Onestop Travel Insurance Review

Onestop 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 Onestop4.co.uk and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Onestop Travel Insurance

Onestop4 are no longer offering travel insurance.

Click here for alternative travel insurance solutions.

Onestop4 is the trading name of International Travel and Healthcare Ltd. They have been involved in travel insurance since 2005. The single trip policy has 4 levels of cover to choose from Basic, Standard, Superior and Platinum and the annual policy one level of cover, providing you with a great selection to choose from.

Onestop4 are a specialist travel insurance provider and as such all policies will cover pre-existing medical conditions, which can be underwritten and quoted for online.

How to Buy Travel Insurance from Onestop4.co.uk

Click on the website link to go directly to the insurance providers website. Visit Onestop4.co.uk's Website and Get a Quotation direct

How Onestop 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 Onestop4.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Onestop Travel Insurance. They are - Standard - Superior - Platinum - Basic. We have rated these as follows:-

Rating for Single Trip Standard:

Rating for Single Trip Superior:

Rating for Single Trip Platinum:

Rating for Single Trip Basic:

Onestop Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Onestop Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Onestop Travel Insurance. They are - Standard - Superior - Platinum - Basic. We have rated these as follows:-

Rating for Annual Standard:

Rating for Annual Superior:

Rating for Annual Platinum:

Rating for Annual Basic:

Onestop Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Onestop 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 Onestop4.co.uk's policy wording

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

Children must be unmarried, dependent aged up to 18 (or under 23 if in full time education) and living in the same household (except if they are attending full time education). Children must also be travelling with the insured adults.

Children include adopted, foster and step-children)

2. What are the policy age limits?

The annual multi-trip policy has an age limit of 86 years.

The single trip Basic, Standard, and Superior policies have an age limit of 79 years, whilst the Platinum policy has an increased limit of 86 years.

3. What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 60 days.

There is no limit to the number of trips you can take in a year under the annual multi-trip policy and you can choose from individual trip limits of 15, 30, 60 or 90 days.

4. What are the options for Winter Sports cover?

Winter sports can be included for the duration of the trip, as an option under the single trip policy, for anyone up to the age of 64.

In respect of annual multi-trip policies winter sports is automatically included and provides cover for up to 31 days per policy year.

The policy covers on-piste skiing and snowboarding within designated and supervised areas at the recognised ski-resort, off-piste skiing and snowboarding only while accompanied by a professional qualified guide (all excluding freestyle and aerials).

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

A onestop4 policy can be taken out by an individual, couple, single parent or two parent family and all their dependent children.

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

If you are travelling to Europe, Onestop4, strongly advise you to obtain a European Health Insurance Card. This will entitle you to benefit from reciprocal health agreements which exist between EU countries.

If you require medical treatment in Australia or New Zealand, reciprocal arrangements may also apply.

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

The Onestop4 Annual Policy covers 56 incidental sport and leisure activities, pursuits like Hiking under 2000 metres, surfing, snorkelling, Scuba Diving down to 30 metres (depending on qualifications) and  Water Skiing.

Any activity not mentioned is excluded, so it's important that you check to make sure everything you intend to do whilst abroad is covered.

The Onestop4 single trip policy also covers 56 activities as standard. However unlike the annual policy, you also have the option to include a further 41 riskier pursuits, which are split into grades 2, 3 & 4. These will be subject to an additional premium and terms, which you can check in the policy.

8. What are the policy Alcohol Exclusion terms?

The Onestop4 policy excludes any claim connected to alcohol, however this is explained as follows:

"We do not expect you to avoid alcohol during your trip, but will not cover any claim arising where you have drunk so much alcohol that you have notably impaired your faculties and/or judgment. Your claim can also be declined if you refuse to allow the treating doctor, medical facility or police to complete appropriate testing such as breathalyser or blood tests and/or you refuse to make the report available to us. Any claim which is as a result of you having been diagnosed as suffering from acute alcohol intoxication, alcohol dependency or alcohol withdrawal will be declined."

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

The single trip Superior and Platinum policies and the Annual multi-trip policy cover scheduled airline failure as standard.

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

As a specialist travel provider, all of the Onestop4 policies will cover pre-existing medical conditions. These will of course require quoting for and the required medical screening can be carried out online, saving you time and allowing you to obtain accurate quotations.

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

The Onestop4 policy will not cover any costs arising from normal pregnancy without accompanying injury, illness and disease or complication.

The cost of cancellation is covered, where confirmation of your pregnancy is announced to you, after you have purchased travel insurance and booked your trip, provided you immediately (within seven days) cancel your trip.

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

The policy covers you for manual work (bar and restaurant, waitress, waiter, chalet maides, au pairs, nanny's, occasional light manual work including retail work and fruit picking, but excluding the use of power tools and machinery)

and for non manual work (including professional, administrative or clerical duties only).

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

Original Purchase receipts will be required for items of baggage, clothing or personal effects, where they are less than one year old.

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

The Policy will not cover you for the consequences of Cyber-terrorism.

The policy will not cover terrorism, when the incident is covered by the government or public authority compensation, or leading to a cancellation or curtailment due to fear of travelling or any cancellation if the public means of transport is not departing to the destination.

Areas which are regarded by Onestop4 as War Risks.

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

Catastrophe cover for alternative accommodation is covered under the Single Trip, Superior, Platinum and Annual Multi-trip policy.

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

The Onestop4 policies are only available to residents of the United Kingdom and Channel Islands.

Onestop4.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on onestop4-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 Onestop 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 Onestop Policies

We've highlighted Pro's and Cons for Onestop, 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 Onestop4.co.uk.

  • Annual Travel policy has an individual trip limit of up to 90 days
  • Annual Travel winter sports cover automatically included for up to 31 days.
  • Scheduled Airline Failure covered under the Annual policy and the Superior and Platinum single trip policies
  • Pre existing medical conditions can be quoted for online via the medical screening process at the point of sale.

No Con's

What Cover do Onestop 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

    Basic

    Single Trip

    Standard

    Single Trip

    Superior

    Single Trip

    Platinum

    Single Trip

    Basic

    Annual

    Standard

    Annual

    Superior

    Annual

    Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    90

    75

    75

    100

    90

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    1,000,000

    5,000,000

    10,000,000

    5,000,000

    1,000,000

    5,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    2,000

    3,000

    3,000

    1,000

    2,000

    3,000

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    15,000

    25,000

    10,000

    5,000

    15,000

    25,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    0

    1,250

    2,000

    1,500

    0

    1,250

    2,000

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    0

    250

    300

    250

    0

    250

    300

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    0

    250

    300

    400

    0

    250

    300

    400

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    300

    600

    500

    0

    300

    600

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    15,000

    25,000

    10,000

    5,000

    15,000

    25,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    300

    600

    500

    0

    300

    600

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    0

    0

    300

    0

    0

    0

    300

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    1,000

    5,000

    5,000

    5,000

    1,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    40

    40

    0

    0

    40

    40

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    200

    500

    800

    0

    200

    500

    800

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    200

    500

    800

    0

    200

    500

    800

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    2,000

    2,000

    0

    0

    2,000

    2,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    750

    500

    0

    0

    750

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    200

    300

    0

    0

    200

    300

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    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

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    500

    0

    0

    0

    500

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

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

    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

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    Y

    N

    N

    N

    Y

Sample Quotes from Onestop4.co.uk.

We are currently Awaiting Details of quotes for this provider.

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