Allsafe Travel Insurance Review

Allsafe Travel Insurance Review

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With the Brexit deadline almost upon us and the current coronavirus pandemic, 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 Allsafe Travel Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Allsafe Travel Insurance

Allsafe Travel Insurance is a trading style of Brokersure Ltd who are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 501719. Brokersure operate a number of brands in addition to All Safe, Direct2Insure, HolidayInsurance.com, Fit2 Travel Insurance, Go Insure.co.uk, Fit4Travel, Medical Travel Insurance and Travel Adder.

Customers with pre existing medical conditions can have them underwritten via the online medical screening and many sports and activities are included as standard. Choose from four levels of cover Standard, Standard plus, Premier and the Premier Plus policy, which we have given a five star rating to.

How to Buy Travel Insurance from Allsafe Travel Insurance

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

How Allsafe 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 Allsafe Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Allsafe Travel Insurance. They are - Premier Plus - Premier - Standard Plus - Standard. We have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Standard Plus:

Rating for Single Trip Standard:

Allsafe Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Allsafe Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Allsafe Travel Insurance. They are - Premier Plus - Standard Plus - Premier - Standard. We have rated these as follows:-

Rating for Annual Premier Plus:

Rating for Annual Standard Plus:

Rating for Annual Premier:

Rating for Annual Standard:

Allsafe Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Allsafe 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 Allsafe Travel Insurance's policy wording

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

For the purpose of this insurance, a child is considered to be a person who is 17 years of age or under. Included in this category are step children and foster children. All children are covered free of charge.

2. What are the policy age limits?

Both the single trip and annual trip policies have an age limit of 70 years of age and under at the date of purchasing insurance.

3. What are the policy Trip Duration limits?

The trip duration limits are as follows

  • Single Trip up to 365 days for one trip (provided you are 65 years of age or under. For ages 66 - 70 trips are restricted to 30 days
  • Annual Trips a maximum combined limit of 183 days, which each trip restricted to
    • Standard cover - 17 days
    • Standard plus cover - 21 days
    • Premier and Premier Plus policies - 31 days  

If you choose to add wintersports the total number of days covered within a twelve month period is the same as above.

4. What are the options for Winter Sports cover?

The wintersports section (is an optional addon and requires payment of an additional premium) covers the following activities;

Bigfoot skiing, blade skating, cat skiing (with guide), cross country skiing, curling, glacier walking (up to 1500 metres), husky dog sledding, ice go carting, ice skating, kick sledging, langlauf, mono skiing, mountain walking up to 1500m, off piste skiing or snowboarding (except in areas considered to be unsafe by local resort management), passenger sledge, ski blading, ski boarding, ski dooing, skiing, skiing nordic, sledging, sleigh riding (reindeer, horses or dogs), snowboarding, snow cat driving, snow mobile/ski doos, snow mobiling, snow parascending, snow shoe walking, speed skating, telemarking, tobogganing.

The benefits payable under the policy are as follows

Wintersports equipment:  Standard cover £300 (single article limit £150) Standard Plus £400 (single article limit £150, Premier and Premier Plus policies £1,000 (single article limit £1,000

Equipment Hire: standard £15 per day (max £150) Standard plus £20 per day (max £200) Premier £20 per day (max £400)  Premier Plus £25 per day (max £500)

Lift Pass: Standard £200 Standard Plus, Premier and Premier Plus £500

Ski Pack: Standard £20 per day (max £200) standard plus and Premier £20 per day (max £400) Premier Plus £25 per day (max £500)

Piste Closure: Standard £15 per day (max £150) Standard Plus and Premier  £20 per day (max £300) Premier Plus £25 per day (£500)

Avalanche Cover: Standard £15 per day (max £150) standard Plus and Premier £25 per day (max £250) Premier Plus £50 per day (max £500)

Physiotherapy in the UK: Standard No cover Standard plus, premier and premier plus £350.

To give you an idea of costs a 7 day trip to Europe including wintersports would cost:

Standard £13.01  Standard Plus £16.36 Premier £19.61 Premier Plus £26.02. This is approximately double the premium of a policy without wintersports cover.

 

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

A family is classed as up to two adults and whilst the wording states the policy will cover any number of children, there is only space to list up to eight children during the quotation process.

As well as a family policy, one can be taken out by up to ten individuals or couples. There is no individual group discount available on this policy.

Note children are only insured when travelling with one or both of the insured adults, but under Annual Multi Trip cover, either adult and the children (accompanied by a responsible adult) are also insured to travel on their own.

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

If you are travelling to a European Country, the policy states that you should take a European Health Insurance card with you.

If you are travelling to Australia or New Zealand, you should enrol in Medicare or the equivalent scheme of these countries.

The policy states if you have an EHIC card, you must use it to mitigate any claims under the policy.

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

The policy provides a comprehensive list of over 120 leisure and sporting activities which are covered automatically,  such as water skiing and wake boarding, matharons (maximum of two), sea fishing and rafting (grade 1 rivers only). These are just a few examples, you should check the policy document for the complete list.

Whilst this list is wide-ranging, if you wish to take part in a pursuit that isn't mentioned, you should contact them directly to see if it can be added and what additional premium or terms are required if any.

