Insuremytravel Travel Insurance Review

Insuremytravel Travel Insurance Review

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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 Insuremytravel.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 Insuremytravel Travel Insurance

Insure My Travel is owned and run by CETA Insurance Ltd, a national network of intermediaries with more than 4,000 members in the UK.

Insuremytravel insurance policies are arranged by CETA Limited and underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

We strongly recommend reading the 30 page policy booklet and summary of cover, together with our review and compare policies so that you are able to make an informed choice in respect of your travel insurance.

How to Buy Travel Insurance from Insuremytravel.co.uk

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

How Insuremytravel 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 Insuremytravel.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Insuremytravel Travel Insurance. They are - Five Star - Four Star - Three Star. We have rated these as follows:-

Rating for Single Trip Five Star:

Rating for Single Trip Four Star:

Rating for Single Trip Three Star:

Insuremytravel Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Insuremytravel Travel Insurance. They are - Backpacker. We have rated these as follows:-

Rating for Backpacker Backpacker:

Insuremytravel Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Insuremytravel Travel Insurance. They are - Five Star - Three Star - Four Star. We have rated these as follows:-

Rating for Annual Five Star:

Rating for Annual Three Star:

Rating for Annual Four Star:

Insuremytravel Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Insuremytravel 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 Insuremytravel.co.uk's policy wording

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

Children are those that are dependent and under the age of 18.

2. What are the policy age limits?

The policy age limits are 75 years in respect of all single and annual travel policies (65 for wintersports cover) and 45 years in respect of backpacker policies.

3. What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 365 days. An annual policy allows for an unlimited number of trips throughout the policy year, provided each trip lasts no longer than 31 days.

A backpacker policy can be taken out for up to 18 months.

 

 

4. What are the options for Winter Sports cover?

The winter sports option is available to those under the age of 65. In respect of single trips, it is for the length of the trip. In respect of multi trip policies it is for a maximum of 17 days in the 12 month period.

Winter sports covers cross country skiing, mono skiing, off-piste skiing or snowboarding (only in areas designated safe by the resort management), recreational racing, skiing, snowboarding, snow sledging and snowmobiliing sa a passenger with a tour guide.

 

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

A policy can be taken out by a single person, a couple, a family (two adults in a relationship) and up to a maximum of eight children, or a group of up to ten individuals. (There is no premium discount for more than one person covering themselves under the same policy(

 

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

When travelling to a European country, you should obtain a European Health Insurance Card. This will allow you to benefit from reciprocal agreements and if a medical expenses claim is reduced as a result of the card, the excess will be waived.

If travelling to Austalia and you need to go to hospital, you must registers for and make use of treatment offered under the national Medicare scheme. You can enrol for medicare at a DHS service centre.

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

The policy automaticall covers 58 sporting and leisure activties. Check the policy for a breakdown of the activities

8. What are the policy Alcohol Exclusion terms?

All policies exclude claims for you being under the influence of or in connection with the use of alcohol.

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

Not covered.

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

Pre existing medical conditions are not covered under the policy. You are however now able to declare conditions online during the qtuoation process.

If you do not declare a medical condition, then you will not be covered in the event of a claim arising from that condition.

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

The policy is not intended to cover normal costs associated with pregnancy, including but not limited to delivery by caesarean section or other surgical form of delivery. The policy does cover you should complications arise from your pregnancy due to your injury or illness which occurs whilst on your trip.

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

The policy does not cover you being in any form of manual employment whilst on your trip, although there is no definition of manual employment.

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

The maximum amount that will be paid for any item that you cannot supply proof of purchase or proof of ownership is £60 up to a maximum of £300 for all such items.

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

War and Terrorism as defined by the terrorism act 2000 are excluded under the policy.

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

Not covered

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

Only persons who have been resident in the United Kingdom for at least six months prior to purchase of a policy and those registered with a GP are eligible for a policy.

Insuremytravel.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insure-my-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 Insuremytravel 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 Insuremytravel Policies

We've highlighted Pro's and Cons for Insuremytravel, 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 Insuremytravel.co.uk.

  • A single trip policy may be taken out for up to 365 days
  • Online Screening of medical conditions now available
  • No cover for scheduled airline or end supplier failure
  • No cover for Catastrophe or Natural Disaster

What Cover do Insuremytravel 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

    Three Star

    Annual

    Four Star

    Annual

    Five Star

    Annual

    Five Star

    Single Trip

    Four Star

    Single Trip

    Three Star

    Single Trip

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

    50

    50

    50

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

    2,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    3,000

    5,000

    5,000

    3,000

    1,500

    1,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    50,000

    50,000

    25,000

    10,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,750

    2,500

    2,500

    1,750

    1,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    250

    300

    300

    250

    200

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    250

    400

    400

    250

    200

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    500

    500

    500

    250

    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

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    25,000

    50,000

    50,000

    25,000

    15,000

    10,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    50,000

    50,000

    25,000

    10,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    500

    500

    500

    250

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    750

    1,000

    1,000

    750

    500

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    150

    200

    300

    300

    200

    150

    150

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    225

    300

    300

    225

    150

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    750

    1,000

    1,000

    750

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    250

    400

    400

    250

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    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

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

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

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Insuremytravel.co.uk.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 65 - 70

Trip Days: 7

Insuremytravel Travel Insurance Review
Product Rating

Experience Rating

Five Star

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 100

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Individual

Age: 71 - 75

Trip Days: 7

Insuremytravel Travel Insurance Review
Product Rating

Experience Rating

Three Star

50

Medical Expenses 2,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 365

Insuremytravel Travel Insurance Review
Product Rating

Experience Rating

Three Star

50

Medical Expenses 2,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 365

Insuremytravel Travel Insurance Review
Product Rating

Experience Rating

Four Star

50

Medical Expenses 5,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 100

Baggage 1,750

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 26 - 29

Trip Days: 90

Insuremytravel Travel Insurance Review
Product Rating

Experience Rating

Backpacker

50

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Europe

Individual

Age: 30 - 39

Trip Days: 365

Insuremytravel Travel Insurance Review
Product Rating

Experience Rating

Backpacker

50

Medical Expenses 5,000,000

Cancellation 1,500

Missed Departure 500

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000