Journeyman Travel Insurance Review

Journeyman 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 Journeyman Services and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Journeyman Travel Insurance

Established in 1996 as a medical insurance specialist broker, Journeyman services have established a flexible travel insurance, which will allow you to insure yourself from any country in the world travelling to any other country in the world.

Policies are underwritten by Optimum Global Insurance and Emergency Assistance is provided by Axa PPP Healthcare Ltd.

How to Buy Travel Insurance from Journeyman Services

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

How Journeyman 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 Journeyman Services.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Journeyman Travel Insurance. They are - single trip. We have rated these as follows:-

Rating for Single Trip Single trip:

Journeyman Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Journeyman Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Annual Travel:

Journeyman Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Journeyman 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 Journeyman Services's policy wording

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

Journeyman services define children as those under the age of 21 dependent and in full time education, travelling with the insured adults.

2. What are the policy age limits?

The maximum age limit of either policy is 79 years of age.

3. What are the policy Trip Duration limits?

The single trip policy has a maximum trip duration of 30 days.

The annual multi trip policy allows for unlimited trips per policy year, provided each trip lasts no longer then 90 days.

4. What are the options for Winter Sports cover?

Winter sports can be included and covered for up to 60 days in the aggregate per policy year. The policy does not mention what activities are covered.

The general exclusions section of the policy mentions Journeyman Services "Will not pay claims relating directly or indirectly to skiing off piste or any other winter sports activity carried out off-piste"

However the Optional winter sports cover section of the policy discusses off piste as follows:

  • For your protection, and to ensure continuity of the insurance cover we have drawn up the following guidelines:
  • You must observe the rules of the resort or area. If in doubt, you should follow the advice of the local guides or instructors.
  • Where off-piste is only allowed in the company of a guide, the guide's advice should be strictly followed.
  • If you are inexperienced, you should not go off-piste except under the supervisions of a guide.
  • You must exercise common snese and follow senisble local practices.

We strongly recommend that if you plan to go skiing, you contact the Insurer direct for clarification of what is actually covered.

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

A policy may only be taken out by one or two adults and up to four children.

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

If you are travelling to a European Country on your trip, Journeyman recommend that you carry a European Health Insurance Card and when travelling to Australia and New Zealand they advise you to register under the National Medicare scheme if you have to go to hospital.

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

The policy covers 56 different sports and leisure pursuits as standard, activities like snorkelling, scuba diving down to 15 metres and surfing, although it doesn't mention swimming.

The policy advises that anything not on the list is not covered, so again we recommend it would be sensible to clarify with the Insurer direct, whether you are covered for specific activities.

8. What are the policy Alcohol Exclusion terms?

The Journeyman policy excludes any claim arising directly or indirectly from you being under the influence 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?

The policy excludes all pre-existing medical conditions.

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

The policy does not mention pregnancy.

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

Journeyman exclude cover if you engage in Manual Labour, which the policy defines as:

"Work involving the following or similar occupation: hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant or the undertaking of any trade of plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or manual labour of any kind, work in the armed forces".

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

To support a claim for lost, damaged or stolen items, you will be required to provide receipts showing the purchase price and date of purchase.

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

The Journeyman policy excludes any loss caused directly or indirectly from war and any act of terrorism.

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

The policy covers up to £1,000 if you are forced to move accommodation as a result of a catastrophe.

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

The policy will cover you from any country of residence.

Journeyman Services's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on journeyman-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 Journeyman 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 Journeyman Policies

We've highlighted Pro's and Cons for Journeyman, 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 Journeyman Services.

  • Trip duration under the annual multi-trip policy is 90 days per trip as standard.
  • The Winter sports option can be included for up to 60 days per policy year as standard
  • Cover available from any country of residence
  • The policy only covers 56 sports and leisure activities as standard.
  • No cover for scheduled airline failure
  • All Pre-existing medical conditions are excluded with no option to cover them

What Cover do Journeyman 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

    single trip

    Single Trip

    Annual Travel

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    55

    55

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    6,500,000

    6,500,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    6,500

    6,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    350

    350

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    350

    350

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,300

    1,300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,500,000

    2,500,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    13,000

    13,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,300

    1,300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    650

    650

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,300

    1,300

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    650

    650

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,300

    1,300

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

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

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    650

    650

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

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

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

Sample Quotes from Journeyman Services.

We are currently Awaiting Details of quotes for this provider.

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