GlobeLink Travel Insurance Review

GlobeLink  Travel Insurance Review

GlobeLink 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 GlobeLink Travel Insurance 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 GlobeLink and who underwrites their policies?

Globelink is a trading name of Globelink International Travel Insurance Consultants Ltd. They are an independent insurance agency/brokerage serving the insurance needs of the travel community. Globelink are Authorised and Regulated by the Financial Conduct Authority firm reference 300144.

Travel insurance has been arranged by All Seasons Underwriting Agencies Limited (ASUA) of Alpi House, Suite 2, East Wing,2nd Floor, Miles Gray Road, Basildon, Essex, SS14 3HJ and is underwritten by Lloyd's Syndicate 4444, which is managed by Canopius Managing Agents Ltd.

With single trip policies available to anyone up to the age of 84 and comprehensive cover starting from £18.17, Wintersports cover included free of charge up to 17 days with the 45 days multi trip policy. We recommend you read the 27 page policy document carefully and note the important points in our review before making any decision.

GlobeLink Travel Insurance Policies are Underwritten By Lloyds Syndicate 4444

How GlobeLink 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 GlobeLink Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from GlobeLink Travel Insurance, they are Comprehensive, Regular, Economy, we have rated these as follows:-

Rating for Single Trip Comprehensive:

Rating for Single Trip Regular:

Rating for Single Trip Economy:

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

Backpacker Policy Ratings Click to Expand

We have reviewed 2 Backpacker Policies from GlobeLink Travel Insurance, they are Globetrekkers standard Plus, Globetrekkers Standard , we have rated these as follows:-

Rating for Backpacker Globetrekkers standard Plus:

Rating for Backpacker Globetrekkers Standard :

Backpacker Travel Insurance Guide here
GlobeLink Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from GlobeLink Travel Insurance, they are Annual, we have rated these as follows:-

Rating for Annual Annual:

Annual Travel Insurance Guide here
GlobeLink Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

GlobeLink 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 GlobeLink Travel Insurance's travel policy wording

1

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

Your children, under the age of 18 on the date you purchase your policy, must reside with adults travelling on the policy. All children under the age of 16 are only insured when travelling with one or both of the insured adults.

2

What are the policy age limits?

At time of purchase:-

Single Trip Policies: 84 years or under

Annual Multi-Trip policies: 74 years or under.

Winter Sports Policies: 65 years or under

Backpacker Policies: 51 years or under

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration on Economy or Regular Stay policy cover is up to 60 days.  On Comprehensive Policies you can choose, 8, 17 or 24 days or from 1 month up to 15 months at a time.

Annual Trip, Trip Duration. Aged up to 65’s have the option to take trips from 31, 45, 60, 90 and up to 120 days at a time within a 12 month period.  If you are aged 66 to 70 the maximum duration per trip is 60 days.  If you are aged 71 to 74 the maximum trip duration is 31 days.

Backpacker Trip, Trip Duration is up to 15 months, though there is an extension available to increase this to 18 months.  Backpacker also has the option of Return Home extension. Return Home option allows you to travel home on up to two trips to your country of residence within the European Union during the period of insurance

4

What are the options for Winter Sports cover?

Winter Sports Cover can be included on your policy.  On Annual Multi Trip Policies of 45 days plus, per trip, Winter Sports is included Free for 17 days per policy period.  Winter Sports option on a Single Trip Policy covers for the entire duration of your trip.

The policy lists 31 winter sports activities covered as standard. All skiing and snowboarding activities are covered as long as you remain within the boundaries of a recognised resort, designed for public use and are not skiing or snowboarding in areas marked out of bounds or hazardous.

 

5

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

A policy can be taken out by up to 20 individuals in each age banding, although there is no premium discount for more than one person insuring under the same policy.

Family, one to two adults and their children (classed as individuals 2-15 yeas, infants are classed as under 2 years).

6

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

EHIC not mandatory but advised if travelling to the EU. The policy does not state whether you must enrol in Medicare if Travelling to Australasia, however we would recommend that you take advantage of any reciprocal health agreements available.

7

What is covered under Sports and Activities on the policy?

Sports and Activities are split into Categories 1 to 4.  There are approximately 80 activities included as standard in Category 1, and a further 15 covered in Category 2, subject to No Cover under Personal Liability and Personal Accident, plus an increased excess to £100. 

