Aviva Travel Insurance Review

Aviva Travel Insurance Review

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With worldwide pandemics an the increasing possibility , 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 Aviva 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 Aviva Travel Insurance

Aviva was founded in 1797, then known as Norwich Union. The company merged with General Accident and Commercial Union (known as CGU) in 2000. In June 2009 the company was completely rebranded and called Aviva, which is how it is known today. Aviva are one of the largest and best known UK Insurers. All policies are underwritten by Aviva, who also underwrite policies for First Direct and HSBC Travel Insurance.

Aviva have two policies the single trip and the annual multi trip, both have been awarded four stars from us. Single trips start from as little as £12 and annual policies from £38. Not only do you get to choose a top policy, but you get the backing of a top Insurer. 

Read our review, the sixteen important points we feel you should know about and the 32 page Aviva policy booklet, before making any decision about your travel insurance.

How to Buy Travel Insurance from Aviva Travel Insurance

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

How Aviva 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 Aviva Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Aviva Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Single Trip Standard:

Aviva Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Aviva Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Aviva Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Annual Standard:

Aviva Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Aviva 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 Aviva Travel Insurance's policy wording

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

Children are classed as those under the age of 16.

2. What are the policy age limits?

At time of purchase:-

Age 80 or under for Single Trip Policies

Age 75 or under for Annual Multi Trip Policies.

3. What are the policy Trip Duration limits?

Trip Duration Limits for Single Trip are 120 Days. Annual multi-trip insurance covers any number of trips of up to 31 days each, with an option to increase the maximum trip length to 45, 60 or 90 days.

4. What are the options for Winter Sports cover?

If you choose the optional winter sports cover then you will have the opportunity to try out 11 different pursuits, that are automatically covered under the policy.

Important Note Cover is not mentioned in the policy document, You will need to read the optional covers terms and conditions booklet for more information.

The option is available on both single trip and annual trip policies. Winter sports Cover is restricted to 31 days in total under the annual travel policy.

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

A policy may be taken out by up to nine individuals, for which excellent premium discounts are offered.

Family members are all treated as individuals and quoted as such, the only restriction being that travellers under the age of 16 must be accompanied by an adult named on the policy schedule.

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

EHIC not Mandatory but strongly advised when visiting the EU.  If travelling to Australia you must enrol with Medicare if you are requiring treatment.  Any costs that can be recovered under these schemes will not be claimable.

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

There are approximately 80 activities covered as standard under this policy, some activities have conditions attached.  Any exclusions for Personal Liability or Personal Accident are shown as ticked next to that activity.

It is important that you check the list of activities excluded, 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 will not be covered “your misuse of alcohol or drugs or your consumption of alcohol or drugs (other than drugs taken under medical supervision and not for treating alcohol or drug addiction) to an extent which causes immediate or long-term physical or mental harm, or where your judgement is affected causing you to take actions you would not usually take; or any exacerbation of an accepted medical condition caused by your misuse of alcohol or drugs.”

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

Not Covered under this Policy

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

Pre-existing medical conditions are not covered by this Insurance Provider, unless you have fully declared these via the medical screening process.  You can do all of this online and its very important that you declare every condition and this is accepted by the insurer.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit. If you are not sure about taking medication abroad with you, read our comprehensive guide for more information

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

The Policy does not detail conditions relating to pregnancy, we would therefore suggest if you are travelling while pregnant, that you contact the Insurance Provider for clarification.

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 this policy, however you are allowed to do Charity or Conservation work using hand tools only, this is specified in the activities section and should not be the main reason for travel.  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. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

Receipts will be required to validate your claim.  Therefore, 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. Also excluded any consequence whatsoever resulting from “war, invasion; act of a foreign enemy; hostilities or war like operation or operations (whether war has been declared or not); civil war, revolution, rebellion or insurrection; civil commotion which is of such severity or magnitude that it can amount to, or be likened to an uprising; military power (even if properly authorised by the duly elected government);usurped power; or any action taken to prevent, control or supress, or which in any way relates to the event.

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

Covered up to £750 for each insured person as standard, only if your accommodation was booked directly with the provider. However there is the option to include extended travel distruption cover which provides comprehensive cover against catastrophe and natural disasters.

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.

Aviva Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on aviva-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 Aviva 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 Aviva Policies

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

  • Purchase online and receive a 10% discount
  • Aviva is one of our top rated three star policies
  • Up to 31 days consecutive wintersports cover under the annual multi-trip policy as standard
  • Excellent discounts for up to nine persons insuring under the same policy
  • Online medical underwriting available for any pre existing medical issues
  • No cover against schedule airline or end supplier failure
  • Cover for baggage is not automatically included, remember to click to add if it is required
  • Up to 31 days winter sports cover under the annual multi-trip policy as standard

What Cover do Aviva 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

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    400

    400

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    50,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    250

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    750

    750

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

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

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

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

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

Aviva Travel Insurance

Sample Quotes from Aviva Travel Insurance.

Listed below are some Sample Quotes offered by Aviva Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 7

Aviva  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 250

Baggage 1,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 65 - 70

Trip Days: 21

Aviva  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 250

Baggage 1,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Family

Age: 30 - 39

Trip Days: 365

Aviva  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 250

Baggage 1,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 50 - 59

Trip Days: 365

Aviva  Travel Insurance Review
Product Rating

Experience Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 250

Baggage 1,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Aviva Travel Insurance