Navigator Travel Insurance Review

Navigator 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 Navigator 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 Navigator Travel Insurance

Navigator Travel Insurance is a trading name of Navigator Travel Insurance Services Ltd. They describe themselves as specialists in the travel insurance market. Navigator have four single and annual travel policies, designed to cover work and many sports and hazardous activitites. The  Silver and the the four star rated Gold policy are underwritten by Sirius International Insurance Corporation.The Standard and Plus polices are provided by Voyager Travel Insurance and Underwritten by Travel Insurance Facilities Insured by Union Reiseversicherung AG, UK.

The Navigator Backpacker and Longstay policies are also underwritten by Travel Insurance Facilities and provide cover for those who need to stay away from home for longer periods of time.

How to Buy Travel Insurance from Navigator Travel Insurance

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

How Navigator 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 Navigator Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Navigator Travel Insurance. They are - Gold - Plus - Silver - Standard. We have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Plus:

Rating for Single Trip Silver:

Rating for Single Trip Standard:

Navigator Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

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

Rating for Backpacker Backpacker:

Navigator Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Navigator Travel Insurance. They are - Gold - Silver - Plus - Standard. We have rated these as follows:-

Rating for Annual Gold:

Rating for Annual Silver:

Rating for Annual Plus:

Rating for Annual Standard:

Navigator Annual Insurance Review

Longstay Policy Ratings Click to Expand

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

Rating for Longstay Longstay:

Navigator 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 Navigator Travel Insurance's policy wording

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

Children are those still dependent on adults including foster and adopted, who are age 17 and under (20 and under if in full time education) and living at the same address.

2. What are the policy age limits?

The age limits vary according to the policy you choose.

Navigator Silver 

Both the single trip and annual trip policies have a maximum age at departure restriction of 69 years of age.

Navigator Gold

The single trip policy has no age limit, the annual policy is restricted to those under the age of 75.

Navigator Standard

The single trip policy has no age limit, the annual policy is restricted to those under the age of 75.

Navigator Plus

The single trip policy has no age limit, the annual policy is restricted to those under the age of 75.

Navigator Backpacker

The policy has a maximum age limit of 35

Navigator Longstay

The policy has a maximum age limit of 55

3. What are the policy Trip Duration limits?

The trip durations vary according to the policy you choose.

Navigator Silver 

The single trip policy has a maximum duration of 62 days. The annual travel policy allows for unlimited trips with a single trip of not more than 45 days (can be extended to 62 days).

Navigator Gold

The single trip policy has a maximum duration of 62 days. (this is restricted to 31 days for those aged between 75 - 84, travelling worldwide excluding the USA or Worldwide and 31 days for those of the age of 85 for all areas).

The annual policy allows for unlimited trips, with each trip lasting no more than 45 days (those aged between 70 - 74 are restricted to 31 days)

Navigator Standard

The single trip policy has a maximum duration of 12 months. The annual policy allows for unlimited trips with each trip restricted to 31 days.

Navigator Plus

The single trip policy has a maximum duration of 12 months. The annual policy allows for unlimited trips with each trip restricted to 31 days.

Navigator Backpacker

A policy can be taken out for between two and eighteen months.

Navigator Longstay

A policy can be taken out for between two and eighteen months.

4. What are the options for Winter Sports cover?

Winter sports can be included in the standard, plus, silver or gold policies.

The Standard and Plus policies allow wintersports for the duration of a single trip policy and up to 17 days for annual policies.

The Silver allows those up to the age of 69 and Gold policies allow those up to the age of 74 to take part in wintersports. The single trip policy allows a maximum of 31 days and the annual policy allows a maximum of 21 days.

We recommend checking each policy carefully to make sure any winter sport activities you plan to take part in are specifically covered.

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

A policy may be taken out by an individual, a couple or a family and all their dependent children.

Unlimited individuals can insure themselves as groups, under the silver and gold policies and there are premium discounts for 5 -10 11 - 24 and 25+ persons.

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

The carrying of an EHIC card is strongly recommended when travelling to other European countries, allowing you to benefit from reciprocal health agreements. If the use of the card results in a reduction in any medical expense claim, your excess will be waived.

If travelling to Australia, you must enrol with Medicare on arrival.

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

The Silver and Gold policies list 105 different activities that are automatcially included as standard. They also provide the option to add an additional 36 action and action plus activities with payment of an additional premium.

The standard and Plus policies also list 105 different activities that are automatically included as standard. However they split a further 270 more adventurous activities into additional packs 2 - 8, which an additional premium is required.

If you are planning a holiday which includes extreme sports, then check the standard and plus policies for details of what additional pursuits they can cover you for.

8. What are the policy Alcohol Exclusion terms?

The standard and plus policies exclude claims connected to alcohol a blood alcohol level that exceeds 0.19% - approximately four pints or four 175ml glasses of wine.

The silver and gold policies  also exclude claims arising from alcohol, but go on to state they do not expect you to avoid alcohol, but will not cover any claim arising from excessive alcohol consumption. This means where you have drunk so much, that you have notably impaired faculties and judgement and have to make a claim as a result.

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

The Gold policy covers complete end supplier failure. The Plus policy covers scheduled airline failure only.

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

All the policies exclude pre-existing medical conditions. Conditions can be declared by phoning the Voyager Healthcheck help line. If you do not declare conditions any claims directly or indirectly associated will be excluded.

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

The standard and plus policies include cover for emergency medical expenses for pregnancy from week 0 - week 28 whilst you are away. From the start of week 29 to week 40, there is no cover except where a complication has arisen. See the policy wording for a list of covered complications.

