Admiral Travel Insurance Review

Admiral Travel Insurance Review

Reviewed by:

Although we have now officially left the European Union and agreed on a new UK Global Health Insurance card for travel to Europe, this is definitely not a replacement for travel insurance. It has never been more important, to choose the right policy because, as the current Coronavirus Pandemic has highlighted, the wrong choice can have disastrous financial and health consequences, 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 Admiral and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Admiral Travel Insurance

Admiral Insurance is a well known company, you will no doubt have seen the adverts on television. Admiral Insurance is a trading name of EUI Limited. 

Admiral offer cover for Single Trip, Annual Multi Trip, Winter sports, Golf Insurance, Cruise Travel Insurance and Gadget Insurance, as well as cover for those over the age of 65. You can choose from three levels of cover Admiral, Admiral Gold and Admiral Platinum.

Cover for single trip policies up to 365 days and the annual policy allows unlimited trips with each trip lasting up to 31 days. All policies provide access to a 24 hour Multilingual Emergency Helpline

Prices start at just over £8.00 for a Single Trip Policy to Europe for 7 days.

How to Buy Travel Insurance from Admiral

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

How Admiral 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 Admiral.

Single Trip Policy Ratings Click to Expand

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

Rating for Single Trip Admiral:

Rating for Single Trip Admiral Gold:

Rating for Single Trip Admiral Platinum:

Admiral Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Admiral Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Backpacker Standard:

Admiral Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Admiral Travel Insurance. They are - Admiral - Admiral Gold - Admiral Platinum. We have rated these as follows:-

Rating for Annual Admiral:

Rating for Annual Admiral Gold:

Rating for Annual Admiral Platinum:

Admiral Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Admiral 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 Admiral's policy wording

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

Children under the age of 18 years of age (in full-time education and residing with parents) can be insured under the single trip and annual trip policy.

Under the multi trip policy children may travel independently of the main insured persons, provided they are accompanies at all times by a responsible adult.

2. What are the policy age limits?

  • Single trip policies have an age limit of 79 years.
  • Annual travel policies have an age limit of 75 years.
  • Wintersports is restricted to anyone under the age of 65

3. What are the policy Trip Duration limits?

The single trip policy can be taken out for up to 365 days.

The annual travel policy can be used for an unlimited number of trips, provided each trip is for no longer than 31 consecutive days.

4. What are the options for Winter Sports cover?

The wintersports option can be added to any single trip or annual trip policy, provided the insured is under the age of 65.

In respect of annual travel, you are covered for only one trip of up to 17 consecutive days, during the policy year.

The policy provides a list of acceptable wintersports activities which are covered automatically (for example skiing and snowboarding)  There is a list of activities that can be included with payment of an additional premium, but no cover in respect of personal accident and liability claims (for example snowmobiling or skidoos) and finally a list of activities that are completely excluded (for example ski jumping and bobsleighing)  You should check the policy to make sure any activity you intend to do is covered.

The wintersports sums insured are as follows:

Ski equipment   Economy  £500, Standard £500, Premier £1,000

Single article limit Economy £250, Standard £250 Premier £500

Ski Pass £75 per day Maximum £300  Economy and Standard £75 per day maximum £450 Premier

Piste closure and Avalance £20 per day maximum £200 Economy and Standard £300 maximum Premier

Ski Hire £25 per day maximum £250 Economy and Standard £500 maximum Premier.

To give you an idea of costs 7 days cover to Europe including wintersports for a £35 year old would be £19.46 Economy, £24.79 standard and £32.96 Premier.

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

An Admiral policy may be taken out by a single insured person, a couple who both live at the same address, a family which can consist of a single parent, a grandparent or two parents or grandparents, together with up to five children and also non-related children who are travelling together as part of a family group.

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

When travelling to a country in the European Union, the policy states "You must therefore obtain a European Health Insurance Card (EHIC) prior to travel"

When travelling to Australia or New Zealand and you have to go to hospital, you must register for treatment under the national Medicare or equivalent scheme of those countries.

