Barclays Travel Insurance Review

Barclays  Travel Insurance Review

Barclays Travel Insurance Review

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I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Barclays Travel Insurance plus compare prices and cover on the same site.

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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 Barclays and who underwrites their policies?

**** PLEASE NOTE BARCLAYS BANK NO LONGER OFFER ONLINE TRAVEL INSURANCE ****

**** CLICK HERE TO COMPARE OTHER TRAVEL INSURANCE POLICIES ****

Barclays Bank is a well known UK Banking Organisation. Utilizing their popular brand to offer additional products, including Travel Insurance. Barclays Travel Insurance is administered by FirstAssist Insurance Services now called Cigna Insurance services. Cigna manages Insurance products for many of the largest UK Brands. This is known as ""White labelling"" Barclays travel policies are also underwritten by the CIGNA Europe Insurance Company SAV, who are registered in Belgium.

Barclays Travel Insurance Policies are Underwritten By Cigna Insurance Services (Europe)

How Barclays 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 Barclays Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Barclays Travel Insurance, they are Standard, we have rated these as follows:-

Rating for Single Trip Standard:

Single Trip Travel Insurance Guide here
Barclays Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Barclays Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Barclays Travel Insurance, they are Standard, we have rated these as follows:-

Rating for Annual Standard:

Annual Travel Insurance Guide here
Barclays Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Barclays 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 Barclays Travel Insurance's travel policy wording

1

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

The Barclays travel insurance policy booklet classifies a child as those persons under the age of 16 or under the age of 23, and in full time education.

2

What are the policy age limits?

  • The Barclays single trip policy has no upper age limit.
  • The Barclays annual travel policy is limited to those under the age of 85.

3

What are the policy Trip Duration limits?

The single trip policy allows a maximum duration of 185 days.

The annual multi trip policy allows unlimited trips throughout the policy year, providing each trip is no more than 31 days in total.

If you are under the age of 65, you do have the option (subject to payment of an additional premium to extend the length of each trip from 31 days, to 45, 60, or 90.

You can also lower the maximum number of days to 24 and this will have the effect of reducing the premium.

4

What does the policy offer for Winter Sports cover?

You are able to include cover for winterports under both single and annual policies, providing you are under the age of 65. In respect of annual policies the maximum number of days skiing is restricted to 21 days.

The policy provides up to £1,000 for ski equipment (single article limit £250). Ski hire £500, Ski Pack £400, Piste Closure £30 per day up to £300 and Avalanche delay up to £500.

The cost for a 35 year old travelling to Austria for seven days, including cover for wintersports would be £34.74.

The policy provides a small list of acceptable wintersport activities, these are

  • On piste skiing or snowboarding on piste
  • Off-piste skiing or snowboarding where
    accompanied by a qualified guide or
    instructor
  • Cross country skiing on recognised routes
    and with a guide
  • Ski racing arranged by ski schools for their
    pupils
  • Sledging

Anything else is not covered, but you can call them, to confirm if cover would be provided.

 

5

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

A policy can be taken out by one individual, a couple (civil partners or partners) who have been living together for more than six months, a single parent or two parent family and up to 6 children belonging to you (including legally adopted or fostered children)

Dependent children are only insured when travelling with an adult that is also covered under the same policy.

Barclays do not allow more than one individual to be covered under the same policy.

 

6

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

If you are travelling to the EU, EEA or Switzerland, Barclays strongly advise you to apply for a European Health Insurance Card, so that you can take advantage of reciprocal schemes from those countries and ultimately reduce medical expense claims.

The situation in Australia is similar, accept you should enrol in the MEDICARE program once you have obtained medical treatment.

 

7

What is covered under Sports and Activities on the policy?

The Barclays travel policy covers 33 activities as standard, for which you are automatically covered. The policy lists a further 31 pursuits, wihch you are also covered for, provided they are professionally organised and supervised and you wear appropriate safety equipment and take the relevant safety precautions.

The policy also lists activities specifically excluded. Check the policy for a full breakdown.

8

What are the policy Alcohol Exclusion terms?

The Barclays policy excludes cover for any form of alcohol abuse, including alcohol withdrawal, or drinking too much, where it is reasonably foreseeable that such consumption could result in a serious impairment of your faculties and/or judgement, resulting in a claim.

Barclays do not expect you to avoid alcohol altogether, but do expect you to be sensible and not drink so much that your judgement is seriously affected and you need to make a claim as a result

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Barclays will pay the cost of a replacement flight, in the event that the scheduled airline becomes insolvent. It only covered those flights booked in the UK and through a bonded travel agent or direct with the scheduled airline.

10

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

All medical conditions must be declared to Barclays. Medical conditions can be declared online as you are going through the quotation process, making it possible to get accurate quotes for the majority of medical conditions, without the need to phone Barclays direct.

Read our handy guide on Taking Medication Abroad.

11

What are the policy rules on travelling when pregnant?

There is no cover under the Barclays policy if you travel whilst pregnant and the pregnancy has exceeded the 28 weeks period.

12

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

The Barclays Travel policy does cover manual work, provided it is at ground level and does not involve machinery.

13

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

Barclays state in the policy that they reserve the right to refuse to reimburse you for any expenses for which you cannot provide receipts or bills. If also states that keeping receipts will help substantiate any claim.

14

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

If you are accidentally caught up in a terrorist attack whilst visiting a foreign country, the policy will cover you for any medical and repatriation costs. Also if the Foreign Office has advised against travel due to a terrorist incident, the sections cancellation and abandonment of your holiday are also covered.

15

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

The policy does provide cover for substitute accommodation and transport costs as a result of, insolvency, and natural disasters, however this cover only applies to those customers who have not booked as part of a package holiday.

16

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

This policy is only available to those permanently resident in the United Kingdom

Barclays 's 'User Friendly' Rating

That's Insurance have reviewed Barclays '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 Barclays 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 Barclays Travel Policies

We've highlighted Pro's anc Cons for Barclays , 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 Barclays Travel Insurance.

  • Benefit from a 20% discount for taking out a policy online.
  • Medical Expenses sum insured is unlimited
  • Excellent cover and a four star rated policy
  • Online underwriting of pre existing medical conditions at the point of sale
  • The default quote only covers minimal baggage and cancellation as standard. Don't forget to manually increase the sums insured yourself

What Cover do Barclays policies offer.

We've listed below cover levels for policies offered by offered by Barclays 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

    Standard

    Annual

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    Unlimited

    Unlimited

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,000

    7,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    3,000

  • 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

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    750

    750

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    4,000

    4,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    125

    125

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    750

    750

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,500

    1,500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

  • 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

    Y

    Y

Sample Quotes from Barclays Travel Insurance.

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

Top Picks

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Primary Cover

Guide Price

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How to Buy Travel Insurance from Barclays Travel Insurance

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Customer Reviews of Barclays Travel Insurance

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