Travel Insurance Direct Travel Insurance Review

Travel Insurance Direct Travel Insurance Review

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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 Direct 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 Direct Travel Insurance

Travel Insurance Direct no longer offer travel insurance

Click here for a range of alternative travel insurance quotes

Travel Insurance Direct is a trading style of Travel Insurance Agencies Limited, based in Norwich they have been servicing the travel industry since 1998.   Examples of quotes for a 39 year old to Europe for 7 days started at £11.98 for their basic policy, rising to £22.98 for the premier policy.  All Single Trip and Annual Trip policies offer £10 million worth of Medical Expenses cover.   Their Backpacker (Discovery) Policy prices for anyone up to age 45 start at £179.61 for a years policy on their basic policy, rising to £329.61 on their premier policy.

You can add Winter Sports and Golf cover to all policies, you can also add Motorcycle Touring to your Single Trip Policy.  There is a separate policy if you require business insurance, prices for a Business Annual Multi Trip Policy. for a 45 year old making multiple trips to Europe for up to 24 days a time, start at £38.43 on their standard policy, increasing to £46.89 on the premier policy.

How to Buy Travel Insurance from Travel Insurance Direct

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

How Travel Insurance Direct 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 Direct.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Travel Insurance Direct Travel Insurance. They are - Premier - Standard - Light - Basic. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Light:

Rating for Single Trip Basic:

Travel Insurance Direct Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 4 Backpacker Policies from Travel Insurance Direct Travel Insurance. They are - Discovery Premier - Discovery Standard - Discovery Light - Discovery Basic. We have rated these as follows:-

Rating for Backpacker Discovery Premier:

Rating for Backpacker Discovery Standard:

Rating for Backpacker Discovery Light:

Rating for Backpacker Discovery Basic:

Travel Insurance Direct Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Travel Insurance Direct Travel Insurance. They are - Premier - Standard - Light. We have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Standard:

Rating for Annual Light:

Travel Insurance Direct Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Travel Insurance Direct 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 Direct's policy wording

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

Children are classed as persons aged 17 or under.

2. What are the policy age limits?

Single Trip Travel Insurance maximum age is 74 years  (69 if Motorcycle cover is required. 69 years for shorter stay including Winter Sports or 45 if you require a longer period of insurance)

Annual Multi Trip Travel Insurance maximum age is 69 years. Medical Expenses and Cancellation excesses are doubled for persons over the age of 66.

Backpacker/Longstay Travel Insurance maximum age is 45 years.

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 365 days for persons aged 69 or under, this is restricted to 31 days for persons aged 70 to 74 years

Annual Multi Trip, Trip Duration is any number of trips, you can choose from 24, 31, 45 or 60 days.

Backpacker (Discovery) Trip Duration is up to one year and four months. 

Any trips with a duration in excess of 4 months, include one return home visit during the period, for which time cover will be suspended.

4. What are the options for Winter Sports cover?

Wintersports can be added for the entire duration of your Single Trip Policy, for Annual Policies this is limited to 24 days provided the appropriate premium is paid.  (There is no cover for winter sports if you choose the Basic or Light policy).

If you require Winter Sports Longstay (for the Ski Season) a maximum age limit applies of 45 years.

The Travel insurance Direct policy covers the following winter sport activities Skiing, off-piste skiing (except in areas designated unsafe by the resort management), snowboardingwith a leash, recreational racing, mono skiing, guided cross country skiing, snow moniling, snow tubing, snowshoeing, tobogganing and ice skating.

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

There is no specific definition for a family on the policy, however when obtaining a quote, children are classed as persons aged 17 or under.

There is a limit of 20 persons on any one policy.

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

The Policy states that if you are travelling within the EU you should obtain an EHIC Card. If you are travelling to Australia and you have to go to hospital for treatment, you must register with Medicare.

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

Activities are split into Groups 1 to 3, with an additional section for Wintersports. There are 50 activities covered in Group 1, benefiting from the full policy cover levels.  There are a further 10 activities in Group 2 and 19 Group 3, these are subject to 50% reduction in Personal Accident Benefits and the Medical Expenses Excess increases to £300.

Activities in Group 1 and 2 must be carried out on an unplanned or Incidental basis and must not be the main purpose of your trip.  Group 3 includes participation on a regular, non-casual basis or are the main purpose of your trip.

