Travel Plus Insurance Travel Insurance Review

Travel Plus Insurance Travel Insurance Review

Travel Plus Insurance Travel Insurance Review

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I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Travel Plus 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.

Who are Travel Plus Insurance and who underwrites their policies?

Review of Travel Plus Insurance updated 12th March 2019 by Jonathan Upton

Travel Plus Insurance is a new offering from P J Hayman and Company Ltd, who are Travel Insurance Specialists formed in 1990. Underwritten by Zurich Insurance, you can choose from three levels of cover including the five star Premier Plus cover, which includes gadget cover, end supplier failure and Journey disruption as standard.

Winter sports and Cruise Insurance is automatically included on Premier Plus Annual Multi-trip policies.

Travel Plus Insurance Travel Insurance Policies are Underwritten By Zurich Insurance

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

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 Travel Plus Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Travel Plus Insurance Travel Insurance, they are Essential, Premier Plus, Premier, we have rated these as follows:-

Rating for Single Trip Essential:

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

The Definitive Guide to Single Trip Travel Insurance Guide here
Travel Plus Insurance Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Travel Plus Insurance Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Travel Plus Insurance Travel Insurance, they are Essential, Premier, Premier Plus, we have rated these as follows:-

Rating for Annual Essential:

Rating for Annual Premier:

Rating for Annual Premier Plus:

Annual Travel Insurance Guide here
Travel Plus Insurance Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Travel Plus Insurance Travel 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

21 Key Points you need to know about Travel Plus Travel Insurance's travel policy wording

1

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

Children are classed as under 18 years old in respect of Essential Cover policies and under 18 years old or under 23 years old if still in full time education, when purchasing the Premier or Premier Plus policies.

2

What are the policy age limits?

In respect of single trip policies, the age limits are under the age of 65 for Essential travel policies and under the age of 89 for Premier and Premier Plus policies.

In respect of annual multi trip policies, the age limits are under the age of 65 for Essential travel policies and under the age of 85 for Premier and Premier Plus policies.

3

What are the policy Trip Duration limits?

The trip duration limit under single trip policies is 94 days (reduced to 35 days if aged 75 years and over in respect of Premier and Premier Plus policies)

The annual multi trip policy allows unlimited trips throughout the twelve month period, as long as each trip lasts for no more than 24 days Essential Cover 35 days Premier and Premier Plus cover. There is an option to increase the maximum number of days per trip to 45 or 60 days under the Premier and Premier Plus policies as long as you are aged between 18 and 69.

4

What are the options for Winter Sports cover?

Wintersports cover is an option under Single Trip Premier and Premier Plus Policies, Annual Multi-trip Premier Policies and included as standard under Annual Multi-trip Premier Plus Policies.

You are covered for up to 17 days winter sports under the Premier policy and up to 45 days under the Premier Plus policy.

You are covered for the following activities;

Biathlon
Cross country/big foot skiing If off-piste or not on recognised paths must be accompanied by qualified guide and in areas that local resort management consider to be safe.
Dry slope skiing
Glacier walking Accompanied by qualified guide.
Husky sledge driving/passenger  - No racing or mushing. No personal liability cover.
Ice skating, Ice windsurfing Indoor Skiing - No cover for personal liability.
Kick sledging
Ski biking/ski-dooing,skiing/mono-skiing/skiboarding - If off-piste must be accompanied by qualified guide and in areas that local resort management consider to be safe.
Ski run walking
Sledging Including sledging as a passenger pulled by horse, dog or reindeer.Sleigh rides as a passenger
Snow biking/go karting -No cover for personal liability.
Snow blading
Snow boarding - If off-piste must be accompanied by qualified guide and in areas that local resort management consider to be safe.
Snow bobbing
Snow mobiling/scooting -Guided tours only. No personal liability.
Snow shoe walking
Snow tubing
Telemarking
Tobogganing
Winter Walking - Using crampons and ice picks only. Up to 3,000 metres altitude.

5

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

You are able to insure yourself, you and your partner, you and your children, or you, your partner and your children.

For the purposes of this insurance Partner means husband, wife, civil partner, or someone of either sex that you live with as though they were your husband, wife or civil partner.

