Travel Insurance Plus Travel Insurance Review

Travel Insurance Plus 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 Travel Insurance Plus and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Travel Insurance Plus Travel Insurance

Travel Insurance Plus no longer offer travel insurance policies to new customers

Click here for an alternative range of travel insurance solutions

Travel Insurance Plus is a trading name of CCV Risk Solutions Limited. The Travel Insurance Plus team have over 80 combined years of travel insurance experience and bring you simple easy to use online facility. Choose from single trip or annual and from three levels of cover bronze, silver or gold. 

How to Buy Travel Insurance from Travel Insurance Plus

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

How Travel Insurance Plus 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 Travel Insurance Plus.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Travel Insurance Plus Travel Insurance. They are - Gold - Silver - Bronze. We have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Travel Insurance Plus Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Travel Insurance Plus Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Travel Insurance Plus Travel Insurance. They are - Gold - Bronze - Silver. We have rated these as follows:-

Rating for Annual Gold:

Rating for Annual Bronze:

Rating for Annual Silver:

Travel Insurance Plus Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Travel Insurance Plus 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 Travel Insurance Plus's policy wording

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

Children are persons under 18 or under 24 and in full time education.

2. What are the policy age limits?

At time of purchase:-

79 or under for Single Trip (at the date of purchase of the insurance).

79 or under for Annual Multi Trip (at the date of purchase of the insurance).

64 or under for Longstay Trip (at the date of purchase of the insurance).

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 90 days. Annual Multi Trip, Trip Duration is 31 days as standard, per trip. This can be reduced to 17 days, or increased to 45 days at quote stage. Long Stay Trip, Trip Duration is up to 360 days.

4. What are the options for Winter Sports cover?

Winter Sports can be added for the entire duration of your Single Trip and Long Stay Policy, or for up to 17 days in one policy year on your Annual Multi Trip Policy.

The Wintersports section covers guided cross-country skiing, mono skiing, off-piste skiing or snowboarding, recreational racing, skiing, snowboarding and snow sledging.

The policy specifically excludes freestyle skiing, heli-skiing, ice hockey, luging, off-piste skiing or snowboarding in areas that are designated unsafe by resort management and or where there is an avalanche warning in place, parapenting, ski acrobatics, stunting, ski bob racing, ski flying, ski jumping, ski racing or training, the use of skeletons or bobsleighs, snowmobiling and tobogganing.

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

A policy can be taken out by a single person, couples, families (including single parent families) and an unlimited number of individuals categorised as a group. (Although there is no premium benefit)

Family means, the parents (up to a maximum of two adults) and their children under 18 or under 24 and in full time education. Cover for families shall apply where the appropriate premium has been paid. Both adults and children insured on an annual multi-trip policy are entitled to travel independently of each other.  

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

EHIC not Mandatory, but recommended if traveling to the EU.  If you are travelling to Australia you must register with Medicare on arrival. There is a Medicare office in all major towns and cities in Australia.

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

There are four activity packs, labelled Activity Pack Covered as standard, Activity Pack 1,2,3. There are over 30 activities covered as standard, with additional packs available with an additional premium.  All additional packs exclude personal liability and Activity Pack 3 excludes personal liability and carries and increased medical excess of £250.

It is important that you check the list of activities excluded, 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 “You, your travelling companion, close relative or business associate being under the influence  of:-  - drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction);  - alcohol (a blood alcohol level that exceeds 0.19% ? approximately four pints or four 175ml glasses of wine); - solvents, or;  - or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.”

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

End Supplier Failure is included in all policies.  This covers you for irrecoverable sums you paid in advance and reasonable costs to replace that part of the holiday to a similar standard, if you have to come home, costs or return transportation to the UK.

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

Cover is excluded for *pre-existing medical conditions unless you call our Medical Screening Helpline on 0203 829 3862 to extend cover. You can call Medical Screening before or after you purchase this policy. *Policy Definitions: A pre-existing medical condition is:- Any cardiovascular or circulatory condition which has been suffered or for which any form of medical advice, treatment or medication has been received at any time; or any treatment, prescribed medication, medical advice, investigation, follow up or check up.

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?

Policy States "Our 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 hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyper-emesis 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?

Manual Labour is excluded under this policy.  This is work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys, or any form of work underground. Animal Conservation/Game Reserve Work is included in Activity Pack 2.

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?

The Insured Person shall produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £50. Where this is not done liability shall be limited to £50.

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?

This insurance will not cover you for any consequence in respect of all sections other than emergency medical expenses - war, terrorism, biological or  chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil  war, rebellion, revolution, insurrection or military or usurped power.

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?

You and all other insured persons must be resident in the United Kingdom, Channel Islands or the Isle of Man and registered with a medical practitioner in one of these areas, being the one in which you permanently reside.

Travel Insurance Plus's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on travel-insurance-plus-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 Travel Insurance Plus 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 Travel Insurance Plus Policies

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

  • Travel Insurance Plus policies cater for unlimited groups of individuals
  • End Supplier failure covered as standard
  • No online underwriting of pre existing medical conditions

What Cover do Travel Insurance Plus 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

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    75

    65

    65

    75

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    7,500,000

    10,000,000

    10,000,000

    7,500,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,500

    2,500

    5,000

    5,000

    2,500

    1,500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    25,000

    25,000

    25,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,500

    2,500

    2,500

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

    400

    400

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    250

    400

    400

    250

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    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

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    25,000

    25,000

    25,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    250

    150

    500

    500

    150

    250

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    5,000

    5,000

    5,000

    5,000

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    25

    75

    200

    200

    75

    25

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    200

    300

    300

    200

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    1,000

    1,000

    1,000

    1,000

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • 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

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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 Travel Insurance Plus.

Listed below are some Sample Quotes offered by Travel Insurance Plus

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 60 - 64

Trip Days: 21

 Travel Insurance Plus Travel Insurance Review
Product Rating

Experience Rating

Silver

75

Medical Expenses 7,500,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 200

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 7

 Travel Insurance Plus Travel Insurance Review
Product Rating

Experience Rating

Gold

65

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 365

 Travel Insurance Plus Travel Insurance Review
Product Rating

Experience Rating

Gold

65

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 365

 Travel Insurance Plus Travel Insurance Review
Product Rating

Experience Rating

Silver

75

Medical Expenses 7,500,000

Cancellation 2,500

Missed Departure 1,000

Delayed Departure 200

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000