Budget Travel Insurance Review

Budget Travel Insurance Review

Budget 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 Budget Insurance Services 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 Budget and who underwrites their policies?

Budget Insurance are a UK based insurance intermediary, who offer a wide range of products, including motor, home, van and travel insurance. Travel Insurance is arranged and administered by Insure and Go, who are not part of the Budget Group.

Budget offer single trip, annual travel and backpacker policies, all underwritten by MAPFRE Assistance.

Budget Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Budget have been ranked using our star rating formula. Budget 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 Budget Insurance Services.

Single Trip Policy Ratings Click to Expand

There are 4 Single Trip Policies, they are Black, Budget, gold, silver, we have rated these as follows:-

Thats Insurance Rating for Black:

Thats Insurance Rating for Budget:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Single Trip Travel Insurance Guide here
Budget Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are no policies available for this section.

Backpacker Travel Insurance Guide here
Budget Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 4 Annual Policies, they are Black, Budget, gold, silver, we have rated these as follows:-

Thats Insurance Rating for Black:

Thats Insurance Rating for Budget:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Budget Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Budget Travel Insurance Review

Budget'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 Budget Insurance Services's travel policy wording

1

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

A child is classed as any dependent person under the age of 18, either in full time education, or living with the main insured.

2

What are the policy age limits?

Both single trip and annual travel policies are restricted to those under the age of 76.

The Backpacker policy is restricted to those under the age of 66.

 

3

What are the policy Trip Duration limits?


Single Trip, Trip Duration is up to 365 days if you are aged 65 or under, beginning and ending in your home area. They will only cover you for up to 31 days for each trip if you are aged 66 or over.

Annual Trip, Trip Duration allows you to travel as many times as you like during any one period of insurance, as long as no single trip lasts longer than 31 days (Budget Cover) The Silver policy allows trips of up to 45 days (31 days if you are aged 66 or over).

Under the Gold and Black cover option the maximum length of a single trip is increased to 90 days if you are aged under 66.

Backpacker Trip Duration is from 31 days up to 18 months.

4

What does the policy offer for Winter Sports cover?

Winter sports can be included in the single trip policy for the duration of the trip. In respect of annual policies, the budget policy covers up to 10 days skiing, the Silver policy up to 17 days and the gold and black policies up to 24 days.

The policy covers over twenty different activities as standard including off-piste skiing or snowboarding (except in areas considered unsafe by the resort).

5

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

Individuals between one and ten people. (There are no group discounts available)

Family means A person and their husband, wife or partner and their dependent, adopted or fostered children who are aged under 18 and are either in full-time education or living with them.

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 and requiring treatment.

7

What is covered under Sports and Activities on the policy?

There are 90 activities covered as standard, some activities exclude cover for Personal Liability and Personal Accident are excluded.

You can add a further 50 activities by taking the Hazardous Activities option (an additional premium is required)

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?

Budget Insurance do not expect you to avoid alcohol consumption 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, your excessive alcohol consumption has caused or actively contributed to your injury or illness, including but not exclusively having a blood alcohol reading of more than 150mg per 100ml).

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled Airline Failure covered on all policies and End Supplier failure included in Gold and Black policies as standard.

10

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

Pre-Existing Medical Conditions can be considered, however you will need to complete their online screening process. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

11

What are the policy rules on travelling when pregnant?

If you are more than 32 weeks pregnant at the start of or during your trip and you still choose to travel, there is no cover for cutting your trip short, unless as a result of the complications of childbirth. A list can be found in the policy booklet.

12

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

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

13

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

The policy does not state that receipts are essential, however any claim for an item without a receipt may result in an additional 10% deduction on payments.

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?

No section of this policy (apart from section B Medical and other expenses) shall apply in respect of any claim arising directly or indirectly from a natural disaster or civil unrest unless you chose and have paid the appropriate extra premium for the Travel disruption option which provides cover in this respect for Delayed departure or abandoning your trip, Missed departure and Accommodation cover.

15

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

Not covered as standard under this policy, aside from as mentioned above. Travel Disruption as a result of natural disaster or catastrophe can be included subject to payment of an additional premium.

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 six of the last twelve months, prior to purchase of a policy.

Pro's and Con's for Budget

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 Budget Insurance Services.

  • Gold and Black policies awarded our five star rating
  • Single trips of up to 90 days allowed on Gold and Black annual travel policies as standard
  • Pre existing medical conditions can be quoted for online by completing the medical screening questions
  • Child assist cover as standard
  • Gold and Black policies cover End Supplier Failure as standard

What Cover do Budget policies offer.

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

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Black

    Single Trip

    Budget

    Single Trip

    gold

    Single Trip

    silver

    Single Trip

    Black

    Annual

    Budget

    Annual

    gold

    Annual

    silver

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    75

    50

    60

    0

    75

    50

    60

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    Unlimited

    5,000,000

    15,000,000

    10,000,000

    Unlimited

    5,000,000

    15,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,500

    1,000

    5,000

    3,000

    7,500

    1,000

    5,000

    3,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    75,000

    10,000

    50,000

    20,000

    75,000

    10,000

    50,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    1,500

    2,000

    1,500

    2,500

    1,500

    2,000

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    100

    300

    200

    500

    100

    300

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    600

    100

    400

    200

    600

    100

    400

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    200

    500

    500

    750

    200

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    3,000,000

    1,000,000

    2,000,000

    2,000,000

    3,000,000

    1,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    60,000

    10,000

    50,000

    15,000

    60,000

    10,000

    50,000

    15,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,000

    1,000

    1,500

    1,000

    1,000

    1,000

    1,500

    1,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    100

    1,500

    1,000

    2,000

    100

    1,500

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    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

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    50

    200

    100

    300

    50

    200

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    500

    100

    400

    300

    500

    100

    400

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    0

    1,000

    500

    1,500

    0

    1,000

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    750

    0

    500

    200

    750

    0

    500

    200

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    0

    500

    500

    1,000

    0

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    0

    1,500

    0

    1,500

    0

    1,500

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    Y

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    Y

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

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

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Budget Insurance Services.

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Customer Reviews of Budget Insurance Services

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