecting with fellow solo travelers. And if you’re interested in our upcoming group trip, register your interest now- you won’t want to miss it!

Before You Go…

If you’re planning your own solo trip my Solo Travel Lifeline might come in handy. It’s like having a travel buddy in your pocket – without the awkward small talk.

Need a ready-made plan? Check out my 3-day travel itineraries for popular destinations – they’re packed with tips and can save you a lot of guesswork. If you want something more personalised, I also offer custom itinerary planning to make sure your trip goes smoothly.

Need a place to stay? I’ve got some handy affiliate links for Booking.com and Expedia to make planning a bit easier. If you book through them, I may earn a small commision – at no extra cost to you – so you’d be helping a fellow traveller out.

And if you want real time action, follow me on Instagram, TikToK or join the Sisterhood of Solo Travellers on Facebook for tips, stories, and the occasional travel mishap.

If you’re interested in Southeast Asia, you might enjoy my posts about Koh Lanta and Siem Reap.

Planning a solo trip? It can feel overwhelming at first, but I’ve got a guide to help – Why I Use Booking.com.

Want to stay in the loop? Subscribe below for the latest from Sisters Uncharted – straight to your inbox!

Email Address *
I agree to receive emails from Sisters Uncharted *Yes
January 31, 2025