Economycover Travel Insurance Review

Economycover Travel Insurance Review

Economycover Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Economycover.com 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 Economycover and who underwrites their policies?

Economycover.com is a trading name of Blue Insurance Ltd an award winning company based in Cardiff and Dublin. Economycover provide different levels of cover to suit different budgets. Choose from Economy, Premier and the Five Star Rated Premier Plus Cover. Policies are underwritten by Bulstrad Life Vienna Insurance Group and regulated by the Bank of Ireland.

Blue Insurance other brands include GreatCover.com, Multitrip.com and Annualtravelinsurance.com.

Economycover Travel Insurance Policies are Underwritten By Bulstrad Vienna Insurance Group

How Economycover 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 Economycover.com.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Economycover Travel Insurance, they are Economy Cover, Premier Cover, Premier Plus Cover, we have rated these as follows:-

Rating for Single Trip Economy Cover:

Rating for Single Trip Premier Cover:

Rating for Single Trip Premier Plus Cover:

The Definitive Guide to Single Trip Travel Insurance Guide here
Economycover Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Economycover Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Economycover Travel Insurance, they are Economy Cover, Premier Cover, Premier Plus Cover, we have rated these as follows:-

Rating for Annual Economy Cover:

Rating for Annual Premier Cover:

Rating for Annual Premier Plus Cover:

Annual Travel Insurance Guide here
Economycover Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Economycover 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 Economycover.com's travel policy wording

1

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

Economycover class children as those aged under 19 (or under 23 if living at home and in full time education), accompanying parents on the same policy travelling to the same destination.

Under the annual policy no child under 16 may travel independently. Any child over the age of 16 is covered to travel independently, provided they are travelling on an organised school or college trip and with a responsible adult over the age of 18.

2

What are the policy age limits?

The maximum age limit under any policy is 49.

3

What are the policy Trip Duration limits?

Single Trips including backpacker policies can be for up to 365 days.

Annual policies allow for unlimited trips, providing each trip lasts no longer than 60 days.

4

What are the options for Winter Sports cover?

Winter sports can be included on both single trip and annual travel policies. Single trips for the duration of the trip and annual travel up to 17 days in any one policy year.

Winter sports includes activities such as Guided cross country skiing (Nordic skiing), mono skiing, off piste skiing or snowboarding except in areas designated as unsafe by local resort management unless accompanied by a locally qualified guide, recreational racing, skiing, snowboarding, snowmobiling and snow sledging.

5

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

An economycover policy can be taken out by between one and ten individuals, couples including same sex, who have been living together for at least six months and families of one or two adults and any number of children.

6

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

It is strongly recommended that you apply for and carry a European Health Insurance Card, when travelling to EU/EEA countries including Switzerland.

When travelling to Australia and require medical care, you must enrol with the local Medicare Office.

7

What is covered under Sports and Activities on the policy?

The policy covers 64 Grade one activities as standard, including kayaking (grades 1 - 3), jet skiing and scuba diving down to 30 metres.

There is the option to include a further 23 grade 2 activities, 12 grade 3 and 9 grade 4 activities.

These are subject to an increased excess, reduction in personal accident cover, exclusion of personal liability and  payment of an additional premium.

8

What are the policy Alcohol Exclusion terms?

All policies exclude claims where you are under the influence of alcohol (where a person in authority such as an officer of the law, or a Medical Practitioner or Economycover's Senior Medical Officer confirms that your intoxication was significant to the claim occurring).

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled Airline failure is included as standard under all policies.

10

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

The policy excludes pre existing medical conditions that you have receieved medical advice or treatment for in the last two years or any consultation with a doctor, or hospital in the last twelve months.

There is a minor list of acceptable ailments listed in the policy document, for anything else, you must phone up to see if it can be included on your policy and agree to any additional premium or terms that may be applied before proceeding.

11

What are the policy rules on travelling when pregnant?

There is no cover under the emergency medical expenses section for any claim connected to pregnancy or childbirth, unless it comes from a "Complication of Pregnancy" (A list of complications can be found in the policy wording)

 If you are more than 32 weeks pregnant at the start of your trip and still choose to travel, you cannot claim for cutting short your trip, unless as a result of the unforeseen complications of pregnancy.

12

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

The policy excludes manual work, including

  • Hands-on involvement with the installation, assembly, maintenance or repair
    of electrical, mechanical or hydraulic plant (other than in a purely managerial/
    supervisory, sales or administrative capacity.
  • Work in connection with a profession, business or trade for example: plumber,
    electrician, lighting or sound technician, carpenter, painter/decorator or builder.
    working with wild animals of any kind.
  • Work of any other kind except where shown as covered under Sports and Activities
    such as Bar and Restaurant work, amateur musicians and singers, chalet maids, au pair/
    nanny, retail work, fruit picking and occasional light manual work at ground level but excluding the use of power tools or machinery.

13

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

Receipts for items lost, stolen or damaged or proof of ownership, should be retained as these will help susbstantiate your calim.

14

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

War and Terrorism are excluded, except for claims relating to Emergency Medical Expenses, Hospital Benefit, and Personal Accident.

15

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

Cover for Travel Disruption due to Natural Disaster or Catastrophe is automatically included.  

16

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

This policy is only available if you have been permanently resident in the UK for the past six months.

Economycover's 'User Friendly' Rating

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

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

  • Annual and Single Trip Premier Plus cover has been rated as Five Stars
  • Scheduled Airline Failure covered as standard
  • Extended Travel Disruption covered as standard
  • Maximum age limit of 49
  • Pre existing medical conditions can only be covered by phoning the medical screening facility

What Cover do Economycover policies offer.

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

    Economy Cover

    Single Trip

    Premier Cover

    Single Trip

    Premier Plus Cover

    Single Trip

    Economy Cover

    Annual

    Premier Cover

    Annual

    Premier Plus Cover

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    145

    75

    45

    145

    75

    45

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,200

    4,000

    8,000

    1,200

    4,000

    8,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    40,000

    50,000

    15,000

    40,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,200

    3,000

    5,000

    1,200

    3,000

    5,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    300

    400

    200

    300

    400

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    300

    400

    200

    300

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    800

    250

    500

    800

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    3,000,000

    2,000,000

    2,000,000

    3,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    20,000

    30,000

    0

    20,000

    30,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    3,000

    5,000

    1,500

    3,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    800

    250

    500

    800

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    450

    500

    350

    450

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    4,000

    4,000

    4,000

    4,000

    4,000

    4,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    270

    300

    250

    270

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    400

    500

    300

    400

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    400

    1,000

    1,500

    400

    1,000

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    100

    500

    1,000

    100

    500

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    500

    1,000

    2,000

    500

    1,000

    2,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    100

    500

    1,000

    100

    500

    1,000

  • 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

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    3,000

    5,000

    1,500

    3,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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 Economycover.com.

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

Top Picks

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How to Buy Travel Insurance from Economycover.com

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Customer Reviews of Economycover.com

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