British Airways Travel Insurance Review

British Airways Travel Insurance Review

British Airways 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 British Airways 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 British Airways will highlight:
  • Who are British Airways and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how British Airways 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 British Airways 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 British Airways and who underwrites their policies?

British Airways is a full service global airline, offering year round fares through an extensive network of routes.British Airways have partnered up with a company called Columbus Direct (part of the Collinson Group ), who have managed Travel Insurance for various companies since their inception in 1988.

As well as managing British Airways travel insurance, Columus Direct have their own scheme which you can review here.  

They are authorised and regulated by the FCA (Financial Conduct Authority).BA's travel policies are arranged by Columbus Direct and underwritten by Collinson Insurances services ltd on behalf of ERV Europaische Reiseversicherung AG and ERGO a german company based in Munich.

British Airways Travel Insurance Policies are Underwritten By ERV

How British Airways have been ranked using our star rating formula. British Airways 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 British Airways.

Single Trip Policy Ratings Click to Expand

There are 2 Single Trip Policies, they are Deluxe, Value, we have rated these as follows:-

Thats Insurance Rating for Deluxe:

Thats Insurance Rating for Value:

Single Trip Travel Insurance Guide here
British Airways Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
British Airways Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 2 Annual Policies, they are Value, Deluxe, we have rated these as follows:-

Thats Insurance Rating for Value:

Thats Insurance Rating for Deluxe:

British Airways Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

British Airways Travel Insurance Review

British Airways'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 British Airways's travel policy wording

1

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

The Travel Insurance website BA describes a child as dependent, permanently residing with you, being under the age of 18 and in full time education.

2

What are the policy age limits?

  • The single trip policy has an age limit of 79 years and under at the date of travel.
  • The annual travel policy also has an age limit of 79 years and under at the date of travel.

3

What are the policy Trip Duration limits?

  • The British Airways single trip policy can be taken out for up to a maximum of 186 days
  • The British Airways annual travel policy allows for unlimited trips, provided each trip lasts no longer than 31 days.

4

What does the policy offer for Winter Sports cover?

Both single trip and annual trip policies have the option of including wintersports (single trip for the length of the holiday annual trips for a maximum of 17 days)

The Annual travel deluxe policy automatically includes wintersports for up to 17 days.

The wintersports section does not state what activities are covered only those that are not, which include off-piste skiing except whilst under the supervision of a qualified guide /instructor, ski jumping, monoskiing, ice hockey, the use of skeletons or bobsleighs, ski or skibob racing in International and National  events and their heats and officially organised practice or training for  these events.

The policy covers Ski Equipment upto £750, (single article limit £250) Ski hire (£15 per day), Ski pack (£20 per day) and Piste closure (£20 per day) up to £300 and avalanche cover up to £200

Piste closure is only available between 1st December - 30th April in the Northern Hemisphere and 1st May - 30th September in the Southern Hemisphere.

 

 

5

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

Up to ten individiuals under one policy, although there is no group discount for insuring more than one adult. 

Couple cover applies to you and your husband/wife, common law partner or civil partner.

A family is one or two adults and up to 8 children (Family cover is only available to persons aged 65 years or under).

Your unmarried dependent children are only covered when travelling with an adult insured under this policy.

6

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

The policy does not insist on an EHIC card, but one is highly recommended and if a claim is reduced as a result of producing the card, then the medical expenses excess will be reduced to zero.

If you are visiting Australasia, you should enrol in Medicare.

 

7

What is covered under Sports and Activities on the policy?

Sports and activities is dealt with in the general exclusions and definitions section of the policy. British Airways state that any activity is excluded where it is recognised there is an increased risk of serious injury or could be reasonably expected to aggravate any existing infirmity.

They provide a list of examples of which sports and activities are not covered and a smaller list of what is acceptable provided no physical contact is involved.

Our advice would be to check with British Airways if you wish to carry out a particular activity and it is not listed.

8

What are the policy Alcohol Exclusion terms?

The policy specifically excludes any claim where you are under the influence of drink.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

The policy includes cover against scheduled airline failure.

10

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

Pre existing medical conditions are not covered under the policy. They can be included provided you have contacted the medical helpline and they have confirmed cover in writing.

There is no facility to underwrite conditions online.

11

What are the policy rules on travelling when pregnant?

The policy excludes any claim in respect of pregnancy unless there are unforseen complications. The policy does not provide any definition or example of complications.

Cover is also excluded under medical inconvenience if you are admitted as an in-patient within 12 weeks of your estimated delivery date.

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 is excluded and defined as work that is physical, including but not limited to construction, installation, assembly and building work. This does not included bar and restaurant staff, musicians, singers and fruit pickers (who do not use machinery)

The policy wording also states non manual work, including farm holidays is covered.

13

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

The policy does not mention proof of ownershipr or receipts in respect of claims for personal property, but that there will be a deduction made for wear and tear/depreciation

14

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

The policy excludes any claim caused by war or civil unrest, unless you are in an area where war or civil unrest breaksout, when you will be covered for a maximum period of 72 hours and you take the first reasonable opportunity to leave.

There is no mention of terrorism in the policy.

 

15

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

There is no natural disaster or catastrophe cover.

16

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

This policy is only available to persons resident in the United Kingdom and Republic of Ireland

Pro's and Con's for British Airways

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 British Airways.

  • The Deluxe annual travel policy automatically includes wintersports cover for up to 17 days
  • The Deluxe policy has been awarded a four star rating
  • Cancellation cover can be increased to £20,000
  • No online screening for pre-existing medical conditions

What Cover do British Airways policies offer.

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

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Deluxe

    Single Trip

    Value

    Single Trip

    Value

    Annual

    Deluxe

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    75

    75

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    15,000,000

    15,000,000

    15,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    4,000

    4,000

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    15,000

    15,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    750

    750

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    150

    150

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    200

    200

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    15,000

    15,000

    50,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    4,000

    4,000

    4,000

    4,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    300

    300

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    300

    300

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    500

    500

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from British Airways.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Individual

Age: 30 - 39

Trip Days: 21

British Airways Travel Insurance Review
That's Insurance Rating

Customer Rating

Deluxe

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Individual

Age: 40 - 49

Trip Days: 21

British Airways Travel Insurance Review
That's Insurance Rating

Customer Rating

Value

75

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 4,000

Missed Departure 500

Delayed Departure 300

Baggage 750

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 14

British Airways Travel Insurance Review
That's Insurance Rating

Customer Rating

Deluxe

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 50 - 59

Trip Days: 365

British Airways Travel Insurance Review
That's Insurance Rating

Customer Rating

Value

75

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 4,000

Missed Departure 500

Delayed Departure 300

Baggage 750

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide

Couple

Age: 30 - 39

Trip Days: 365

British Airways Travel Insurance Review
That's Insurance Rating

Customer Rating

Deluxe

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Couple

Age: 40 - 49

Trip Days: 365

British Airways Travel Insurance Review
That's Insurance Rating

Customer Rating

Value

75

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 4,000

Missed Departure 500

Delayed Departure 300

Baggage 750

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

How to Buy Travel Insurance from British Airways

Visit British Airways's Website and Get a Quotation direct

Current Discount Codes for British Airways - No Current Discount Codes

Customer Reviews of British Airways

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