JS Travel Insurance Review

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

Who are JS Travel Insurance

JS Insurance known as Jade Stanley Ltd was setup in 1999, to provide online specialist travel insurance. They are authorised and regulated by the FSA Financial Services Authority. All their travel policies are now underwritten by White Horse Insurance Ireland, who are authorised by the Central Bank of Ireland. They also own and operate www.ski-insurance.co.uk and www.boardsure.com.

With four levels of cover to choose from JS Insurance offer a wide range of cheap and competitive travel insurance options. Read our review and their 45 page policy document carefully to find out what they have to offer.

How to Buy Travel Insurance from JS Insurance

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

How JS 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 JS Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from JS Travel Insurance. They are - Superior - Essential Plus - Essential - Standard. We have rated these as follows:-

Rating for Single Trip Superior:

Rating for Single Trip Essential Plus:

Rating for Single Trip Essential:

Rating for Single Trip Standard:

JS Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 3 Backpacker Policies from JS Travel Insurance. They are - Essential Plus - Essential - Standard. We have rated these as follows:-

Rating for Backpacker Essential Plus:

Rating for Backpacker Essential:

Rating for Backpacker Standard:

JS Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from JS Travel Insurance. They are - Essential Plus - Superior - Essential - Standard. We have rated these as follows:-

Rating for Annual Essential Plus:

Rating for Annual Superior:

Rating for Annual Essential:

Rating for Annual Standard:

JS Annual Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 3 Longstay Policies from JS Travel Insurance. They are - Essential Plus - Essential - Standard. We have rated these as follows:-

Rating for Longstay Essential Plus:

Rating for Longstay Essential:

Rating for Longstay Standard:

JS 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 JS Insurance's policy wording

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

Persons who are dependents who are 23 or under if in full time education and living at home.

2. What are the policy age limits?

At time of purchase:-

74 or under for Single Trip

74 or under for Annual Multi Trip

Up to age 45 for Backpacker.

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 93 days, this reduces to 31 days if you are 65 or over. Annual Trip, Trip Duration is 31 days as standard (or 45 days depending on the premium paid and you are aged 65 or under at the time of purchase).  

Backpacker Trip Duration is up to 365 days.

4. What are the options for Winter Sports cover?

Winter Sports can be added for up to 17 days on your annual policy and for the duration of your Single Trip Policy.

The policy automatically covers 27 winter sport activities including skiing off-piste with a guide.

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

A policy can be taken out by just one person or a Group of up to 50 persons (there is no premium discount for groups)

In addition a policy can be for a couple or a family.

Family Travel Insurance is suitable for Families travelling together. The group usually consists of two Adults and Children (up to the age of 17 years). There is no restriction as to how many Children can be covered, so if you are a large Family of eight, they can still provide cover.

JS Insurance can provide family cover including Children who are 23 years of age, as long as they are still living at home and are in full time education.

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

EHIC not Mandatory but strongly advised if travelling to the EU.  If you are travelling to Australia you should register with Medicare if requiring treatment.

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

Check the policy schedule, Activities are Graded 1 to 4.  Grade 1 activities are included as standard. there are 117 activities listed as standard, with additional packs including winter sports available with the payment of an additional premium. Each activity is listed in a table together with conditions in relation to Medical Expenses Excess increase, Personal Accident cover levels and whether Personal Liability is excluded. 

Additional Grade of Activities when purchased also include all activities in previous Grades, for example Grade 3, will also include Grades 1 and 2.     Grade 4 Activities have an increased Medical Excess to £600. Reduced Personal Accident Sums Insured of -50%. Plus Personal Liability Cover is excluded.

The quotation system asks you to list the activities that you wish to cover Which is fairly time consuming). We are not sure if you miss out an acitivity (even if it is covered as standard) whether it still needs to be mentioned in the schedule. We recommend checking direct with the Insurer if you are not sure.

8. What are the policy Alcohol Exclusion terms?

Policy states “Any claims relating to you drinking too much alcohol, your alcohol abuse or your alcohol dependency. (In respect of you drinking too much alcohol, we do not expect you to avoid alcohol on your trip, but we will cover any claims that occur because you have drunk so much alcohol that your judgement is affected and you need to make a claim as a result).”

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

Covered under Superior Policy Only

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

The JS policy does not provide cover for existing medical conditions. If you wish to include conditions, you will need to contact the specialist medical screening team.

Cover for medical conditions caused because you did not take the recommended inoculations or medication are also excluded.

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

Insurance Provider states “This policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This policy will, however, cover You should complications arise with Your pregnancy which fall within the de?nition of Complications of Pregnancy and Childbirth which occurs during Your Period of Insurance.

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. You are able to do voluntary work teaching within a school or work within an orphanage only (non manual), Bar/Restaurant Work, Fruit Picking or Archeological Digging.

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

Original receipts for items delayed, lost, stolen or damaged must be retained as this will help You to substantiate Your claim. The maximum payment for any Single Article for which an original receipt, proof of purchase or insurance valuation (obtained prior to incident of Your claim) is not supplied is £60, subject to a maximum of £300 for all such items.

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?

