Big Cat Travel Insurance Review

Big Cat Travel Insurance Review

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With the Brexit deadline almost upon us and the current coronavirus pandemic, 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 Big Cat 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 Big Cat Travel Insurance

Big Cat Travel Insurance review updated 18th March 2019 by Maureen Juniper

Big Cat Travel Insurance is a trading name of Flynow.com Ltd and an independently owned business set up by Costas Voutiras, who has over 25 years experience in the travel industry.

Big Cat allow you to choose from Single Trip or annual multi-trip, one way trips and even if you are already travelling.

There are three levels of cover, budget, standard and premier. Insurance is available to any one residing in a European Country (excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine.

How to Buy Travel Insurance from Big Cat Travel Insurance

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

How Big Cat 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 Big Cat Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Big Cat Travel Insurance. They are - Premier - Standard - Budget. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Budget:

Big Cat Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Big Cat Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Big Cat Travel Insurance. They are - Standard - Premier. We have rated these as follows:-

Rating for Annual Standard:

Rating for Annual Premier:

Big Cat Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Big Cat 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 Big Cat Travel Insurance's policy wording

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

Children are classified as those aged 18 or under (21 or under if in full time education). Children are covered free of charge under annual multi trip policies.

2. What are the policy age limits?

To be eligible for Standard or Premier cover, you must be under the age of 70. To be eligible for the budget cover, you must be under the age of 51.

Budget cover is not available as a annual multi-trip policy.

3. What are the policy Trip Duration limits?

The single trip policy may be taken out for up to 24 months.

The annual multi trip policy allows for unlimited trips. Each trip is restricted to a maximum of 30 days in respect of the standard policy and 70 days in respect of the Premier policy.

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

Up to four persons can insure themselves on one policy, either as individuals or a family of up to two adults and two children.

5. What are the options for Winter Sports cover?

Winter Sports can be added as an option (subject to payment of the correct additional premium).

The winter sport section covers Cat skiing, Cross country skiing, Off piste skiing / snowboarding, Snow skiiing, Snowboarding, and Snow mobiling.

Cover excludes the participating in ski-racing, ski-jumping, ice hockey, freestyle winter sports or the use of bob sleighs or skeletons. Random off piste winter sports activities will only be insured if you are with a qualified instructor or in a group of not less than 3 persons in possession of working communications or portable telephones. No cover for winter sports activities against local authority advice.

In terms of how long you can take part in winter sports, the website is a little confusing. Under the annual policy, you have the option for 14 days cover. However under the single trip policy, you have the option of 14 non consecutive days, 28 non consecutive days, 56 non consecutive days, or unlimited (for the duration of the policy ), which seems a bit strange. (why would you want to cover yourself for 14, 28, 56 days if you are only taking a trip lasting 7 days). I would recommend checking with the Insurer direct for clarification.

6. What are the options for Gadget Cover?

Valuables under the baggage section does not include mobile phones and there is no option to include these under the policy.

7. What are the options for Cruise Cover?

There is no option to extend cover if you are planning to take a cruise.

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

Sports and activities are split into four sections. Standard 64 different sports and activities, automatically covered under the Big Cat Policy.

The "Activity Pack" which covers an additional 46 higher risk activities, such as Jet skiing, Kayaking and Tandem Sky diving. The "Extreme Activity Pack", a further 10 extreme activities to satisfy any adrenaline junkies Paragliding, Parascending and trekking over 4500 metres.

Finally there is an option, for anyone intending to trek in Nepal up to 7,000 metres altitude. This includes helicopter mountain medical rescue (subject to an excess of £1500). This option is only available to those under the age of 60.

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

The European Health Insurance Card is recommended and if any medical expense claim is reduced as a result of reciprocal arrangements, the Insurer will waive any relevant excess.

If you require medical treatment whilst visiting Australia, you must enrol in medicare, this will entitle you to benefit from reciprocal arrangements between the UK and Australia.

10. What are the policy Alcohol Exclusion terms?

Unfortunately the Big Cat policy has a very wide alcohol wording. It excludes any claim caused by the effects of alcohol.

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

All three policies cover end supplier failure up to £1,000.

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

The Big Cat policy excludes any pre-existing medical condition with exception to a small list of minor complaints that are listed in the policy wording and automatically covered.

It is not possible to obtain a quote online to include pre-existing conditions, you would need to phone the medical screening helpline to obtain terms.

The definition of a pre-existing medical condition is

A Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed medication).