The Silver and Gold policies exclude claims relating to normal pregnancy without any accompanying bodily injury, illness or complication.

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

The Silver and Gold policies exclude manual work described as hands-on use, installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, heavy power tools and industrial machinery, hands on electrical and construction work, or work above two storeys or 3 metres above ground level, building sites, any occupation involving heavy lifting.

The policy will cover purely managerial/supervisory sales or admin, bar, restaurant and catering trade staff, musicians and singers, fruit pickers (who do not use heavy machinery) casual light work, light agricultural work, supervised conservation work and voluntary charity work.

The Standard and Plus policies also exclude manual labour, desribed as work involving the lifting or carrying of heavy items in excess of 25 kg, work at a higher level than two stories, or any form of work underground.

If you are planning to work whilst away, we strongly recommened contacting the Insurer direct to make sure you are fully covered.

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

The Standard and Plus policies state that any item with a purchase price of more than £50 will need to be supported by original proof of ownership. Any items that cannot be supported in this way will be restricted to a maximum of £50 and to an overall limit of £150 for all such items.

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

The Silver and Gold policies exclude claims against war and terrorism except medical expenses that relate to terrorism. Under the gold policy you have the option to purchase enhanced travel disruption which includes full cover against terrorism.

The Standard and Plus policies War and terrorism are excluded with the exception of medical expenses claims.

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

All policies cover alternative accommodation as a result of a catastrophe or natural disaster. The Gold policy allows you the option to purchase enhanced travel disruption cover.

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

You must be permanently resident in the United Kingdom, Channel Islands, Isle of Man, or the European Economic Area and registered with a medical practitioner in your home country. 

Navigator Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on navigator-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 Navigator 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 Navigator Policies

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

  • Single and annual travel gold policy has been awarded our four star rating
  • Standard, Plus and Gold cover has no age limit on single trip policies
  • Group Discounts for Silver and Gold Policies
  • 375 different sporting and leisure activities can be insured under the standard and plus policies
  • No ability to underwrite medical conditions online at the point of sale

What Cover do Navigator 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

    Silver

    Annual

    Plus

    Annual

    Gold

    Annual

    Gold

    Single Trip

    Plus

    Single Trip

    Silver

    Single Trip

    Standard

    Single Trip

    Backpacker

    Backpacker

    Longstay

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    60

    50

    50

    60

    75

    75

    85

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,000,000

    5,000,000

    5,000,000

    20,000,000

    20,000,000

    5,000,000

    5,000,000

    2,000,000

    1,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    2,000

    5,000

    5,000

    5,000

    5,000

    2,000

    1,000

    1,000

    2,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    15,000

    30,000

    30,000

    15,000

    10,000

    5,000

    5,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    10,000

    1,000

    2,000

    2,000

    2,000

    2,000

    1,000

    10,000

    300

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    150

    300

    250

    250

    300

    150

    200

    50

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    300

    300

    500

    500

    300

    300

    200

    50

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    200

    500

    500

    500

    500

    200

    200

    200

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    10,000

    50,000

    20,000

    20,000

    50,000

    10,000

    10,000

    5,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    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

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    1,000

    0

    0

    1,000

    0

    0

    0

    1,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    15,000

    30,000

    30,000

    15,000

    10,000

    5,000

    5,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    200

    500

    500

    500

    500

    200

    200

    200

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    400

    300

    400

    1,000

    1,000

    400

    300

    400

    0

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    350

    100

    350

    350

    100

    350

    100

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    5,000

    2,500

    5,000

    5,000

    2,500

    5,000

    2,500

    3,000

    3,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    150

    100

    200

    200

    100

    150

    100

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    100

    300

    200

    200

    300

    100

    150

    0

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    500

    1,000

    1,000

    500

    500

    500

    0

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    500

    500

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    1,000

    1,000

    500

    0

    0

    0

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    3,000

    3,000

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    1,000

    0

    0

    1,000

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    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

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    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

  • Cruise
    Cruise Explanation
    Cover Type Icon

    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

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    500

    500

    500

    500

    0

    0

    0

    500

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    1,000

    0

    0

    1,000

    0

    0

    0

    1,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    N

    N

    Y

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    Y

    Y

    N

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    Y

    Y

    N

    Y

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    N

    Y

    Y

    Y

    Y

    N

    Y

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

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

    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

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    N

    Y

Sample Quotes from Navigator Travel Insurance.

Listed below are some Sample Quotes offered by Navigator Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 7

Navigator  Travel Insurance Review
Product Rating

Experience Rating

Standard

75

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 150

Baggage 10,000

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide

Couple

Age: 50 - 59

Trip Days: 7

Navigator  Travel Insurance Review
Product Rating

Experience Rating

Standard

75

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 150

Baggage 10,000

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 40 - 49

Trip Days: 365

Navigator  Travel Insurance Review
Product Rating

Experience Rating

Silver

75

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 50 - 59

Trip Days: 365

Navigator  Travel Insurance Review
Product Rating

Experience Rating

Silver

75

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Backpacker

Worldwide

Individual

Age: 18 - 25

Trip Days: 180

Navigator  Travel Insurance Review
Product Rating

Experience Rating

Backpacker

85

Medical Expenses 1,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 300

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000

Backpacker

Worldwide

Individual

Age: 18 - 25

Trip Days: 90

Navigator  Travel Insurance Review
Product Rating

Experience Rating

Backpacker

85

Medical Expenses 1,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 300

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000