Cover is excluded for any act of “War, risk of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, Civil Commotion or unrest assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B ? Emergency medical and other expenses, section C - Hospital bene?t, section D - Personal accident and section T ? Independent traveller cover unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

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

Not Covered under this policy except for Cancellation Cover and Independent Traveller Optional Cover.

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

This policy is only available to You if You are permanently resident in the United Kingdom or the Republic of Ireland and have registered with a Medical Practitioner in the United Kingdom or the Republic of Ireland.

JS Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on js-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 JS 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 JS Policies

We've highlighted Pro's and Cons for JS , 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 JS Insurance.

  • Automatic cover for 27 winter sports activities (if you choose the winter sport option)
  • 117 Sports and Leisure activities covered as standard
  • Pre existing medical condtions can only be included if you contact the medical screening helpline

What Cover do JS 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

    Standard

    Annual

    Essential

    Annual

    Essential Plus

    Annual

    Superior

    Annual

    Superior

    Single Trip

    Essential Plus

    Single Trip

    Essential

    Single Trip

    Standard

    Single Trip

    Essential Plus

    Backpacker

    Essential

    Backpacker

    Standard

    Backpacker

    Essential Plus

    Longstay

    Essential

    Longstay

    Standard

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    125

    100

    100

    75

    75

    100

    100

    125

    100

    100

    125

    100

    100

    125

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,500,000

    5,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

    5,000,000

    2,500,000

    5,000,000

    5,000,000

    2,500,000

    5,000,000

    5,000,000

    2,500,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    0

    2,500

    2,500

    5,000

    5,000

    2,500

    2,500

    0

    2,500

    2,500

    0

    2,500

    2,500

    0

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    7,500

    15,000

    15,000

    30,000

    30,000

    15,000

    15,000

    7,500

    15,000

    15,000

    7,500

    15,000

    15,000

    7,500

  • Baggage
    Baggage Explanation
    Cover Type Icon

    0

    0

    1,500

    2,000

    2,000

    1,500

    0

    0

    1,500

    0

    0

    1,500

    0

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    0

    0

    250

    300

    300

    250

    0

    0

    250

    0

    0

    250

    0

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    0

    0

    250

    300

    300

    250

    0

    0

    250

    0

    0

    250

    0

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    0

    300

    400

    400

    300

    0

    0

    300

    0

    0

    300

    0

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    500,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    500,000

    1,000,000

    1,000,000

    500,000

    1,000,000

    1,000,000

    500,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    15,000

    15,000

    25,000

    25,000

    15,000

    15,000

    0

    15,000

    15,000

    0

    15,000

    15,000

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    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

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,000

    1,000

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    7,500

    15,000

    15,000

    30,000

    30,000

    15,000

    15,000

    7,500

    15,000

    15,000

    7,500

    15,000

    15,000

    7,500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    0

    300

    400

    400

    300

    0

    0

    300

    0

    0

    300

    0

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    300

    600

    600

    1,200

    1,200

    600

    600

    300

    600

    600

    300

    600

    600

    300

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    200

    200

    400

    400

    200

    200

    100

    200

    200

    100

    200

    200

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    500

    1,000

    1,000

    2,000

    2,000

    1,000

    1,000

    500

    1,000

    1,000

    500

    1,000

    1,000

    500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    0

    100

    75

    75

    100

    0

    0

    100

    0

    0

    100

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    100

    100

    200

    200

    100

    100

    0

    100

    100

    0

    100

    100

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    500

    500

    1,000

    1,000

    500

    500

    0

    500

    500

    0

    500

    500

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    100

    200

    200

    100

    0

    0

    100

    0

    0

    100

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    1,000

    1,000

    500

    0

    0

    500

    0

    0

    500

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    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

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    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

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    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

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    500

    1,000

    1,000

    500

    0

    0

    500

    0

    0

    500

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    1,000

    1,000

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    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

    Y

    N

    N

    Y

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

    N

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    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

    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

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    Y

    N

    N

    Y

    N

    N

Travel Insurance

Sample Quotes from JS Insurance.

Listed below are some Sample Quotes offered by JS Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Couple

Age: 30 - 39

Trip Days: 7

JS  Travel Insurance Review
Product Rating

Experience Rating

Essential Plus

100

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 15,000

Single Trip

Worldwide

Individual

Age: 50 - 59

Trip Days: 7

JS  Travel Insurance Review
Product Rating

Experience Rating

Superior

75

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 40 - 49

Trip Days: 365

JS  Travel Insurance Review
Product Rating

Experience Rating

Essential

100

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 100

Baggage 0

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 15,000

Annual

Europe

Couple

Age: 30 - 39

Trip Days: 365

JS  Travel Insurance Review
Product Rating

Experience Rating

Essential Plus

100

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 15,000

Backpacker

Europe

Individual

Age: 40 - 45

Trip Days: 30

JS  Travel Insurance Review
Product Rating

Experience Rating

Essential Plus

100

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 15,000

Backpacker

Worldwide

Individual

Age: 40 - 45

Trip Days: 270

JS  Travel Insurance Review
Product Rating

Experience Rating

Essential Plus

100

Medical Expenses 5,000,000

Cancellation 2,500

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 15,000

Personal Liability 1,000,000

Legal Expenses 15,000

Travel Insurance