Marks & Spencer Travel Insurance Review

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

Who are Marks & Spencer Travel Insurance

Marks and Spencer one of the UK's most famous retailers provides finance and insurance through their arm M&S Bank, launched in 2012.

You can take advantage of a 15% discount when you purchase either single trip or annual multi-trip travel insurance online. With no upper age limit on single trips to anywhere other than the USA, Canada or Carribean Islands (limited to 80 years of age) and cancellation cover of up to £6,000, M&S have a policy to cover most eventualities. With the backing of well known Insurer Axa Insurance UK Plc, check out our review to what we think about their policies.

How to Buy Travel Insurance from Marks & Spencer Travel Insurance

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

How Marks & Spencer 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 Marks & Spencer Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Marks & Spencer Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Single Trip Standard:

Marks & Spencer Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Marks & Spencer Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Marks & Spencer Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Annual Standard:

Marks & Spencer Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Marks & Spencer 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 Marks & Spencer Travel Insurance's policy wording

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

Your dependents who are under the age of 18, or under 22 if in full time education.

2. What are the policy age limits?

At time of purchase:-

  • Annual: Europe or Worldwide excluding USA, Canada and Caribbean  aged 80 and under
  • Annual: Worldwide including USA, Canada and Caribbean  aged 70 and under
  • Single Trip: Europe or Worldwide excluding USA, Canada and Caribbean  No age limit
  • Single Trip: Worldwide including USA, Canada and Caribbean aged 80 and under

3. What are the policy Trip Duration limits?

Trip duration for Single Trips is up to 120 days,  Annual Trip duration per trip 31 days as standard, but can be increased to 60 days.

4. What are the options for Winter Sports cover?

Winter sports can be included on single trips (for the duration of the trip) and on annual policies for up to a maximum of 17 days.

Marks and Spencer automatically cover 24 wintersports including skiing and snowboarding off-piste with a guide.

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

A policy may only be taken out by a single adult, a couple or family (including single parent families).

Family means up to two adults and any number of their children, step children or foster children aged under 18 (or aged under 22 if in full time education), accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination. The children are only insured when travelling with one or both of the insured adults (or when accompanied by another responsible adult) but under annual multi trip cover either adult is also insured to travel on his or her own.

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 and you require medical treatment you must enrol with a local Medicare office.

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

There are in excess of 80 Sports & Activities covered as standard on this policy, some are * starred that exclude Personal Liability. There are approximately 20 activities specifically excluded.

It is important that you check the list of activities excluded, 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 the Insurer shall not cover you for claims arising from you drinking too much alcohol, or you are suffering from alcohol dependence or directly or indirectly from the symptoms of alcohol withdrawal resulting in a claim.

They do not expect you to avoid alcohol, but will not cover any claims that arise because you have drunk so much alcohol, that your judgement is seriously affected and you have to make a claim as a result

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

Can be purchased as an additional option.

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

Pre-existing medical conditions are covered, provided that these are declared and accepted in writing by the Insurance Provider.  It is important that you disclose all medical conditions during the online process.

We would recommend you get written approval and acceptance for your medical condition prior to agreeing to take out any policy.

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?

Policy states, for Emergency Medical you are not covered for "Normal pregnancy, without any accompanying bodily injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event".

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 is excluded on this policy.

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?

In all circumstances, receipts will be necessary in the event of a claim.  Policy states “We may refuse to reimburse you for any expense for which you cannot provide receipts or bills or any property which you cannot provide proof of ownership for such as an original receipt, a valuation, original user manual or bank or credit card statements.

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 claims arising directly or indirectly from an act of Terrorism. This exclusion does not apply to losses under Section B Emergency medical and other expenses, Section C Hospital benefit and Section D Personal accident 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?

Can be purchased as an additional option

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 resident in the UK.

Marks & Spencer Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on marks-spencer-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 Marks & Spencer 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 Marks & Spencer Policies

We've highlighted Pro's and Cons for Marks & Spencer , 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 Marks & Spencer Travel Insurance.

  • 15% discount for buying a policy online
  • No upper age limit on single trips to Europe or Worldwide, excluding the USA, Canada and the Caribbean
  • Pre existing medical conditions can be underwritten online during the quotation process
  • No cover for Groups of more than one individual
  • End Supplier failure not covered as standard
  • Standard excess is £100

What Cover do Marks & Spencer 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

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    4,000

    4,000

  • 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

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

  • 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

    250

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    150

    150

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    150

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    600

    600

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    4,000

    4,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    4,000

    4,000

  • 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

    0

    0

  • 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

    Y

    Y

  • 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

    N

    N

Sample Quotes from Marks & Spencer Travel Insurance.

Listed below are some Sample Quotes offered by Marks & Spencer Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 7

Marks & Spencer  Travel Insurance Review
Product Rating

Experience Rating

Standard

100

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 150

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 71 - 75

Trip Days: 7

Marks & Spencer  Travel Insurance Review
Product Rating

Experience Rating

Standard

100

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 150

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Individual

Age: 40 - 49

Trip Days: 365

Marks & Spencer  Travel Insurance Review
Product Rating

Experience Rating

Standard

100

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 150

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Couple

Age: 50 - 59

Trip Days: 365

Marks & Spencer  Travel Insurance Review
Product Rating

Experience Rating

Standard

100

Medical Expenses 10,000,000

Cancellation 4,000

Missed Departure 600

Delayed Departure 150

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000