Travelinsurance.co.uk Travel Insurance Review

Travelinsurance.co.uk Travel Insurance Review

Travelinsurance.co.uk Travel Insurance Review

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

Travelinsurance.co.uk is a trading name of InsureandGo. Insureandgo in turn, are a wholly owned subsidiary of MAPFRE Asistencia a spanish registered company. All are authorised and regulated by the FCA. All policies are also underwritten by MAPFRE.

Choose from single trip or an annual policy if you plan to travel more than once a year. There are three levels of cover Basic, Silver and the Five Star Rated Gold policy. If you are in to winter sports then choose an annual policy as this is automatically included. With prices starting from as little as £6.00 there is a policy to suit all budgets.

Travelinsurance.co.uk Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Travelinsurance.co.uk have been ranked using our star rating formula. Travelinsurance.co.uk 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 TravelInsurance.co.uk.

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Gold, Silver, Bronze, we have rated these as follows:-

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Bronze:

Single Trip Travel Insurance Guide here
Travelinsurance.co.uk Travel Insurance Review

Backpacker Policy Ratings Click to Expand

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

Thats Insurance Rating for Backpacker Black:

Thats Insurance Rating for Backpacker Gold:

Thats Insurance Rating for Backpacker Silver:

Thats Insurance Rating for Backpacker Bronze:

Backpacker Travel Insurance Guide here
Travelinsurance.co.uk Travel Insurance Review

Annual Policy Ratings Click to Expand

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

Thats Insurance Rating for Bronze:

Thats Insurance Rating for Budget:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Travelinsurance.co.uk Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Travelinsurance.co.uk Travel Insurance Review

Travelinsurance.co.uk's 'User Friendly' Rating

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Policy

(plain english, easy to follow & understand)

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Website

(user friendly, easy to navigate and find help)

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Quote System

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

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16 Key Points you need to know about TravelInsurance.co.uk'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 and in full time education or living at home.

2

What are the policy age limits?

At time of purchase:-

Single Trip and Annual Cover (Bronze, Silver and Gold Policies) These are only available up to and including age 75. However, if you are aged 66 and over there are restrictions on the length of time you can travel for.

Backpacker Policies: up to age 65

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 365 days if you are aged 65 or under, beginning and ending in your home area. They will only cover you for up to 31 days for each trip if you are aged 66 or over. 

Annual Trip, Trip Duration of Bronze, Silver or Gold Policies allows you to travel as many times as you like during any one period of insurance, as long as no single trip lasts longer than 31 days (Bronze cover) 45 days Silver cover (31 days if you are aged 66 or over). Under the Gold cover option the maximum length of a single trip is increased to 90 days if you are aged under 66.

Backpacker Trip Duration is from 31 days up to 18 months.

4

What does the policy offer for Winter Sports cover?

You can add Winter Sports for the entire duration of your Single Trip

Annual Trip, Trip Duration of Winter Sport policies. The annual policy will cover you for up to ten days Bronze 17 days silver and 24 days for gold policies.

The policy covers a wide range 28 different activities, including off-piste skiing and snowboarding (except in areas considered unsafe by the resort), ski stunting  and snowmobiling. Some activities carry an increased excess and excludes personal liability cover, so we recommend familiarizing yourself with the policy terms and conditions.

5

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

Family means a person and their husband, wife or partner and their dependent, adopted or fostered children who are aged under 18 and are either in full-time education or living with them.

Groups of up to 10 persons can be quoted for.

6

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

EHIC mandatory, if travelling to the EU. You must enrol in Medicare if travelling to Australia and requiring treatment.

7

What is covered under Sports and Activities on the policy?

There are over 80 Sports and Activities covered as standard, some activities exclude cover for Personal Liability and Personal Accident are excluded.

There is the option to include more extreme activities, subject to payment of an additional premium. Check the policy for details.

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?

We do not expect you to avoid alcohol consumption on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result (e.g. any medical claim where in the opinion of the treating doctor, your excessive alcohol consumption has caused or actively contributed to your injury or illness, including but not exclusively having a blood alcohol reading of more than 150mg per 100ml).

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled Airline Failure cover is available for the Basic and Budget, Silver and Gold policies up to £1000.

10

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

Pre-Existing Medical Conditions can be considered, however you will need to complete their online screening process. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

11

What are the policy rules on travelling when pregnant?

Policy States “We provide cover under this policy if something unexpected happens. In particular, we provide cover under section B Medical and other expenses for injuries to the body or illness that was not expected.  We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under sections A, B and C of this policy, for claims that come from complications of pregnancy and childbirth. Please make sure you read the definition of ‘Complications of pregnancy and childbirth’ .

