Virgin Money Travel Insurance Review

Virgin Money  Travel Insurance Review

Virgin Money Travel Insurance Review

Virgin Money Travel Insurance Review, Who are Virgin Money ? Who underwrites their policies? What Policies do Virgin Money offer and what Important Information should you know when thinking of buying a policy? Read on to find out.

About Virgin Money Travel Insurance

Virgin Travel Insurance is a trading name of Insure and Go Insurance services Ltd. Insure and go are a wholly owned subsidiary of MAPFRE a multinational insurance and reinsurance company

The insurance policies are underwritten by MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, Sociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HJ.

Virgin use their name on a travel policy, that is wholly managed by another company.

Virgin Money Travel Insurance Policies are Underwritten By MAPFRE Insurance

Travel Policies offered by Virgin Money Travel Insurance

Click on the blue bars on the right side of the Policy Type Bar to expand and view all policies offered by Virgin Money Travel Insurance. Find That's Insurance Star Ratings plus key information relative to those policies; for example age limits, trip durations and winter sports options.

If you would like more detailed information in relation to Policy Terms and Conditions, please refer to the Important Notes section below, where we have extracted key information from what is normally a very long policy wording document.

Single Trip Insurance Policy Click to Expand

  • No upper age limit for Single Trip Policies
  • Trip Duration is up to 365 days if you are aged 65 or under, beginning and ending in your home area. If you are aged between 66 and 75 the maximum single trip duration is limited to 31 days and if aged 76 or over the maximum single trip duration is limited to 17 days.
  • You can add winter sports, business cover, golf cover and travel disruption.
Read the Full Policy Type Guide Here

Thats Insurance Rating for Black:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Red:

Backpacker Insurance Policy Click to Expand

  • This policy is available for between 31 days and 18 months and is available for those aged up to 39.
  • Unlike alot of policies that restrict cover, you get to choose from three levels silver, gold and black.
Read the Full Policy Type Guide Here

Thats Insurance Rating for Backpacker Black:

Thats Insurance Rating for Backpacker Gold:

Thats Insurance Rating for Backpacker Silver:

Annual Insurance Policy Click to Expand

  • No upper age limit for Annual Multi Trip Policies
  • Trip Duration allows for travel as many times as you like during any one period of insurance as long as, if you are aged up to and including 65, no single trip lasts longer than 31 days for the Red cover option, 45 days for the Silver cover option or 90 days for the Gold or Black cover option. If you are aged between 66 and 75 the maximum single trip duration is limited to 31 days and if aged 76 or over the maximum single trip duration is limited to 17 days.
  • Winter sports is available for up to 10 days during the term of your annual policy if you purchase the Red cover option, 17 days for the Silver cover option and for up to 24 days if you purchase the Gold or Black cover option.

Thats Insurance Rating for Red:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Black:

Longstay Insurance Policy Click to Expand

  • Ratings are listed below, if available

Important Information on Virgin Money Travel Insurance's Policy Wording

What is age/classification of Child?

Your dependents who are under the age of 18 and in full time education or living at home.

Age Limits?

At time of purchase:-

Single Trip Policies: no upper age limits, however, trip duration limits do apply.

Annual Multi-Trip policies: no upper age limits, however, trip duration limits do apply.

Backpacker Policies: up to age 39 can be quoted online

Single Trip, Trip Duration is up to 365 days if you are aged 65 or under, beginning and ending in your home area.  If you are aged between 66 and 75 the maximum single trip duration is limited to 31 days and if aged 76 or over the maximum single trip duration is limited to 17 days.

Annual Trip, Trip Duration allows for travel as many times as you like during any one period of insurance as long as, if you are aged up to and including 65, no single trip lasts longer than 31 days for the Red cover option, 45 days for the Silver cover option or 90 days for the Gold or Black cover option.  If you are aged between 66 and 75 the maximum single trip duration is limited to 31 days and if aged 76 or over the maximum single trip duration is limited to 17 days.

Backpacker Trip Duration is from 31 days up to 18 months.

Winter sports is available for up to 10 days during the term of your annual policy if you purchase the Red cover option, 17 days for the Silver cover option and for up to 24 days if you purchase the Gold or Black cover option.   You can add Winter Sports for the entire duration of your Single Trip

No of persons covered, family/ group?

Group up to 10 people.

Family means A person and their husband, wife or partner and their dependent, adopted or fostered children who are aged under 18 and are either in full-time education or living with them.

Reciprocal Health Agreements

EHIC mandatory, if travelling to the EU. You must enrol in Medicare if travelling to Australia and requiring treatment.

Sporting Activities, what’s included?

There are over 40 activities covered as standard, some activities exclude cover for Personal Liability and Personal Accident.

It is important that you check the list of activities 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.

Alcohol Exclusion, Terms?

We do not expect you to avoid alcohol consumption 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 and you need to make a claim as a result (e.g. any medical claim where in the opinion of the treating doctor, your excessive alcohol consumption has caused or actively contributed to your injury or illness).

Scheduled Airline Failure/End Supplier Failure cover?

Scheduled Airline Failure included on all policies, additionally End Supplier failure is available on Black, Silver and Gold Policies.

Medical Conditions, Exclusions, Vaccinations?

Pre-Existing Medical Conditions can be considered, however you will need to complete their online screening process. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

Travelling while Pregnant?

Policy States “We provide cover under this policy if something unexpected happens. In particular, we provide cover under section B  Medical and other expenses for injuries to the body or illness that was not expected.  We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under sections A, B and C of this policy, for claims that come from complications of pregnancy and childbirth.” These are detailed on page 13 of the policy document.

Working while away?

Manual labour is work that is physical, including, but not limited to; construction, installation, assembly and building work. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery).

Insurance Provider states "We will provide cover for manual labour that is voluntary, for a charity registered under the Charity Commission in England and Wales, the Scottish Charity regulator or the Department for Social Development in Northern Ireland and where you will not earn any money. In these situations, you will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery. You will not be covered when you are working more than three meters above the ground, and cover for personal accident and personal liability is not included. If you injure yourself during voluntary work, the policy excess under section B Medical and other expenses will be £100 and an excess waiver will not delete this increased excess.

In the event of an injury occurring as a result of voluntary labour, the Policy Excess under the section Medical Emergency & Repatriation will be increased to £250 and application of Excess Waiver will not delete this increased excess. Cover excludes interaction with wild animals of any kind."

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

Possessions, Proof of Ownership?

Insurance Provider does not state that receipts are essential, however any claim for an item without a receipt may result in an additional 10% deduction on payments.

Therefore, we strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. 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.

Cyber Attack, Terrorism

No section of this policy (apart from section B ? Medical and other expenses) shall apply in respect of any claim arising directly or indirectly from a natural disaster or civil unrest unless you chose and have paid the appropriate extra premium for the Travel disruption option which provides cover in this respect for Delayed departure or abandoning your trip, Missed departure and Accommodation cover.

Natural Disaster/Catastrophe

Not covered under this policy, aside from as mentioned above.

Residency/Doctor/NI?

This policy is only available to permanent UK Residents.

How to Buy Travel Insurance from Virgin Money Travel Insurance

Click Here to get an online quotation from Virgin Money Travel Insurance

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