Fit4 Travel Insurance Review

Fit4 Travel Insurance Review

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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 Fit4Travel Insurance and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Fit4 Travel Insurance

Fit4Travel 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 Fit4Travel. HolidayInsurance.com, All Safe Insurance, Direct2Insure, Go Insure.co.uk, Fit2Travel, Medical Travel Insurance and Travel Adder.

Fit4Travel Insurance is designed for those who have pre-existing medical conditions and struggle to find insurance elsewhere. The policy booklet is 36 pages long and underwritten by Astrenska Insurance Ltd

How to Buy Travel Insurance from Fit4Travel Insurance

Click on the website link to go directly to the insurance providers website. Visit Fit4Travel Insurance's Website and Get a Quotation direct

How Fit4 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 Fit4Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from Fit4 Travel Insurance. They are - Platinum - Silver. We have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Silver:

Fit4 Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Fit4 Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Fit4 Travel Insurance. They are - Silver - Platinum. We have rated these as follows:-

Rating for Annual Silver:

Rating for Annual Platinum:

Fit4 Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Fit4 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 Fit4Travel Insurance's policy wording

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

Under 18 at the date of issue of the policy and in full time education.

2. What are the policy age limits?

At time of purchase:-

60 or under for Annual Multi Trip

60 or under for Single Trip

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 31 days.  Annual Trip, Trip Duration is a maximum of 31 days per trip.

4. What are the options for Winter Sports cover?

Wintersports can be included under both the single trip and annual trip policies, but is limited to 17 days maximum under the annual policy.

The policy lists nine activities automatically covered under the winter sports section and several others you can include, but must pay a further additional premium. See the policy booklet for more information.

 

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

A policy can be taken out by between one and ten individuals, couples and families comprising two adults and up to a maximum of four children.

There are no premium discounts for more than one individual person insuring themselves under the same policy. 

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

Applying for an EHIC is recommended when travelling to European Union countries.

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

some sporting activities are automatically included in the policy as standard. A list is provided in the policy booklet. Activities are given option codes A = covered as standard, B&C require a premium loading X=refer to the Insurer NC= Not Covered.

In addition each sport has between 1 and 9 basic conditions attached. The process is quite involved and we recommend studying the policy wording carefully to make sure your specific activity is covered.

8. What are the policy Alcohol Exclusion terms?

Any claim is excluded where you are found to be under the influence of alcoholic drink.

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

Fit4travel automatically cover end supplier failure which includes cover for scheduled airline failure.

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

Pre-existing medical conditions can be covered, by declaring them during the online medical screening process.

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

You are not covered when undertaking a trip if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy.

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

Under General Exclusions, any claim arising as a result of your manual work or hazardous occupation of any kind is not covered.

However under the sports and activities section you can cover manual work defined as physical labouring with payment of an additional premium.

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

Claim forms must be returned with all original receipts and/or proof of ownership and value of any item lost, stolen or damaged.

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

War and Terrorism are excluded with the exception of claims for medical expenses, personal accident or medical inconvenience benefit. The maximum payable is limited to £2,500,000 in the aggregate.

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

No cover under the policy.

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

Available to persons resident in the UK and registered with a UK doctor.

Fit4Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on fit4travel-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 Fit4 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 Fit4 Policies

We've highlighted Pro's and Cons for Fit4, 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 Fit4Travel Insurance.

  • Pre-existing medical conditions can be underwritten online at the point of sale
  • Single trip policies up to a maximum of 31 days
  • No cover against catastrophe or natural disasters

What Cover do Fit4 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

    Platinum

    Annual

    Platinum

    Single Trip

    Silver

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    75

    75

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    5,000

    5,000

    1,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    25,000

    25,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    2,000

    2,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    250

    250

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    250

    250

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    500

    500

    300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    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

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    25,000

    25,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    500

    500

    300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    1,000

    1,000

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    500

    500

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

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

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    500

    500

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    Y

    Y

    N

Sample Quotes from Fit4Travel Insurance.

Listed below are some Sample Quotes offered by Fit4Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Family

Age: 40 - 49

Trip Days: 21

Fit4 Travel Insurance Review
Product Rating

Experience Rating

Platinum

75

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Individual

Age: 50 - 59

Trip Days: 7

Fit4 Travel Insurance Review
Product Rating

Experience Rating

Silver

150

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 750

Delayed Departure 100

Baggage 1,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Couple

Age: 50 - 59

Trip Days: 365

Fit4 Travel Insurance Review
Product Rating

Experience Rating

Platinum

75

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 40 - 49

Trip Days: 365

Fit4 Travel Insurance Review
Product Rating

Experience Rating

Platinum

75

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000