Trust2Travel Travel Insurance Review

Trust2Travel 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 Trust2Travel.co.uk and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Trust2Travel Travel Insurance

Trust2Travel is a trading name of International Travel and Healthcare Ltd. Until very recently they used to operate their own wbesite, but their policies now appear as part of a panel of insurers on the All Clear Travel Insurance Website. All Clear Travel Insurance specialise in cover for the elderly, those with Medical Conditions and have helped over one million people arrange travel insurance.

At 48 Pages, Trust2Travels policy wording (as with most policy wording) is lengthy but important reading.  We've taken key information from the policy wording and split it into useful information blocks to help you decide whether Trust2Travel has the right cover for you.

How to Buy Travel Insurance from Trust2Travel.co.uk

Click on the website link to go directly to the insurance providers website. Visit Trust2Travel.co.uk's Website and Get a Quotation direct

How Trust2Travel 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 Trust2Travel.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from Trust2Travel Travel Insurance. They are - Premium - Standard. We have rated these as follows:-

Rating for Single Trip Premium:

Rating for Single Trip Standard:

Trust2Travel Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Trust2Travel Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Trust2Travel Travel Insurance. They are - Standard - Premium. We have rated these as follows:-

Rating for Annual Standard:

Rating for Annual Premium:

Trust2Travel Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Trust2Travel 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 Trust2Travel.co.uk's policy wording

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

Children are classified as persons who are dependents and aged under 18 years old.

2. What are the policy age limits?

At time of travel:-

No age limit for Single Trips on journeys of up to 31 days.

For Journeys between 32 and 185 days, you must be under the age of 75.

75 or under for Annual Multi Trip

3. What are the policy Trip Duration limits?

Single Trip, Trip Duration up to 185 days, this reduces to 31 days if you 75 years or over.

Annual Trip, Trip Duration is 31 days as standard (can be increased to 45 days if you are aged under 65 at the time of travel).

4. What are the options for Winter Sports cover?

Winter Sports can be added for up to 17 days (annual policies) and for the duation of the trip (single trip policies) provided you are aged 65 or under.

Winter sports covers Ski Equipment, ski hire, ski pack, piste closure, Avalanche and Landslide.

The winter sports policy covers cross‐country skiing, curling, dog sledding, downhill skiing, glacier walking, ice skating, mogul skiing, mono skiing, skiing on or off‐piste (off‐piste only with a qualified guide or instructor), snowboarding on or off‐piste (off‐piste only with a qualified guide or instructor), snowmobiling, speed skating and tobogganing.

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

Groups of adults who are not related and be covered on one single trip policy. The scheme will allow up to 6 children per adult on the policy.

Family Travel means you, your spouse (or a partner you have lived with for six months or more) and your dependent children (aged under 18 years) are eligible for cover if you pay the appropriate premium.

A policy may also be taken out by a single person, or a couple (who have been living together for at least six months)

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

EHIC not Mandatory but strongly advised if travelling to the EU.  If you are travelling to Australia you should register with Medicare if requiring treatment.

If a medical expenses claim is reduced through use of the EHIC card, the excess will be waived.

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

Check the policy schedule, there are over 90 activities listed as standard. Each activity is listed in a table together with conditions in relation to Medical Expenses Excess increase and whether Personal Liability is excluded. 

If you intend to take part in an activity not listed, we would recommend that you obtain permission in writing and pay any additional premium to ensure that you are covered.  Some activities are * starred that you are only covered if you are aged 75 years or under.

8. What are the policy Alcohol Exclusion terms?

Policy states cover is excluded for “you driving, or in charge of a vehicle where your blood/urine alcohol level is above the legal limit stated in the laws of the country where the incident occurs.”

But no mention of any other alcohol exclusion.

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

End Supplier Failure covered as standard

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

Pre-existing Medical Conditions can be quoted for, provided you complete the online screening process. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

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?

Insurance Provider states they are not liable for “normal pregnancy and childbirth, unless it is a complication of pregnancy or childbirth. This section is designed to provide cover for unforeseen events, accidents, illnesses, diseases and normal pregnancy and childbirth would not constitute an unforeseen event”.

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 for this policy. You are not covered for your participation or engagement in: manual work, professional entertaining, professional sports, racing (other than on foot), motor rallies and motor competitions, flying except as a fare paying passenger in a fully licensed passenger carrying aircraft.

Manual work means working with your hands or physical strength involving lifting and carrying of items heavier than 20 kg or working to heights in excess of 1M.

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?

Original receipts for items delayed, lost, stolen or damaged must be retained to validate your claim.

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?

Cover is excluded for war, whether declared or not; Terrorism, but this exclusion shall not apply to losses under the Medical Expenses Section, Hospital Benefit Section and Personal Accident Section unless the disturbances were already taking place at the beginning of the journey; ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly; you being exposed to the utilisation of nuclear, chemical or biological weapons of mass destruction;

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

Covered under all Policies.

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

This policy is only available to You if You are a UK or Channel Islands resident and have lived there for at least 6 of the last 12 months.

Trust2Travel.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on trust-2-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 Trust2Travel 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 Trust2Travel Policies

We've highlighted Pro's and Cons for Trust2Travel, 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 Trust2Travel.co.uk.

  • No Age Limit on Single Trip Policies for trips of up to 31 days
  • Pre Existing Medical Conditions can be quoted for through Online Screening.
  • End Supplier Failure as standard
  • Catastrophe cover as standard

No Con's

What Cover do Trust2Travel 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

    Standard

    Annual

    Premium

    Annual

    Premium

    Single Trip

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    5,000

    5,000

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    15,000

    15,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    3,000

    3,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    300

    300

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    300

    300

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    700

    700

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    20,000

    20,000

    15,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    15,000

    15,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    700

    700

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    800

    800

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,000

    1,500

    1,500

    1,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    300

    300

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    150

    150

    150

    150

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

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

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

Sample Quotes from Trust2Travel.co.uk.

Listed below are some Sample Quotes offered by Trust2Travel.co.uk

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 18 - 29

Trip Days: 7

Trust2Travel Travel Insurance Review
Product Rating

Experience Rating

Standard

75

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 150

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 76 +

Trip Days: 7

Trust2Travel Travel Insurance Review
Product Rating

Experience Rating

Premium

75

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 150

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Europe

Couple

Age: 60 - 64

Trip Days: 365

Trust2Travel Travel Insurance Review
Product Rating

Experience Rating

Standard

75

Medical Expenses 10,000,000

Cancellation 1,000

Missed Departure 500

Delayed Departure 150

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Europe

Couple

Age: 65 - 70

Trip Days: 365

Trust2Travel Travel Insurance Review
Product Rating

Experience Rating

Premium

75

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 150

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 20,000