Alpha Travel Insurance Review

Alpha  Travel Insurance Review

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

Alpha Travel Insurance is the trading name of Infinity Insurance Solutions, who also own Holidaysafe Travel Insurance. Policies are underwritten by Travel Insurance Facilities Plc and Insured by URV (Union Reiseversicherung AG) who are a German company, regulated in Germany.

Alpha Travel are a leading provider of low cost holiday insurance with prices from as low as 32 pence per day. No upper age limit and children travelling free on familiy policies. Book online to receive a 15% discount.

Alpha Travel Insurance Policies are Underwritten By URV

How Alpha have been ranked using our star rating formula. Alpha  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 Alpha Travel Insurance.

Single Trip Policy Ratings Click to Expand

There are 6 Single Trip Policies, they are Alpha Zero, Alpha 50, Alpha 75, Alpha 100, Alpha 150, Alpha 250, we have rated these as follows:-

Thats Insurance Rating for Alpha Zero:

Thats Insurance Rating for Alpha 50:

Thats Insurance Rating for Alpha 75:

Thats Insurance Rating for Alpha 100:

Thats Insurance Rating for Alpha 150:

Thats Insurance Rating for Alpha 250:

Single Trip Travel Insurance Guide here
Alpha Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Alpha Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 6 Annual Policies, they are Alpha 250, Alpha 150, Alpha 100, Alpha 75, Alpha 50, Alpha Zero, we have rated these as follows:-

Thats Insurance Rating for Alpha 250:

Thats Insurance Rating for Alpha 150:

Thats Insurance Rating for Alpha 100:

Thats Insurance Rating for Alpha 75:

Thats Insurance Rating for Alpha 50:

Thats Insurance Rating for Alpha Zero:

Alpha Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are 6 Longstay Policies, they are Alpha 100, Alpha 150, Alpha 250, Alpha Zero, Alpha 60, Alpha 50, we have rated these as follows:-

Thats Insurance Rating for Alpha 100:

Thats Insurance Rating for Alpha 150:

Thats Insurance Rating for Alpha 250:

Thats Insurance Rating for Alpha Zero:

Thats Insurance Rating for Alpha 60:

Thats Insurance Rating for Alpha 50:

Alpha Travel Insurance Review

Alpha '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 Alpha Travel Insurance's travel policy wording

1

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

Children are classed as under aged 17 and living at home.

2

What are the policy age limits?

At time of purchase:-

Aged 74 or under for Annual Multi Trip (Winter sports cover limited to ages under 64)

No Age Limit for Single Trip (Winter sports cover limited to ages under 79)

Longstay policies limited to those aged 55 or under.

3

What are the policy Trip Duration limits?

Maximum stay of 31 days on any one trip when purchasing an annual multi-trip policy.

Up to 90 Days on a Single Trip and up to 24 months in respect of Longstay cover.

If you pay the additional premium to include a cruise, the policy will be extended to cover you for 31 days cruising during the twelve month policy period.

4

What does the policy offer for Winter Sports cover?

Wintersports can be added to both a single trip and annual trip policies. Unlike most Annual travel policies, the Alpha winter sport policy has no limit on the total number of days you may ski during the 12 month policy, as long as any one trip does not exceed 31 days.

The policy covers skiing and snowboarding on and off-piste in the ski resort as standard. Piste skiing includes areas in and around the resort that may be off the actual marked and groomed pistes, for example a hillside between marked pistes or in between groomed trails, as long as ski lifts and emergency services are easily accessible.

All other areas are only covered if you are skiing with a guide.

5

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

Individuals - a single person

Couples - two persons who are in a long term relationship and have lived together for at least six months (couples can travel independently of each other under an annual policy)

Groups - up to 10 Travellers

Family -  this is for two adults and their dependent children, where the children are aged 17 and under, living at home and in full-time education.

Single Parent Family - this is for one adult and their dependent children, where the children are aged 17 and under, living at home and in full-time education (we have grouped quotes with family)

6

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

EHIC Mandatory if travelling within the EU.  You must also enrol with Medicare if travelling to Australia.

7

What is covered under Sports and Activities on the policy?

Check the policy schedule, page 27 lists Activities in Packs 1 ? 4. Over 70 activities are covered as standard in Activity Pack 1. Some are * to exclude cover for Personal Liability and Personal Accident. Additional Activity Packs can be purchased with the payment of an additional premium. 