8. What are the policy Alcohol Exclusion terms?

The policy states you are not covered "from Your suicide or attempted suicide or willful exposure to danger (except in an attempt to save human life), sexually transmitted disease or the influence of or in connection with the use of alcohol or drugs, unless as prescribed by a treating Medical Practitioner"

In other words, you drinking too much alcohol. Travel Insurance direct do not expect you to avoid alcohol, but will not pay claims that are the result of you having drunk so much alcohol, that your judgement is seriously affected and it causes damage or injury.

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

Scheduled Airline Failure cover is provided for the Light, Standard and Premier Policies, but not the Basic Policy.  Cover amount differs from the Backpacker (Discovery) Policies, for example, the Light Discovery Policy gives £1500, whereas the Single/Annual Policy gives £3000. So if this is an important consideration, ensure to select a cover level that meets your needs.

Scheduled Airline Failure cover will only provide protection for irrecoverable sums paid in advance for Scheduled Airline flights booked in the UK, that do not form part of an inclusive (or packaged) holiday prior to departure.

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

This policy has an extensive list of conditions that you do not need to go through their Medical Screening process to be covered for.   This is listed on page 5 of the policy document.

Additionally there are further conditions listed here which also include acceptance for Type 2 Diabetes, provided this is managed via diet alone and only 1 medication (non insulin), you are a non smoker (12 months) and have never been admitted to hospital.  So its definitely worth checking this list also.

If you do need to contact their medical screening company you can call them on 0344 573 4171, you should declare fully all medical conditions, including any that are listed to ensure an accurate medical screening. 

At the time of writing this review there was no online medical screening process available.

If you have a medical condition that does not form part of the list, and the requirements for acceptance, you will need to go through a Medical Screening process

11. What are the policy rules on travelling when pregnant?

The Policy states "As is consistent with the treatment of all Pre-Existing Medical Conditions under the Policy, the Policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancies) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The Policy does, however, cover You should complications arise with Your pregnancy due to Accidental injury or unexpected illness which occurs while on Your Trip."

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

Group 3 activities on the policy cover you for Bar Work, Charity/Conservation Work (hand tools only) and Fruit Picking.   They are subject to a 50% reduction in Personal Accident cover and an increase on Medical Expenses Excess to £300.

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

Personal Effects and Baggage are not covered under the basic or light policies. Receipts are required to validate your claim for delayed baggage and although there is no specific mention of a requirement for receipts for lost baggage, there is a general requirement for receipts throughout the policy wording so we would strongly suggest that you retain proof of purchase or a current valuation for any items you are taking on holiday.

It's also a good tip to take a picture of the contents of your suitcase as proof of what you are taking.

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

The policy states that the insurer shall not be responsible for claims arising due to "

2. i) Any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation. We will, however, cover any loss or damage (but not related cost or expense, caused by any act of terrorism provided that such act did not happen directly or indirectly because of biological, chemical, radioactive or nuclear pollution or contamination or explosion
iii) Any direct or indirect consequence of war, civil war, invasion, acts of foreign enemies (whether war be declared or not), rebellion, revolution, insurrection, military or usurped power, or confiscation, nation-alisation, requisition, destruction of or damage to property by or under the order of any government, local or public authority. iii) seizure or illegal occupation; or
iv) confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine or any result of any order of public or government authority which deprives You of the use or value of Your property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade; or
v) discharge of pollutants or contaminants, which pollutants and contaminants shall include but are not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
vi) chemical or biological release or exposure of any kind; or
vii) attacks by electronic means including computer hacking or the introduction of any form of computer virus; or
viii) threat or hoax, in the absence of physical damage due to an act of terrorism; or
ix) any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism. "

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

Catastrophe Cover is covered on the Standard and Premier (Single Trip and Annual Multi Trip). It is covered on the Premier Policy only on the Backpacker (Discovery) Policy.

