Tripsure Travel Insurance Review

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

Who are Tripsure Travel Insurance

TripSure is a trading style of Avidia Ltd which is Authorised and regulated by the Financial Conduct Authority as an appointed representative of Avidia IG Ltd. (FCA: 314278). Tripsure policies are underwritten by Arrow Underwriting services as agents for Astrenska Insurances Ltd.

Tripsure offers come in the form of single trip or annual travel insurance and three levels of cover Bronze, Silver and Gold. Customers can save 10% by buying online and 20% if they purchase the gold plus policy.

How to Buy Travel Insurance from Tripsure Travel Insurance

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

How Tripsure 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 Tripsure Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Tripsure 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:

Tripsure Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Tripsure Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Bronze:

Tripsure Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Tripsure 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 Tripsure Travel Insurance's policy wording

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

Children are classed as aged under 18 years, in full time education and residing with their parents.

2. What are the policy age limits?

At time of purchase:-

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

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

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 60 days. Annual Multi Trip, Trip Duration is 31 days per trip as standard, this can be increased to 45 or 60 days with the payment of an additional premium.

4. What are the options for Winter Sports cover?

Winter Sports can be added for the entire duration of your Single Trip, or for a maximum of 21 days on your Annual Multi Trip Policy.

The winter sports section covers the following activities : snowboarding, glacier walking (under 2000m), mono skiing, guided cross country skiing (Nordic skiing), husky and reindeer rides, snow sledging and skiing, ice skating.

Skiing and snowboarding off-piste, only if the Table 4 sport activities upgrade has also been purchased.

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

Group up to 10.

Family means the main Insured Person, his/her spouse or Common Law Partner, and their dependent children under 18 years of age (in full-time education and residing with them).

Note: Adults can travel independently on a family annual multi-trip policy, however children must be travelling with at least one of the insured adults named on the policy (unless referred to and accepted (depending on the circumstances) by the issuing agent on every occasion).

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

EHIC Mandatory if traveling to the EU. When You are travelling to Australia You must enrol for treatment under the national Medicare scheme if You receive treatment.

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

There are over 40 activities covered as standard on this policy, with additional activities split into tables 2/3 that can be purchased at additional premium.  Each activity is listed next to special conditions and exclusions, in addition details whether personal accident and legal liability are included or excluded.   There is also a list of excluded activities.

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 “Any claim arising directly or indirectly from Your drug use (unless the drugs administration follows a doctor’s prescription), Your drug or alcohol addiction or solvent abuse, You being under the influence of alcohol or drug(s) or where You are affected by any sexually transmitted disease or infection. Note: You are not expected to avoid all alcohol during your trip however claims arising from Your consumption of any amount of alcohol that is considered to  have resulted in Your impaired faculties or judgement may be declined. Your claim can also be declined where you delay or refuse to allow the treating doctor, medical facility or the police to complete any reasonable testing such as breathalyser or blood tests at Our request and/or You refuse to make the report available to Us.”

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

Not Covered under this policy.

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

Cover is excluded for pre-existing medical conditions on this policy.

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 "Cover under this policy is provided for unforeseen events. In particular, cover is provided for unforeseen bodily injury or illness. Pregnancy and Childbirth are not considered to be either an illness or injury. For the avoidance of doubt, please note that cover is ONLY given for claims arising from Complications of Pregnancy and Childbirth. For the purposes of this Policy ?Complications of Pregnancy and Childbirth? shall only be deemed to include the following: toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy, hydatidiform mole (molar pregnancy), post partum haemorrhage, retained placenta membrane, placental abruption, hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary emergency Caesarean sections/medically necessary termination and any premature births more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date. Any complication where the same complication has occurred in a previous pregnancy will not be covered. "

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.  However, Work Abroad (Non Manual) is included. Manual work is defined as work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, (other than in a purely managerial/supervisory, sales or administrative capacity), or the undertaking of any trade of plumber, electrician, lighting or sound technician, carpenter, painter/decorator, builder or manual labour of any kind (other than in the catering industry) including gardening.

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 an original receipt, valuation report or other satisfactory proof of ownership (for example, a photograph of You wearing the article) and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £50 and up to a maximum of £150 for all unreceipted items with an individual value of £50 or more. Evidence of replacement value is not sufficient.

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 of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under Emergency medical ,Hospital benefit and Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.

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

Cover is not included as standard, however, you can add this as an optional extra.

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

Your principal place of residence must be in the UK Area, used for domestic purposes.

Tripsure Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on tripsure-travel-insurance-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 Tripsure 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 Tripsure Policies

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

  • 10% online discount (20% for gold cover)
  • Legal Expenses and Dental cover not included as standard.
  • No cover for scheduled airline failure
  • No option to cover pre existing medical conditions

What Cover do Tripsure 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

    150

    125

    100

    100

    125

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    12,000,000

    16,000,000

    20,000,000

    20,000,000

    16,000,000

    12,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    1,500

    2,000

    2,000

    1,500

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    15,000

    15,000

    10,000

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    500

    1,000

    1,500

    1,500

    1,000

    500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    350

    500

    500

    350

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    350

    500

    500

    350

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    300

    500

    500

    300

    200

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    3,000,000

    3,000,000

    2,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    5,000

    5,000

    20,000

    20,000

    5,000

    5,000

  • 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

    0

    0

    0

    0

    0

    0

  • 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

    5,000

    10,000

    15,000

    15,000

    10,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    300

    500

    500

    300

    200

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    300

    500

    500

    300

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    75

    200

    240

    240

    200

    75

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    200

    400

    400

    200

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    250

    500

    500

    250

    0

  • 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

    0

    0

    0

    0

    0

    0

  • 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

    0

    0

    0

    0

    0

    0

  • 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

    N

    N

    N

    N

    N

    N

  • 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

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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 Tripsure Travel Insurance.

Listed below are some Sample Quotes offered by Tripsure Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 18 - 29

Trip Days: 21

Tripsure  Travel Insurance Review
Product Rating

Experience Rating

Bronze

150

Medical Expenses 12,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 500

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 5,000

Single Trip

Worldwide

Family

Age: 40 - 49

Trip Days: 7

Tripsure  Travel Insurance Review
Product Rating

Experience Rating

Silver

125

Medical Expenses 16,000,000

Cancellation 1,500

Missed Departure 250

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 5,000

Annual

Europe

Couple

Age: 40 - 49

Trip Days: 365

Tripsure  Travel Insurance Review
Product Rating

Experience Rating

Silver

125

Medical Expenses 16,000,000

Cancellation 1,500

Missed Departure 250

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 5,000

Annual

Worldwide

Family

Age: 50 - 59

Trip Days: 365

Tripsure  Travel Insurance Review
Product Rating

Experience Rating

Gold

100

Medical Expenses 20,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 400

Baggage 1,500

Personal Accident 15,000

Personal Liability 3,000,000

Legal Expenses 20,000