Premier Cover Travel Insurance Review

Premier Cover Travel Insurance Review

Premier Cover Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Premier Cover plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Premier Cover and who underwrites their policies?

Premier Cover is another quality travel insurance product from the Citybond stable. Also responsible for Flexicover and Topdog travel insurance, Premier Cover policies have no age limit on single trips.

As specialists in covering pre-existing medical condtions, they will consider any medical history and allow you to choose from three levels of cover, Classic, Club and the five star rated Deluxe cover.

Premier Cover Travel Insurance Policies are Underwritten By URV

How Premier Cover Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Premier Cover .

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Premier Cover Travel Insurance, they are Classic, Club, Deluxe, we have rated these as follows:-

Rating for Single Trip Classic:

Rating for Single Trip Club:

Rating for Single Trip Deluxe:

Single Trip Travel Insurance Guide here
Premier Cover Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Premier Cover Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Premier Cover Travel Insurance, they are Classic, Club, Deluxe, we have rated these as follows:-

Rating for Annual Classic:

Rating for Annual Club:

Rating for Annual Deluxe:

Annual Travel Insurance Guide here
Premier Cover Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Premier Cover Travel 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

16 Key Points you need to know about Premier Cover 's travel policy wording

1

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

Children are classed as those under the age of 18

2

What are the policy age limits?

The Single trip travel policy has no upper age limit and the annual travel policy takes travellers up to the age of 85.

3

What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 100 days. (restricted to 31 days for any traveller over the age of 75)

The annual multi trip policy allows for unlimited trips and each trip up to 50 consecutive days (can be increased to 100 subject to payment of an additional premium) (The trip period is restricted to 35 days if you are aged 66 and over).

4

What does the policy offer for Winter Sports cover?

Winter sports can be included on either policy. In respect of single trips, for the duration of the trip and for annual policies up to 17 days during the period of insurance. This is available to anyone up to the age of 70.

The policy lists 28 different winter sports activities that you can take part in, including off piste skiing and snowboarding, provided you remain within the resort boundaries.

If you are travelling to lapland for no more than 2 nights, you are automatically covered for husky dog sledding, sledging and sleigh riding as a passenger without the need for the Winter sports cover.

5

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

A Premier Cover policy may be taken out by one individual, couples or families comprising of one or two adults and all their dependent children.

A policy may also be taken out by up to twenty individuals travelling together as a group, although there is no premium discount offered.

6

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

Premier Cover strongly advise you carry an EHI card (European Health Insurance Card) when travelling to EU, EEA countries including Switzerland. Any medical claim reduced by the use of the card, will not have the excess deducted.

If you need treatment in Australia, you must enrol with the local Medicare office.

7

What is covered under Sports and Activities on the policy?

The policy provides automatic cover for 108 different sporting and leisure activities, including parascending over water, grade 2 river white water rafting and scuba diving down to 30 metres. If you intend to carry out an activity not mentioned, Premier Cover request that you contact them to see if it can be included.

8

What are the policy Alcohol Exclusion terms?

The policy excludes drinking too much alcohol defined as a blood alcohol level of 0.19% approximately four pints or four 175ml glasses of wine.

Premier Cover do not expect you to avoid alcohol, but will not cover claims because you have drunk so much that your judgement is seriously affected and you need to make a claim.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled airline failure covered as standard on all three policies.

10

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

Pre existing medical conditions are excluded as standard. It is however possible to include medical conditions during the quotation stage, by answering the online simple and quick medical screening questionnaire and Premier Cover state they will consider all conditions.

11

What are the policy rules on travelling when pregnant?

Policies include emergency medical expenses cover for weeks zero to 28 of pregnancy, whilst travelling abroad. From week twenty nine to forty, there is no cover for normal pregnancy, unless accompanied by a complication, as list of which can be found in the policy wording.

Premier Cover recommend that you check with your carrier or airline to make sure they are happy for you to travel, as denial of boarding is not covered.

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 excludes manual work, defined as the lifting or carrying of heavy items in excess of 25kg, work at a greater height than two storeys or any work underground.

The policy does cover non mechanical fruit picking, bar and restaurant work and archaeological digging.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

You must provide proof of ownership for any item lost stolen or damaged. This can be a receipt, bank statement, guarantee, instruction manual, or photographs.

