Asda Travel Insurance Review

Asda 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 Asda and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Asda Travel Insurance

Founded in the 1960's Asda has grown to become one of the UK's leading retailers. Asda also has a financial services division including insurance and operates by attaching their own brand to products provided by other companies.

In this case travel insurance is arranged and administered by Insure and Go Insurance Services Ltd, with policies being underwritten by MAPFRE Asistencia.  Asda offer three policies  Value, Premier and the Five Star rated Superior policy. Children travel free under family policies and existing medical conditions can be covered online, ensuring that there is a policy and level of cover to suit most customers.

***Update Asda's annual travel policy now includes cover for wintersports as standard***

How to Buy Travel Insurance from Asda

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

How Asda 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 Asda .

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Asda Travel Insurance. They are - Superior - Value - Premium. We have rated these as follows:-

Rating for Single Trip Superior:

Rating for Single Trip Value:

Rating for Single Trip Premium:

Asda Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Asda Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Asda Travel Insurance. They are - Superior - Value - Premium. We have rated these as follows:-

Rating for Annual Superior:

Rating for Annual Value:

Rating for Annual Premium:

Asda Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Asda 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 Asda 's policy wording

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

Children travel free under family policies and are dependent, under the age of 18 and either in full time education or living with the insured adults.

2. What are the policy age limits?

Single Trip Travel policies have an age limit of 85.

Annual Travel policies have an age limit of 75

3. What are the policy Trip Duration limits?

For those age 65 or under a single trip policy can be taken out for up to 365 days. For those customers aged between 66 and 85 this is restricted to 31 days.

Annual policies allow you to travel abroad as many times as you like. However each individual trip is restricted to 35 days (value cover), 45 days (Premium cover) and 90 days (Superior Cover)

If you are over the age of 65 and want an annual policy, individual trips are restricted to 31 days, in respect of all three policies. 

4. What are the options for Winter Sports cover?

Winter sports can be added to either policy. In respect of Single Trips, for the duration of the policy, for annual policies cover is restricted to a maximum of 18 days (24 if you choose Superior cover).  Wintersports is now automatically included in Annual Travel Policies.

The policy covers you for Bobsleighing*, cat skiing, cross country skiing, downhill skiing*, freestyle skiing*, glacier walking or trekking (under 2000m), glacier walking or trekking (over 2000m but under 6000m)*, heli-skiing*, ice climbing under 100m (fully supervised)*, ice fishing, ice hockey*, luge on snow/ice*, monoskiing, off piste skiing/snowboarding (except in areas considered to be unsafe by resort management), recreational ski or snowboard racing, skeletons*, ski acrobatics*, ski bob racing*, ski racing or training (non-professional)*, ski stunting*, ski touring (with a guide), ski/snowboard fun parks*, skiing, snow mobiling*, snowboarding and tobogganing.

Any activity marked with an * carrys an increased excess of £250 for any medical expense or personal accident claims.

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

Both policies allow cover for individuals, couples/families (a person and their spouse/partner, plus up to eight dependent children.

Up to ten individuals can be included under the same single trip policy, provided they are all travelling together to the same destination.

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

If you are travelling to any European Union country the policy requires you to obtain a European Health Insurance Card for every person who is insured under the policy.  If during a claim for medical expenses, the cost is reduced as a result of the card, then the excess will be waived.

When travelling to Australia or New Zealand and require any medical treatment, you should register with the national Medicare or equivalent scheme.

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

The policy covers 90 different sports and leisure activities as standard, including Scuba diving down to 30 metres, providing you hold a British Sub Aqua Club or equivalent certificate, or are under the direct supervision of a qualified instructor.

Some of the activities whilst covered do exclude personal liability and personal accident cover, so you should check the policy to make sure you have adequate cover.

There is also an option to add an additional 49 more extreme pursuits. These require payment of an additional premium and most come with an increased medical excess according to the activity.