The Policy States "The Insurer will pay You up to the amount shown in the Schedule of Cover in respect of additional travel and accommodation expenses necessary to continue Your Trip or, in the event that this is impossible, Your return Home if You are forced to relocate from Your pre-booked accommodation as a result of a Natural Catastrophe (which means: fire, lightning, explosion, earthquake, storm, tempest, hurricane or flood). "

You are not covered for:

  1. the Excess as shown in the Schedule of Cover.
  2. claims which are not substantiated by a written report from the local or national authority who ordered Your relocation confirming the exact cause of Your relocation.
  3. any costs or expenses payable by or recoverable from Your tour operator, airline, hotel or other provider of accommodation.
  4. any costs or expenses if You decide not to remain in Your booked accommodation, although it is considered safe and acceptable to continue staying there.

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

You are required to be a UK resident and be registered with a Medical Practitioner in the UK.

Travel Insurance Direct's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on travelinsurance-direct-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 Direct 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 Direct Policies

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

  • Single trip policies can be for up to 365 days
  • Children travel free
  • Scheduled airline failure cover as standard (except basic policy)
  • No online screening of pre-existing medical conditions (other than minor ailments)

What Cover do Travel Insurance Direct 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

    Light

    Annual

    Standard

    Annual

    Premier

    Annual

    Premier

    Single Trip

    Standard

    Single Trip

    Light

    Single Trip

    Basic

    Single Trip

    Discovery Premier

    Backpacker

    Discovery Standard

    Backpacker

    Discovery Light

    Backpacker

    Discovery Basic

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    75

    75

    75

    75

    75

    100

    100

    100

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    5,000,000

    5,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    3,000

    5,000

    5,000

    3,000

    3,000

    0

    3,000

    1,500

    1,500

    0

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    20,000

    20,000

    20,000

    20,000

    10,000

    0

    20,000

    10,000

    10,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    0

    1,500

    2,000

    2,000

    1,500

    0

    0

    2,000

    1,000

    0

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    0

    500

    500

    500

    500

    0

    0

    500

    250

    0

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    0

    500

    500

    500

    500

    0

    0

    500

    250

    0

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    500

    750

    750

    500

    0

    0

    500

    200

    0

    0

  • 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

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    15,000

    25,000

    25,000

    15,000

    15,000

    15,000

    25,000

    15,000

    15,000

    15,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf 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

    3,000

    3,000

    5,000

    5,000

    3,000

    3,000

    0

    3,000

    1,500

    1,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    20,000

    20,000

    20,000

    20,000

    10,000

    0

    20,000

    10,000

    10,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    500

    750

    750

    500

    0

    0

    500

    200

    0

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    900

    1,000

    1,000

    900

    0

    0

    1,000

    250

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    150

    150

    150

    150

    0

    0

    150

    75

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    300

    300

    300

    300

    300

    0

    300

    300

    300

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    800

    800

    1,000

    1,000

    800

    800

    0

    1,000

    800

    800

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    100

    100

    100

    100

    0

    0

    100

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

    0

    500

    250

    250

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    1,000

    1,000

    1,000

    1,000

    0

    0

    1,000

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    0

    250

    250

    250

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    400

    400

    500

    500

    400

    400

    0

    500

    200

    200

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    3,000

    3,000

    5,000

    5,000

    3,000

    3,000

    0

    3,000

    1,500

    1,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    N

    Y

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    Y

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    N

    Y

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • 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

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    Y

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    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

    Y

    Y

    N

    N

    Y

    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

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

Sample Quotes from Travel Insurance Direct.

Listed below are some Sample Quotes offered by Travel Insurance Direct

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 14

Travel Insurance Direct Travel Insurance Review
Product Rating

Experience Rating

Standard

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 800

Delayed Departure 300

Baggage 1,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 7

Travel Insurance Direct Travel Insurance Review
Product Rating

Experience Rating

Basic

75

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 15,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 365

Travel Insurance Direct Travel Insurance Review
Product Rating

Experience Rating

Premier

75

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

Annual

Worldwide

Individual

Age: 60 - 64

Trip Days: 365

Travel Insurance Direct Travel Insurance Review
Product Rating

Experience Rating

Premier

75

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

Backpacker

Worldwide

Individual

Age: 26 - 29

Trip Days: 90

Travel Insurance Direct Travel Insurance Review
Product Rating

Experience Rating

Discovery Premier

100

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 90

Travel Insurance Direct Travel Insurance Review
Product Rating

Experience Rating

Discovery Basic

100

Medical Expenses 5,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 1,000,000

Legal Expenses 15,000