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states “You or your close relative or business associate being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction), alcohol (a blood alcohol level that exceeds 0.19% - approximately four pints or four 175ml glasses of wine) or solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Financial Failure is only available as an option on Single Trip and Annual Trip policies.  No cover is provided on Longstay policies.

10

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

Quotes for people with medical conditions can be given online, you are asked to go through a set of questions in relation to your condition and quotes are provided at the end of this.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

11

What are the policy rules on travelling when pregnant?

Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the

pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if certain complications arise.

Please make sure you read the definition of complications of pregnancy and childbirth given under the Definitions.

Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in advance as regulations vary from one carrier/airline to another.

12

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

Listed under activities - Manual Labour is excluded. This is defined as where you undertake work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground. This does not include bar work which is listed as an included activity.

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

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

If claiming for your goods that were stolen or lost you should produce proof of purchase of the original goods (receipts, credit card or bank statements), as failure to do so may affect the assessment of the claim.

Longstay policies do not include cover for Jewellery & Watches, Single Trip and Annual Trip are covered.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

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

Claims relating to cyber events are excluded. Claims directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military rising, insurrection, rebellion, revolution, military or usurped power, climatic conditions and acts of nature which first arise during the period of insurance and give rise to your pre-booked outward or return journey being delayed by more than 24 hours.

15

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

Available as an option

16

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

You and all other insured persons must be a resident * of the United Kingdom, Channel Islands or BFPO. * a resident is defined as being someone who has their main home in the United Kingdom, the Channel Islands or BFPO and has not spent more than six months abroad in the year before buying this policy

Pro's and Con's for Alpha

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 Alpha Travel Insurance.

  • 15% Discount for buying online
  • Children travel free on Family Policies
  • Longstay policies can be for up to 24 months
  • No limit on the number of winter sport trips under Annual policies. Each trip can be for up to 31 days
  • Pre existing medical conditions can be quoted for online during the quotation process.
  • Financial Failure not covered as standard

What Cover do Alpha policies offer.

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

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Alpha Zero

    Single Trip

    Alpha 50

    Single Trip

    Alpha 75

    Single Trip

    Alpha 100

    Single Trip

    Alpha 150

    Single Trip

    Alpha 250

    Single Trip

    Alpha 250

    Annual

    Alpha 150

    Annual

    Alpha 100

    Annual

    Alpha 75

    Annual

    Alpha 50

    Annual

    Alpha Zero

    Annual

    Alpha 100

    Longstay

    Alpha 150

    Longstay

    Alpha 250

    Longstay

    Alpha Zero

    Longstay

    Alpha 60

    Longstay

    Alpha 50

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    50

    75

    100

    150

    250

    250

    150

    100

    75

    50

    0

    100

    150

    250

    0

    60

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    100

    100

    100

    100

    100

    100

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    0

    0

    0

    0

    0

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    300

    300

    300

    300

    300

    300

    300

    300

    300

    300

    300

    0

    0

    0

    0

    0

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

    10,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    400

    400

    400

    400

    400

    400

    400

    400

    400

    400

    400

    400

    500

    500

    500

    500

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    50

    150

    150

    150

    150

    150

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

    150

    150

    150

    150

    150

    150

    0

    0

    0

    0

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    500

    0

    0

    0

    0

    0

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

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

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    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

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Alpha .

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 21

Alpha  Travel Insurance Review
That's Insurance Rating

Customer Rating

Alpha 50

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Europe

Individual

Age: 71 - 75

Trip Days: 7

Alpha  Travel Insurance Review
That's Insurance Rating

Customer Rating

Alpha 75

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 14

Alpha  Travel Insurance Review
That's Insurance Rating

Customer Rating

Alpha 100

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Couple

Age: 18 - 29

Trip Days: 365

Alpha  Travel Insurance Review
That's Insurance Rating

Customer Rating

Alpha 150

150

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 60 - 64

Trip Days: 365

Alpha  Travel Insurance Review
That's Insurance Rating

Customer Rating

Alpha 100

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 50 - 59

Trip Days: 365

Alpha  Travel Insurance Review
That's Insurance Rating

Customer Rating

Alpha Zero

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from Alpha Travel Insurance

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