Sainsburys Travel Insurance Review

Sainsburys  Travel Insurance Review

Sainsburys 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 Sainsburys Travel Insurance 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 Sainsburys and who underwrites their policies?

Review of Sainsbury's Travel Insurance updated 1st March 2019 by Denise Field.

Sainsbury's are a very well known International Grocer. Over the years, they, like other companies have branched out into Financial Services and Insurance. Sainsbury's Travel Insurance is now sold and administered by Hood Travel Ltd and the main part of the travel insurance underwritten by ERV Trading as ETI International Travel Protection Ltd (The previous policy was administered and underwritten by Cigna).

Nectar card holders can receive up to a 20% discount for buying travel insurance online and can choose from three levels of cover Silver, Gold and Platinum. The Gold and Platinum policies have been awarded five stars, as they both provide excellent protection, including some cover for gadgets, travel disruption and end supplier/airline failure cover as standard.  Read our review below to find out more.

Sainsburys Travel Insurance Policies are Underwritten By ERV

How Sainsburys 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 Sainsburys Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Sainsburys Travel Insurance, they are Silver, Gold, Platinum, we have rated these as follows:-

Rating for Single Trip Silver:

Rating for Single Trip Gold:

Rating for Single Trip Platinum:

The Definitive Guide to Single Trip Travel Insurance Guide here
Sainsburys Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Sainsburys Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Sainsburys Travel Insurance, they are Silver, Gold, Platinum, we have rated these as follows:-

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Platinum:

Annual Travel Insurance Guide here
Sainsburys Travel Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 1 Longstay Policies from Sainsburys Travel Insurance, they are Extended, we have rated these as follows:-

Rating for Longstay Extended:

Sainsburys 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

22 Key Points you need to know about Sainsburys Travel Insurance's travel policy wording

1

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

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

2

What are the policy age limits?

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.

3

What are the policy Trip Duration limits?

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. The silver and gold policies cover individual trips up to 62 days and the Platinum policy up to 92 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.

4

What are the options for Winter Sports cover?

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.

5

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

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.

6

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

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.

7

What is covered under Sports and Activities on the policy?

The policy lists a modest 49 activities covered as standard, a further 14 that you can also take part in, but which exclude claims for Personal Accident and Liability.

A further 19 sports and past times can be added subject to payment of an additional premium. Note that some of these also exclude personal accident and liability cover.

The policy helpfully provides a list of activities and pursuits, that are specifically excluded. We recommend reading the policy carefully to make sure you are fully covered for the correct sporting activity.

8

What are the policy Alcohol Exclusion terms?

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.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled airline failure, is automatically included on all three policies. The Gold and Platinum cover is extended to include failure of any end supplier.

10

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

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.

11

What are the policy rules on travelling when pregnant?

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.

12

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

The Sainsbury travel policy includes cover for manual work, at ground level, provided there is no machinery involved. You are also covered for any bar and restaurant work.

13

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

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, Sainsbury's may not be able to pay your claim.

14

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

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

15

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

Automatically covered under both the Gold and Platinum policy.

16

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

Sainsbury policies are only available to persons resident in the UK and registered with a GP

17

What are the options for Gadget Cover?

All three levels provide some cover for gadgets as standard. The Silver policy covers items up to £500 in total with a single article limit of £500. The Gold and Platinum policy up to £750 with a single article limit of £750. All covered against Accidental or Malicious Damage, Theft or Loss.

This can be extended subject to payment of an additional premium to £1,000, £2,000 or £3,000 respectively. The policy also covers unauthorised usage. Please ensure that you have a valid proof of purchase. Read the policy wording for full details.

18

What are the options for Cruise Cover?

Cruise Insurance is available as an option on all three levels of cover, but only for SINGLE TRIP policies.

The policy covers increased baggage, single article and valuable limits, compensation for a missed port, due to bad weather or a timetable restriction, compensation for cabin confinement and unused excursions due to a medical condition as confirmed by the ship's medical officer.

19

Are they on Comparison sites such as Confused.com or CompareTheMarket.com?

Sainsbury's Travel Insurance appear on two comparison websites MoneySupermarket. com and ComparetheMarket.com. You will find the same levels of cover on both sites.

The comparison site policies are called Essential, Standard and Premier. Please be aware that the levels of cover on these policies are significantly lower when compared to the Silver, Gold and Platinum policies, available direct on Sainsbury's own website.

