Treat U Fair Travel Insurance Review

Treat U Fair 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 Treat U Fair and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Treat U Fair Travel Insurance

Treat U Fair, no longer offer online travel insurance

Click here for an alternative comprehensive range of travel insurance quotes

Review of Treat U Fair Travel Insurance updated 18th March 2021 by Jonathan Upton

Treat U Fair is a trading name for Linkham Services Ltd, who specialise in insurance for those with medical conditions, Motor, Home, Life and Travel Insurance.

They offer both single trip and annual trip policies, with a comprehensive range of benefits. If you suffer from a medical condition, their unique approach to underwriting enables them to provide quotes based on the individuals clinical status, rather than the blanket approach taken by other companies.

How to Buy Travel Insurance from Treat U Fair

Click on the website link to go directly to the insurance providers website. Visit Treat U Fair's Website and Get a Quotation direct

How Treat U Fair 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 Treat U Fair.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Treat U Fair Travel Insurance. They are - Single Trip. We have rated these as follows:-

Rating for Single Trip Single Trip:

Treat U Fair Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Treat U Fair Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Treat U Fair Travel Insurance. They are - Annual Trip. We have rated these as follows:-

Rating for Annual Annual Trip:

Treat U Fair Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Treat U Fair 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 Treat U Fair's policy wording

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

The Treat U Fair policy classes children as those aged under 18, or under 23 if in full time  education, who normally reside with, and are travelling with an adult insured under this insurance.

2. What are the policy age limits?

Whilst the website doesn't state the limits, both policies are open to anyone under the age of 91

3. What are the policy Trip Duration limits?

The Single Trip allows you to insure yourself for up to 366 days in one go.

The annual multi-trip policy covers you for unlimited trips throughout the policy year, provided each trip is for no more than 60 days.

Note that trips to the USA of more than 89 days are not allowed.

4. What are the options for Winter Sports cover?

Winter sports is available as a paid option. In respect of single trip policies you are covered for the duration of the trip, in respect of annual policies for a maximum of 17 days.

You are covered for 21 different activities including snowboarding and skiing and skiing off-piste as long as you are accompanied by a local guide or another adult who is insured to ski off piste and in areas that resort management consider to be safe.

Note the policy will not pay claims caused by winter sports involving ski and ski-bob racing in  international or national events, services or inter services championships, or heats or officially  organised practice or training for these events, ski jumping, ski  stunting, ski mountaineering,  ski randonee, free style skiing, the use of skeletons, bob-sleighs or luges.

5. What are the options for Gadget Cover?

Treat U Fair, include mobile phones, laptops etc in their definition of Valuables, so the standard policy already provides some cover. However you do have the option of extending this and increasing the single article limit (subject to payment of an additional premium).

Any claims settlement is subject to wear and tear.

6. What are the options for Cruise Cover?

Similarly to winter sports, Cruise cover can be included as an optional extra. The policy covers additional costs if you have missed the departure of your ship, compensation as a result of cabin confinement due to injury or illness and unused excursions, as well as any change in the ship's itinerary due to adverse weather conditions.

Finally the policy covers additional costs to help you rejoin the ship if you have had to leave to temporarily visit hospital.

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

The Treat U Fair policy will allow up to ten individuals travelling as a group, couples and one or two adults and up to eight children, to insure themselves on a single policy.

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

The Treat U Fair policy provides a good explanation of the European Health Insurance card and Medicare in Australia and procedures you need to follow

If you take advantage of either of the EHIC and the claims settlement is reduced as a result, the excess in respect of medical expenses claims will be waived.

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

The TreatuFair policy includes cover for 73 recreational activities and past times as standard.  A further 27 "Hazardous Pursuits" can be included subject to payment of an additional premium. These cover activities like Paragliding, Hot Air Ballooning and White Water Rafting.

If you are bound for a thrill seeking holiday, you should check carefully to make sure the pursuits are automatically covered or you will need to add the Hazardous Pursuits pack.

10. What are the policy Alcohol Exclusion terms?

The policy excludes claims where you being under the influence of alcohol has contributed to an accident or bodily injury, where there is sufficient evidence to conclude that the use of alcohol contributed to any claim.

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

There is no cover provided as standard. You can include end supplier failure cover by paying the required additional premium.

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

If you have to answer yes to one or all of the following questions, you will need to declare your medical conditions online using the medical screening process
a) Taken  any  prescribed  medication  or  required  medical  treatment within the last 12 months?
b) Has any insured person been a registered in or out-patient in thelast 12 months?
c) Has any insured person had treatment or a hospital consultation for any cancerous condition in the last 5 years.

If you do not declare all relevant medical conditions, the Insurer, may treat the policy as if it had never existed and decline all claims.

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

This policy provides cover should complications arise with an insured person’s pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip.

Cover is not provided for any claim arising directly or indirectly from pregnancy, without any accompanying bodily injury, illness, disease or complications of pregnancy and childbirth

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

Manual or Work of any kind is not mentioned in the Policy Wording. We must assume that there is no cover, so if you are planning on work abroad, we strongly recommend contacting the Insurer direct for confirmation.

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

The claims procedure for lost, damaged or stolen baggage is a little vague. The policy states you must provide receipts to prove the value of the item or bills for the costs of repairs.

Any settlement will be after a deduction for wear and tear.

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

The policy excludes claims in connection with War (which includes terrorist activity), but this does not apply to claims for emergency medical expenses, cancellation and curtailment and hijack and kidnap.

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

There is no cover against natural catastrophe or disaster and no option to include such cover.

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

You must be a resident of the United Kingdom and have your normal place of residence in England, Scotland, Wales, Northern Ireland, the Isle of Man or the Channel Islands.

19. What about the Policy Wording?

The policy wording is 42 pages long. Whilst the PDF version does allow you to click links to different sections, the overall look in uninspiring and not attractively laid out.

Whilst the layout is uninspiring, on the plus side there is a table of benefits and an index, to assist with navigation.

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

Treat u Fair are not on comparison sites, preferring to deal with consumers direct from their own website.

21. Overall Summary

Treat u Fair travel insurance is a mid range policy, which has average features and benefits. Not everyone requires or needs a four or five star policy and if you have a medical condition, it is work getting a quote to compare.

On the plus side, the policy is highly configurable, whilst the standard level of cancellation and baggage cover is low, you are able to increase this up to £10,000 and £5,000 respectively, as well as including cover for medical equipment if you need to take some with you on holiday.

As with other sites selling more than one product, there isn't a great deal of information provided (for example no frequently asked questions or much detail on the benefits the policy provides), until you proceed to the quotation stage.

Treat U Fair's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on Treat-U-Fair'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 Treat U Fair 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 Treat U Fair Policies

We've highlighted Pro's and Cons for Treat U Fair, 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 Treat U Fair.

  • Online medical screening available for pre-existing medical conditions

No Con's

What Cover do Treat U Fair 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

    Single Trip

    Single Trip

    Annual Trip

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    2,500

    2,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    2,500

    2,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    350

    350

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    350

    350

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    750

    750

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    50,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    750

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    200

    200

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

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

    250

    250

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    750

    750

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

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

    Y

    Y

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

Sample Quotes from Treat U Fair.

We are currently Awaiting Details of quotes for this provider.

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