Holidaysafe Travel Insurance Review

Holidaysafe Travel Insurance Review

Holidaysafe Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Holidaysafe 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.

Our review of Holidaysafe will highlight:
  • Who are Holidaysafe and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Holidaysafe rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Holidaysafe policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Holidaysafe and who underwrites their policies?

Holiday Safe is the trading name of Infinity Insurance Solutions Ltd, (a wholly owned subsidiary of Travel Insurance Facilities Plc, who specalise in first class travel insurance products. Their travel policies are underwritten by Travel Insurance Facilities on behalf of Union Reisevershicherung AG (URV).

Travel Insurance Facilities are the UK representitive of URV. URV is part of Germany's largest bank Group. They are authorised in Germany by BAFin and subject to limited regulation in the UK. Travel insurance facilities are authorised and regulated in the UK by the FCA (Financial Conduct Authority).

Holidaysafe have been awarded Moneyfacts Travel Insurance Providers of the year 2016 and Moneywise Most Trusted Travel Insurance Provider 2016, plus Which's best rate travel insurance . With premiums starting from as little as £4.25, up to the Five Star awarded Premier Platinum policy, its not hard to see why this companies travel insurance policies have won so many awards.

Holidaysafe Travel Insurance Policies are Underwritten By URV

How Holidaysafe have been ranked using our star rating formula. Holidaysafe Star Ratings

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 Holidaysafe.

Single Trip Policy Ratings Click to Expand

There are 4 Single Trip Policies, they are Premier Platinum, Premier Plus, Premier, Standard, we have rated these as follows:-

Thats Insurance Rating for Premier Platinum:

Thats Insurance Rating for Premier Plus:

Thats Insurance Rating for Premier:

Thats Insurance Rating for Standard:

Single Trip Travel Insurance Guide here
Holidaysafe Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are 3 Backpacker Policies, they are Backpacker Platinum, Backpacker Plus, Backpacker, we have rated these as follows:-

Thats Insurance Rating for Backpacker Platinum:

Thats Insurance Rating for Backpacker Plus:

Thats Insurance Rating for Backpacker:

Backpacker Travel Insurance Guide here
Holidaysafe Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 4 Annual Policies, they are Standard, Premier, Premier Plus, Premier Platinum, we have rated these as follows:-

Thats Insurance Rating for Standard:

Thats Insurance Rating for Premier:

Thats Insurance Rating for Premier Plus:

Thats Insurance Rating for Premier Platinum:

Holidaysafe Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are 3 Longstay Policies, they are Longstay Platinum, Longstay Plus, Longstay, we have rated these as follows:-

Thats Insurance Rating for Longstay Platinum:

Thats Insurance Rating for Longstay Plus:

Thats Insurance Rating for Longstay:

Holidaysafe Travel Insurance Review

Holidaysafe's 'User Friendly' Rating

That's Insurance have reviewed '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 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

16 Key Points you need to know about Holidaysafe's travel policy wording

1

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

Persons who are dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

2

What are the policy age limits?

At time of purchase:-

No age limit for Single Trip

79 or under for Annual Multi Trip

75 or under for Backpacker

75 or under for Long Stay.

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 90 days aged up to 65 years, reducing to 31 days aged 66 or over. Annual Trip, Trip Duration is 31 days as standard, this can be increased to 45 or 60 days with the payment of an additional premium.  Long Stay and Backpacker Trip Duration is from 1 to 24 months, with two return trips home of up to 21 days covered as standard.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added to any policy by selecting the appropriate Activity Pack and paying the additional premium.

Unlike other multi trip policies that include winter sports, the Holidaysafe Multi Trip policy has no limit on the total number of days you may ski during the 12 month policy period, as long as any one trip does not exceed 31 days.

5

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

A group can be for as many individuals as required, although there is no premium benefit for insuring more than one person under the same policy.

Family up to 2 adults and any number dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

6

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

EHIC Mandatory if travelling to the EU.  If you are travelling to Australia you must register with Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

Over 100 sporting and leisure activities automatically included in activity pack 1. An additional 240+ activities catered for in packs 2 - 8 (subject to payment of an additional premium)

Check out the policy for a complete list.

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?

Covered under Premier, Premier Plus, Backpacker and Backpacker Plus Policies as follows:-

End Supplier Failure (prior to your departure from the UK) Cover for sums paid in advance in the event of Insolvency of the end supplier associated with your trip which was incurred before your departure date if you have to cancel your trip or if you have already completed the outward journey;

End Supplier Failure (after your departure from the UK) Cover for the extra cost of a one way fare of a standard no greater than the class of journey on the outward journey to allow you to complete the return journey of your trip (to your original departure country within the European Union/EEA country of residence ) as a result of the insolvency or financial failure of the mode of transport on which you are booked to travel causing the transport  on which your trip depends that were subject to your advanced booking being discontinued and you not being offered from any other source any reasonable alternative transport or refund of charges you have already paid.

