Travel Insurance Saver Travel Insurance Review

Travel Insurance Saver Travel Insurance Review

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With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

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

Who are Travel Insurance Saver Travel Insurance

Travel Insurance Saver Review updated 19th June 2021 by Jonathan Upton

Travel Insurance Saver is another travel insurance product from the Rothwell and Towler stable. Like travel insurance 4 medical and world first, Travel Insurance Saver, offer a range of cheap family friendly travel insurance policies.

You can choose between 3 levels of cover, including the four star rated Gold policy, with excesses as low as £50.

How to Buy Travel Insurance from Travel Insurance Saver

Click on the website link to go directly to the insurance providers website. Visit Travel Insurance Saver's Website and Get a Quotation direct

How Travel Insurance Saver Travel Insurance 's Policies have been ranked using our star rating formula?

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

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Travel Insurance Saver Travel Insurance. They are - Gold - Silver - Bronze. We have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Travel Insurance Saver Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Travel Insurance Saver Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Travel Insurance Saver Travel Insurance. They are - Gold - Silver - Bronze. We have rated these as follows:-

Rating for Annual Gold:

Rating for Annual Silver:

Rating for Annual Bronze:

Travel Insurance Saver Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Travel Insurance Saver Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about Travel Insurance Saver's policy wording

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

Dependents are described as those who are under the age of 18, residing in the UK and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

2. What are the policy age limits?

Both the Travel Insurance Saver, single trip and annual multi trip policies have an age limit of 75.

3. What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 62 days.

All annual multi trip policies allow for unlimited trips throughout the policy year, as long as each trip lasts no longer than 31 days

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

A policy may be taken out by up to ten individuals, couples (married, common law or of a longstanding nature and single or two parent families and up to eight children.

5. What are the options for Winter Sports cover?

All three policies offer the option to include winter sports. Upon payment of an additional premium your policy will automatically include sports activity pack three (which includes winter sport activities and activity packs one and two.

Winter sports cover on piste skiing and snowboarding, for leisure purposes only and not participating in any timed, competitive or off piste/specialist ski/snow board activities).

The cover is for the entire duration of your Single Trip or for 17 days in one policy year on your Annual Multi Trip.

When participating in winter sports the Insurer recommends that the appropriate clothing, including crash helmets, should be worn, and activities undertaken match the level of experience the insured person has in that sport (e.g. if you are a beginner skier do not undertake a black run).

Please note that if you wish to take part in some of the more extreme winter sports, you may need to purchase additional activity packs to cover them. See the policy wording for more information.

6. What are the options for Gadget Cover?

The standard baggage section of the policy does not cover gadgets, but it is possible to add this cover subject to payment of an additional premium. The policy definition of gadgets includes mobile phones, iPhones, iPads, Tables, smartwatches and Go Pro's.

All gadgets must be less than 48 months old (in respect of laptops 18 months old) Any settlement will take into account wear and tear.

Items must have been purchased as new or, in the case of refurbished items, purchased directly from the manufacturer, and you must be able to evidence ownership of your gadget.

7. What are the options for Cruise Cover?

Only the Silver and Gold policy allow you to include cover for a Cruise. The Cruise extension covers the cost of a missed port departure. Compensation for cabin confinement and any unused excursions as a result of injury or illness and compensation if your ship is unable to dock due to adverse weather or change of itinerary.

8. What is covered under Sports and Activities on the policy?

The Travel Insurance Saver policy covers over 75 sports and activities as standard. They have split activities that are not covered as standard into a further seven bands according to the risk of the activity. Activity pack 8 for example covers you to perform a solo parachute jump, and hiking, walking or mountaineering up to 6,000 altitude.

The policy also states, if the activity is not listed, they still may be able to cover it and recommend that you contact them with the information.

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

The Saver policy excludes manual work, which described as Work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys, or any form of work underground. 

Bar work is covered under the standard activity pack 1.

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

The carrying and use of the European Health Insurance card is strongly recommended and Insurers confirm that if it is used to reduce a medical expenses claim, then any excess will be waived.

If you are travelling to Australia, you must register with Medicare on arrival.