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

Sporting and Leisure activities covers over 70 different pursuits as standard (for example surfing, scuba diving (qualified) down to 30 metres, water skiing and snorkelling)

A further 18 activities can be included under the  "Hazardous Activities" section, but payment of an additional premium is required and cover in respect of Personal Accident or Liability is excluded. (For example Kite Surfing, Shark diving and Scuba Diving between 30 and 50 metres).

8. What are the policy Alcohol Exclusion terms?

The policy excludes "claims by drinking so much alcohol that your judgment is seriously affected (for example a medical claim where in the opnion of the treating doctor, excessive alcohol consumption has caused the injury".

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

Not covered under the policy.

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

All Pre existing medical conditions are excluded under the policy, but can be declared and underwritten at the point of sale, by answering the relevant medical screening questions.

A pre existing medical condition is described as

  1. Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under the policy and/or prior to any Trip;

  2. Any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under the policy and/or prior to any Trip.

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

The policy does provide cover for unforseen events in respect of pregnancy and childbirth. However it is restricted to covered for medical expenses, additional accommodation and travelling costs and cancellation only.

Cover only relates to complications of Pregnancy and Childbirth which include 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 sections/medically necessary termination and any premature births 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?

Manual Work is specifically excluded under all Admiral travel policies.

Manual work is defined as paid or unpaid manual work or physical labour of any kind. 

If you wish to work whilst abroad and are not sure if you are covered, we recommend contacting the Insurer to find out and obtain permission in writing from them. 

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

Claims for loss or damage to personal possessions are paid based on the value of the goods at the time that they are lost and not on a ‘new for old basis’ or replacement cost basis; thus a deduction is made for wear, tear, and depreciation, bearing in mind the age of the items.

If claiming for goods that were stolen or lost you should produce proof of purchase of the original goods by way of receipts, credit card or bankstatements, as failure to do so may affect the assessment of the claim.

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

The policy excludes cover against terrorism. This does not apply to claims under the Medical Emergency & repatriation and Personal Accident sections of the policy.

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

The Gold and Platinum policy includes cover in respect of alternative accommodation, returning home early, refund of paid excursions and pre booked accommodation as a result of  fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity (including ash cloud), flood, tidal wave, tsunami, medical epidemic or pandemic.

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

You must be a UK resident and be registered with a medical practitioner

Admiral's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on admiral-travel-insurance-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 Admiral 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 Admiral Policies

We've highlighted Pro's and Cons for Admiral, 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 Admiral.

  • Online medical screening available at the point of sale
  • Gold and Platinum policies include catastrophe cover as standard
  • No cover for end supplier or scheduled airline failure

What Cover do Admiral 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

    Standard

    Backpacker

    Admiral

    Single Trip

    Admiral Gold

    Single Trip

    Admiral Platinum

    Single Trip

    Admiral

    Annual

    Admiral Gold

    Annual

    Admiral Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

    75

    50

    100

    75

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    15,000,000

    20,000,000

    10,000,000

    15,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    2,000

    1,000

    2,500

    5,000

    1,000

    2,500

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    10,000

    15,000

    25,000

    10,000

    15,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    1,000

    1,500

    2,500

    1,000

    1,500

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    350

    200

    300

    400

    200

    300

    400

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    350

    200

    300

    400

    200

    300

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    300

    400

    500

    300

    400

    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

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    10,000

    15,000

    25,000

    10,000

    15,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    10,000

    15,000

    25,000

    10,000

    15,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    300

    400

    500

    300

    400

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    50

    100

    150

    50

    100

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    250

    250

    250

    250

    250

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    500

    750

    1,000

    500

    750

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    300

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    300

    0

    0

    1,000

    0

    0

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,500

    0

    1,000

    1,500

    0

    1,000

    1,500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    750

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    N

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    N

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Admiral.

Listed below are some Sample Quotes offered by Admiral

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 21

Admiral Travel Insurance Review
Product Rating

Experience Rating

Admiral Gold

75

Medical Expenses 15,000,000

Cancellation 2,500

Missed Departure 750

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Europe

Individual

Age: 40 - 49

Trip Days: 14

Admiral Travel Insurance Review
Product Rating

Experience Rating

Admiral Gold

75

Medical Expenses 15,000,000

Cancellation 2,500

Missed Departure 750

Delayed Departure 250

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000