Post Office Travel Insurance Review

Post Office 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 Post Office 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 Post Office Travel Insurance

The post office is a very British Institution. They have been around for a long time and offer a wide variety of services. You can purchase a range of Insurances from the Post Office, including travel insurance.

Choose from annual, single trip and now backpacker policies and from five different levels of cover, including the Premier Plus four star rated policy, the Post Office travel Insurance has tried to cater for all needs and pockets. Take advantage of the Free and Exclusive Lounge Key service available to Premier and Premier Plus policies.

Post Office Travel Insurance is underwritten by Great Lakes Reinsurance (UK) SE and administered by Collinson Insurance Services Limited.

25% OFF TRAVEL INSURANCE WHEN YOU BUY POST OFFICE TRAVEL MONEY. MINIMUM SPEND T&C's APPLY CLICK HERE TO APPLY

How to Buy Travel Insurance from Post Office Travel Insurance

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

How Post Office 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 Post Office Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 5 Single Trip Policies from Post Office Travel Insurance. They are - Premier Plus - Premier - Standard - Economy - Super Economy. We have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Economy:

Rating for Single Trip Super Economy:

Post Office Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Post Office Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 5 Annual Policies from Post Office Travel Insurance. They are - Premier - Premier Plus - Standard - Economy - Super Economy. We have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Premier Plus:

Rating for Annual Standard:

Rating for Annual Economy:

Rating for Annual Super Economy:

Post Office Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Post Office 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 Post Office Travel Insurance's policy wording

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

Children are classed as persons aged up to and including 18 years of age and are either in full time education or living at home.

2. What are the policy age limits?

At the start of the policy:-

Single Trip up to age 86

Annual Trip up to age 76

Backpacker up to age 60

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 365 days for persons aged up to and including 70 years. For persons aged between 71 to 75 years, this reduces to 90 days and for persons aged 76 to 85 this reduces to 31 days.

Annual Multi Trip is for up to 183 days per year. Trip Duration on Super Economy, Economy or Standard Policies is 17 days, this can be extended to 31,45 or 60 days with the payment of an additional premium.  Trip Duration on Premier and Premier Plus is 31 days, this can be extended to 45 or 60 days with the payment of an additional premium.

Backpacker, Trip Duration is up to 18 months. Up to 3 visits home for a maximum of 7 days each time are included. Cover is suspended while on home visits.

4. What are the options for Winter Sports cover?

Winter Sports can be added to the policy for a period of 17 days on an Annual Policy or for the entire duration of your Single Trip Policy.

The winter sports section covers 19 different activities as standard (including off piste skiing and snowboarding, provided you remain on recognised paths and boundaries). You can also cover yourself for Skidooing and Snow Mobiliing subject to payment of an additional premium.

The policy covers ski equipment, equipment hire, ski pack, piste closure and avalanche.

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

An individual, couple or Groups of up to 8 Travellers

Family A person and their husband, wife, civil partner or Common Law Partner and their dependent, adopted or fostered children or grandchildren who are aged under 18 and are either in full-time education or living with them. The appropriate premium must have been paid.

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

EHIC advised but not Mandatory if travelling within the EU.  You must enrol at Medicare offices in Australia if You will be receiving treatment. If you receive treatment before You enrol, Medicare benefits can be backdated

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

This Policy will cover You when engaging in the Sports and Activities listed in the policy wording (approximately 60 activities).  There is a fairly comprehensive list. Section J. Participation in the Sports and Activities listed in section J are covered only if you have selected the Optional Sports and Activities and paid the appropriate additional premium.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8. What are the policy Alcohol Exclusion terms?

Policy states “Any claim arising directly or indirectly from Your drug addiction or solvent abuse, excessive alcohol intake, or You being under the influence of drug(s) is excluded.

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

Covered for End Supplier Failure under the Premier and Premier Plus policies only.

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

Some Pre-Existing Conditions may be considered, provided you or anyone travelling on the policy:

  • Are not aware of any conditions for which you have not yet been diagnosed
  • Have not received a terminal prognosis
  • Are not travelling against the advice of a medical practitioner or with the intention of obtaining medical advice or treatment (whilst abroad)

You need to complete the online screening questionnaire in order to obtain a quote.  All pre-existing conditions must be declared.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

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

For the purposes of this Policy ‘Complications of Pregnancy and Childbirth’ shall only be deemed to include the following: toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary emergency Caesarean sections/medically necessary termination and any premature births more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date.

