Able 2 Travel Insurance Review

Able 2 Travel Insurance Review

Able 2 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 Able 2 Travel 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 Able 2 will highlight:
  • Who are Able 2 and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Able 2 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 Able 2 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 Able 2 and who underwrites their policies?

Able2travel a trading name, is owned and operated by Voyager Insurance Services Ltd, who are Independent Insurance Intermediaries and who also operate Voyager Travel Insurance.

Able2Travel was set up as a specialist travel broker, to assist customers who have pre existing medical conditions.The insurance is administered by Voyager Insurance Services and underwritten by Chaucer Syndicates Ltd who are authorised and regulated by the Financial Conduct Authority.

The company was set up over 15 years ago with the intention of helping travellers with health conditions find cover. The website states each enquiry for medical conditions is dealth with on a case by case basis.

Able 2 Travel Insurance Policies are Underwritten By Chaucer Syndicates 1084

How Able 2 have been ranked using our star rating formula. Able 2 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 Able 2 Travel.

Single Trip Policy Ratings Click to Expand

There are 2 Single Trip Policies, they are Double, Standard, we have rated these as follows:-

Thats Insurance Rating for Double:

Thats Insurance Rating for Standard:

Single Trip Travel Insurance Guide here
Able 2 Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Able 2 Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 2 Annual Policies, they are Standard, Double, we have rated these as follows:-

Thats Insurance Rating for Standard:

Thats Insurance Rating for Double:

Able 2 Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Able 2 Travel Insurance Review

Able 2'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 Able 2 Travel's travel policy wording

1

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

Children are classed as dependent children under the age of eighteen years. There doesn't appear to be a limit of the number of dependent children you can insure.

2

What are the policy age limits?

At the time of policy purchase:-

  • The maximum age limit for single trips is 85 covering areas 1 - 4 (UK to Worldwide excluding USA and Canada) and 79 years for trips to area 5 (worldwide).
  • The age limit for Annual travel or multi trip policies is 74.

3

What are the policy Trip Duration limits?

The maximum duration of a single trip depends very much on your age. The maximum days of a trip is restricted to 184 for anyone up to the age of 64. This is dramatically reduced to 45 days, for anyone aged 65 - 79 and further reduced to 31 days for travellers aged between 80 and 85.

In respect of the annual trip policy, the maximum stay is 31 days in respect of the standard policy (all ages up to 74). However the double policy increases the maximum stay to 45 days for travellers up to the age of 64 and 35 days for travellers between the ages of 65 and 74.

Two important points to note are that the annual policy restricts the overall maximum period of trips to 183 days in all cases. Your policy automatically covers trips in your home country. provided you are staying for a minimum of two nights in pre booked and pre-paid accommodation.

4

What does the policy offer for Winter Sports cover?

Wintersports can be added as an optional extra to both the single trip and annual trip policies. The annual travel policy restricts the total number of days in respect of wintersports to 10 days under the standard policy and 21 days under the double policy.   The maximum age for wintersports is 79.

The policy covers Ski equipment up to £400 (standard policy) £800 (double policy) with a maximum single article limit of £150 and £300 respectively. Equpiment hire of £75 and £150.

Ski Pack cover of £100 (standard) and £200 (double). The ski pack covers injury or sickness preventing you from skiing, and loss or theft of your ski pass.

Finally piste closure which covers the loss of skiing if lifts are closed due to a lack or snow, adverse conditions or potential avalanches. This is only valid between the period of 1st December to 31st March for obvious reasons. The amount covered is £100 and £200.

We don't provide quotes including winter sports, but under a single trip policy the premium doubles if you wish to be covered for wintersports.

5

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

There is no limit to the number of individuals you can insure under one policy, but there doesn't appear to be a volume discount. The individual price per person was the same for twenty travellers as it was for one traveller.  

There is no definition of family in the policy booklet, but there is no limit to the number of children (who are dependent on you) that you can insure. The policy does state however that "family members can travel separately".

6

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

The carrying of an EHIC card is not mandatory with either policy, but it is strongly recommended. If you present your EHIC card during a medical expenses claim and the cost to the Insurer has been reduced as a result, the policy excess will be waived.

If you are travelling to Australia, you must enrol with a local Medicare Office straight after you first receive any treatment.

7

What is covered under Sports and Activities on the policy?