B Any psychiatric or psychological condition (including anxiety, stress and depression); for which you have suffered from or received medical advice or treatment for or been prescribed medication for in the last 5 (five) years.


C Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or are prescribed medication.

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

Claims relating to normal pregnancy, where there is no accompanying bodily injury, illness, disease or complication, are not covered under the Big Cat Travel policy.

Cover can only be considered where there is a complication of pregnancy or if you were unaware of the pregnancy at the time of purchasing the insurance or booking a trip (whichever is later) and you are advised not to travel by a doctor. A list of acceptable complications are listed in the policy booklet.

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

The policy will cover business travel but excludes cover for persons permanently residing overseas, work of a predominantly manual nature (other than volunteering and permitted manual work if the appropriate ‘Activity pack’ premium has been paid)

The standard activity pack covers non manual/clerical work. The paid activity pack option includes permitted manual work, which is described as fruit picking, farm work or bar work, providing it does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools.

15. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

The policy states that you must produce receipts or other evidence to support value and ownership where possible.

In the event you are claiming for an item valued over £100, if you cannot provide satisfactory proof, then the Insurer's liability will be limited to a maximum of £100. You must always produce receipts if you need to claim for a specified item.

Claims for loss, theft or damage to spectacles or sunglasses are limited to £150 per pair.

Important point to note that Baggage cover is not included automatically and you must make sure you add it in the options section of the quote.

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

The Big Cat Travel policy excludes any claim as a result of terrorism or cyber terrorism.

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

There is no cover for catastrophe or natural disaster under the policy.

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

The policy states that you must reside within a European country, (excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine).

Please note cover under the Section End Supplier Failure is restricted to UK residents only

If you are a Northern Ireland resident travelling from the Republic of Ireland, cover will allow you to depart from and return to the Republic of Ireland.

19. What about the Policy Wording?

The Big Cat Travel Insurance policy is only 28 pages long. The contents are nicely listed, together with a table of benefits. Navigating around is quick and I actually found it surprisingly easy to read and understand for such a relatively simple document.

There is no waffle, all the information required is there in a plain and simple language.

20. Are they on Comparison sites such as Confused.com or CompareTheMarket.com?

Big Cat Travel Insurance are not on any comparison websites.

21. What do reviews from customers say?

Feefo have 275 reviews and the vast majority are pleased with the service by a relatively small company, being awarded 4.7 out of 5.

22. Overall Summary

Big Cat offer a good set of mid range travel insurance policies, if you are looking for no frills and average levels of cover. They have some unique selling points, Firstly that travel insurance is available to anyone living in the European Union, and not just the UK.

Secondly they offer cover to those intrepid travellers who wish to go trekking in Nepal up to 7,000 metres.

Thirdly, they offer one way travel insurance, or cover if you have already left and forgotten to take out insurance.

Some customers appear to have found the lack of online medical underwriting frustrating, having to phone up to find out how much extra is going to be charged.

Big Cat Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on big-cat-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 Big Cat 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 Big Cat Policies

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

  • Premier Annual Policy allows trips of up to 70 days
  • Travel Insurance available to anyone living in Europe (see terms and conditions)
  • End Supplier Failure cover as standard on all policies
  • Option to include cover for trekking in Nepal up to 7,000 metres
  • Cover is available for one way trips, or if you have already left and forgotten insurance.
  • No online underwriting of pre-existing medical conditions
  • Wide alcohol exclusion wording
  • Baggage is not included as standard

What Cover do Big Cat 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

    Premier

    Single Trip

    Standard

    Single Trip

    Budget

    Single Trip

    Standard

    Annual

    Premier

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    35

    70

    150

    70

    35

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    2,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,000

    0

    2,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    5,000

    2,000

    0

    2,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    15,000

    10,000

    15,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,500

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    200

    100

    200

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    350

    300

    200

    300

    350

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    350

    200

    350

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    1,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    10,000

    7,500

    10,000

    15,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    500

    350

    200

    350

    500

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    15,000

    10,000

    15,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    350

    200

    350

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    300

    200

    200

    200

    300

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    7,500

    7,500

    7,500

    7,500

    7,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    120

    75

    120

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    0

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    300

    300

    0

    300

    300

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    3,000

    3,000

    0

    3,000

    3,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    500

    350

    200

    350

    500

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

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

    Y

    Y

    Y

    Y

    Y

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

Sample Quotes from Big Cat Travel Insurance.

We are currently Awaiting Details of quotes for this provider.

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