UIA Travel Insurance Review

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

Who are UIA Travel Insurance

UIA Mutual was started to provide top quality and great value insurance to trade union members and their families. Whilst Union members get a discount, their services are also available to the general public, who want to take advantage of UIA's competitive premium and products.

Being a mutual company means that they are owned by the policyholders and as a result are able to offer lower premiums. UIA's travel insurance is arranged and administered by All Clear Insurance Services.

Trade Union members and their family and friends save 10% by buying online.

How to Buy Travel Insurance from UIA Mutual

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

How UIA 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 UIA Mutual.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from UIA Travel Insurance. They are - premier - standard - value. We have rated these as follows:-

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Value:

UIA Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

UIA Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from UIA Travel Insurance. They are - premier - standard - value. We have rated these as follows:-

Rating for Annual Premier:

Rating for Annual Standard:

Rating for Annual Value:

UIA Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

UIA 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 UIA Mutual's policy wording

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

For the purposes of this insurance, children are aged under 18, accompanying their parents or legal guardian, insured on the same policy, travelling on the same trip to the same destination.

2. What are the policy age limits?

Both the single and annual multi trip policies have no age limit.

3. What are the policy Trip Duration limits?

Single trip duration limit is 365 days.

Annual Travel. You are allowed an unlimited  number of trips. Each trip restricted to 45 days, unless you are over the age of 71  when each trip is restricted to 31 days.

4. What are the options for Winter Sports cover?

Winter sports can be added to a policy by anyone under the age of 65. In respect of annual multi-trip policies winter sports is restricted to a maximum of 17 days per policy year.

Wintersports includes 12 different activities, including off piste skiing provided you are accompanied by or accessible to an experienced and/or suitably qualified instructor or guide.

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

A policy can be taken out by an individual, couple in a domestic relationship, living at the same address, or a family, consisting of up to two adults and any number of their children.  

The policy will also quote for up to ten individuals who do not fit one of the above categories, provided they are all travelling together to the same destination.

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

If you are a UK resident you are entitled to medical treatment at a reduced cost or even free, when visiting European Union countries including Switzerland, provided you are carrying a European Health Insurance Card.

If you use the EHIC and the cost is reduced as a result, the UIA will waive the excess. If you are travelling to Australia, reciprocal agreements also apply and should you need medical treatment, you must phone the Insurer to obtain their authority.

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

UIA provide a list of sports and activities that are and are not covered. 85 Different activities are automatically covered there are eight activities that require a loading to the premium such as Go karting over 120cc (which requires a 100% loading to the premium.

Some of the activities also have terms attached to them such as excluding claims for personal liability or accident. We strongly suggest that you carefully check the policy wording to make sure the activties you wish to do are covered.

8. What are the policy Alcohol Exclusion terms?

The UIA policy excludes any claim caused by you being under the influence of drink.

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

Financial Failure covered under the Premier Policy.

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

Pre existing medical conditions excluded, but able to add conditions and have them underwritten online at the point of sale by answering a few simple questions.

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

Childbirth is not considered an unforeseen event and as a result there is no cover, if at the start, or during your trip you are more than 36 weeks and 6 days pregnant.

Cover is only provided under curtailment and Medical Emergency Expenses for claims arising from complications of pregnancy and childbirth. The policy provides a list of the complications it will cover.

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

The UIA policy excludes any loss or damage arising out of you engaging in manual work.

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

The UIA policy states that you must produce and retain all receipts in the event of a claim, as your claim may be rejected if they are not produced.

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

The UIA policy excludes claims relating to war or warlike operations.

The policy also excludes claims involving any act of terrorism, but this exclusion does not apply to claims for emergency medical expenses, or personal accident, provided you have not participated in any incident.

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

Travel disruption due to natural disaster or catastrophe is available as a paid option.

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

To be eleigible for a UIA policy, you must have resided in the UK for no less than six months, have a permanent address here and be registered with a UK general practitioner.

UIA Mutual's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on uia-mutual-travel-insurance-reviews'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 UIA 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 UIA Policies

We've highlighted Pro's and Cons for UIA, 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 UIA Mutual.

  • No age limit on single trip or annual travel policies
  • A single trip policy can be taken out for up to 365 days
  • Premier Policy includes financial failure cover as standard
  • Pre-existing medical conditions can be under written online at the point of sale

No Con's

What Cover do UIA 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

    premier

    Single Trip

    standard

    Single Trip

    value

    Single Trip

    premier

    Annual

    standard

    Annual

    value

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    100

    150

    50

    100

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    5,000,000

    1,000,000

    10,000,000

    5,000,000

    1,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    1,500

    1,000

    3,000

    1,500

    1,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    20,000

    0

    20,000

    20,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,500

    1,000

    0

    1,500

    1,000

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    150

    0

    200

    150

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    200

    0

    300

    200

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    300

    0

    300

    300

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    0

    2,000,000

    2,000,000

    0

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    10,000

    0

    25,000

    10,000

    0

  • 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

    20,000

    20,000

    0

    20,000

    20,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    300

    0

    300

    300

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    300

    300

    0

    300

    300

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

  • 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

    100

    100

    0

    100

    100

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    0

    100

    100

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    250

    0

    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

    3,000

    0

    0

    3,000

    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

    Y

    N

    N

    Y

    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

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • 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

    Y

    Y

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • 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 UIA Mutual.

We are currently Awaiting Details of quotes for this provider.

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