The policy provides a list of just over 100 sporting and leisure activities which are automatically covered. Things like Surfing, Scuba diving (down to a maximum depth of 30 metres), Kayaking and canoeing, boating, Ballooning and water skiing are all covered as standard.

Personal Accident and Personal Liability are excluded for some of these pursuits and these are marked with an asterisk in the policy wording. For any other enterprise that is not listed, you can phone them up and negotiate terms.

8

What are the policy Alcohol Exclusion terms?

The policy excludes cover for you drinking too much alcohol where it is reasonably foreseeable that such consumption could result in a serious impairment of your faculties and/or judgement resulting in a claim. They do not expect you to avoid alcohol on your trip but will not cover any claim 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?

The policy automatically covers financial failure up to £750 (£1000 under the double policy). This section covers irrecoverable sums which you have paid in advance to an end supplier; for example airline, hotel, ferry or villa company, that have become insolvent.

The policy does not include cover for travel agents, tour organisers or booking agents, although these companies should be covered by their ABTA membership.

10

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

The website states they specialise in customers with medical problems. The quotation allows you to add cover for medical conditions via their online medical screening process. Alternatively you can contact them via phone for a quotation.

You should make sure you are up to date with any vaccinations, inoculations or medications before you departure, as failure to do so could invlidate your policy in the event of a claim.

11

What are the policy rules on travelling when pregnant?

The policy excludes any claim for pregnancy which falls outside the definition of "Complications of pregnancy and Childbirth"

The policy defines this as toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole, (molar
pregnancy), post partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary emergency caesarean section, medical necessary termination and premature births. This definition is only applicable if the complication occurs more than 8 Weeks (or 16 Weeks in the case of a known 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?

Any Manual work is excluded under the policy, although there is no actual definition of manual work.

13

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

In respect of claims to lost or damaged property, deductions will be made for wear, tear and depreciation. Settlement is restricted to no more than £100 in total, for loss or theft of anything left unattended in a public place like a beach.

You must be able to prove ownership and the value of any item which exceeds £100.

14

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

The policy excludes claims arising out of loss or damage directly or indirectly occasioned by, happening through or in consequence of war,Terrorism, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation, or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

This does not however apply to claims for Medical Expenses, Hospital Stay Benefit or Personal Accident.

15

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

The Double policy includes automatic cover against catastrophe and travel distruption as follows:

  1. Extended Cancellation or curtailment/Loss of Holiday  £3,000
  2. Extended travel delay and or abandonment £3,000
  3. Catastrophe and travel disruption cover relating to pre booked accommodation £3,000
  4. Extended Missed Departure £1,500

16

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

You must be permanently resident in the United Kingdom, Channel Islands or Isle of Man and registered with a Medical Practitioner in your home country for the policy to be valid.

Pro's and Con's for Able 2

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 Able 2 Travel.

  • Business Travel automatically covered under the Double policy
  • Over 100 Sporting and Leisure activities covered as standard
  • All medical conditions considered and can be underwritten online at the point of sale
  • Automatic cover for financial failure
  • Cancellation cover on double policy only £3,000

What Cover do Able 2 policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Able 2 Travel and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Double

    Single Trip

    Standard

    Single Trip

    Standard

    Annual

    Double

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    35

    70

    70

    35

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    1,500

    1,500

    3,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    30,000

    15,000

    15,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    1,500

    1,500

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    150

    150

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    200

    200

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,000

    500

    500

    1,000

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    1,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    20,000

    10,000

    10,000

    20,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    500

    500

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    700

    350

    350

    700

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    100

    100

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    100

    100

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    750

    750

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    750

    750

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    3,000

    0

    0

    3,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    N

    N

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from Able 2.

Listed below are some Sample Quotes offered by Able 2 Travel (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 30 - 39

Trip Days: 7

Able 2 Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

70

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 750

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

Able 2 Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

70

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 750

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Europe

Family

Age: 30 - 39

Trip Days: 7

Able 2 Travel Insurance Review
That's Insurance Rating

Customer Rating

Double

35

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,500

Delayed Departure 200

Baggage 3,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide

Family

Age: 50 - 59

Trip Days: 365

Able 2 Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

70

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 750

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 50 - 59

Trip Days: 365

Able 2 Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

70

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 750

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 30 - 39

Trip Days: 365

Able 2 Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

70

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 750

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from Able 2 Travel

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