Avanti Travel Insurance Review

Avanti  Travel Insurance Review

Avanti Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Avanti 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.

Who are Avanti and who underwrites their policies?

CLICK HERE TO GET AN AVANTI QUOTE

Avanti Insurance Ltd are based in Braintree Essex. This award winning company started in 1996, with the ethos of putting the customer first, they specialise in travel insurance for the over 50's and those with pre-existing medical problems.

According to the website, all medical conditions will be considered, including things like Leukaemia and HIV and there is no upper age limit. Single trip policies can be taken out for up to 550 days and the deluxe policy benefits from unlimited medical expenses cover and has been awarded a highly recommended four star policy by us.

There are three policies to choose from Essential, Classic and Deluxe. Consumers have rated them 9.1 on over 5000 reviews. So if you are searching for a quality product why not give Avanti a try.

Avanti Travel Insurance Policies are Underwritten By White Horse Ireland

How Avanti Travel Insurance's Policies have been ranked using our star rating formula?

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 Avanti Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Avanti Travel Insurance, they are Deluxe, Classic, Essential, we have rated these as follows:-

Rating for Single Trip Deluxe:

Rating for Single Trip Classic:

Rating for Single Trip Essential:

Single Trip Travel Insurance Guide here
Avanti Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Avanti Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Avanti Travel Insurance, they are Essential, Classic, Deluxe, we have rated these as follows:-

Rating for Annual Essential:

Rating for Annual Classic:

Rating for Annual Deluxe:

Annual Travel Insurance Guide here
Avanti Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Avanti Travel 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

16 Key Points you need to know about Avanti Travel Insurance's travel policy wording

1

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

A child is considered to be a person under the age of nineteen or under the age of 23, provided they are in full time education.

2

What are the policy age limits?

The Avanti single trip and multi trip policies provide cover with no age limit or restriction.

3

What are the policy Trip Duration limits?

Whilst the age limit under a single trip policy is unlimited, there are age restrictions on the trip duration.

Single trip policies: up to twelve months provided you are under the age of 71. This is reduced to 90 days if you are aged between 71 and 75 (120 days if you are only travelling to Australia or New Zealand only. The trip duration is further reduced to 31 days if you are aged 76 and above.

Multi Trip policies: The policy allows for an unlimited number of trips throughout the policy year, but each trip is limited to 31 days (up to the age of 75). For anyone over the age of 75 this is reduced to 24 days.

There is however an option to increase these limits. 45 days per trip for anyone aged between 71 - 75 (provided travel is not to USA, Canada or the Caribbean. 45 or 60 days per trip for anyone aged up to 70. These will require the payment of an additional premium.

 

4

What does the policy offer for Winter Sports cover?

Wintersports can be included for anyone up to the age of 70, but is restricted to 17 days for each policy year under the multi trip policy.

The additional of the wintersports section provides cover for the following activities: Big foot skiing, Cross country skiing (recognised paths), Glacier skiing, Heli-skiing/-boarding, Langlauf, Mono-skiing, Off-piste skiing (with a professional guide on designated pistes within the resort), Skidoo, Skiing, Ski touring, Sledging, Snowboarding, Snow mobiling, Snow shoeing, Snowcat skiing and Tobogganing.

If you wish to partake in an activity not listed, you can always phone them up. The Avanti travel insurance phone number is 01376 560800.

All three levels cover owned equipment up to £1,000, with a single article limit of £250, the winter sports pack up to £75 per day total £300, piste closure £20 per day up to £260, avalanche delay up to £250 and the hire of equipment of £20 per day up to £300 (essential and classic) and £50 per day up to £500 (deluxe).  All three policies also cover search and rescue up to £10,000 and physiotherapy up to £200.

The cost to cover a seven day trip to Austria including wintersports for an adult aged 35 would be £37.30 Essential cover £41.63 Classic and £65.88 Deluxe.

5

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

The Avanti policy can be taken out by up to nine individuals, couples, described as a person, their husband, wife or partner, as long as they have lived together for a minimum of six months. Families, a single adult or couple and up to four dependent children.

Children are only covered when travelling with one of the insured adults.

6

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

Avanti do not insist on an EHIC card, if you are travelling to a European Country, but recommend that you apply for one before you go. If you need to make a claim and use the EHIC card, Avanti will not apply the excess in respect of the Medical Expenses section.

In respect of travel to Australia, you should enrol with Medicare.

7

What is covered under Sports and Activities on the policy?

Avanti provide a list of over 80 activities and pursuits, that they will automatically cover. The list is fairly comprehensive and covers things like, Surfing, Trekking up to 4000 metres, water skiing, windsurfing and more unusually the Sydney Harbour Bridge walk. For a full list please read the policy booklet.

Important note. Scuba Diving is not included in the list of acceptable activities. We would recommend contacting Avanti, if you wish this or any other activity not specifically mentioned to be covered.

8

What are the policy Alcohol Exclusion terms?

The policy excludes any claim arising from you being under the influence of drink.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Yes the policy does provide cover for both scheduled airline failure and end supplier failure, but only in respect of the classic and deluxe policies.

