Fish Travel Insurance Review

Fish Travel Insurance Review

Fish 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 Fishinsurance.co.uk 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 Fish and who underwrites their policies?

For over forty years Fish Insurance has been providing specialist insurance in the UK for people with pre-existing medical conditions. Fish Insurance is the trading name of Fish Administration Ltd, now part of the PIB Insurance Group Limited, a rapidly growing insurance broker founded in 2014. PIB offers a range of specialist expertise, products and services to clients throughout the UK.

Save up to 15% by purchasing travel insurance online and choose from two levels of cover Traveller and Traveller Deluxe. The policy is 31 pages long and underwitten by Zurich Insurance Plc. It is important that you read the documentation carefully and combine them with our review and rating to assist in your decision making process. 

Fish Travel Insurance Policies are Underwritten By Zurich Insurance, URV

How Fish 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 Fishinsurance.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Fish Travel Insurance, they are Traveller Deluxe, Traveller, Plus One, Plus Two, we have rated these as follows:-

Rating for Single Trip Traveller Deluxe:

Rating for Single Trip Traveller:

Rating for Single Trip Plus One:

Rating for Single Trip Plus Two:

Single Trip Travel Insurance Guide here
Fish Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Fish Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Fish Travel Insurance, they are Traveller, Traveller Deluxe, Plus One, Plus Two, we have rated these as follows:-

Rating for Annual Traveller:

Rating for Annual Traveller Deluxe:

Rating for Annual Plus One:

Rating for Annual Plus Two:

Annual Travel Insurance Guide here
Fish Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Fish 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 Fishinsurance.co.uk's travel policy wording

1

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

The Fish policy defines children as those aged 17 or under at the date a policy is purchased.

2

What are the policy age limits?

The single trip policy is available to anyone under the age of 85 and under 70 in respect of winter sports.

The annual multitrip policy is available to anyone under the age of 80 and under 70 in respect of winter sports.

 

 

3

What are the policy Trip Duration limits?

The annual policy is for twelve months and allows unlimited trips throughout the year, provided each trip lasts no longer than 31 days (for persons aged 59 or under), 24 days (if you aged between 60 - 74) or 17 days (if you are aged 75 - 79)

A single trip policy can be taken out for up to 150 days.

4

What does the policy offer for Winter Sports cover?

Optional Winter Sports automatically includes 16 activities, including off-piste skiing and snowboarding (provided it is with a guide and in areas the resort considers to be safe)

The maximum number of days for wintersports under the annual travel policy is 17. The policy covers ski equipment, ski hire, ski pack, avalanche and piste closure.

5

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

A Fish travel policy can be for an individual person, a young person travelling alone (the policy must be applied for by their parents or legal guardian), a couple (common law partner living at the same address), or a family,  (two adults aged 59 or less and up to six children)

6

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

If you are travelling to any country in the European Union, you are strongly advised to obtain the EHIC, which entitles you to benefit from reciprocal health care arrangements.

If a medical expenses claim is reduced as a result of the EHIC, then any excess will be waived.

If you need medical assistance in Australia or New Zealnd, you must enrol in MEDICARE.

7

What is covered under Sports and Activities on the policy?

131 sporting and leisure activities as standard, with the option to include a further 70 riskier pursuits, provided you pay the relevant additional premium.

Check the policy for full details.

8

What are the policy Alcohol Exclusion terms?

The following are not covered under the policy;

Your alcohol intake whilst taking any combination of medication or drugs known (or would reasonably be suspected) to cause drowsiness, impaired vision or judgment when combined with alcohol whether such drugs are prescribed or not.

Your drinking too much alcohol, alcohol abuse or alcohol dependency.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

No cover for airline or end supplier failure.

10

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

Fish Travel Insurance will cover a wide range of pre-existing medical conditions, but they will need to be underwitten online at the point of sale, using the medical screening facility.

11

What are the policy rules on travelling when pregnant?

The policy does not cover claims relating to normal pregnancy unless accompanied with bodily injury, illness, disease or complications. The policy does not define what they regard as a complication in 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 your participation in manual work. There is no policy definition of manual work, so if you are not sure, we recommend contacting the Insurer direct for clarification.