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 work that is physical, including, but not limited to; construction, installation, assembly and building work. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery).

They will provide cover for manual labour that is voluntary, for a charity registered under the Charity Commission in England and Wales, the Scottish Charity regulator or the Department for Social Development in Northern Ireland 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 three meters 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 B Medical and other expenses will be £100 and an excess waiver will not delete this increased excess.

In the event of an injury occurring as a result of voluntary labour, the Policy Excess under the section Medical Emergency & Repatriation will be increased to £250 and application of Excess Waiver will not delete this increased excess. Cover excludes interaction with wild animals of any kind.

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?

Insurance Provider does not state that receipts are essential, however any claim for an item without a receipt may result in an additional 10% deduction on payments for any item with a value of over £100.

Therefore, 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 for "any claim that happens as a result of war, invasion, revolution, rebellion, act of foreign enemy or any similar event (except for any which the public did not know about
at the time of purchase of this insurance and/or prior to the booking of any individual trip). Please note that this exclusion does not apply to Medical expenses (sections A or B depending on the policy).

15

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

Available as an option

16

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

To get cover under this policy you should have been living in the UK for at least six of the last 12 months. The UK is defined as England, Scotland, Wales, Northern Ireland and the Isle of Man.

Pro's and Con's for Travelinsurance.co.uk

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 TravelInsurance.co.uk.

  • Backpacker Policy under Personal Accident covers for repayment of Student Loans in the event of a claim.
  • Gold cover has been awarded our five star rating
  • Single travel policies allow trips of up to 365 days
  • Annual Travel Gold cover allows trips of up to 90 days as standard
  • Scheduled airline cover as standard on Silver and Gold policies
  • Medical conditions can now be included by completing the online medical declaration during the quotation process
  • Can extend cover to include gadgets

No Con's

What Cover do Travelinsurance.co.uk policies offer.

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

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Budget

    Annual

    Silver

    Annual

    Gold

    Annual

    Backpacker Black

    Backpacker

    Backpacker Gold

    Backpacker

    Backpacker Silver

    Backpacker

    Backpacker Bronze

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    60

    200

    200

    100

    60

    50

    0

    50

    60

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    10,000,000

    5,000,000

    5,000,000

    5,000,000

    10,000,000

    15,000,000

    Unlimited

    15,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    3,000

    1,000

    1,000

    1,000

    3,000

    5,000

    7,500

    5,000

    3,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    50,000

    20,000

    10,000

    10,000

    10,000

    20,000

    50,000

    40,000

    25,000

    15,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,500

    1,500

    1,500

    1,500

    2,000

    2,500

    2,000

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    200

    100

    100

    100

    200

    300

    300

    200

    150

    100

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    200

    100

    100

    100

    200

    400

    600

    400

    300

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

    200

    200

    200

    500

    500

    400

    300

    200

    150

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    3,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    15,000

    10,000

    10,000

    10,000

    15,000

    50,000

    40,000

    25,000

    15,000

    10,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,000

    100

    100

    100

    1,000

    1,500

    0

    0

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    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

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    100

    50

    50

    50

    100

    200

    450

    300

    150

    75

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    400

    300

    100

    100

    100

    300

    400

    0

    0

    0

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    0

    500

    1,000

    1,500

    1,000

    500

    250

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    200

    0

    0

    0

    200

    500

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    0

    0

    0

    500

    500

    600

    500

    400

    250

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    0

    0

    0

    0

    0

    1,500

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    1,500

    1,000

    750

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    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

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    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

    Y

    Y

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    Y

    Y

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    Y

    Y

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    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

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    Y

    Y

    Y

    Y

Sample Quotes from TravelInsurance.co.uk.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Individual

Age: 50 - 59

Trip Days: 14

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Customer Rating

Silver

60

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Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 300

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Europe

Couple

Age: 65 - 70

Trip Days: 21

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Customer Rating

Bronze

200

Click Heart to Favourite

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Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 21

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Customer Rating

Bronze

200

Click Heart to Favourite

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Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

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Customer Rating

Bronze

200

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Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 71 - 75

Trip Days: 365

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Customer Rating

Silver

60

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Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 300

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 49

Trip Days: 365

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Customer Rating

Bronze

200

Click Heart to Favourite

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Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Backpacker

Worldwide

Individual

Age: 26 - 29

Trip Days: 30

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Customer Rating

Backpacker Bronze

75

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Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 250

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Worldwide

Individual

Age: 40 - 45

Trip Days: 270

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Customer Rating

Backpacker Bronze

75

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Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 250

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Europe

Individual

Age: 30 - 39

Trip Days: 365

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That's Insurance Rating

Customer Rating

Backpacker Bronze

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 250

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from TravelInsurance.co.uk

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