First Travel Insurance Review

First Travel Insurance Review

First 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 First Travel 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 First and who underwrites their policies?

First Travel is a relatively new offering from Rush Insurance Services, who have over 75 years experience in the Travel Insurance Industry. As well as First Travel, Rush are responsible for Covered2go and Bluebear Travel Insurance.

First Travel are a finalist for Best Insurance Provider in the 2017 British Travel Awards. They offer single trip and annual trip policies, Longstay, as well as specialist Cruise Winter sports and Scuba Diving policies.

Get a 15% discount when you buy online.

First Travel Insurance Policies are Underwritten By URV

How First 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 First Travel.

Single Trip Policy Ratings Click to Expand

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

Rating for Single Trip Economy:

Rating for Single Trip Standard:

Rating for Single Trip Premier:

Single Trip Travel Insurance Guide here
First Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
First Travel Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Economy:

Rating for Annual Standard:

Rating for Annual Premier:

Annual Travel Insurance Guide here
First Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

First 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 First Travel's travel policy wording

1

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

Children are those dependents under the age of 18, living at home and in full time education.

2

What are the policy age limits?

In respect of annual travel policies, you must be under the age of 80. Single trip policies can accomodate travellers up to the age of 115.

Longstay policies have an age limit of 40.

3

What are the policy Trip Duration limits?

Single Trip policys can be taken out for up to 365 days, Longstay policies up to 18 months.

The annual travel policy allows for unlimited trips during the policy year, provided each trip lasts no longer than 31 days (can be increased to 45 or 60 days subject to payment of an additional premium).

4

What does the policy offer for Winter Sports cover?

Winter sports can be included under the single trip (for the duration of the policy) for under the annual multi-trip policy for up to 17 days.

The policy covers various winter sports activities listed in activity pack three (included when you opt for the winter sports cover)

More extreme winter sports are included in packs 4 - 8, but require payment of an additional premium.

5

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

A First Travel policy may be taken out by a single person, a couple classed as two adults in a relationship, living at the same address or a family (one or two adults and one or more children)

Finally groups of up to 8 travellers may insure themselves under the same policy, although there is no premium discount for doing so.

6

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

The EHIC is strongly recommended by First Travel, if you are visiting any of the European Union countries or Switzerland. If you require treatement and use the EHIC, then any medical excess will be waived.

If you are travelling to Australia, you should register with Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

The policy includes cover for over 90 different sporting and leisure activities as standard. A further 270 activities can be included, but are subject to payment of an additional premium. These activities are split into activity packs 2 - 8 with the more extreme the sport the higher the activity pack and the larger the premium required to cover it.

8

What are the policy Alcohol Exclusion terms?

All First Travel policies, exclude any claim whilst you are under the influence of alcohol, but they do specify a limit of a blood alcohol level of no more than 0.19% which is approximately equivalent to four pints or four 175ml glasses of wine. 

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled Airline cover is automatically included in the Premier Policy.

10

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

Known pre existing medical condtions are automatically excluded under the policy, however they can be accepted provided they are declared to First Travel, by phoning their medical screening centre.

Unfortunately online medical screening is not available at this time.

11

What are the policy rules on travelling when pregnant?

All policies include cover for emergency medical expenses in respect of pregnancy from week zero to week 28 inclusive, whilst you are travelling. From the commencement of week 29 to week 40, no cover will be provided unless accompanied by unforseen complications, a list of which can be found in the policy wording.

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 under the policy (manual labour is defined as the lifting or carrying of heavy items in excess of 25kg, working at a higher level than two storeys or any work underground.

13

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

Any item, lost, stolen or damaged over the value of £50, must be supported by original proof of ownership/purchase.

Any item not supported by this evidence will be restricted to a maximum payout of £50 and subject to an overall limit of £150.00.

14

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

War, terrorism and biological and chemical warfare are excluded under the policy, with the exception of claims for emergency medical expenses.

15

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

The Premier policy includes cover for natural disaster for the reasonable costs of alternative accommodation within a twenty mile radius of your original booking

16

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

You must be a resident of the United Kingdom or Channel Islands

First's 'User Friendly' Rating

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

We've highlighted Pro's anc Cons for First, 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 First Travel.

  • Single and Annual Trip Premier Policy rated Five Stars
  • No age limit on single trip policies
  • Premier Policy includes Scheduled Airline and Natual Disaster Cover as standard
  • Specialist Cruise and Scuba Diving cover options available
  • Any medical condition must be underwritten by telephoning the medical screening centre and not online

What Cover do First policies offer.

We've listed below cover levels for policies offered by offered by First Travel 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

    Single Trip

    Standard

    Single Trip

    Premier

    Single Trip

    Economy

    Annual

    Standard

    Annual

    Premier

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    50

    0

    100

    50

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,000,000

    5,000,000

    10,000,000

    2,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    750

    2,000

    10,000

    750

    2,000

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    15,000

    25,000

    10,000

    15,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    500

    1,500

    3,500

    500

    1,500

    3,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    500

    1,500

    150

    500

    1,500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    75

    700

    750

    75

    700

    750

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    150

    300

    1,000

    150

    300

    1,000

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    2,000,000

    1,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    15,000

    25,000

    10,000

    15,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    1,500

    0

    0

    1,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    1,000

    1,500

    500

    1,000

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    300

    750

    200

    300

    750

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    75

    100

    500

    75

    100

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    150

    500

    100

    150

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    300

    600

    1,500

    300

    600

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    1,500

    0

    0

    1,500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    1,500

    0

    0

    1,500

  • 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

    1,500

    0

    0

    1,500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    N

    N

    Y

  • 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

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    Y

    N

    N

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    Y

    N

    N

    Y

Sample Quotes from First Travel.

Listed below are some Sample Quotes offered by First Travel (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 First Travel

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Current Discount Codes for First - No Current Discount Codes

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Customer Reviews of First Travel

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