You can purchase additional activities in Category 3 (subject to an increased excess of £150)  and 4 (subject to an increased excess of £500) and payment of an additional premium.  Both Categories 3 and 4 would be considered hazardous, including activities such as Black Water Rafting, Bobsleigh, Cave Diving.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states you will not be covered in the event of “Suicide, drug use, alcohol or solvent abuse and putting yourself at needless risk: Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, drug use (other than drugs taken in accordance with treatment prescribed and directed by a medical practitioner, but not for the treatment of drug addiction), and putting yourself at needless risk (except in an attempt to save human life).”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Covered under Comprehensive Cover only and Comprehensive with Winter Sports added.

10

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

Globelink Travel do offer cover for some pre-existing conditions, you can find these on their website listed under “Existing Medical Conditions” menu option.   If your pre-existing condition is not on there you can call them to discuss if your condition could be considered.

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

11

What are the policy rules on travelling when pregnant?

Policy States you will not be covered for “Pregnancy, without any directly related bodily injury, illness, disease or complication is not insured by this policy.  This insurance is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth and pregnancy would not constitute an unforeseen event or illness.  Claims arising from child birth if you have travelled within 12 weeks of the due date will not be insured by this policy.  If after taking out this insurance you discover you are pregnant and will be travelling within 12 weeks of the due date we will insure you under Section A - Cancellation provided you cancel your trip within 14 days of becoming aware of the pregnancy term.  Should you not wish to cancel the trip we will refund your premium provided you have not already travelled or made a claim.”

12

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

Manual Work is specifically excluded under this policy.  This does not include voluntary work which is covered although Personal Liability cover is excluded.

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?

You will be expected to provide evidence of ownership and value (such as receipts) in the event of a claim.

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?

Policy states you are not covered for “War or acts of terrorism: However, this exclusion shall not apply to losses under Section B  Emergency medical and other expenses, Section B1  Hospital confinement benefit and Section C Personal accident, unless such losses are caused by nuclear, chemical or biological attack, your participation in active war, or the disturbances were already taking place at the beginning of any trip.”

15

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

Covered under Comprehensive Cover only and Comprehensive with Winter Sports added.

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.

GlobeLink 's 'User Friendly' Rating

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

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

  • Free Winter Sports cover on certain Annual multi-trip policies
  • Comprehensive single trip policy available for up to 15 months
  • Airline and End Supplier Failure included as standard on all Comprehensive policies
  • No online medical under writing of pre-existing conditions

What Cover do GlobeLink policies offer.

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

    Comprehensive

    Single Trip

    Regular

    Single Trip

    Economy

    Single Trip

    Annual

    Annual

    Globetrekkers standard Plus

    Backpacker

    Globetrekkers Standard

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    40

    40

    50

    40

    40

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    5,000,000

    10,000,000

    5,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    4,000

    1,500

    1,500

    4,000

    1,500

    1,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    10,000

    0

    25,000

    10,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    1,000

    0

    3,000

    1,000

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    150

    0

    300

    150

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    150

    0

    300

    150

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    250

    0

    750

    250

    0

  • 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

    5,000

    0

    10,000

    5,000

    0

  • 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

    3,000

    0

    0

    3,000

    0

    0

  • 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

    750

    250

    0

    750

    250

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    100

    100

    200

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    0

    0

    150

    150

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    0

    0

    100

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    300

    300

    1,000

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    300

    0

    0

    300

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    0

    0

    500

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    0

    0

    3,000

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    3,000

    0

    0

    3,000

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    500

    0

    0

    200

    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

    500

    0

    0

    500

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    3,000

    0

    0

    3,000

    0

    0

  • 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

    Y

    N

    N

    Y

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    N

    N

    Y

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    N

    N

    Y

    N

    N

  • 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

    Y

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    Y

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    Y

    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

    Y

    N

    N

    Y

    N

    N

Sample Quotes from GlobeLink Travel Insurance.

Listed below are some Sample Quotes offered by GlobeLink Travel Insurance (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

Individual

Age: 71 - 75

Trip Days: 7

GlobeLink  Travel Insurance Review
That's Insurance Rating

Customer Rating

Comprehensive

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 1,000

Delayed Departure 100

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 10,000

Single Trip

Worldwide

Family

Age: 18 - 29

Trip Days: 14

GlobeLink  Travel Insurance Review
That's Insurance Rating

Customer Rating

Regular

40

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 300

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 5,000

Single Trip

Worldwide

Couple

Age: 60 - 64

Trip Days: 21

GlobeLink  Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

40

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 300

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

GlobeLink  Travel Insurance Review
That's Insurance Rating

Customer Rating

Annual

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 1,000

Delayed Departure 100

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Worldwide

Couple

Age: 50 - 59

Trip Days: 365

GlobeLink  Travel Insurance Review
That's Insurance Rating

Customer Rating

Annual

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 1,000

Delayed Departure 100

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 30 - 39

Trip Days: 365