TUI Travel Insurance Review

TUI Travel Insurance Review

Reviewed by:

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 TUI 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 TUI Travel Insurance

TUI Travel Insurance formerly Thomson Travel, probably one of the best known Travel Companies in the UK. TUI offer travel insurance that has been arranged and underwritten by AXA Insurance UK Plc. TUI UK Limited is an Appointed Representative of AXA Insurance UK plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.

There are 3 levels of cover to choose from Silver, Gold and Platinum, plus you can add Winter Sports and Golf cover to these to further tailor the policy to your needs.  TUI cater for Individuals, Couples, Families and Groups requiring cover for Single Trips, Annual Cover and Weekend Breaks.   An example quote for a 30-39 year old, travelling for 7 days to Europe would cost from just over £10 and includes £2 million Medical Expenses cover with £150 excess, however you can increase this to just over £24 and get £10 Million Medical Expenses cover with £0 excess.

 

How to Buy Travel Insurance from TUI Travel Insurance

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

How TUI 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 TUI Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from TUI Travel Insurance. They are - Platinum - Gold - Silver. We have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Gold:

Rating for Single Trip Silver:

TUI Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

TUI Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Gold:

Rating for Annual Platinum:

Rating for Annual Silver:

TUI Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

TUI 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 TUI Travel Insurance's policy wording

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

This is not specifically defined on the policy, however the quotes do discount under 18's and the policy states that if you are under 18 insurance is only provided where you are travelling with one or both of the insured adults.

2. What are the policy age limits?

Single Trip maximum age limit is 85 years.

Annual Trip maximum age limit is 75 years.

3. What are the policy Trip Duration limits?

Single Trip, Trip duration is up to 183 days.

Annual Trip, Trip duration is for any number of trips up to 31 days per trips.

4. What are the options for Winter Sports cover?

You can obtain Winter Sports cover on your Annual policy for up to 17 days during the period of insurance. Winter Sports cover on your Single Trip policy is for the entire duration of your trip.

The policy covers 19 different winter activities including off-piste skiing within resort boundaries. Some of the activities exclude personal liability cover, so you need to check carefully which ones they are.

Cover is for:

  • Ski Equipment          £500 (£300 Single Article)
  • Hired Ski Equipment £250
  • Ski Equipment Hire   £150 (£15 per day)
  • Ski Pack                  £250
  • Lost Lift Pass            £150
  • Piste Closure            £300 (£20 per day)
  • Avalanche Cover      £100

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

Families are classed as cover where you have at least one child travelling with you on your insurance.  When obtaining quotes there is no specific age limit listed for classification as a child, however on obtaining a quote for two adults and two children under 18 years, the quote is discounted for the children.

Up to 10 persons can be quoted for.

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

You are required to obtain an EHIC Card if you are travelling within the EU. If you are travelling to Australia you should enrol with Medicare if you require treatment.

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

There are a list of approximately 70 activities included as standard on the policy, some of which are * starred as excluding cover for Personal Liability.  

Any activity that is not listed on the policy wording or you have specifically included is not covered, so its important if your holiday will include activities that you double check the policy (pages 23 and 24) to ensure you are adequately covered.

8. What are the policy Alcohol Exclusion terms?

The policy specifically excludes you drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of your physical ability and/or judgement resulting in a claim.

TUI do not expect you to avoid alcohol 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, or you are suffering from alcohol dependence or directly or indirectly from the symptoms of alcohol withdrawal and/or you need to make a claim as a result.

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

All policies exclude cover for end supplier failure or scheduled airline failure.

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

Pre-existing conditions can be quoted for online. We obtained a quote for 7 days to Spain for a 49 year old with Type 2 Diabetes, answering no to all the additional health questions, the resulting premium was £29.93 for the Silver policy, as opposed to £20.82 without.

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

You are not covered for " Normal pregnancy, without any accompanying bodily injury, illness,
disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal 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 work is excluded under this policy, however as listed on page 23 activities, Non manual work (including professional, administrative or clerical duties only) is allowed.  This excludes cover under Personal Liability

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

The policy states that "Proof of ownership such as an original receipt, a valuation, original
user manual or bank or credit card statements for items lost, stolen or damaged and for all items of clothing, medication and toiletries replaced if your baggage is temporarily lost in transit for more than 12 hours."

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

The policy states that cover is not provided for " War risks, civil commotion, terrorism, (except under Section B Emergency medical and other expenses, Section C Hospital benefit and Section D Personal accident unless caused by nuclear, chemical or biological attack), sonic bangs, radioactive contamination."

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

You are covered under the Gold and Platinum Policy for up to £600 but not the Silver policy.

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

To be eligible for a policy you must be permanent residents of the UK and registered with a GP.

TUI Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on tui-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 TUI 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 TUI Policies

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

  • Winter sports cover up to 19 different activities as standard.
  • All policies include mountain rescue as standard
  • Medical conditions can be quoted for online using the medical screening process
  • No cover for scheduled airline or end supplier failure

What Cover do TUI 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

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

    Platinum

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    100

    0

    0

    100

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    2,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

    2,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    750

    3,000

    20,000

    20,000

    3,000

    750

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    30,000

    40,000

    40,000

    30,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    750

    1,500

    2,500

    2,500

    1,500

    750

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    300

    400

    400

    300

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    300

    400

    400

    300

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    300

    400

    400

    300

    0

  • 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

    10,000

    15,000

    15,000

    10,000

    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

    10,000

    30,000

    40,000

    40,000

    30,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    300

    400

    400

    300

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    500

    500

    500

    500

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    150

    150

    150

    150

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    200

    300

    300

    200

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    500

    1,000

    1,000

    500

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    1,500

    1,500

    1,500

    1,500

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    600

    600

    600

    600

    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

    1,500

    1,500

    1,500

    1,500

    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

    Y

    Y

    Y

    Y

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    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

    Y

    Y

    Y

    Y

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

Sample Quotes from TUI Travel Insurance.

Listed below are some Sample Quotes offered by TUI Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 21

TUI Travel Insurance Review
Product Rating

Experience Rating

Platinum

0

Medical Expenses 10,000,000

Cancellation 20,000

Missed Departure 1,000

Delayed Departure 300

Baggage 2,500

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 15,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 60 - 64

Trip Days: 21

TUI Travel Insurance Review
Product Rating

Experience Rating

Gold

100

Medical Expenses 5,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 200

Baggage 1,500

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Europe

Individual

Age: 65 - 70

Trip Days: 365

TUI Travel Insurance Review
Product Rating

Experience Rating

Silver

150

Medical Expenses 2,000,000

Cancellation 750

Missed Departure 0

Delayed Departure 100

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000

Annual

Europe

Individual

Age: 50 - 59

Trip Days: 365

TUI Travel Insurance Review
Product Rating

Experience Rating

Silver

150

Medical Expenses 2,000,000

Cancellation 750

Missed Departure 0

Delayed Departure 100

Baggage 750

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000