Nolimits Travel Insurance Review

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

Who are Nolimits Travel Insurance

No Limits Travel Insurance are currently in the process of changing their Insurer. Whilst this work continues, click here for alternative travel insurance solutions.

No Limits Travel Insurance is a trading name of Early Dawn Ltd, an appointed representative of Ashbourne Insurance Services Ltd. Early Dawn also own Medisafe Travel Insurance

You can choose a single trip policy designed for short trips, or if you travel more frequently an annual multi-trip policy. There are also two levels of cover to choose from Silver or Gold.

How to Buy Travel Insurance from Nolimitstravelinsurance.com

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

How Nolimits 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 Nolimitstravelinsurance.com.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from Nolimits Travel Insurance. They are - Silver - Gold. We have rated these as follows:-

Rating for Single Trip Silver:

Rating for Single Trip Gold:

Nolimits Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Nolimits Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Nolimits Travel Insurance. They are - Silver - Gold. We have rated these as follows:-

Rating for Annual Silver:

Rating for Annual Gold:

Nolimits Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Nolimits 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 Nolimitstravelinsurance.com's policy wording

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

Children are those that are dependent, under the age of 18, living at home and in full time education. They can also be grandchildren, step-children, adopted or foster children.

2. What are the policy age limits?

The maximum age limit on single trip travel insurance is 85 and the maximum age limit on annual travel policies is 75.

3. What are the policy Trip Duration limits?

The No Limits policy only covers you for trips of up to 31 days whether you are making a single trip, or under an annual policy where you are insured to make more than one trip.

4. What are the options for Winter Sports cover?

There is no cover for Winter Sports under the No Limits Policy.

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

A No Limits policy can be insured by one individual, a couple, who are married, common law or in a long standing relationship, familiies which can be one adult (single parent) or two adults and up to eight dependent children, or a group of between two and ten individuals who are travelling together.

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

The European Health Insurance card, allows you to benefit from reciprocal health agreements between EU countries. Medisafe recommend you carry one when travelling to an EU country (including Switzerland). If the card is used to reduce a claim for medical expenses, then the Insurer will waive any medical expenses excess.

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

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

The No Limits policy only covers 25 activities as standard. An additional 17 pursuits can be added under activity pack 2, subject to payment of an additional premium.

8. What are the policy Alcohol Exclusion terms?

The No Limits policy excludes any claim where you are found to be under the influence of alcohol (a blood alcohol level greater than 0.19% which is roughly the same as four pints or four 175ml glasses of wine).

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

There is no cover for Scheduled Airline Failure or End Supplier Failure.

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

Pre-existing medical conditions are automatically excluded, but No Limits allow you to complete a short medical questionnaire online and get an accurate quotation to include them.

You are also able to include virtual UK doctor access, allowing you access to a private UK GP helpine 24 hours a day via phone or video consultation. There is an additional premium charged for this service.

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

The No Limits policy covers emergency medical expenses for pregnancy and childbirth between week zero and week twenty eight. From week twenty nine to week forty, there is no cover relating to normal pregnancy, unless as a result of an unforeseen complication, a list of which is provided in the policy wording.

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 described as "Work involving the lifting or carrying of heavy items in excess of 25kg, work at a higher level than two stories, or any form of work underground", is not covered under the policy.

However non manual labour is covered, and manual/farm work is covered in Activity pack 2, provided work is at ground level only and involves no machinery.

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

Insurers request proof of purchase for any item over the value of £50 which has been lost, damaged or stolen.

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

In respect of all sections apart from emergency medical expenses, there is no cover against war, terrorism, biological or chemical warfare, invasion, act of foreign enemy or any other hostilities.

You can opt to cover yourself against loss of pre paid costs, should you not wish to travel due to an act of terrorism occurring prior to your outbound trael date and within a 40 mile radius of your booked accommodation, or if you have already travelled the pre paid costs, should you wish to return home for the same reason. This is subject to payment of an additional premium.

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

There is no catastrophe cover provided.

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

The No Limits policy is for residents of the United Kingdom and Channel Islands only. This means that you should have your main home in the UK or Channel Islands and have not spent more than six months abroad, prior to taking out a policy.

Nolimitstravelinsurance.com's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on no-limits-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 Nolimits 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 Nolimits Policies

We've highlighted Pro's and Cons for Nolimits, 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 Nolimitstravelinsurance.com.

  • Complete a short online questionnaire and get accurate quotes to include most pre-existing medical conditions
  • Option to include Virtual UK Doctor Access whilst abroad
  • Optional Terrorism Cover Extension
  • No option to include cover for winter sports
  • No cover for scheduled airline or end supplier failure.
  • Only 25 sporting and leisure activities covered as standard.

What Cover do Nolimits 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

    Silver

    Single Trip

    Gold

    Single Trip

    Silver

    Annual

    Gold

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    75

    100

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,250

    3,000

    1,250

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    25,000

    5,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,300

    2,500

    1,300

    2,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    250

    150

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    500

    150

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    150

    250

    150

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    25,000

    10,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    25,000

    5,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    150

    250

    150

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    500

    0

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    250

    100

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    1,000

    100

    1,000

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    500

    250

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    200

    0

    200

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    500

    0

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

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

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    N

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from Nolimitstravelinsurance.com.

We are currently Awaiting Details of quotes for this provider.

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