Now Travel Insurance Review

Now 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 Now 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 Now Travel Insurance

Now Travel Insurance Services is a trading name of Less Clicks Limited who are authorised and regulated by the Financial Conduct Authority. The Now Travel policies are underwritten by Travel Insurance Facilities and Insured by URV. You can choose from single trip or annual cover with three levels of cover Essential, Classic and Premier, to suit all pockets.

A single trip policy can be taken out for up to 365 days and you can include cover for Business Golf or Cruise. Medical conditions can be screened online, so there is no need to wait on the phone to receive terms and conditions.

 

How to Buy Travel Insurance from Now Travel Insurance

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

How Now 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 Now Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Now Travel Insurance. They are - Premier - Classic - Essential. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Classic:

Rating for Single Trip Essential:

Now Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Now Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Now Travel Insurance. They are - Premier - Essential - Classic. We have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Essential:

Rating for Annual Classic:

Now Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Now 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 Now Travel Insurance's policy wording

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

Children are dependents under the age of 18, living at home and in full time education.

2. What are the policy age limits?

Single trip policies have an age limit of 75. Annual policies have an age limit of 70.

3. What are the policy Trip Duration limits?

Single trip policies can be taken out for up to 12 momths at a time.

Annual policies allow an unlimited number of trips throughout the year, provided each trip is no longer than 31 days (This can be increased to 45, 61 or 93 provided the appropriate premium has been paid)

4. What are the options for Winter Sports cover?

Winter sports can be included under a single trip policy for the duration of the trip, or under an annual policy for a maximum of 21 days.

When you select the option, standard winter sport activities are included in Activity pack 3. More adventurous winter sport activities can be catered for such as ski Jumping, ski racing, but you would need to purchase the relevant additional activity pack 4 - 8.

The winter sports section covers, Ski Equipment, Ski Hire, Ski equipment delay, Loss of Ski Pack, Pist and avalanche closure cover.

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

A Now travel insurance policy may be taken out by one to fifteen individuals, (there is no multi person discount), couples or families, which consist of one or two parents and all their dependent children.

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

The European Health Insurance card is strongly recommended, so that you can gain access to reciprocal health agreements in all European countries including Switzerland. If the EHIC is used when receiving medical treatment and the cost is reduced as a result, the excess will be waived by the Insurance Company.

If you are travelling to Australia, you must enrol in Medicare on arrival

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

The policy includes over 100 different sporting activities as standard in Activity pack 1. Be aware that activity pack one doesn't include cover for open water swimming or snorkelling. Open water swimming is defined as outdoor bodies of water such as open oceans, lakes and rivers, outside of marked swimming areas and with the absense of a lifeguard.

over 270 more adventurous activities can be included by selecting one of the additional packs 2 - 8.

Check the policy carefully to make sure that any activity you wish to take part in is covered and if you are not sure, we recommend contacting the insurer for clarification.

8. What are the policy Alcohol Exclusion terms?

The policy excludes claims where you are under the influence of alcohol, which is defined as a blood alcohol level of 0.19%, approximately four pints or four 175ml glasses of wine. 

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

Covered as standard on all policies

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

Pre existing medical conditions are excluded, unless they are declared and accepted by the Insurer.

Medical conditions can now be screened online at the point of sale, rather than having to waste time making a phone call.

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

The policy covers emergency medical expenses in respect of pregnancy from week zero to week twenty eight inclusive. From week twenty nine to week forty, no cover is provided for claims relating to normal pregnancy, unless there is a complication.

The policy provides a list of what Insurer's class as complications.

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 under the policy. It is defined as work involving the heavy lifting or carrying of heavy items in excess of 25kg, work at a higher level than two storeys, or any form of work underground.

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

You must be able to provide proof of ownership and or purchase for any items that are over £50 in value.

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

War and Terrorism are excluded under the policy with the exception of claims for emergency medical expenses.

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

All policies provide cover for alternative accommodation in the event of a natural disaster or catastophe.

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

You must be a resident of the United Kingdom, Channel Islands or BFPO (British Forces Posted overseas).

Now Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on now-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 Now 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 Now Policies

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

  • A single trip policy can be taken out for up to 365 days
  • Online Medical Screening
  • Cover over 370 different sporting activities and leisure pursuits
  • Scheduled airline failure covered as standard
  • No cover for missed departures

What Cover do Now 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

    Essential

    Annual

    Classic

    Annual

    Premier

    Annual

    Premier

    Single Trip

    Classic

    Single Trip

    Essential

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    200

    125

    50

    50

    125

    200

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    1,250

    5,000

    5,000

    1,250

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    30,000

    30,000

    10,000

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,250

    2,500

    2,500

    1,250

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    200

    300

    300

    200

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    200

    400

    400

    200

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    500

    500

    250

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    5,000

    10,000

    25,000

    25,000

    10,000

    5,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    30,000

    30,000

    10,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    500

    500

    250

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    150

    150

    450

    450

    150

    150

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    150

    200

    250

    250

    200

    150

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    50

    50

    500

    500

    50

    50

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    250

    250

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    250

    250

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

Sample Quotes from Now Travel Insurance.

Listed below are some Sample Quotes offered by Now Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 21

Now  Travel Insurance Review
Product Rating

Experience Rating

Classic

125

Medical Expenses 5,000,000

Cancellation 1,250

Missed Departure 0

Delayed Departure 100

Baggage 1,250

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Single Trip

Worldwide

Family

Age: 30 - 39

Trip Days: 14

Now  Travel Insurance Review
Product Rating

Experience Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 0

Delayed Departure 250

Baggage 2,500

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Individual

Age: 50 - 59

Trip Days: 365

Now  Travel Insurance Review
Product Rating

Experience Rating

Classic

125

Medical Expenses 5,000,000

Cancellation 1,250

Missed Departure 0

Delayed Departure 100

Baggage 1,250

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 65 - 70

Trip Days: 365

Now  Travel Insurance Review
Product Rating

Experience Rating

Essential

200

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,000

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000