Admiral Travel Insurance Review

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.

• 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

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.

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.

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.

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.

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).

Not covered under the policy.

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.

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. 

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.

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

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.

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.

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