8. What are the policy Alcohol Exclusion terms?

The policy excludes claims where you have drunk too much alcohol. Asda do not expect you to avoid alcohol on your trips or holidays, but they will not cover claims, where you have drunk so much alcohol, that your judgement is seriously affected and it causes a claim. (a claim where in the opinion of the treating doctor excessive alcohol was the cause).

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

All policies cover airline failure, the Premium and Superior policies also cover Supplier insolvency as standard.

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

Pre-existing medical conditions are excluded under the policy, however they can be quoted for by answering the relevant medical screening questions, allowing you to receive a quote and terms online, without the need to phone up.

If you are unsure about taking medication abroad, please read our guide.

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

The Asda policy excludes any claim from pregnancy or childbirth, unless a qualified medical practitioner is able to confirm that the claim is as a result of complications of pregnancy.

The policy provides a list of what constitutes a complication.

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

Manual Labour is excluded under the Asda policy. Manual  Labour is described as work that is physical in nature. Some examples are construction, assemble and building work.

Asda will however cover you for bar and restaurant work, musicians, singers,  fruitpickers and archaeological digging, provided no machinery is used.

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

Asda reserve the right to add an additional 10% deduction to any item you are claiming for that exceeds £100 in value (less deductions for wear and tear), where you cannot prove you own an item or provide proof of purchase.

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

The policy excludes claims with the exception of medical expenses, which occur as a result of war, invasion, revolution, rebellion, act of foreign enemy or any similar event.

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

Comprehensive Travel Disruption cover available as an option

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

The Asda policy requires you to have lived in the UK or Channel Islands for at least six of the last twelve months prior to purchase.

Asda 's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on asda-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 Asda 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 Asda Policies

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

  • Children Travel Free under family policies
  • Superior cover awarded our five star rating
  • The Superior Annual policy covers individual trips of 90 days as standard
  • Scheduled Airline and supplier insolvency covered as standard on Premium and Superior policies
  • Pre-existing medical conditions can be underwritten online
  • Option to extend cover to include valuables (including electronic gadgets)
  • Unlimited Medical expenses under the Superior Policy
  • Automatic cover for Winter Sports on all Annual Travel Policies

No Con's

What Cover do Asda 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

    Value

    Annual

    Premium

    Annual

    Superior

    Annual

    Value

    Single Trip

    Premium

    Single Trip

    Superior

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    70

    50

    100

    70

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    25,000,000

    Unlimited

    20,000,000

    25,000,000

    Unlimited

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    2,000

    5,000

    1,000

    2,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    30,000

    50,000

    20,000

    30,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,300

    2,000

    1,000

    1,300

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    250

    250

    200

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    250

    250

    200

    250

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    50,000

    50,000

    50,000

    50,000

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    2,500

    5,000

    1,500

    2,500

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    30,000

    50,000

    20,000

    30,000

    50,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    400

    500

    300

    400

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,500

    1,600

    1,500

    1,500

    1,600

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    75

    150

    300

    75

    150

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    255

    315

    200

    255

    315

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    1,000

    1,000

    500

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    200

    300

    0

    200

    300

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    500

    500

    0

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    2,500

    5,000

    0

    2,500

    5,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    2,500

    5,000

    1,500

    2,500

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

Sample Quotes from Asda .

Listed below are some Sample Quotes offered by Asda

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Family

Age: 40 - 49

Trip Days: 14

Asda Travel Insurance Review
Product Rating

Experience Rating

Superior

50

Medical Expenses Unlimited

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 315

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Individual

Age: 50 - 59

Trip Days: 21

Asda Travel Insurance Review
Product Rating

Experience Rating

Superior

50

Medical Expenses Unlimited

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 315

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 71 - 75

Trip Days: 365

Asda Travel Insurance Review
Product Rating

Experience Rating

Superior

50

Medical Expenses Unlimited

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 315

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 71 - 75

Trip Days: 365

Asda Travel Insurance Review
Product Rating

Experience Rating

Premium

70

Medical Expenses 25,000,000

Cancellation 2,000

Missed Departure 1,000

Delayed Departure 255

Baggage 1,300

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000