InsuraTrip Travel Insurance Review

InsuraTrip Travel Insurance Review

Reviewed by:

With worldwide pandemics an the increasing possibility , 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 InsuraTrip.com and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are InsuraTrip Travel Insurance

Unfortunately, Insuratrip have had to temporarily suspend sales of their travel insurance policies.

InsuraTrip is a trading style of Voyager Insurance Services Limited, a leading travel insurance specialist since 1996. Voyager Insurance Services has an award winning reputation for high quality products at competitive prices; an ethos which has been carried across to InsuraTrip.

InsuraTrip is arranged by Voyager Insurance Services Ltd, on behalf of Travel Insurance Facilities and Insured by the UK and Ireland Branch of URV. In addition to Insuratrip, Voyager are also responsible for Able to Travel and Voyager Travel Insurance.

With four levels of cover to choose from, single trip policies starting from just £6.50 and annual policies from £19.00, Insuratrip have a policy to suit everyones budget.

How to Buy Travel Insurance from InsuraTrip.com

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

How InsuraTrip 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 InsuraTrip.com.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from InsuraTrip Travel Insurance. They are - Premier - Super - Standard - Basic. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Super:

Rating for Single Trip Standard:

Rating for Single Trip Basic:

InsuraTrip Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 2 Backpacker Policies from InsuraTrip Travel Insurance. They are - Backpacker Plus - Backpacker. We have rated these as follows:-

Rating for Backpacker Backpacker Plus:

Rating for Backpacker Backpacker:

InsuraTrip Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from InsuraTrip Travel Insurance. They are - Super - Premier - Basic - Standard. We have rated these as follows:-

Rating for Annual Super:

Rating for Annual Premier:

Rating for Annual Basic:

Rating for Annual Standard:

InsuraTrip Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

InsuraTrip 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 InsuraTrip.com's policy wording

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

Your dependents who are under the age of 18, living at home with you and in full time education

2. What are the policy age limits?

At time of purchase:-

100 or under for Single Trip

74 or under for Multi Trip

35 or under for Backpacker

55 or under for Backpacker Plus

3. What are the policy Trip Duration limits?

Trip duration of up to 365 days for Single Trip Policies and up to 32 days per trip for Annual/Multi Trip Policies. Annual Multi Trip duration is increased to 45 days for a Super annual multi-trip policy and to 62 days on a Premier policy. 

Trip duration for Backpacker/Backpacker Plus of 24 months, additionally you can pay for a Return home extension that covers two return trips home during the period of insurance.

4. What are the options for Winter Sports cover?

Winter Sports Cover can be added for the entire duration of your Single Trip Policy or up to 24 days on Annual Policies.

Important Note: When you include winter sports in your quote, your cover will also be extended to include specialist winter sports gear. If you want to include cover for actual winter sports activities, you will also need to pay for activity pack 3 and if you want to include cover for off-piste skiing with out a guide, you will need to pay for activty pack 6.

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

Policies can be taken out by just one person, couples or families.

Family means “Two adults (or 1 adult for single parent family) and their 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.  ”

There is also the option to add up to ten individuals or groups of 11 or more, up to a maximum of 20.  Note that there is no benefit in respect of a premium discount for insuring more than one individual under a single policy.

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?

Sports and Activities are split into Activity Packs 1 to 8.   Activity Pack 1 lists approximately 150 activities, some are * starred and exclude personal liability and personal accident.

Activity Packs 2 to 8 can be purchased for an additional premium. All sports and activities regardless of additional premium require you to carry them out in an non-professional and non-competitive basis.

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, 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) or 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?

Not Covered under Basic, Standard or Super Cover.  Up to £1500 on Premier Cover.

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

Pre-existing medical conditions are excluded under this policy. You can contact insuratrip healthcheck and obtain a quote over the phone. Failure to declare a condition may invalidate your policy or mean a claim is declined.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure

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

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?

Manual Work of any kind is specifically excluded under the policy, however, Bar Work is allowed under activity pack 1.

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

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

Policy states, you must produce proof of ownership/purchase for any items over £50 in value.

We strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. 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?

You are not covered in respect of any act of terrorism not involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents; i) this exclusion will not apply to personal accident, Emergency Medical Expenses and Repatriation or Hospital Benefit, provided that the Insured Person suffering personal accident, injury or illness has not participated in or conspired in such activities

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

You are not covered as standard, however you can add Catastrophe cover

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

All insured persons must be a resident of the United Kingdom, Channel Islands and British Forces Posted Overseas only.

InsuraTrip.com's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insuratrip-travel-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 InsuraTrip 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 InsuraTrip Policies

We've highlighted Pro's and Cons for InsuraTrip, 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 InsuraTrip.com.

  • Children go free on family policies
  • Single trip policies can be taken out by anyone up to the age of 100
  • Medical Conditions cannot be quoted for online, you must declare them by phoning Insuratrip Health Check

What Cover do InsuraTrip 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

    Basic

    Annual

    Standard

    Annual

    Super

    Annual

    Premier

    Annual

    Premier

    Single Trip

    Super

    Single Trip

    Standard

    Single Trip

    Basic

    Single Trip

    Backpacker

    Backpacker

    Backpacker Plus

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    195

    195

    95

    50

    50

    95

    195

    195

    85

    85

  • 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

    10,000,000

    10,000,000

    1,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    500

    1,000

    5,000

    7,500

    7,500

    5,000

    1,000

    500

    1,000

    2,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    0

    25,000

    25,000

    25,000

    25,000

    0

    0

    5,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    500

    1,000

    2,000

    3,000

    3,000

    2,000

    1,000

    500

    500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    100

    100

    150

    250

    250

    150

    100

    100

    100

    100

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    100

    100

    150

    500

    500

    150

    100

    100

    250

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    200

    250

    300

    300

    250

    200

    200

    200

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    1,500,000

    1,500,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    5,000

    5,000

    10,000

    25,000

    25,000

    10,000

    5,000

    5,000

    5,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,500

    1,500

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    0

    25,000

    25,000

    25,000

    25,000

    0

    0

    5,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    200

    250

    300

    300

    250

    200

    200

    200

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    100

    100

    200

    500

    500

    200

    100

    100

    0

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

    350

    350

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    4,000

    4,000

    4,000

    4,000

    4,000

    4,000

    4,000

    4,000

    4,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    50

    50

    100

    200

    200

    100

    50

    50

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    0

    100

    200

    200

    100

    0

    0

    0

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    100

    100

    250

    500

    500

    250

    100

    100

    0

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    250

    250

    250

    250

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

    2,500

    5,000

    5,000

    2,500

    1,000

    1,000

    0

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    500

    1,000

    1,000

    500

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    200

    300

    300

    200

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    1,000

    1,000

    2,500

    5,000

    5,000

    2,500

    1,000

    1,000

    0

    500

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,500

    1,500

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

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

    N

    N

    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

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

Sample Quotes from InsuraTrip.com.

Listed below are some Sample Quotes offered by InsuraTrip.com

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

InsuraTrip Travel Insurance Review
Product Rating

Experience Rating

Super

95

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 250

Delayed Departure 100

Baggage 2,000

Personal Accident 25,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 21

InsuraTrip Travel Insurance Review
Product Rating

Experience Rating

Super

95

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 250

Delayed Departure 100

Baggage 2,000

Personal Accident 25,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Europe

Family

Age: 18 - 29

Trip Days: 365

InsuraTrip Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 500

Delayed Departure 200

Baggage 3,000

Personal Accident 25,000

Personal Liability 1,500,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 65 - 70

Trip Days: 365

InsuraTrip Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 500

Delayed Departure 200

Baggage 3,000

Personal Accident 25,000

Personal Liability 1,500,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 26 - 29

Trip Days: 270

InsuraTrip Travel Insurance Review
Product Rating

Experience Rating

Backpacker

85

Medical Expenses 1,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 25

Trip Days: 180

InsuraTrip Travel Insurance Review
Product Rating

Experience Rating

Backpacker

85

Medical Expenses 1,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000