8. What are the policy Alcohol Exclusion terms?

The policy excludes claims in respect of:

  • Your excessive consumption of alcohol.
  • 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.
  • Any claim which is as a result of you having been diagnosed as suffering from acute alcohol intoxication, alcohol dependency or alcohol withdrawal.

However they go on to say


"We do not expect you to avoid alcohol during your trip, but we will not cover any claim arising from excessive alcohol consumption, by which we mean where you have drunk so much alcohol that you have notably impaired your faculties and/or judgement and you need to make a claim."

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

The standard policy does not include either cover, but the Standard Plus, Premier and Premier Plus policies, automatically include scheduled airline failure cover for up to £1500.

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

The Standard policy will not cover any pre existing medical condtions. The Standard Plus, Premier and Premier Plus policy, will cover pre existing medical conditions, provided they are declared via the medical screening process, at the same time you obtain a quotation.

If you do not wish to declare the conditions online, you can also contact the customers services centre on 0330 880 3604. Read our latest guide on carrying medication abroad in 2018.

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

The policy excludes any costs relating to pregnancy or childbirth, if you are more than 26 weeks pregnant at the start of or during your trip.

However you can claim for cancellation of a holiday or trip, If you become pregnant after the date you  purchased this insurance cover (or booked your trip  whichever is later) and you will be more than 26 weeks pregnant at the start of or during your trip. Or, if you become pregnant after the date you purchased this insurance cover and your doctor  advises that you are not fit to travel due to complications in your pregnancy.

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

The policy specifically excludes manual labour which is defined as work involving physical labour. However the policy will provide cover for Animal Sanctuary/Refuge Work, office and clerical work, bar and restuarant work, music performance and singing, or fruit picking, providing it does not involve machinery. 

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

Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed are excluded.

There is also a deduction made for wear and tear under the policy.

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

Any claim arising from an act of terrorism is excluded, but this does not apply to Medical Expenses either outside or inside the United Kingdom, Hospital Benefit or Personal Accident.

The policy also excludes claims in respect of a cyber event. A cyber event is described as an unauthorised or malicious act or series of related unauthorised or malicious acts or the threat or hoax thereof involving access to, processing of, use of or operation of any information technology system or any electronic data by any person or group(s) of persons.

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

The Premier and Premier Plus policies both offer Natural Catastrophe cover as standard. Cover includes Cancellation, Stranded at Departure, additional costs to reach your destination, stranded on you return journey and or additional expenses to get home, car parking and kennel or cattery fees, as a result of volcanic eruption, flood, tsunami, earthquake, landslide, hurrican, tornado or wildfire.

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

To be eligible for an Allsafe policy, you must have your main home in the UK or Isle of Man and be registered with a local doctor.

Allsafe Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on allsafe-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 Allsafe 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 Allsafe Policies

We've highlighted Pro's and Cons for Allsafe , 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 Allsafe Travel Insurance.

  • Five Star Premier Plus policy provides excellent cover
  • Online medical screening available for Standard Plus, Premier and Premier Plus Policies
  • Extensive list of Leisure and Sporting Activities automatically covered under the policy
  • Standard Plus, Premier and Premier Plus include Scheduled Airline Cover as standard
  • Total days abroad limited to 183 under the Annual Travel Policy

What Cover do Allsafe 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

    Annual

    Standard Plus

    Annual

    Premier

    Annual

    Premier Plus

    Annual

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Standard Plus

    Single Trip

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    100

    75

    40

    40

    75

    100

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    7,500,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    7,500,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    3,000

    4,000

    6,000

    6,000

    4,000

    3,000

    1,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    5,000

    10,000

    30,000

    30,000

    10,000

    5,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,500

    2,000

    3,000

    3,000

    2,000

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    125

    200

    250

    300

    300

    250

    200

    125

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    125

    200

    300

    500

    500

    300

    200

    125

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    500

    500

    500

    500

    500

    500

    200

  • 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

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    50,000

    50,000

    50,000

    50,000

    50,000

    50,000

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    5,000

    10,000

    30,000

    30,000

    10,000

    5,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    500

    500

    500

    500

    500

    500

    200

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    300

    400

    500

    500

    400

    300

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    200

    300

    450

    450

    300

    200

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    200

    300

    400

    400

    300

    200

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    600

    600

    1,000

    1,000

    600

    600

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    250

    250

    250

    250

    250

    250

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    1,000

    1,000

    1,000

    1,000

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    4,000

    6,000

    6,000

    4,000

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    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

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    1,000

    1,000

    1,000

    1,000

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

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

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

Sample Quotes from Allsafe Travel Insurance.

Listed below are some Sample Quotes offered by Allsafe Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 7

Allsafe  Travel Insurance Review
Product Rating

Experience Rating

Standard Plus

100

Medical Expenses 7,500,000

Cancellation 3,000

Missed Departure 600

Delayed Departure 200

Baggage 1,500

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 40 - 49

Trip Days: 7

Allsafe  Travel Insurance Review
Product Rating

Experience Rating

Standard

150

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,000

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 365

Allsafe  Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

40

Medical Expenses 10,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 400

Baggage 3,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Individual

Age: 18 - 29

Trip Days: 365

Allsafe  Travel Insurance Review
Product Rating

Experience Rating

Standard Plus

100

Medical Expenses 7,500,000

Cancellation 3,000

Missed Departure 600

Delayed Departure 200

Baggage 1,500

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 50,000