To give you an example the excess on the Essential, Standard and Premier policies are £150, £95 and £70, compared to Silver, Gold and Platinum which are £100, £50 and £Nil.

20

What about the Policy Wording?

The Sainsbury's Travel Policy is nicely laid out. The clear table of contents, allows you to scroll through the document and easily find the relevant section. The policy provides a handy table of benefits, for you to compare cover.

It is well written and helpful. Although quite long at 112 pages, there are a lot of additional sections of cover and optional benefits to deal with, so its likely that you won't need to read through it all, as some sections will not be relevant to you (unless you are taking every option available)

21

What do reviews from customers say?

I have checked on several websites regarding customers experience with Sainsbury's Travel Insurance. Trust Pilot only give them a four out of ten rating, but delving deeper, it appears that Trust Pilot combine all areas of Banking, Finance and Insurance together and reading through the very latest reviews for travel insurance, they were all complimentary.

The Review centre website does just deal with travel insurance. The Sainsbury's rating is 1.4 out of 5 on 26 reviews. After some research, the 25 of the 26 reviews were pre September 2017.  Sainsbury's changed their administrators and underwriters in 2018, so I can only assume this change has been to improve their service.

22

Overall Summary

The Gold and Platinum policies provide excellent levels of cover and deserve their five star rating. As well as the core cover, these policies include End Supplier, Scheduled Airline, disruption and gadget cover as standard, combined with a low excess.

Let's hope the change in administrator and Insurer backs up a great policy with great service. We would love to hear your opinion, you can leave your own review here.

Sainsburys 's 'User Friendly' Rating

That's Insurance have reviewed Sainsburys '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 Sainsburys 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 Sainsburys Travel Policies

We've highlighted Pro's anc Cons for Sainsburys , 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 Sainsburys Travel Insurance.

  • A massive 20% online discount available for Nectar club card holders
  • No upper age limit in single trip travel policies
  • The Platinum annual travel policy allows individual trips of up to 92 days as standard
  • All annual and single trip policies include scheduled airline failure cover as standard
  • Pre existing medical conditions can be quoted for online during the quotation process
  • Baggage claims settled on a new for old basis for items less than two years old (subject to terms and conditions)

No Con's

What Cover do Sainsburys policies offer.

We've listed below cover levels for policies offered by offered by Sainsburys Travel Insurance 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

    Silver

    Single Trip

    Gold

    Single Trip

    Platinum

    Single Trip

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

    Extended

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    50

    0

    100

    50

    0

    35

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    15,000,000

    Unlimited

    10,000,000

    15,000,000

    Unlimited

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    5,000

    7,500

    3,000

    5,000

    7,500

    2,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    3,000

    5,000

    7,500

    3,000

    5,000

    7,500

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    25,000

    50,000

    0

    25,000

    50,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,250

    2,000

    3,000

    1,250

    2,000

    3,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    300

    350

    250

    300

    350

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    500

    600

    250

    500

    600

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    500

    750

    400

    500

    750

    500

  • 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

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    30,000

    50,000

    15,000

    30,000

    50,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    200

    400

    500

    200

    400

    500

    0

Secondary Cover toggle

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    500

    750

    400

    500

    750

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    1,500

    2,000

    500

    1,500

    2,000

    600

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    400

    1,000

    250

    400

    1,000

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    3,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    500

    750

    200

    500

    750

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    350

    500

    250

    350

    500

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    300

    1,000

    1,250

    300

    1,000

    1,250

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    500

    750

    0

    500

    750

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    1,500

    2,000

    0

    1,500

    2,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    2,500

    2,500

    0

    2,500

    2,500

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    5,000

    7,500

    0

    5,000

    7,500

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    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

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    250

    500

    0

    250

    500

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    200

    400

    500

    200

    400

    500

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

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

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

    N

Sample Quotes from Sainsburys Travel Insurance.

Listed below are some Sample Quotes offered by Sainsburys Travel Insurance (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

Couple

Age: 50 - 59

Trip Days: 14

Sainsburys  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 350

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 30,000

Single Trip

Europe

Couple

Age: 60 - 64

Trip Days: 14

Sainsburys  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 350

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 30,000

Single Trip

Europe

Individual

Age: 40 - 49

Trip Days: 7

Sainsburys  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 350

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 30,000

How to Buy Travel Insurance from Sainsburys Travel Insurance

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 Sainsburys - No Current Discount Codes

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Customer Reviews of Sainsburys Travel Insurance

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

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