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?

Policy states “Our 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

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

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 in respect of all sections other than emergency medical expenses, war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

15

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

Covered before and during your holiday

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.

Pro's and Con's for Holidaysafe

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 Holidaysafe.

  • Premier Platinum, Longstay Platinum and Backpacker Platinum receive our five star rating
  • No age limit for single trip policies
  • LongStay and Backpacker cover trips up to two years
  • Annual Multi Trip no limit on the total number of days you can ski (each ski trip limited to 31 consecutive days)
  • Online underwriting of pre existing medical conditions
  • Children Travel Free on family policies
  • 15% discount for buying online

No Con's

What Cover do Holidaysafe policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Holidaysafe and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Premier Platinum

    Single Trip

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Standard

    Single Trip

    Standard

    Annual

    Premier

    Annual

    Premier Plus

    Annual

    Premier Platinum

    Annual

    Backpacker Platinum

    Backpacker

    Backpacker Plus

    Backpacker

    Backpacker

    Backpacker

    Longstay Platinum

    Longstay

    Longstay Plus

    Longstay

    Longstay

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    0

    60

    100

    100

    60

    0

    0

    50

    100

    150

    50

    100

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    5,000,000

    5,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,500

    7,500

    5,000

    1,500

    1,500

    5,000

    7,500

    7,500

    5,000

    3,000

    2,500

    5,000

    3,000

    2,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    30,000

    25,000

    20,000

    5,000

    5,000

    20,000

    25,000

    30,000

    10,000

    7,500

    5,000

    10,000

    7,500

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    3,000

    2,000

    1,500

    1,500

    2,000

    3,000

    3,000

    3,000

    2,500

    1,000

    3,000

    2,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    400

    400

    300

    300

    400

    400

    500

    250

    200

    200

    250

    200

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    400

    400

    300

    300

    400

    400

    500

    600

    500

    300

    600

    500

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    250

    250

    500

    500

    500

    500

    500

    500

    500

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    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

    100,000

    100,000

    50,000

    10,000

    10,000

    50,000

    100,000

    100,000

    50,000

    25,000

    25,000

    50,000

    25,000

    25,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    400

    400

    400

    400

    1,000

    1,000

    1,000

    600

    200

    1,000

    600

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    100

    100

    100

    100

    100

    100

    500

    100

    100

    100

    100

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    250

    100

    100

    100

    100

    250

    250

    250

    150

    100

    250

    150

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    350

    300

    300

    150

    150

    300

    300

    350

    800

    600

    400

    800

    600

    400

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    750

    750

    500

    500

    750

    750

    1,000

    2,000

    1,500

    1,000

    2,000

    1,500

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    300

    0

    0

    0

    0

    0

    0

    300

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    500

    0

    0

    500

    1,000

    1,000

    1,000

    500

    500

    1,000

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    0

    0

    3,000

    3,000

    3,000

    3,000

    1,000

    0

    3,000

    1,000

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    0

    0

    3,000

    3,000

    3,000

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    N

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    Y

    Y

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

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

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    N

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from Holidaysafe.

Listed below are some Sample Quotes offered by Holidaysafe (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 60 - 64

Trip Days: 14

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Europe

Couple

Age: 76 +

Trip Days: 7

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide

Individual

Age: 65 - 70

Trip Days: 7

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 750

Delayed Departure 300

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 100,000

Annual

Europe

Individual

Age: 40 - 49

Trip Days: 365

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Plus

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 750

Delayed Departure 300

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 100,000

Annual

Europe

Individual

Age: 65 - 70

Trip Days: 365

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 150

Baggage 1,500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 60 - 64

Trip Days: 365

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier Platinum

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 350

Baggage 3,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 100,000

Backpacker

Worldwide

Individual

Age: 18 - 25

Trip Days: 30

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker Plus

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,500

Delayed Departure 600

Baggage 2,500

Personal Accident 7,500

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 25

Trip Days: 270

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker Plus

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,500

Delayed Departure 600

Baggage 2,500

Personal Accident 7,500

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide

Individual

Age: 40 - 45

Trip Days: 180

Holidaysafe Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

150

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 400

Baggage 1,000

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Holidaysafe

Visit Holidaysafe's Website and Get a Quotation direct

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