However the policy does specifically include the following occupations, Archaeological digging, Bar work, Caring for Children as an aupair or nanny, voluntary charity or conservation work, fruit or vegetable picking, restuarant work, and if you pay the additional premium, animal sanctury/refuge work.

13

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

Fish Travel Insurance may refuse to reimburse you for any property which you cannot provide proof of ownership such as an original receipt, a valuation, original user manual or bank or credit card statements.

14

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

The policy excludes war risks, civil commotion and terrorism (however in respect of terrorism, you are still covered for any emergency medical and other expenses, hospital benefit and personal accident.

15

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

Both policies cover the cost of additional accommodation and transport as a result of a catastrophe or natural disaster.

16

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

Only available if you are resident in the United Kingdom and registered with a UK medical practitioner.

Fish's 'User Friendly' Rating

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

We've highlighted Pro's anc Cons for Fish, 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 Fishinsurance.co.uk.

  • Optional Winter sports cover for anyone under the age of 70
  • 130 sporting and leisure activities covered as standard with the option to include a further 70
  • A wide range of pre-existing medical conditions can be underwitten online using the medical screening process
  • No cover for Scheduled Airline or End Supplier Failure

What Cover do Fish policies offer.

We've listed below cover levels for policies offered by offered by Fishinsurance.co.uk 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

    Traveller Deluxe

    Single Trip

    Traveller

    Single Trip

    Plus One

    Single Trip

    Plus Two

    Single Trip

    Traveller

    Annual

    Traveller Deluxe

    Annual

    Plus One

    Annual

    Plus Two

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    75

    100

    50

    75

    50

    100

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    7,500,000

    5,000,000

    10,000,000

    7,500,000

    10,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,500

    2,500

    5,000

    2,500

    5,000

    2,500

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    20,000

    10,000

    20,000

    20,000

    20,000

    10,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    2,000

    1,500

    3,000

    2,000

    2,500

    1,500

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    350

    350

    300

    500

    350

    350

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    400

    500

    750

    400

    500

    500

    750

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    600

    500

    500

    1,000

    500

    600

    500

    1,000

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    50,000

    25,000

    25,000

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    2,500

    0

    0

    0

    2,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,000

    1,000

    1,500

    1,000

    1,500

    1,000

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    400

    200

    200

    200

    400

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    5,000

    5,000

    1,500

    1,500

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    400

    300

    150

    250

    300

    400

    150

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    150

    120

    240

    150

    150

    120

    240

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

    750

    1,500

    1,000

    1,000

    750

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    2,500

    2,500

    0

    0

    2,500

    2,500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,500

    1,000

    0

    3,000

    1,000

    1,500

    0

    3,000

  • 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

    Y

    Y

    N

    Y

    Y

    Y

    N

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • 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

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

    Y

    Y

Sample Quotes from Fishinsurance.co.uk.

Listed below are some Sample Quotes offered by Fishinsurance.co.uk (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: 30 - 39

Trip Days: 14

Fish Travel Insurance Review
That's Insurance Rating

Customer Rating

Traveller

75

Click Heart to Favourite

Compare Now

Medical Expenses 7,500,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 150

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide

Individual

Age: 40 - 49

Trip Days: 14

Fish Travel Insurance Review
That's Insurance Rating

Customer Rating

Traveller Deluxe

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 150

Baggage 2,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 7

Fish Travel Insurance Review
That's Insurance Rating

Customer Rating

Traveller

75

Click Heart to Favourite

Compare Now

Medical Expenses 7,500,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 150

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 365

Fish Travel Insurance Review
That's Insurance Rating

Customer Rating

Traveller Deluxe

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 150

Baggage 2,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 365

Fish Travel Insurance Review
That's Insurance Rating

Customer Rating

Traveller Deluxe

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 150

Baggage 2,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 71 - 75

Trip Days: 365

Fish Travel Insurance Review
That's Insurance Rating

Customer Rating

Traveller

75

Click Heart to Favourite

Compare Now

Medical Expenses 7,500,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 150

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Fishinsurance.co.uk

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 Fish - No Current Discount Codes

Visit Fishinsurance.co.uk's Website and Get a Quotation direct

Customer Reviews of Fishinsurance.co.uk

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