14

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

The policy excludes terrorism claims, except for emergency medical expenses, Hospital Benefit, and personal accident (unless caused by a nuclear, checmical or biological attack). 

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Comprehensive Travel Disruption cover is availabl as an option.

16

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

Premier Cover policies are only available if you are permanently resident in the United Kingdom, Channel Islands or BFPO for the last six months and registered with a doctor or medical practitioner.

Premier Cover's 'User Friendly' Rating

That's Insurance have reviewed Premier Cover's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Premier Cover rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Premier Cover Travel Policies

We've highlighted Pro's anc Cons for Premier Cover, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Premier Cover .

  • Deluxe single and annual travel rated Five Stars
  • No Upper age limit on single trip travel policies
  • Annual Travel policy allows for unlimited trips. Each trip can be for up to 50 consecutive days.
  • Single and Annual Travel deluxe policies have been rated five stars
  • The winter sport option covers 28 different activities as standard.
  • All medical conditions considered and can be underwritten online at the point of sale

No Con's

What Cover do Premier Cover policies offer.

We've listed below cover levels for policies offered by offered by Premier Cover 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

    Classic

    Single Trip

    Club

    Single Trip

    Deluxe

    Single Trip

    Classic

    Annual

    Club

    Annual

    Deluxe

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    95

    65

    0

    95

    65

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    7,500,000

    10,000,000

    5,000,000

    7,500,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    5,000

    10,000

    1,000

    5,000

    10,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    20,000

    100,000

    10,000

    20,000

    100,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    750

    2,000

    3,000

    750

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    100

    300

    500

    100

    300

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    100

    300

    500

    100

    300

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    750

    250

    500

    750

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    3,000,000

    1,000,000

    2,000,000

    3,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    25,000

    50,000

    10,000

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    2,000

    2,500

    1,500

    2,000

    2,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    1,000

    1,500

    500

    1,000

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    500

    250

    250

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    250

    100

    100

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    300

    500

    0

    300

    500

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

    1,500

    1,000

    1,000

    1,500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    250

    250

    750

    250

    250

    750

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    5,000

    5,000

    20,000

    5,000

    5,000

    20,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • 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

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    Y

    Y

    Y

    Y

    Y

    Y

  • 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 Premier Cover .

Listed below are some Sample Quotes offered by Premier Cover (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 14

Premier Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Deluxe

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 500

Baggage 3,000

Personal Accident 100,000

Personal Liability 3,000,000

Legal Expenses 50,000

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 7

Premier Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Club

65

Click Heart to Favourite

Compare Now

Medical Expenses 7,500,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 7

Premier Cover Travel Insurance Review
That's Insurance Rating

Customer Rating

Deluxe

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 500

Baggage 3,000

Personal Accident 100,000

Personal Liability 3,000,000

Legal Expenses 50,000

How to Buy Travel Insurance from Premier Cover

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Premier Cover - No Current Discount Codes

Visit Premier Cover 's Website and Get a Quotation direct

Customer Reviews of Premier Cover

No Customer Reviews Found

We hope that you have found this Premier Cover Travel Insurance Review helpful. If you have experience of Premier Cover , please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

ABTA warning to Holidaymakers – Our ten tips for safer travel

ABTA warning to Holidaymakers – Our ten tips for safer travel

ABTA have issued a warning to holidaymakers, not to travel abroad without travel insurance. Their ...

Taking medication abroad in 2018

Taking medication abroad in 2018

If you are planning a foreign holiday this year and suffer from an illness or  medical condition, ...

Travel Insurance for the Russia World Cup 2018 What you need to know

Travel Insurance for the Russia World Cup 2018 What you need to know

Why choosing the right Travel Insurance policy is so important The FIFA would cup starts in Russia ...

2018 EU ruling you can claim compensation from airlines following wildcat strikes

2018 EU ruling you can claim compensation from airlines following wildcat strikes

2018 EU Court rules that Passenger flights which are delayed or cancelled due to strikes can claim ...



Download the App

Download Thats Insurance App on Itunes Download Thats Insurance App on Google Play

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.