Twopointfive Travel Insurance Review

Twopointfive 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 Twopointfive 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 Twopointfive Travel Insurance

TWO POINT FIVE NO LONGER OFFER TRAVEL INSURANCE AND HAVE BEEN REBRANDED TO COVERFORYOU.COM

How to Buy Travel Insurance from Twopointfive Travel Insurance

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

How Twopointfive 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 Twopointfive Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Twopointfive 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:

Twopointfive Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Twopointfive Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Twopointfive 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:

Twopointfive Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Twopointfive 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 Twopointfive Travel Insurance's policy wording

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

Children are classed as those under the age of 18, living at home with you and in full time education

2. What are the policy age limits?

At time of purchase:-

55 or under (at the date of purchase of the insurance).

55 or under for 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 6 months.  Annual Trip, Trip Duration is up to 31 days per trip.

4. What are the options for Winter Sports cover?

You can add Winter Sports for the entire duration of your Single Trip or for up to 17 days on your Annual Trip.

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

Group up to 11 persons

Family means two adults and up to 9 of their dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.

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

EHIC Strongly Recommended but not Mandatory when visiting the EU.  If travelling to Australia you must enrol with Medicare on arrival.

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

Sports and Hazardous Pursuits are categories There are in excess of 50 Sports & Activities covered as standard on this policy, some have been * starred to exclude Personal Liability and other requirements on provision of cover. There are additional activities graded B and C, plus Winter Sports that can be added with an additional premium.

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 “You, your travelling companion, close relative or business associate being under the influence of:-  drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction); alcohol (a blood alcohol level that exceeds 0.19% approximately four pints or four 175ml glasses of wine); solvents, or;  anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

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

Included on all policies up to £2500.  This covers you for reasonable sums to continue your holiday to the standard you booked while in the UK, should the airline/supplier fail after departure, or provide cover for irrecoverable sums paid prior to departure.  This includes Airline, Hotel, Train, Car Ferries, Villas, Coach Operators, Car or Camper Van hire, Caravan or Camp Sites, Mobile Homes, Safaris.

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

Pre-existing medical conditions are not covered by this Insurance Provider.

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 “Policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.”

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.  Manual Work is defined as  Work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys, or any form of work underground.

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?

Proof of value and ownership of property and money is required for any item with a purchase price in excess of £50 must be supported by original proof of ownership/purchase. Any items not supported by such proof of ownership/purchase will be paid at the maximum of £50 subject to an overall limit for all such items of £150.

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?

Claims relating to cyber events are excluded. Terrorism is also excluded except for losses under emergency medical expenses.

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

Included for Gold Policy only.

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

You and all other insured persons must be a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas.

Twopointfive Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on two-point-five-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 Twopointfive 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 Twopointfive Policies

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

No Pro's

No Con's

What Cover do Twopointfive 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

    200

    150

    75

    75

    150

    200

  • 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

    500

    1,000

    5,000

    5,000

    1,000

    500

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    15,000

    25,000

    25,000

    15,000

    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

    200

    200

    200

    200

    200

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    500

    500

    500

    500

    200

  • 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

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    5,000

    20,000

    25,000

    25,000

    20,000

    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

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • 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

    15,000

    25,000

    25,000

    15,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    200

    500

    500

    500

    500

    200

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    900

    900

    900

    900

    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

    750

    1,000

    1,000

    1,000

    1,000

    750

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    150

    150

    150

    150

    150

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    300

    500

    500

    300

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    500

    1,500

    1,500

    500

    250

  • 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

    2,500

    2,500

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    1,000

    1,000

    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

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • 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

    Y

    Y

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    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

    N

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    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 Twopointfive Travel Insurance.

Listed below are some Sample Quotes offered by Twopointfive Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Couple

Age: 30 - 39

Trip Days: 14

Twopointfive  Travel Insurance Review
Product Rating

Experience Rating

Gold

75

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,500

Delayed Departure 500

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Individual

Age: 18 - 29

Trip Days: 7

Twopointfive  Travel Insurance Review
Product Rating

Experience Rating

Bronze

200

Medical Expenses 2,000,000

Cancellation 500

Missed Departure 250

Delayed Departure 0

Baggage 500

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 5,000