Fit2Travel Travel Insurance Review

Fit2Travel Travel Insurance Review

Reviewed by:

With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of Fit2Travel.co.uk and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Fit2Travel Travel Insurance

Fit2Travel insurance is a trading style of Brokersure Ltd who are authorised and regulated by the Financial Conduct Authority under Firm Reference Number 501719. Brokersure operate a number of brands in addition to Fit2Travel. HolidayInsurance.com, All Safe Insurance, Direct2Insure Travel Insurance, Go Insure.co.uk, Fit4Travel, Medical Travel Insurance and Travel Adder.

FIt2travel policies are underwritten by URV through Travel Insurance Facilities. The policy wording is 30 pages long and we suggest you read it carefully together with our review below, to make sure you have a policy that is suitable.

How to Buy Travel Insurance from Fit2Travel.co.uk

Click on the website link to go directly to the insurance providers website. Visit Fit2Travel.co.uk's Website and Get a Quotation direct

How Fit2Travel Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Fit2Travel.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Fit2Travel 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:

Fit2Travel Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Fit2Travel Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Fit2Travel Travel Insurance. They are - Platinum - Silver - Gold. We have rated these as follows:-

Rating for Annual Platinum:

Rating for Annual Silver:

Rating for Annual Gold:

Fit2Travel Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Fit2Travel Longstay 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

Key Points you need to know about Fit2Travel.co.uk's policy wording

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

Dependents who are under the age of 18, living at home and in full time education

2. What are the policy age limits?

At time of purchase:-

75 or under for Annual Multi Trip

85 or under for Single Trip

3. What are the policy Trip Duration limits?

Maximum Trip duration for Single Trip is 60 days and for Annual Multi Trip - trip duration is for a maximum of 31 days.

4. What are the options for Winter Sports cover?

Wintersports can be included under a single trip or an annual trip policy. In the case of annual policies, wintersports is limited to a maximum of 17 days per year.

When you opt for wintersports cover, activity packs 1 - 3 are automatically included allowing you to participate in various activities.

Note, if you wish to ski or snowboard off-piste without a guide, you will need to pay a further premium for activity pack 6

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

A fit2travel policy is available to between one and ten individuals, couples or families, consisting of up to 2 adults and eight dependent children. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

There is no premium discount for more than one individual insuring themselves under the same policy.

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

EHIC not Mandatory, but strongly advised.  If you are travelling to Australia you must register with Medicare on arrival.

7. What is covered under Sports and Activities on the policy?

Check the policy schedule, 101 activities listed in Activity Pack 1 are included as standard. A further 247 pursuits in Activity Packs 2 to 8 are chargeable and you should check to ensure the activities you plan are included.

Note whilst snorkelling is included in activity pack 1, only swimming in a pool is covered in pack 1, so it is unclear whether swimming in the sea is automatically covered. We suggest that if you have any concerns you contact the Insurer direct for clarification. 

 

8. What are the policy Alcohol Exclusion terms?

Policy states “You, your travelling companion, close relative or business associate being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction); alcohol (a blood alcohol level that exceeds 0.19%  approximately four pints or four 175ml glasses of wine); solvents, or;  anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Bronze Policies, no cover.

Silver Policies up to £1000

Gold/Platinum Policies up to £1500

No policies extend this cover to End Supplier Failure, so it’s only your scheduled flight that is covered, you are not covered for financial failure of your travel agent, tour organiser or flight consolidator.

Flights/Travel/Accommodation must have been booked in the UK before you departed and in the case of insolvency of the company/agent no threat of this must be known at the time of the policy being issued.  Losses for which a third party is responsible, or which may be recovered by other legal means, are not covered.

Any consequential losses that are not directly associated, are not covered. For example, loss due to being unable to reach your pre-booked hotel following the financial failure of an airline.

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

Quotes for people with medical conditions can be given online, you are asked to go through a set of questions in relation to your condition and quotes are provided at the end of this.

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

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

11. What are the policy rules on travelling when pregnant?

Policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you
are having more than one baby) before the expected delivery date. 

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

Listed under activities - Manual Labour is excluded except for those listed in Activity Pack 1 ? e.g Bar Work, Animal Sanctuary (non big game). If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

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

Proof of value and ownership of property and money is required for any item with a value exceeding £50. This should be in the form of an original receipt. Lack of this may mean you are still eligible to claim but will be subject to a maximum of £50 and will be considered part of “unreceipted items” in respect of the claim and included in the maximum offered by that policy.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. 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?

Claims relating to cyber events are excluded. Terrorism is also excluded except for losses under emergency medical expenses. Some countries that are considered high risk are also excluded for cover, for example, Afghanistan, Liberia or Sudan.

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

There is a small amount of cover for alternative accommodation in the event your pre booked accommodation is damaged by a natural disaster.

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

You and all other insured persons must be a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas.

Fit2Travel.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on fit2travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Fit2Travel compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Fit2Travel Policies

We've highlighted Pro's and Cons for Fit2Travel, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Fit2Travel.co.uk.

  • Many Pre-existing medical conditions can be underwritten online during the quotation process
  • 100 sporting and leisure activities covered as standard, with the option to add over 200 additional pursuits
  • Cover can be extended to include cover for fishing trips, including equipment and loss of fishing due to adverse weather conditions
  • Fit2travel Platinum policy has been awarded our four star rating
  • Cover only available for up to 60 days in single trip policies

What Cover do Fit2Travel policies offer.

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

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

    Platinum

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    200

    100

    0

    0

    100

    200

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    2,500

    5,000

    5,000

    2,500

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    20,000

    30,000

    30,000

    20,000

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    2,000

    3,000

    3,000

    2,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    250

    250

    250

    250

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    300

    300

    300

    300

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    400

    500

    500

    400

    250

  • 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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    15,000

    20,000

    20,000

    15,000

    10,000

  • 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

    500

    1,000

    1,500

    1,500

    1,000

    500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    20,000

    30,000

    30,000

    20,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    400

    500

    500

    400

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • 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

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    500

    700

    700

    500

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    200

    600

    600

    200

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    500

    1,000

    1,000

    500

    250

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    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

  • 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

    500

    1,000

    1,500

    1,500

    1,000

    500

  • 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

    N

    N

    N

    N

    N

    N

  • 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

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • 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 Fit2Travel.co.uk.

Listed below are some Sample Quotes offered by Fit2Travel.co.uk

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 18 - 29

Trip Days: 21

Fit2Travel Travel Insurance Review
Product Rating

Experience Rating

Gold

100

Medical Expenses 10,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 200

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Europe

Couple

Age: 60 - 64

Trip Days: 7

Fit2Travel Travel Insurance Review
Product Rating

Experience Rating

Silver

200

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 250

Delayed Departure 100

Baggage 1,000

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Worldwide

Couple

Age: 40 - 49

Trip Days: 365

Fit2Travel Travel Insurance Review
Product Rating

Experience Rating

Platinum

0

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 600

Baggage 3,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 65 - 70

Trip Days: 365

Fit2Travel Travel Insurance Review
Product Rating

Experience Rating

Silver

200

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 250

Delayed Departure 100

Baggage 1,000

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 10,000