Spectrum Travel Insurance Review

Spectrum Travel Insurance Review

Spectrum Travel Insurance Review

Reviewed by: Thats Insurance

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Spectrum 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 Spectrum and who underwrites their policies?

Spectrum Travel is also a divison of citybond holdings plc (another specialist travel insurer). It is the same as TopDog Travel and Flexicover.com, both owned by Citybond Holdings. It is not hard to see why they are rated as one of the UK's leading direct sell travel insurance providers.The policies are underwritten by Travel Insurance Facilities and Insured by URV.

The company has been shortlisted by the Moneyfacts Consumer awards 2018 and offer single trips, annual travel, backpacker and longstay policies with four levels of cover Bronze, Silver, Gold and the Five Star rated Platinum policy.

Spectrum Travel Insurance Policies are Underwritten By URV

How Spectrum have been ranked using our star rating formula. Spectrum Star Ratings

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 Spectrum.

Single Trip Policy Ratings Click to Expand

There are 4 Single Trip Policies, they are Platinum, Gold, Silver, Bronze, we have rated these as follows:-

Thats Insurance Rating for Platinum:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Bronze:

Single Trip Travel Insurance Guide here
Spectrum Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are 3 Backpacker Policies, they are Gap Year Gold, Gap Year Silver, Gap Year Gold Plus, we have rated these as follows:-

Thats Insurance Rating for Gap Year Gold:

Thats Insurance Rating for Gap Year Silver:

Thats Insurance Rating for Gap Year Gold Plus:

Backpacker Travel Insurance Guide here
Spectrum Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 4 Annual Policies, they are Bronze, Silver, Gold, Platinum, we have rated these as follows:-

Thats Insurance Rating for Bronze:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Platinum:

Annual Travel Insurance Guide here
Spectrum Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are 2 Longstay Policies, they are Longstay Gold, Longstay Silver, we have rated these as follows:-

Thats Insurance Rating for Longstay Gold:

Thats Insurance Rating for Longstay Silver:

Spectrum Travel Insurance Review

Spectrum's 'User Friendly' Rating

That's Insurance have reviewed '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 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

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

1

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

Your dependents who are under the age of 18, living at home with you or in full time education

2

What are the policy age limits?

At time of purchase:-

Aged 85 for Multi Trip and Single Trips

Aged 70 for Longstay

Aged 45 for Backpacker(Young Traveller)

Aged 70 if Wintersports is added.

3

What are the policy Trip Duration limits?

Annual Trip, Trip Duration

  • 50 days for each insured person up to and including 65 years of age. This is extendable up to 100 days upon payment of an additional premium.
  • 35 days for each insured person aged between 66 and 85 years of age inclusive. This is not extendable.
  • Winter Sports cover may be included up to 17 days during the period of insurance for each insured person aged up to and including 70 years of age upon payment of the appropriate premium.

Single Trip, Trip Duration

  • For each insured person aged 75 years and under, the maximum trip duration is 100 days.
  • For each insured person aged 76 years and over, the maximum trip duration is 31 days.
  • Stop overs during your travel to/from your destination country if travelling worldwide are limited to 72 hours for Backpacker/Longstay Policies detailed in the geographical area.  All other policies are limited to 24 hours.

Longstay Trip, Trip Duration

  •  For insured persons aged up to and including 45 years of age the maximum duration shall not exceed 18 months.

Note: In the event that you return temporarily, and not exceeding 14 days, to your home during the period of insurance the cover under the policy will cease upon your arrival home and not be re-instated until departure from your home. Any claim occurring during your stay within your home area will not be covered.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added to your Annual Policy for a period of no more than 17 days in total in each period of insurance under Year Round policies. Winter Sports can be added to your Single Trip Policy for the duration of the trip under Trip Travel policies.  It can be added for the period (duration) specified on the schedule for Long Stay and Young Traveller policies.

The Spectrum policy covers 28 different winter sport activities as standard (including off-piste skiing and snowboarding within resort boundaries), although some of those exclude personal liability cover.

5

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

Group - no limit on individuals, although there is no premium discount for more than one individual insuring themselves under the same policy

Family means “means up to two adults and any number of their children, step children, foster children or grandchildren aged under 18. Each insured person is covered to travel independently.”.

6

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

EHIC strongly advised but not mandatory if travelling to the EU. If you need medical treatment in Australia, you should enrol with a local MEDICARE office.

7

What is covered under Sports and Activities on the policy?

There is a list of over 100 activities covered as standard. Additional activities can be covered after payment of the appropriate additional premium. Some activities are * starred as excluding Personal Liability and Personal Accident.

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 the Insurer shall not be responsible claims where “You drinking too much alcohol (a blood alcohol level that exceeds 0.19% - approximately 4 pints or 4 glasses of wine) resulting in a claim. Wilful, self inflicted injury (except where it is to save human life), suicide, drug use or solvent abuse. “

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled airline failure cover and hijack is included free of charge (with the exception of the bronze policy). Cover level varies depending on the policy.

10

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

There is standard cover provided for over 300 medical conditions and optional cover on over 2000 conditions which can now be underwritten online in most cases, without the need to make a phone call. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

11

What are the policy rules on travelling when pregnant?

Policy states “policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise:

Toxaemia, Gestational diabetes, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before 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?