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.  This is defined as work that is physical, including, but not limited to construction, installation, assembly and building work. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery).

In regards to; voluntary (unpaid) Manual Work, the Policy Excess under Section B - Emergency Medical and Additional Expenses will be increased to £250 and application of excess waiver will not delete this increased excess.

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

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

If claiming for Your goods that were stolen or lost You should produce proof of purchase of the original goods by way of receipts, credit card or bank statements, as failure to do so may affect the assessment of the claim.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

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

You are not covered for any act of terrorism not involving the use or release of, or threat thereof, any nuclear weapon or any chemical or biological agents:  i. this exclusion will not apply to Section B - Emergency Medical and Additional Expenses, Section C - Hospital Benefit or Section D - Personal Accident provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.  ii. provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period is £2,500,000 in the aggregate.

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

Not Covered under this Policy

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

This policy is only available to You if You are permanently resident in the United Kingdom.

Post Office Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on post-office-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 Post Office 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 Post Office Policies

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

  • Premier Plus policy awarded our four star rating
  • A single trip policy can be taken out for up to 365 days
  • End Supplier Failure automatically covered under Premier and Premier Plus Policies
  • Pre Existing Medical Conditions can be underwritten and quoted for online
  • Free and Exclusive Lounge Key access to Premier and Premier Plus travel customers
  • Annual Travel policies restrict the total number of days abroad to 183

What Cover do Post Office 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

    Super Economy

    Annual

    Economy

    Annual

    Standard

    Annual

    Premier

    Annual

    Premier Plus

    Annual

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Standard

    Single Trip

    Economy

    Single Trip

    Super Economy

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    125

    100

    50

    0

    0

    50

    100

    125

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    5,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    5,000,000

    2,000,000

    2,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    1,500

    2,000

    5,000

    10,000

    10,000

    5,000

    2,000

    1,500

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    5,000

    15,000

    25,000

    50,000

    50,000

    25,000

    15,000

    5,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,500

    1,500

    2,000

    3,000

    3,000

    2,000

    1,500

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    150

    150

    200

    300

    300

    200

    150

    150

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    150

    150

    200

    300

    300

    200

    150

    150

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    250

    250

    350

    525

    525

    350

    250

    250

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    3,000,000

    3,000,000

    2,000,000

    2,000,000

    2,000,000

    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

    25,000

    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

    0

    0

    0

    0

    0

    0

    0

    0

  • 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

    0

    5,000

    15,000

    25,000

    50,000

    50,000

    25,000

    15,000

    5,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    250

    250

    350

    525

    525

    350

    250

    250

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    0

    100

    300

    300

    300

    300

    100

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    0

    350

    350

    350

    350

    350

    350

    350

    350

    0

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    750

    750

    750

    1,500

    1,500

    1,500

    1,500

    750

    750

    750

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    0

    200

    300

    400

    400

    300

    200

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    0

    300

    400

    600

    600

    400

    300

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    0

    750

    1,000

    1,500

    1,500

    1,000

    750

    0

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    5,000

    5,000

    5,000

    5,000

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    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

    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

    0

    0

  • 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

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    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

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    Y

    Y

    Y

    Y

    N

    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

    N

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Post Office Travel Insurance.

Listed below are some Sample Quotes offered by Post Office Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Family

Age: 50 - 59

Trip Days: 21

Post Office  Travel Insurance Review
Product Rating

Experience Rating

Economy

125

Medical Expenses 2,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,500

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide

Individual

Age: 18 - 29

Trip Days: 21

Post Office  Travel Insurance Review
Product Rating

Experience Rating

Standard

100

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 750

Delayed Departure 300

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Couple

Age: 30 - 39

Trip Days: 365

Post Office  Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

0

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 600

Baggage 3,000

Personal Accident 50,000

Personal Liability 3,000,000

Legal Expenses 25,000

Annual

Europe

Couple

Age: 65 - 70

Trip Days: 365

Post Office  Travel Insurance Review
Product Rating

Experience Rating

Super Economy

150

Medical Expenses 2,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 1,000

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 25,000