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.

Our review of Travelinsurance.co.uk will highlight:
  • Who are Travelinsurance.co.uk and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Travelinsurance.co.uk rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Travelinsurance.co.uk policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

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.

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, Basic, we have rated these as follows:-

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Basic:

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 Basic, Budget, Silver, Gold, we have rated these as follows:-

Thats Insurance Rating for Basic:

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

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)

Awaiting user friendly score

Website

(user friendly, easy to navigate and find help)

Awaiting user friendly score

Quote System

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

Awaiting user friendly score

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:-

Super Saver, Saver and Economy Annual and Single Trip Policies. These are only available for persons aged up to and including 45 years.

Basic Single Trip and Budget Annual cover. 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.

Single Trip and Annual Cover (Gold and Silver 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 Super Saver, Saver or Economy Polices 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 if you have purchased a Super Saver Policy, 45 days if you have purchased a Saver Policy or 90 days if you have purchased an Economy  Policy.

Annual Trip, Trip Duration of 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 45 days (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 Super Saver, Saver or Economy Polices. If you have chosen the winter sports option and paid the appropriate extra premium your annual policy will also include cover for up to 10 days for winter sports for Super Saver cover (or 17 days if you have arranged
Saver cover and 24 days for Economy cover).

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

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?

You are not covered for "any claim which is directly or indirectly caused by, results from or is connection with a natural disaster or civil unrest (see Definitions). Please note that this exclusion does not apply to Medical expenses. (sections A or B depending on the policy).

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 policy boxes below. Expand the content to view star ratings 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.
  • Natural Disaster whilste excluded, does still afford cover under Medical Expenses
  • Backpacker Policies do not include Delayed Departure or Hospital Benefit, however if they did, the Backpacker policies would be rated as Gold 4 star, Black 5 star.

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

    Basic

    Single Trip

    Basic

    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

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • 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

Family

Age: 40 - 49

Trip Days: 14

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Basic

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

Couple

Age: 65 - 70

Trip Days: 14

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Basic

200

Click Heart to Favourite

Compare Now

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

Family

Age: 40 - 49

Trip Days: 21

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

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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

Europe

Individual

Age: 71 - 75

Trip Days: 365

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

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Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 400

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide

Individual

Age: 65 - 70

Trip Days: 365

Travelinsurance.co.uk 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 400

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 30 - 39

Trip Days: 365

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

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

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 270

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker Gold

50

Click Heart to Favourite

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Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 0

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 180

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 0

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide

Individual

Age: 18 - 25

Trip Days: 30

Travelinsurance.co.uk Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 0

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

How to Buy Travel Insurance from TravelInsurance.co.uk

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