The Insurer will provide cover for manual labour that is voluntary, for a registered charity and where you will not earn any money. In these situations, you will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery. You will not be covered when you are working more than two storeys above the ground, and cover for personal accident and personal liability is not included. If you injure yourself during voluntary work, the policy excess under Section 2 (Emergency Medical and other expenses) will be increased to £250.

Work, such as Bar Work, Fruit Picking and Administrative or Clerical Work is covered under activities, though some are * starred as excluding Personal Liability and Personal Accident.

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

13

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

Proof of ownership is required for items that you are claiming for.  Proof of ownership and/or purchase consists of receipts for the items claimed or if receipts cannot be provided alternative forms of proof, such as bank statements, guarantees, instruction manuals, insurance valuation certificates or photographs will suffice.

We strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. 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 in respect of any claim that happens as a result of war risks, civil commotion and terrorism cover for these events is only provided under Section 2  Emergency medical and other expenses, Section 3  Hospital benefit and Section 4 Personal accident (unless caused by nuclear, chemical or biological attack) Please see paragraph 1. in the ‘General exclusions - applicable to all sections of the policy’ in the policy wording for full details

15

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

Not Covered under this policy as standard, but comprehensive travel disruption cover available as an optional extra.

16

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

This insurance is available to current United Kingdom, Channel Islands, European Union and BFPO residents who have been living in their country of residence for at least 6 months prior to the date of purchase, and registered with a doctor there.

Pro's and Con's for Spectrum

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 Spectrum.

  • The Platinum policy has been awarded our five star rating
  • 28 different winter sports covered as standard
  • Scheduled Airline failure cover as standard on Silver, Gold and Platinum policies
  • Online underwriting of pre existing medical conditions
  • £1.80 policy issue charge

What Cover do Spectrum policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Spectrum and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Platinum

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

    Gap Year Gold

    Backpacker

    Gap Year Silver

    Backpacker

    Gap Year Gold Plus

    Backpacker

    Longstay Gold

    Longstay

    Longstay Silver

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    65

    95

    125

    125

    95

    65

    0

    65

    95

    65

    65

    95

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    25,000,000

    10,000,000

    5,000,000

    2,500,000

    2,500,000

    5,000,000

    10,000,000

    25,000,000

    10,000,000

    5,000,000

    10,000,000

    7,500,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    5,000

    1,000

    750

    750

    1,000

    5,000

    10,000

    5,000

    1,000

    5,000

    5,000

    1,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    100,000

    20,000

    10,000

    2,500

    2,500

    10,000

    20,000

    100,000

    20,000

    10,000

    20,000

    20,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    750

    0

    0

    750

    2,000

    3,000

    2,000

    750

    2,000

    2,000

    750

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    300

    100

    0

    0

    100

    300

    500

    300

    100

    300

    300

    100

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    300

    100

    0

    0

    100

    300

    500

    300

    100

    300

    300

    100

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    500

    250

    0

    0

    250

    500

    750

    500

    250

    500

    500

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    3,000,000

    2,000,000

    1,000,000

    500,000

    500,000

    1,000,000

    2,000,000

    3,000,000

    2,000,000

    1,000,000

    2,000,000

    2,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    25,000

    10,000

    2,500

    2,500

    10,000

    25,000

    50,000

    25,000

    10,000

    25,000

    25,000

    10,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,000

    1,500

    0

    0

    1,500

    2,000

    2,500

    2,000

    1,500

    2,000

    2,000

    1,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,000

    500

    250

    250

    500

    1,000

    1,500

    1,000

    500

    1,000

    1,000

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    500

    250

    250

    250

    250

    250

    250

    500

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    250

    100

    100

    0

    0

    100

    100

    250

    100

    100

    100

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    500

    300

    0

    0

    0

    0

    300

    500

    500

    300

    500

    500

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    1,000

    1,000

    0

    0

    1,000

    1,000

    1,500

    1,000

    1,000

    1,000

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    750

    250

    250

    0

    0

    250

    250

    750

    250

    250

    250

    250

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    20,000

    5,000

    5,000

    0

    0

    5,000

    5,000

    20,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    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

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    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

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    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

    N

    N

    Y

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    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

    N

    N

    N

Sample Quotes from Spectrum.

Listed below are some Sample Quotes offered by Spectrum (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 40 - 49

Trip Days: 21

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

65

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

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

Worldwide

Individual

Age: 76 +

Trip Days: 14

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

0

Click Heart to Favourite

Compare Now

Medical Expenses 25,000,000

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

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 14

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

0

Click Heart to Favourite

Compare Now

Medical Expenses 25,000,000

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

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 365

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

95

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 1,000

Delayed Departure 0

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Europe

Family

Age: 18 - 29

Trip Days: 365

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

95

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 1,000

Delayed Departure 0

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Europe

Individual

Age: 71 - 75

Trip Days: 365

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

95

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 1,000

Delayed Departure 0

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 45

Trip Days: 270

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Gap Year Gold Plus

65

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 500

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide

Individual

Age: 30 - 39

Trip Days: 365

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Gap Year Gold Plus

65

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 500

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 30

 Travel Insurance Review
That's Insurance Rating

Customer Rating

Gap Year Gold Plus

65

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 500

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Spectrum

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 Spectrum - No Current Discount Codes

Visit Spectrum's Website and Get a Quotation direct

Customer Reviews of Spectrum

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

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