OK to Travel Travel Insurance Review

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

Who are OK to Travel Travel Insurance

OK To Travel are in the process of changing their Insurer and have temporarily paused the sales of new policies.

In the meantime please click here for alternative travel insurance solutions

OK To Travel Ltd was setup to provide specialist travel insurance for travellers with pre-existing medical conditions. Any type of medical condition up to a high level of severity can be covered. OK To Travel Ltd are regulated by the Financial Conduct Authority and are an Appointed Representative of Freedom Insurance Services Ltd.

With all medical conditions considered, no age limit for single trips of up to three months and three levels of cover to choose from, OK to Travel have tried to cater for all customers needs. Read our review to find out more.

How to Buy Travel Insurance from OK to Travel

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

How OK to Travel 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 OK to Travel.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from OK to Travel Travel Insurance. They are - Premier Plus - Premier - Standard. We have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Standard:

OK to Travel Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

OK to Travel Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from OK to Travel Travel Insurance. They are - Premier - Premier Plus - Standard. We have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Premier Plus:

Rating for Annual Standard:

OK to Travel Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

OK to Travel 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 OK to Travel's policy wording

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

For the purposes of this insurance children are classed as those under the age of 18, who have been living in the UK for more than six months and who are in full time education. .

2. What are the policy age limits?

Single trip policies have no age limit for trips up to 92 days. For any other trip the maximum age is 75.

An annual policy can be taken out by anyone up to the age of 99.

3. What are the policy Trip Duration limits?

The single trip policy has a maximum trip duration of 184 days. (92 days over 75 years of age)

The annual policy allows for an unlimited number of trips provided each trip lasts no longer than 31 days.

4. What are the options for Winter Sports cover?

Winter Sports can be added for up to 30 days on either the single trip or the annual travel policy.

Winter sports includes skiing, snowboarding and ice skating and includes cover for on piste skiing and snowboarding for leisure purposes and not participating in any timed competitive or off piste/specialist ski/snowboard activities.

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

A policy may be taken out by up to ten individual travellers. There is no specific classification of couples, families or groups.

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

OK to travel strongly recommend the carrying of the European Health Insurance Card when travelling abroad as it allows you to access state provided health care when visiting European Union countries, including Switzerland.

If the use of the EHIC reduces any medical claim, the policy excess will be reduced to nil.

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 policy lists 37 different sporting activities that are automatically included free of charge. This excludes cover for open water swimming, which is classed as outdoor bodies of water, such sa open oceans, lakes and rivers, outside of marked swimming areas and with the absence of a lifeguard.

Additional activities can be included under categories B, C & D, provided the relevant additional premium has been paid. Check the policy for a full list.

8. What are the policy Alcohol Exclusion terms?

The policy excludes claims whilst under the influence of alcohol (a blood alcohol level that exceeds 0.19% - approximately four pints or four 175ml glasses of wine).

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

All three policies automatically include cover for End Supplier Failure

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

All policies exclude pre existing medical conditions unless they are declared. However OK to Travel will consider all conditions and the majority can be underwritten online using their medical screening process, without the need to phone up.

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

OK To Travel include medical expenses cover for customers who are in the stages of pregnancy from week zero to week twenty eight inclusive. From week twenty nine to week forty, there is no cover for claims relating to normal childbirth, unless a complication arises.

A list of complications 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 is excluded, defined as any work involving the lifting or carrying of items in excess of 25kg, work at a level higher than two storeys, or any work underground.

However Category B leisure activities does include cover for work abroad including manual work.

We recommend contacting the Insurer for clarification if you are unsure whether an occupation will be covered or not.

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

Any item that is lost, stolen or damaged and over the value of £50, must be supported by original proof of ownership/purchase.

Any items not supported by satisfactory proof will be settled at a maximum of £50 and a maximum limit of £150 for all items.

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

The policy excludes any claim relating to war, terrorism, biological or chemical warfare, 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 cover additional accommodation within a twenty mile radius, if your pre booked accommodation has been damaged by catastrophe or natural disaster.

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

OK to travel policies are only available to residents of the UK who have lived there for the last six months and are registered with a UK GP.

OK to Travel's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on ok-to-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 OK to Travel 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 OK to Travel Policies

We've highlighted Pro's and Cons for OK to Travel, 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 OK to Travel.

  • No age limit on single trip policies of up to 92 days
  • Annual travel policies available up to the age of 99
  • All three policies automatically include cover for End Supplier Failure
  • All medical conditions considered and the majority can be underwritten using the online medical screening facility
  • Option to include cover for working abroad, including manual work
  • Only a small number of leisure activities automatically included

What Cover do OK to Travel 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

    Premier

    Annual

    Premier Plus

    Annual

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    0

    0

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    0

    1,000

    5,000

    5,000

    1,000

    0

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    15,000

    15,000

    15,000

    15,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

    3,000

    3,000

    2,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

    300

    300

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

    300

    300

    250

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    400

    400

    400

    400

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    15,000

    15,000

    15,000

    15,000

    15,000

  • 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

    0

    0

    0

    0

    0

    0

  • 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

    15,000

    15,000

    15,000

    15,000

    15,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    400

    400

    400

    400

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

  • 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

    100

    100

    300

    300

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • 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

    0

    0

    0

    0

    0

    0

  • 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

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

    N

    N

    N

    N

    N

    N

  • 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

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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 OK to Travel.

Listed below are some Sample Quotes offered by OK to Travel

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 71 - 75

Trip Days: 14

OK to Travel Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

0

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 100

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 21

OK to Travel Travel Insurance Review
Product Rating

Experience Rating

Standard

75

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 500

Delayed Departure 100

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Europe

Couple

Age: 65 - 70

Trip Days: 365

OK to Travel Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

0

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 100

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 76 +

Trip Days: 365

OK to Travel Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

0

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 100

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

2759.06

Full Details