Circlecover Travel Insurance Review

Circlecover Travel Insurance Review

Circlecover 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 Circlecover.com plus compare prices and cover on the same site.

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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 Circlecover and who underwrites their policies?

Circlecover.com is a trading name of Insure and Go Insurance Services Ltd. Another strong product from the insure and go stable, which includes travelinsurance.co.uk and Cheaper.travelinsurance.co.uk. Insure and Go are a specialist travel insurer and are a wholly owned subsidiary of MAPFRE ASISTENCIA. MAPFRE is a multinational insurance and assistance company founded in Madrid, Spain. They have worldwide operations in Europe, America, Asia and Africa with over 161 million beneficiaries worldwide. In 2011, MAPFRE were awarded Insurer/Underwriter of the Year at the ITIJ Awards.This policy is aimed at the over 50's and covers all pre existing medical conditions.

Circlecover will consider all medical conditions, allowing you to obtain a quote with their simple online medical screening process. They also specialise in customers over the age of 50, with premiums starting as low as £11.00. Wintersports is automatically included free of charge with Annual policies.

At 40 pages, the policy booklet is an important document that we strongly recommend you read carefully. We have helped by highlighting sixteen important areas of the policy, we feel needs to be drawn to your attention and will assist in making a decision on purchase.

Circlecover Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Circlecover 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 Circlecover.com.

Single Trip Policy Ratings Click to Expand

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

Rating for Single Trip Platinum:

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Single Trip Travel Insurance Guide here
Circlecover Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Circlecover Travel Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Platinum:

Annual Travel Insurance Guide here
Circlecover Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Circlecover 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 Circlecover.com'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, living at home with you or in full time education

2

What are the policy age limits?

At time of purchase:-

Aged 99 for Single Trip

Aged 99 for Multi Trip

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is for up to 365 days, however for 0ver 65's this is reduced to a maximum of 45 days.

Annual Trip, Trip Duration is for 45 days maximum Trip length. Trip length for over 65’s is for a maximum of 22 days. The Gold and Platinum policies allow for an increase in trip length to 90 days for under 65’s.  (at the date of purchase of the insurance)

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added to your Single Trip Policy for the entire duration of your tip. Wintersports cover included free of charge on Annual Policies is included for up to 17 days, or 24 if you have taken Gold or Platinum policies.

Over 20 wintersports activities covered as standard (see policy for details)

  • Wintersports equipment: £500 silver (single article limit £250), £1,000 gold (single article limit £500),  £1500 platinum (single article limit £750).
  • Ski Hire:  Silver £20 per day up to £200, Gold £50 per day up to £500, Platinum £75 per day up to £750.
  • Ski Pack: Silver £75 per day up to £300, Gold £75 per day up to £450, Platinum £85 per day up to £510
  • Piste Closure: Silver £20 per day up to £200, Gold £40 per day up to £400, Platinum £50 per day up to £500
  • Avalanche: Silver £250, Gold £500, Platinum £750.

5

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

A policy can be taken out by individuals, couples and families

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”.

A policy can also be taken out by a group of up to ten individuals, although there is no group discount for insuring more than one individual.

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?

There is a list of over 40 activities covered as standard. However, you will not be covered for any activity considered to be dangerous unless specifically agreed with Circlecover. They will not cover any sport undertaken professionally.  

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 “We do not expect you to avoid alcohol consumption on your trips or holidays but we 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).  “

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Covered under all policies for this Insurance Provider for Scheduled Airline Failure, and End Supplier Failure on Gold, Platinum Policies, which incorporates additional suppliers, as follows:- car hire operators,  ferry operators, coach operators or train operators.

10

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

All pre existing medical conditions are underwritten at the point of sale, making the process simple and quick.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

11

What are the policy rules on travelling when pregnant?

Policy States " We provide cover under this policy if something unexpected happens. In particular, we provide cover under section B ? Medical and other expenses for injuries to the body or illness that was not expected. 

We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under sections A, B and C of this policy, for claims that come from complications of pregnancy and childbirth. Please make sure you read the definition of ‘Complications of pregnancy and childbirth’ on page 14."

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 unless you are not getting paid for it and it is for a registered charity. 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).

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?

Proof of ownership is required for items that you are claiming for.  The insurer won’t pay if you are unable to provide this and deductions will be made for items claimed, for wear and tear, it is not a new for old replacement policy.

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 in respect of any claim that happens as a result of war, invasion, revolution, rebellion, act of foreign enemy or any similar event (except for any which the public did not know about at the time of purchase of this insurance and/or prior to the booking of any individual trip). Please note that this exclusion does not apply to section B ? Medical expenses

15

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

The standard policy excludes claims relating to natural disaster, except for section B, medical expenses. However there is the option to extend cover to include travel disruption which includes delayed departure, missed departure and extended accommodation cover, in the event of a catastrophe or natural disaster.

16

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

All insured persons must be a resident of the United Kingdom, Channel Islands and British Forces Posted Overseas only.

Circlecover's 'User Friendly' Rating

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

We've highlighted Pro's anc Cons for Circlecover, 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 Circlecover.com.

  • Free wintersports cover with annual policies
  • Quick and easy online medical screening
  • Gold and Platinum policies have five star levels of cover

No Con's

What Cover do Circlecover policies offer.

We've listed below cover levels for policies offered by offered by Circlecover.com 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

    Platinum

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    50

    60

    60

    50

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    Unlimited

    15,000,000

    10,000,000

    10,000,000

    15,000,000

    Unlimited

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    7,500

    5,000

    5,000

    7,500

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    75,000

    50,000

    20,000

    20,000

    50,000

    75,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,500

    2,000

    2,000

    2,500

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    300

    200

    200

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    600

    400

    200

    200

    400

    600

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    500

    500

    500

    500

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    3,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    3,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    60,000

    50,000

    15,000

    15,000

    50,000

    60,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    1,000

    1,500

    2,000

  • 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

    300

    200

    100

    100

    200

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    500

    400

    300

    300

    400

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    1,000

    500

    500

    1,000

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    750

    500

    200

    200

    500

    750

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    500

    500

    500

    500

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    1,500

    0

    0

    1,500

    3,000

  • 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

    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

    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

    Y

    Y

    Y

    Y

    Y

    Y

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

Sample Quotes from Circlecover.com.

Listed below are some Sample Quotes offered by Circlecover.com (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 7

Circlecover Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 14

Circlecover Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 400

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Couple

Age: 76 +

Trip Days: 14

Circlecover Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

0

Click Heart to Favourite

Compare Now

Medical Expenses Unlimited

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 500

Baggage 3,000

Personal Accident 75,000

Personal Liability 3,000,000

Legal Expenses 60,000

Annual

Worldwide

Couple

Age: 76 +

Trip Days: 365

Circlecover Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 40 - 49

Trip Days: 365

Circlecover Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 400

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 40 - 49

Trip Days: 365

Circlecover Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

How to Buy Travel Insurance from Circlecover.com

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 Circlecover - No Current Discount Codes

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Customer Reviews of Circlecover.com

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