6

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

If you are planning to travel to a European Country the EHIC (European Health Insurance Card) is strongly recommended. Where possible you should use the card to allow you to benefit from reciprocal healthcare arrangements.

If you are travelling to Australia and require essential medical treatment, you will be expected to enrol in the local medicare scheme.

7

What is covered under Sports and Activities on the policy?

Travel Plus Insurance covers over 160 activities as standard, which should satisfy all but the most extreme adrenaline junkies. For those that want to take activities to the next level there are additional options requiring payment on an additional premium in activity packs 2 - 4

Some of the activities even the standard ones do have terms and conditions attached to them, so its important that you read the policy wording to make sure you comply at all times. 

8

What are the policy Alcohol Exclusion terms?

Travel Plus Insurance will not pay any claims related to you drinking too much alcohol as evidenced by

a) a medical practitioner stating that your alcohol consumption has caused or actively contributed to your injury or illness.
b) your alcohol intake whilst taking any combination of medication or drugs known (or would reasonably be suspected) to cause drowsiness, impaired vision or judgment when combined with alcohol whether such drugs are prescribed or not.
c) the witness report of a 3rd party which has advised that you have notably impaired your faculties and/or judgement.
d) your own admission and/or by the description of events you have described on the claim form.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Both end supplier and scheduled airline failure cover is standard on both the Premier and Premier Plus policies, but not the essential policy.

10

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

If you have ever

  • Had a heart condition or heart related condition?
  • Received treatment for a respiratory condition requiring a hospital admission or the use a nebuliser and/or supplementary oxygen?
  • In the last 5 years had treatment for any form of cancer?
  • In the last 5 years had treatment for any form of circulatory condition?
  • In the last 2 years received any surgery, inpatient or outpatient treatment or had any test or investigations in a hospital or clinic or been seen by a specialist consultant?
  • In the last 6 months had a change in prescribed medication?

Then you will need to declare the condition, otherwise you will not be able to take out insurance. The declaration can be carried online at the same time as obtaining a quotation.

11

What are the policy rules on travelling when pregnant?

Travel Plus Insurance excludes Normal pregnancy or childbirth, without any accompanying injury, illness, disease or complications of pregnancy or childbirth

complications of pregnancy as certified by a medical practitioner are: toxaemia; gestational hypertension; pre-eclampsia; ectopic pregnancy; hydatidiform mole (molar pregnancy); hyperemesis gravidarum; ante partum haemorrhage; placental abruption; placenta praevia; post-partum haemorrhage; retained placenta membrane; miscarriage; stillbirths; medically necessary emergency Caesarean sections/medically necessary termination; and any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) prior to the expected delivery date.

12

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

Travel Plus Insurance cover the following work activities Office - clerical & administrative duties.

Bar & restaurant, waitress, waiter, chalet maid, retail work & fruit picking.

No working at height above 3 meters (but excluding the use of power tools & machinery). No cover for personal liability.

13

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

Travel Plus cover Lost, damaged or stolen baggage as follows;

a) For articles less than 2 years old at the time of loss or theft, the replacement cost when evidence of the original purchase is provided;

b) For articles 2 years old or more, or if evidence cannot be produced as to its age, the value at today's prices less a deduction for wear, tear and depreciation (Travel Plus may choose to replace, reinstate or repair the lost or damaged baggage)

14

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

The Travel Plus policy covers, Emergency Medical, additional travel and accommodation expenses, Hospital Benefit and Personal Accident, in the event of a terrorist attack.

15

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

The Essential policy offers travel disruption as an option, The Premier policy includes a small amount of catastrophe cover as standard and offers travel disruption as an option.

The Premier Plus policy includes catastrophe and travel disruption as standard.

16

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

The requirements for travel insurance are that you are a UK resident, who at the time of buying their policy - has their main home in the UK and has lived in the UK for at least six months, or holds a valid British residency permit or visa, or are a British member of her majesty's armed forces stationed overseas and

is registered with a UK medical practitioner and

is liable to pay taxes in England, Scotland, Wales or Northern Ireland.