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

Like most policies, pre-existing medical conditions are excluded, but they can be added via the medical screening questions asked during the quotation process. This allows you to obtain an accurate quote with cover for specific medical conditions, without the need to phone up.

12. What are the policy rules on travelling when pregnant?

The Travel Insurance Saver Policy include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away.

From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if you suffer from a pregnancy complication, a list of which can be found in the policy wording.

13. What are the policy Alcohol Exclusion terms?

The policy excludes claims caused by alcohol, specifically a blood alcohol level that exceeds 0.19% which is approximately four pints or four 175ml glasses of wine.

14. Does the policy cover Scheduled Airline Failure or Financial Failure?

The Silver and Gold policy include cover against Scheduled Airline Failure as standard.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

All three policies include a small amount of cover to assist with alternative accommodation, in the event that your existing accommodation is damaged by a natural disaster.

16. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

The Travel Insurance Saver policy states that you must provide proof of purchase for all items valued at £50 or more.

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

Claims caused by a terrorist act or terrorism are excluded from the policy, with the exception of Emergency Medical Expenses.

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

This insurance is for residents of the United Kingdom, Channel Islands or British Forces Posted Overseas only. You must also have not spent more than six months abroad in the year before purchasing insurance.

19. What about the Policy Wording?

The policy booklet is 34 pages long, it follows the same format and layout, that is found on the majority of policies underwritten by Travel Insurance Facilities. Travel Insurance Facilities underwrites approximately 30% of the travel insurance we review, so it may be a policy wording that you are familiar with.

The layout is not particularly customer friendly and appears a bit old fashioned.

20. What do reviews from customers say?

There are 572 reviews on Trust Pilot with a trust score of 9.2. The vast majority of reviewers were satisfied with the service they received. There were a few customers who had issues with claims, but it was refreshing to see that all reviews were followed up by the company to try and sort the issue out.

21. Are they on Comparison sites such as Confused.com or CompareTheMarket.com?

Travel Insurance Saver appear on money Supermarket. They offer the same three policies, Bronze, Silver and Gold. The cover, sums insured, excess and price are exactly the same on the comparison site as you will find if you obtain a quote direct on the Travel Insurance Saver website.

22. Overall Summary

The Gold policy has been awarded our four star rating. There are lots of options to from if you are planning on a sporting/activity holiday, with 8 different levels of cover according to the level of thrill seeking you enjoy.

The Gold policy covers all core and secondary areas of insurance, albeit with slightly lower overall limits than some of the five star policies, however I am sure the premiums reflect this.

Rothwell and Towler have years of experience and enjoy a good reputation in the travel insurance sector.

Travel Insurance Saver's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on Travel-Insurance-saver-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Travel Insurance Saver compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Travel Insurance Saver Policies

We've highlighted Pro's and Cons for Travel Insurance Saver, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Travel Insurance Saver.

  • Online Medical screening available in respect of any pre-existing medical conditions
  • The Silver and Gold policies cover Scheduled Airline Failure as standard

No Con's

What Cover do Travel Insurance Saver policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Single Trip

    Silver

    Annual

    Gold

    Single Trip

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    150

    75

    75

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,250

    1,250

    2,500

    2,500

    4,000

    4,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    1,250

    1,250

    2,500

    2,500

    4,000

    4,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    0

    10,000

    10,000

    20,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,500

    2,000

    2,000

    3,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    150

    250

    250

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    200

    250

    250

    500

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    300

    300

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    50,000

    50,000

    50,000

    50,000

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    2,500

    2,500

    2,500

    2,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    250

    250

    300

    300

    500

    500

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    0

    10,000

    10,000

    20,000

    20,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    300

    300

    500

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,500

    1,500

    2,000

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    400

    400

    500

    500

    600

    600

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    7,000

    7,000

    7,000

    7,000

    7,000

    7,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    250

    300

    300

    600

    600

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    150

    350

    350

    500

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    100

    100

    500

    500

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    250

    250

    250

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    2,000

    2,000

    2,500

    2,500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    200

    200

    350

    350

    500

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    100

    100

    200

    200

    250

    250

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    2,500

    2,500

    2,500

    2,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    250

    250

    300

    300

    500

    500

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from Travel Insurance Saver.

We are currently Awaiting Details of quotes for this provider.

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