Benenden Travel Insurance Review

Benenden  Travel Insurance Review

Benenden 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 Benenden 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 Benenden and who underwrites their policies?

Based in Bristol, Benenden are a group of similar organisations providing a range of different products that share the same powerful ethos. The Benenden Healthcare Society Limited is a mutual company, founded in 1905. The group provide a range of healthcare services to a membership of nearly a million people. Choose from three levels of cover to fit your holiday needs.

Travel Insurance is a part of their business and is arranged and administered by Insure and Go Insurance Services Ltd. Insure and Go are a wholly owned subsidiary of MAPFRE Asistencia. The policies are also underwritten by MAPFRE Asistencia.

Benenden Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Benenden 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 Benenden Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Benenden Travel Insurance, they are Gold, Silver, Bronze, we have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Single Trip Travel Insurance Guide here
Benenden Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Benenden Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Benenden Travel Insurance, they are Bronze, Silver, Gold, we have rated these as follows:-

Rating for Annual Bronze:

Rating for Annual Silver:

Rating for Annual Gold:

Annual Travel Insurance Guide here
Benenden Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Benenden 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 Benenden Insurance's travel policy wording

1

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

Children are classed as those aged under 18 years of age and in full-time education or living with their parents.

2

What are the policy age limits?

Benenden have two separate quotations depending on your age. One for travellers aged 65 and under and one for travellers aged 66 and above with no upper age limit.

This is the same in respect of the annual multi-trip policy.

 

3

What are the policy Trip Duration limits?

The benenden policy allows you to take out a single trip policy for up to 12 months (365 days). This is the same for any age.

The annual policy does have resrictions. Whilst you can take as many trips as you like during the policy year, each trip can last no longer than 31 days in respect of bronze and silver cover and 45 days for gold cover.

If you are aged 70 years and above, the trip duration is restricted to 31 days per trip.

4

What does the policy offer for Winter Sports cover?

Benenden provide cover for up to 10 days for winter sports during the term of your policy for Bronze cover, or 24 days if you have arranged Silver or Gold cover.

The Winter sport section covers 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.

5

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

Both policies can be taken out by a single person, couples and families, including children. The quotation system allows quotes for two adults and up to up eight children. However the policy states it will allow up to six children to travel free of charge per adult.  Any more than that and they would have to pay an adult rate.

The policy also allows up to groups of ten persons who are not related to insure themselves under one policy, provided all members of the group are travelling together. There are no premium discounts for groups.

Everyone on an annual multi-trip policy is entitled to travel independently, but children under 18 who travel alone must be dropped off and collected by a responsible adult aged 18 or over.

6

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

Benenden state you must obtain an EHIC card prior to travelling to a country who is a member of the European Union. If you need to claim for medical costs and they are reduced as a result of the card, the excess under the medical expenses section will be waived.

If travelling to Australia or New Zealand you must ensure you enrol with MEDICARE or the equivalent in that country.

7

What is covered under Sports and Activities on the policy?

The policy lists over 90 acceptable sporting and leisure activities which are automatcially covered. Pursuits like trekking up to 6000 metres and jet skiing (see policy for a complete list). Whilst there is no additional premium to pay  as standard, some of the activities do exclude personal liability and accident cover.

Whilst the standard list is comprehensive, you can opt to include additional sports and leisure activities. There are a further 50 pursuits that can be included with payment of an additional premium, things like Scuba diving down to 50 metres, shark diving in a cage or sky diving to name just three. Personal Liability and accident is excluded and in some cases there is an increased excess.

8

What are the policy Alcohol Exclusion terms?

The policy excludes claims for you drinking too much alcohol, alcohol abuse or alcohol dependency.

Benenden do not expect you to avoid alcohol on your trips or holidays, but will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result (e.g. any medical claim where in the opinion of the treating doctor, excessive alcohol consumption has caused the illness or injury).

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

The bronze, silver and gold policies automatically cover Scheduled Airline failure cover. The gold policy also covers end supplier insolvency as well.  This section does not cover losses in respect of flights associated with a package holiday.

10

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

The Bronze policy does not provide cover for any medical problems. The silver and gold policy also exclude pre-existing medical conditions, except that you are able to obtain a quote online by answering their medical screening questions.

You still have the option to contact them by phone to discuss your requirements.

11

What are the policy rules on travelling when pregnant?

The policy only covers complications of pregnancy and provides a list of what constitutes a complication (please read the policy for more details)

12

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

The policy excludes manual labour as standard (manual labour is described as work that is physical) However this does not included bar and restaurant staff, musicians, singers and fruit pickers (who do not use machinery)

There is however an option to include cover for manual labour. One of the activities listed under the additional sports and leisure activties section is  manual labour (at ground level, no machinery), subject to payment of an additional premium.

13

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

If you are unable to provide proof of ownership or purchase, Benenden reserve the right to apply a 10% deduction to any item with a value over £100. This would be in addition to any deductions for age, wear and tear etc.

14

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

Terrorism is not specifically mentioned in the policy, however it does state they will not pay claims, where any person acts for political, religious or ideological reasons and the event leading to the claim happens before you leave the UK.

15

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

Cover against natural disasters can be added as an optional extra. This section covers the additional costs of delayed departure, missed departure and additional or replacement accommodation as result of a natural disaster or catastrophe.

16

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

You must have lived in the UK or Channel Islands for at least six of the last twelve months before you purchased a policy.

Benenden 's 'User Friendly' Rating

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

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

  • Comprehensive list of sporting and leisure activities included as standard
  • Online medical screening of any pre-existing medical conditions
  • Benenden have two different quote systems depending on your age
  • If there is more than one person travelling make sure you check the total price, not the Price Per Person quoted

What Cover do Benenden policies offer.

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

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    60

    75

    75

    60

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    10,000,000

    5,000,000

    5,000,000

    10,000,000

    15,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    3,000

    1,000

    1,000

    3,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    20,000

    10,000

    10,000

    20,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,500

    1,500

    1,500

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    200

    100

    100

    200

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    200

    100

    100

    200

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    200

    200

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    15,000

    10,000

    10,000

    15,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,000

    1,000

    1,000

    1,000

    1,500

  • 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

    100

    100

    50

    50

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    400

    300

    100

    100

    300

    400

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    500

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    200

    0

    0

    200

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    0

    0

    0

    0

    1,500

  • 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

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    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

    N

    N

    N

    N

    N

    N

Sample Quotes from Benenden Insurance.

Listed below are some Sample Quotes offered by Benenden 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: 30 - 39

Trip Days: 7

Benenden  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 300

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Europe

Family

Age: 50 - 59

Trip Days: 21

Benenden  Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide

Family

Age: 30 - 39

Trip Days: 7

Benenden  Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 50 - 59

Trip Days: 365

Benenden  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 400

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 76 +

Trip Days: 365

Benenden  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 300

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide

Individual

Age: 76 +

Trip Days: 365

Benenden  Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from Benenden 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.

Current Discount Codes for Benenden - No Current Discount Codes

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Customer Reviews of Benenden Insurance

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