1Stop Travel Insurance Review

1Stop  Travel Insurance Review

1Stop Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of 1Stop Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Our review of 1Stop will highlight:
  • Who are 1Stop and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how 1Stop rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do 1Stop policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are 1Stop and who underwrites their policies?

One Stop Travel Insurance provide cover for Single Trip, Annual Multi-Trip, Backpacker, with cover extensions for Winter Sports, Cruise, Business, Wedding and Golf Insurance.  Travel insurance for a Single Trip policy starts at under £8.00. One Stop Travel Insurance's call centre is open 7 days which is useful if you need to book your travel insurance over the weekend and need to talk to someone about it.

One Stop Travel Insurance is a trading style of the AA (Automobile Association). In simple terms that means, 1 Stop Travel is the trading name - but is essentially run by the AA. As with a lot of Travel Insurers the underwriters of the policies change from year to year. As a company manages to negotiate a better deal, it changes the Insurance Underwriter. Currently the travel policies are underwritten by CIGNA EUROPE Insurance Company. So you have the backing of a large well known Insurer.

The One Stop Travel Insurance policy document is 52 pages long - and as with all policy documents - should be read before you purchase your travel insurance, however, here at That's Insurance we realise that it's not realistic for you to read every policy document, cover to cover, of policies that you are considering.  Our review of 1Stop Travel Insurance highlights some important information that you should definitely know about, some example quotes, pro's and con's and Thats Insurance Star Ratings for their policies.

1Stop Travel Insurance Policies are Underwritten By Cigna Insurance Services (Europe)

How 1Stop have been ranked using our star rating formula. 1Stop  Star Ratings

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by 1Stop Travel Insurance.

Single Trip Policy Ratings Click to Expand

There are 1 Single Trip Policies, they are Single Trip, we have rated these as follows:-

Thats Insurance Rating for Single Trip:

Single Trip Travel Insurance Guide here
1Stop Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are 1 Backpacker Policies, they are Backpacker, we have rated these as follows:-

Thats Insurance Rating for Backpacker:

Backpacker Travel Insurance Guide here
1Stop Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 1 Annual Policies, they are Annual Trip, we have rated these as follows:-

Thats Insurance Rating for Annual Trip:

1Stop Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

1Stop Travel Insurance Review

1Stop 's 'User Friendly' Rating

That's Insurance have reviewed 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

16 Key Points you need to know about 1Stop Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

Children are persons aged up to 17 years.  They are covered free of charge on Single Trip policies bought online when travelling with a parent or guardian living at the same address.

2

What are the policy age limits?

At time of purchase:-

Maximum age of 66 for Single Trip

Maximum age of 66 for Annual Multi Trip

Maximum age of 45 for Backpacker Insurance.

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 365 days. Annual Trip, Trip Duration is 45 days per trip.

Backpacker Policies for trips up to one year including one return home trip for 14 days without voiding your policy.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added with the payment of an additional premium on your Single Trip Policy. The policy states Winter Sports can be included for 17 days on your Annual Policy, provided you are aged 65 or under. However the website states it is 31 days, so we recommend checking.

The policy only lists activities not covered, including off-piste skiing or snowboarding, unless accompanied by a locally qualified guide. skiing against local authoritative warning or advice, ski stunting, free-style skiing, ice hockey, bobbing, tobogganing, heliskiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, skiracing, snow scooting, snow biking, snow mobiling, snowcat skiing, snow carting or the use of bob sleighs, luges or skeletons.

Bum boarding, snow mobiling, ski biking, snow tubing can be included if you select the winter sports upgrade option.

5

What is classed as a family and how many people can be quoted for?

A policy can be taken out by a single person, a couple or a family.

Family Travel means Two adults (or single parent family) and up to 4 dependent children (under the age of 18, or under the age of 23 and in full time education) who all reside together.

There is no provision for insuring more than one indvidual under the same policy.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC not Mandatory but strongly advised if travelling to the EU.  If you are travelling to Australia you should register with Medicare if requiring treatment.

7

What is covered under Sports and Activities on the policy?

Check the policy schedule, activities are listed as Grade 1 and 2 plus Winter Sports. There are over 70 activities listed as included in Grade 1. Activities are starred * if they exclude cover for Personal Liability or Personal Accident.

If you intend to take part in an activity not listed, we would recommend that you obtain permission in writing and pay any additional premium to ensure that you are covered. 

8

What are the policy Alcohol Exclusion terms?

Policy states cover is excluded for “You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of Your faculties and/or judgement resulting in a claim. We do not expect You to avoid alcohol on Your Trips or holidays, but We will not cover any claims arising because You have drunk so much alcohol that Your judgement is seriously affected and You need to make a claim as a result.”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Third Party Supplier Insolvency covered as standard up to £2,000 Not covered under the backpacker policy

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre-existing conditions can be considered and quoted for online. You should complete the online screening questionnaire.  Please ensure that all pre-existing conditions are declared and that you have agreement in writing that your conditions are covered.

11

What are the policy rules on travelling when pregnant?

Insurance Provider states you are only covered for complications arising from pregnancy.  Whilst the Insurance Provider does not state this, in general policies do not consider normal pregnancy a complication and so you would not be covered for a normal birth.  You would be covered should complications arise though.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual Labour is excluded for this policy.  However, listed in Activities you may participate in Manual work (bar and restaurant, waitress, waiter, chalet maids, au pair, nanny and occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery)+

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Original receipts for items delayed, lost, stolen or damaged are required to substantiate your claim.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

What does the policy cover in the event of war, terrorism or cyber attack?

Cover is excluded for any claim arising as a result of “War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip”.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Covered on Single Trip or Annual Trip Policy up to level stated. Not Covered on Backpacker Policy.

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available to You if you and all others to be insured are UK residents and have not yet started your trip.

Pro's and Con's for 1Stop

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by 1Stop Travel Insurance.

  • A single trip can be taken out for up to 12 months
  • Annual policies allow for individual trips of up to 45 days as standard
  • Third Party Supplier Insolvency covered as standard
  • Pre existing medical conditions can be included and underwritten online during the quotation process
  • 20% discount for buying online
  • Children travel free under single trip policies
  • No cover for groups of more than one individual
  • £100 standard excess

What Cover do 1Stop policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by 1Stop Travel Insurance and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Single Trip

    Single Trip

    Annual Trip

    Annual

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    3,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    200

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    600

    600

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    150

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    300

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

    800

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    100

    100

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,000

    2,000

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    500

    500

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    N

Sample Quotes from 1Stop .

Listed below are some Sample Quotes offered by 1Stop Travel Insurance (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Individual

Age: 50 - 59

Trip Days: 21

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Single Trip

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Family

Age: 18 - 29

Trip Days: 7

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Single Trip

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide

Family

Age: 50 - 59

Trip Days: 7

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Single Trip

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 365

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Annual Trip

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 365

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Annual Trip

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 365

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Annual Trip

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 40 - 45

Trip Days: 365

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

100

Click Heart to Favourite

Compare Now

Medical Expenses 3,000,000

Cancellation 2,000

Missed Departure 800

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 270

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

100

Click Heart to Favourite

Compare Now

Medical Expenses 3,000,000

Cancellation 2,000

Missed Departure 800

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 45

Trip Days: 270

1Stop  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

100

Click Heart to Favourite

Compare Now

Medical Expenses 3,000,000

Cancellation 2,000

Missed Departure 800

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from 1Stop Travel Insurance

Visit 1Stop Travel Insurance's Website and Get a Quotation direct

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Customer Reviews of 1Stop Travel Insurance

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