Big Blue Cover Travel Insurance Review

Big Blue Cover Travel Insurance Review

Big Blue Cover Travel Insurance Review

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

Our review of Big Blue Cover will highlight:
  • Who are Big Blue Cover and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Big Blue Cover rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Big Blue Cover policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Big Blue Cover and who underwrites their policies?

Big Blue cover is another trading style of Rock Insurance Group who also own Insurefor.com and MRL Insurance.

Rock Insurance do have a long record of experience in the travel insurance market place, founded in 2001, with a goal to provide the travel sector with better policies. They have insured in excess of 1 million customers since their launch ten years ago. The Big Blue cover policies are underwritten by Europ Assistance SA, a French Corporation, created in 1963 with more than 300 million customers worldwide and regulated by the French Insurance code. Europe Assistance (Irish Branch) are regulated by the ACPR (Autorite de Controle Prudentiel et de resolution).

Big Blue Cover Travel Insurance Policies are Underwritten By Europ Assistance SA

How Big Blue Cover have been ranked using our star rating formula. Big Blue Cover Star Ratings

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 Big Blue Cover.

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Premier, Standard, Economy, we have rated these as follows:-

Thats Insurance Rating for Premier:

Thats Insurance Rating for Standard:

Thats Insurance Rating for Economy:

Single Trip Travel Insurance Guide here
Big Blue Cover Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Big Blue Cover Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 3 Annual Policies, they are Economy, Standard, Premier, we have rated these as follows:-

Thats Insurance Rating for Economy:

Thats Insurance Rating for Standard:

Thats Insurance Rating for Premier:

Big Blue Cover Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Big Blue Cover Travel Insurance Review

Big Blue Cover Travel Insurance

Big Blue Cover's 'User Friendly' Rating

That's Insurance have reviewed '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 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

16 Key Points you need to know about Big Blue Cover's travel policy wording

1

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

Your dependents who are under the age of 18 and in full time educationand residing at home.

2

What are the policy age limits?

At time of purchase:-

85 or under for Single Trip (at the date of purchase of the insurance).

74 or under for Multi Trip (at the date of purchase of the insurance).

64 or under if you require Winter Sports add ons.

3

What are the policy Trip Duration limits?

Trip Duration for Single Trip is up to 365 days if you are aged up to 74 years, reducing to 31 days if you are 75 or over. Annual Trip, Trip Duration is a maximum of 32 days per trip.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added to your premium for the entire duration of your Single Trip, or a Maximum of 14 days on your Economy Cover Annual Trip, increasing to 18 days on your Standard or Premier Cover Annual Trip.

5

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

Group - up to 12 individuals. Although there are no group discounts for insuring multiple individuals. 

A family policy is for the main insured person, his/her spouse, Civil Partner or Common Law Partner, and up to four of their dependent children under 18 years of age (in full-time education and residingwith them). For annual multi-trip policies, each insured adult can travel independently. All members of the family must live at the same address.

6

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

EHIC mandatory, if travelling to the EU. You must enrol in Medicare if travelling to Australia

7

What is covered under Sports and Activities on the policy?

Sports and Activities are split into 4 Categories (A to D) There are approximately 30 activities included as standard, conditions of cover and any exclusions are listed as Conditions beside the activity.  You can add Categories B-D with the payment of an additional premium and, for example, if you purchase Category D, you are covered for all preceding Categories.

It is important that you check the list of activities 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 the Insurer shall not be responsible claims where “your suicide, deliberately injuring Yourself, being under the influence of alcohol or drugs (unless prescribed by a doctor), alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless You are trying to save someone’s life). “

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Not Covered under this any Policy

10

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

Many Pre-existing conditions are covered free of charge under this policy, if you check their policy wording document, you will find these on page 2. Other pre-existing medical conditions require completing a Medical Screening, to do this you need to call them on 0345 658 0329.

11

What are the policy rules on travelling when pregnant?

Defined on page 2 of the Policy Wording Document, detailing Covered Medical Conditions, as “Pregnancy (provided no complications and not travelling less than 8 weeks or (16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date).

Also detailed on page 5, as “Cover under this policy is provided for unforeseen events. In particular, cover is provided under Section 1 for unforeseen bodily injury or illness. Pregnancy and childbirth are not considered to be either an illness or injury. Cover is ONLY provided under Sections 1 3, 4 and 5 of this policy for claims arising from complications of pregnancy and childbirth.”

12

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

Manual Work of any kind is specifically excluded under the policy, though under exclusions Bar Work and Nursing are not considered Manual Work.  The policy defines Manual Work as “Physical labour involving the use of tools or machinery or exposure to risk that could give rise to Your bodily injury or illness (nursing and bar-work are not considered to be manual work).”

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

13

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

Receipts are required in the event of a claim. Therefore, we strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. 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?

You are not covered as standard in respect of any act of terrorism, however this can be added with the payment of an additional premium.   This includes Cyber Terrorism.   For a full description of the definition, please refer to page 10 of their Policy Wording that has a lengthy description of this Optional Cover.

15

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

Not Covered under this policy.

16

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

This policy is only available to UK Residents, registered with a GP in your home county.

Pro's and Con's for Big Blue Cover

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 Big Blue Cover.

  • The Premier policy has been given a four star rating and has competitive premiums for the cover provided
  • The option to include extended cover against terrorism and cyber terrorism
  • No online underwriting for pre existing medical conditions
  • No cover for airline failure, end supplier failure or natural disasters

What Cover do Big Blue Cover policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Big Blue Cover and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Premier

    Single Trip

    Standard

    Single Trip

    Economy

    Single Trip

    Economy

    Annual

    Standard

    Annual

    Premier

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    50

    175

    175

    50

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    15,000,000

    15,000,000

    15,000,000

    15,000,000

    15,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    2,500

    1,250

    1,000

    1,000

    1,250

    2,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    10,000

    5,000

    5,000

    10,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    150

    100

    100

    150

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    150

    100

    100

    150

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    400

    300

    300

    400

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    7,500

    5,000

    5,000

    7,500

    10,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    3,000

    0

    0

    0

    0

    3,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    350

    250

    150

    150

    250

    350

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    75

    50

    50

    75

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    100

    0

    0

    100

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    150

    100

    100

    150

    150

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    150

    150

    100

    100

    150

    150

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • 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

Optional Cover toggle

  • Natural Disaster
    Natural Disaster 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

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

    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 Big Blue Cover.

Listed below are some Sample Quotes offered by Big Blue Cover (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Couple

Age: 71 - 75

Trip Days: 21

Big Blue Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

175

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 1,000

Missed Departure 100

Delayed Departure 100

Baggage 2,000

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000

Single Trip

Worldwide

Couple

Age: 76 +

Trip Days: 7

Big Blue Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

0

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 2,500

Missed Departure 150

Delayed Departure 150

Baggage 2,000

Personal Accident 25,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 65 - 70

Trip Days: 21

Big Blue Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

0

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 2,500

Missed Departure 150

Delayed Departure 150

Baggage 2,000

Personal Accident 25,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 365

Big Blue Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

175

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 1,000

Missed Departure 100

Delayed Departure 100

Baggage 2,000

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

Big Blue Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 1,250

Missed Departure 150

Delayed Departure 150

Baggage 2,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 7,500

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

Big Blue Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

0

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 2,500

Missed Departure 150

Delayed Departure 150

Baggage 2,000

Personal Accident 25,000

Personal Liability 1,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from Big Blue Cover

Visit Big Blue Cover's Website and Get a Quotation direct

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