10

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

Yes the policy does provide cover for existing conditions. You must also declare any medical condition on your travel insurance, which you have suffered or received medical advice on or treatment in the last five years.

Pre existing conditions can be quoted for by completing the easy to use online medical screening facility.

Important note. In respect of any medical expenses which are sustained in the United States of America, Avanti will only pay reasonable costs, observing the negotiated rate with the provider of the medical care.

If a negotiated rate does not exist, the maximum amount that will be paid is 150% of published USA Medicare rates. Read our Guide on the rules of taking medicine abroad with you.

11

What are the policy rules on travelling when pregnant?

Normal pregnancy is not covered under any of the Avanti policies, unless it falls under the description of complication of pregnancy.

Complications of pregnancy  are described in the policy as Toxaemia, gestational hyper tension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post-partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbir ths, miscarriage, medically necessary emergency Caesarean section, medically necessary termination and any premature births more than 8 (eight) weeks (or 16 (sixteen) weeks in the case of a known multiple pregnancy) prior to the expected delivery date.

 

However if you need to cancel your holiday, because you discovered your pregnancy after the inception of the policy and your return date is within 12 weeks of your delivery date (16 weeks for twins), you would be covered under the cancellation section of the policy.

12

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

It depends on the work you intend to do. If the work is physical, for example construction, installation, assembly or building work, then you will not be covered. If you intend to work in a bar or restaurant, or as a musician or singer, this would be covered under the polciy. Fruit pickers are also covered as long as you don't use machinery.

If you are not sure, then we recommend contacting Avanti to check.

 

13

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

The policy is not specific, but we would assume that proof of ownership or a receipt will be required to substantiate any claim

14

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

War, Invasion, acts of foreign enemies and Terrorism are in the list of general exclusions.

However in the event of war, you would still be covered for any claims relating Medical Expenses, personal accident and Medical Inconvenience Benefit.

In respect of Terrorism you are covered for all sections of the policy except cancellation, personal liability, Mugging, Legal expenses and withdrawal of services.

This is unusually wide cover for these types of circumstances.

15

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

Yes but only if you opt for classis or deluxe cover, which provides up to £500 or £750 respectively, to cover additional accommodation or assistance with repatriation, in the event of a natural disaster or catastrophe.

Important Note: The deluxe policy also covers delayed departure in the event of an Ash Cloud.

16

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

Yes you must be a UK resident and have lived in the UK, Isle of Man or Channel Islands for at least six out of the last twelve months.

Avanti 's 'User Friendly' Rating

That's Insurance have reviewed Avanti '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 Avanti 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

Pro's and Con's for Avanti Travel Policies

We've highlighted Pro's anc Cons for Avanti , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Avanti Travel Insurance.

  • Wintersports cover is available up to the age of 70
  • Excellent levels of cover including the Deluxe policy which has been awarded our four star rating
  • All medical conditions considered and medical screening available during the quotation process
  • Wide cover in respect of claims due to terrorism
  • The policy does not automatically cover you for Scuba Diving

What Cover do Avanti policies offer.

We've listed below cover levels for policies offered by offered by Avanti Travel Insurance 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

    Deluxe

    Single Trip

    Classic

    Single Trip

    Essential

    Single Trip

    Essential

    Annual

    Classic

    Annual

    Deluxe

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    75

    150

    150

    75

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    5,000,000

    5,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    6,000

    1,000

    1,000

    6,000

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    30,000

    25,000

    15,000

    15,000

    25,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    5,000

    2,500

    1,000

    1,000

    2,500

    5,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    300

    200

    200

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    300

    200

    200

    300

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    600

    500

    300

    300

    500

    600

  • 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

    30,000

    25,000

    15,000

    15,000

    25,000

    30,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    1,000

    1,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    1,000

    1,000

  • 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

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    300

    0

    0

    300

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    100

    0

    0

    100

    150

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    1,000

    0

    0

    1,000

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    150

    150

    0

    0

    150

    150

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,500

    2,500

    0

    0

    2,500

    2,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    750

    500

    0

    0

    500

    750

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    200

    200

    0

    0

    200

    200

  • Concierge Cover
    Concierge 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

  • Mugging
    Mugging Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    Y

    Y

    N

    N

    Y

    Y

Sample Quotes from Avanti Travel Insurance.

Listed below are some Sample Quotes offered by Avanti Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 18 - 29

Trip Days: 14

Avanti  Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

150

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 60 - 64

Trip Days: 14

Avanti  Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

150

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 21

Avanti  Travel Insurance Review
That's Insurance Rating

Customer Rating

Classic

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Couple

Age: 30 - 39

Trip Days: 365

Avanti  Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

150

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 365

Avanti  Travel Insurance Review
That's Insurance Rating

Customer Rating

Classic

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 30 - 39

Trip Days: 365

Avanti  Travel Insurance Review
That's Insurance Rating

Customer Rating

Deluxe

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 150

Baggage 5,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 30,000

How to Buy Travel Insurance from Avanti Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

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Customer Reviews of Avanti Travel Insurance

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