17

What are the options for Gadget Cover?

The Travel Plus Essential policy does not cover gadgets, but the Premium and Premier Plus policies automatically include gadget cover up to £1,000 and £1,500 respectively.

Gadgets must have been purchased as new in the UK and be not more than 48 months old at the time of your trip. You will be expected to provide evidence of ownership for any claim to be paid.

18

What are the options for Cruise Cover?

The Travel Plus Essential policy does not offer the option of Cruise Cover, however both the Premier and Premier Plus policies offer it as an option (subject to payment of an additional premium).

The annual multi-trip Premier Plus policy includes cruise cover as standard. 

The Cruise section covers Missed embarkation, delay or loss of formal cruise attire, compensation due to itinerary changes, cabin confinement and unused excursions, as well as additional emergency medical assistance and expenses, including ship to shore repatriation.

19

What about the Policy Wording?

The Travel Plus Insurance policy is only 28 pages long. The format is not particularly inspiring, but it does contain all the information you need.

Includes is a comprehensive table of benefits, clear page of emergency contact numbers and an index, so that you can easily find your way around the various sections of cover.

20

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

They are not on any comparison websites, you need to visit the website direct to obtain quotes.

21

Overall Summary

An excellent range of policies to suit most customers. Backed by a well known and highly rated Insurer. The Premier Plus policy should get a mention, the cover that is provided as standard, makes it one of the top policies around.

If you plan on more than one trip per year and may include winter sports or a cruise, then the Annual Multi trip Premier Plus policy should be given serious consideration.

I particularly like the Consular Assist and Travel Consumer Dispute cover which is standard on the Premier and Premier Plus policies.

Travel Plus Insurance's 'User Friendly' Rating

That's Insurance have reviewed Travel Plus Insurance'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 Travel Plus Insurance 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

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

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

  • Financial and Scheduled Airline Failure as standard on Premier and Premier Plus policies
  • Premier Plus Policy rated five stars
  • Winter Sports and Cruise cover as standard on annual multi trip Premier Plus Policy
  • Pre-existing medical conditions can be underwritten online during the quotation process
  • Consular Assist and Travel Consumer Dispute as standard on Premier and Premier Plus policies
  • Over 160 sporting activities covered as standard

No Con's

What Cover do Travel Plus Insurance policies offer.

We've listed below cover levels for policies offered by offered by Travel Plus Travel Insurance 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

    Essential

    Single Trip

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Essential

    Annual

    Premier

    Annual

    Premier Plus

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    50

    75

    100

    75

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    7,500,000

    10,000,000

    10,000,000

    7,500,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    750

    7,500

    3,000

    750

    3,000

    7,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    7,500

    3,000

    0

    3,000

    7,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    30,000

    15,000

    5,000

    15,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    3,000

    2,000

    1,000

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    500

    300

    200

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    100

    750

    300

    100

    300

    750

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    1,500

    500

    300

    500

    1,500

  • 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

    0

    50,000

    10,000

    0

    10,000

    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

    5,000

    3,000

    0

    3,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    150

    750

    250

    150

    250

    750

Secondary Cover toggle

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    1,500

    500

    300

    500

    1,500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    150

    2,000

    500

    100

    500

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    500

    350

    200

    350

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    3,500

    3,500

    3,500

    3,500

    3,500

    3,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    500

    150

    150

    150

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    500

    100

    0

    100

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    1,500

    500

    0

    500

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    10,000

    2,500

    0

    2,500

    10,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    5,000

    3,000

    0

    3,000

    5,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    5,000

    0

    0

    0

    5,000

  • 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

    1,500

    1,000

    0

    1,000

    1,500

  • 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

    1,000

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    1,500

  • 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

    0

    1,000

    250

    0

    250

    1,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    5,000

    3,000

    0

    3,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    150

    750

    250

    150

    250

    750

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    N

    N

    N

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    Y

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    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

    N

    Y

    Y

    N

    Y

    Y

Sample Quotes from Travel Plus Travel Insurance.

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How to Buy Travel Insurance from Travel Plus Travel Insurance

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Customer Reviews of Travel Plus Travel Insurance

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