Sainsburys Travel Insurance Review

The Sainsburys policy defines children as those under the age of 16 or under 23 if in full time education.

There is no upper age limit on single trip policies.

Annual travel policies are available to anyone between the ages of 16 and 80.

Extended trip policies are only available to those aged between 16 and 40.

A single trip policy can be taken out for a maximum of only 59 days.

Annual travel policies are for an unlimited number of trips, provided each trip last no longer than 60 days.

Extended trip for those that plan to see a bit more of the world and need a policy covering trips between 60 and 365 days.

Winter sports can be included on all three types of policies, single trips and extended trips for the duration of the policy and annual travel policies for up to 24 days, provided you are under the age of 65.

The following activities are covered under the winter sport section of the policy, skiing and snowboarding, off-piste skiing and snowboarding, provided you are accompanied by a qualified  guide or instructor, cross country skiing on recognised routes and with a guide, ski racing arranged by ski schools, sledging.

Note the policy specifically excludes bobsleighing, heli skiing, ice hockey, luging, skeletons, ski acrobatics or jumping.

A policy can be taken out by just a single person, or a couple who are married/partners (including same sex couples) who have lived together for more than six months

A family policy consisting of one or two adults, and up to six children (who must be accompanied by an insured adult when travelling), can also be taken out under a single or annual trip policy.

The application and carrying of an EHIC (European Health Insurance Card) is strongly recommended when travelling to the European Union.

Use of your EHIC to reduce medical expense claims will result in the waiver of the policy excess.

If you require medical treatment in Australia or New Zealand, you must enrol with a local medicare office, to take advantage of reciprocal agreements that are in place between those countries and the UK.

The policy lists 34 activities covered as standard, a further 30 that you can also take part in, provided, they are professionally organised, supervised and you wear the appropriate safety equipment.

The policy also lists activities and pursuits, that are specifically excluded.

The Sainsbury policy excludes claims, where you have drunk too much alcohol, and it is reasonable foreseeable that such consumption could result in a serious impairment of your faculties and/or judgment, resulting in a claim.

Sainsburys do not expect you to avoid alcohol on trips, but will not cover any claim arising because you have drunk so much that your judgement is seriously affected and you need to make a claim as a result.

Scheduled airline failure, automatically included under the standard policy only.

The policy excludes pre existing medical conditions as standard, however any condition can be quoted for by completing the online medical questionnaire, during the quotation process.

Please note that psychiatric disorders, depression, anxiety, stress or phobias, are excluded and cannot be included.

Claims where you have failed to take recommended vaccines, inoculations or medication prior to your trip are also excluded.

Any claim arising from pregnancy or childbirth, is not covered if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip.

The Sainsbury travel policy includes cover for manual work, at ground level, provided there is no machinery involved.

Claims will be considered on a new for old basis for items less than two years old.

For personal baggage claims proof of purchase (original receipts, valuations or credit/debit card statements will be required to support any claim. If you cannot provide this information, Sainsburys may not be able to pay your fclaim

War and Terrorism are excluded except for claims relating to personal accident and medical expenses.

Automatically covered under the Sainsbury's standard policy only.

Sainsbury policies are only available to persons resident in the UK.