John Lewis Travel Insurance Review

John Lewis  Travel Insurance Review

John Lewis 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 John Lewis 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 John Lewis and who underwrites their policies?

John Lewis the retail giant best known for their slogan 'Never knowingly undersold', now offer all types of Insurance as well. John Lewis Insurance, work with a panel of insurers to offer a full range of insurance products. Travel Insurance is underwritten by Ageas Insurance Ltd.

John Lewis are currently offering up to a 20% discount when purchasing online and with nine out of ten customers recommending their travel insurance, its definitely worth a look.

John Lewis Travel Insurance Policies are Underwritten By Ageas Insurance

How John Lewis 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 John Lewis Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from John Lewis Travel Insurance, they are Premier, Plus, Essential, we have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Plus:

Rating for Single Trip Essential:

Single Trip Travel Insurance Guide here
John Lewis Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
John Lewis Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from John Lewis Travel Insurance, they are Essential, Plus, Premier, we have rated these as follows:-

Rating for Annual Essential:

Rating for Annual Plus:

Rating for Annual Premier:

Annual Travel Insurance Guide here
John Lewis Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

John Lewis 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 John Lewis Insurance'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 or 21 or under if in full time education.

2

What are the policy age limits?

At time of purchase:-

No age limit for Single Trip

74 or under for Annual Multi Trip

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 180 days, this reduces to 31 days if you are over 65. Annual Trip, Trip Duration is 31 days as standard (45 or 60 days if you pay an additional premium).

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added for the entire duration of your single trip and for up to 24 days on your Annual Trip.

21 winter sports activities are covered as standard, included off-piste skiing and snowboarding (provided you are accompanied by a qualified guide or instructor. 

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 who are living together or a family.

Family means up to two adults under 65 living at the same address who are married or living together as if they are married, and up to nine dependent children (son, daughter, grandchild, step child, foster child) under 18 or 21 or under if in full time education.

Groups of more than one individual are not available.

6

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

If you need to make a claim in a European country and make use of the EHI Card, any medical expenses claim that is reduced as a result of the card will have the excess waived.

 

7

What is covered under Sports and Activities on the policy?

Check the policy schedule, there are 110 activities listed as standard, with additional packs including winter sports available with the payment of an additional premium. Some activities have conditions listed, where applicable these are listed beside the activity.

8

What are the policy Alcohol Exclusion terms?

Policy states “The effect of your alcohol, solvent or drug dependency or long term abuse, or you being under the influence of alcohol, solvents or drugs, or doing anything as a result of using these substances  (this excludes drugs prescribed by a GP, unless they are for the treatment of drug addiction).”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Covered under Plus and Premier Policies.

10

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

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

Medical conditions can be underwritten online at the point of sale, without the need to phone any medical screening centre.

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?

The insurer does not state any conditions in relation to pregnancy, therefore if you are pregnant we would recommend that you clarify this with the Insurance Provider.

12

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

Manual Labour is excluded for this policy. Manual work is defined as any work that involves working at heights of more than 2 metres and/or the use of physical labour, including but not limited to construction, installation, assembly, building work and any work involving the use of heavy machinery or specialist equipment.

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?

Receipts and/or proof of ownership are required to support your 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.

Note unlike most policies claims are settled on a new for old basis.

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 under Plus and Premier Policies.

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. You must not have spent more than 6 months abroad in the last 12 months.  You should be registered with a GP in the UK.

John Lewis 's 'User Friendly' Rating

That's Insurance have reviewed John Lewis '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 John Lewis 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 John Lewis Travel Policies

We've highlighted Pro's anc Cons for John Lewis , 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 John Lewis Insurance.

  • No age limit in respect of single trip travel insurance
  • Premier policies awarded our four star rating
  • 110 Leisure and Sporting activities covered as standard
  • Pre-existing medical conditions can be underwrriten online at the point of sale
  • Plus and Premier policies include cover for End Supplier Failure as standard
  • Plus and Premier policies include cover for Catastrophe as standard
  • New for old settlement on baggage claims

No Con's

What Cover do John Lewis policies offer.

We've listed below cover levels for policies offered by offered by John Lewis 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

    Premier

    Single Trip

    Plus

    Single Trip

    Essential

    Single Trip

    Essential

    Annual

    Plus

    Annual

    Premier

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    60

    100

    100

    60

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    2,000,000

    2,000,000

    5,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    8,000

    5,000

    1,000

    1,000

    5,000

    8,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    25,000

    0

    0

    25,000

    50,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    1,500

    500

    500

    1,500

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    800

    500

    0

    0

    500

    800

  • 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

    50,000

    25,000

    0

    0

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    750

    300

    300

    750

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    150

    0

    0

    150

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    600

    400

    300

    300

    400

    600

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    600

    0

    0

    600

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    200

    0

    0

    200

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    0

    0

    0

    0

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    1,500

    0

    0

    1,500

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    500

    1,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge 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

  • Mugging
    Mugging Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    500

    1,000

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • 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

    Y

    N

    N

    Y

    Y

Sample Quotes from John Lewis Insurance.

Listed below are some Sample Quotes offered by John Lewis 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 (Excluding USA & Canada)

Couple

Age: 40 - 49

Trip Days: 21

John Lewis  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 8,000

Missed Departure 1,000

Delayed Departure 600

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Europe

Individual

Age: 50 - 59

Trip Days: 7

John Lewis  Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 300

Baggage 500

Personal Accident 0

Personal Liability 2,000,000

Legal Expenses 0

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 21

John Lewis  Travel Insurance Review
That's Insurance Rating

Customer Rating

Plus

60

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 600

Delayed Departure 400

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Individual

Age: 60 - 64

Trip Days: 365

John Lewis  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 8,000

Missed Departure 1,000

Delayed Departure 600

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

John Lewis  Travel Insurance Review
That's Insurance Rating

Customer Rating

Premier

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 8,000

Missed Departure 1,000

Delayed Departure 600

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 60 - 64

Trip Days: 365

John Lewis  Travel Insurance Review
That's Insurance Rating

Customer Rating

Plus

60

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 600

Delayed Departure 400

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from John Lewis Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for John Lewis - No Current Discount Codes

Visit John Lewis Insurance's Website and Get a Quotation direct

Customer Reviews of John Lewis Insurance

No Customer Reviews Found

We hope that you have found this John Lewis Travel Insurance Review helpful. If you have experience of John Lewis Insurance, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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