Voyager Travel Insurance Review

Voyager Travel Insurance Review

Voyager Travel Insurance Review

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I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Voyagertravelinsurance.co.uk plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Voyager and who underwrites their policies?

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Voyager Insurance Services was founded in 1996 with the express aim of arranging wholesale travel insurance. Now Voyager is looking to offer the same ethos of great value insurance products to the general public. Voyager also own Able2Travel.

There are a number of optional extras that can be added to the basic policy, Enhanced Travel Disruption, Gadget Insurance, Cruise Plus Insurance, Business Plus Insurance, Sports Equipment and Cycle Insurance, Golf Insurance, Wedding Insurance and Holiday From Hell Insurance which covers travel disputes and gives £25,000 worth of cover for professional fees.

Annual Travel Cover includes 21 days winter sports as standard, an unlimited number of trips per year and each trip up to 45 days. Cover for consumers up to the age of 74 and cover starts from as little as £60. Voyager aims to provide high levels of cover at competitive prices.  Single Trip Insurance policies are great value too, with 2 weeks in Europe costing as little as £24.50. Children go free, meaning even better value for families. There is no age limit for short stay policies of up to 62 days (31 if you are aged 75+).

We have awarded both policies with a highly recommended four star rating.

For more information on Voyager Policies click here.

Voyager Travel Insurance Policies are Underwritten By Sirius International

How Voyager Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Voyagertravelinsurance.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Voyager Travel Insurance, they are Standard, we have rated these as follows:-

Rating for Single Trip Standard:

Single Trip Travel Insurance Guide here
Voyager Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Voyager Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from Voyager Travel Insurance, they are Voyager Plus, we have rated these as follows:-

Rating for Annual Voyager Plus:

Annual Travel Insurance Guide here
Voyager Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Voyager Travel 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

16 Key Points you need to know about Voyagertravelinsurance.co.uk's travel policy wording

1

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

Children are classed as persons aged 17 and under (or aged 20 and under if in full time education).

2

What are the policy age limits?

Maximum age for Annual Multi Trip is 74 years

Maximum age for Single Trip - no age limit

Maximum age for Longstay Insurance is 59 years

Maximum age to add Wintersports is 74 years.

3

What are the policy Trip Duration limits?

Annual Multi Trip, Trip Durationis 45 days for persons under 70 years and 31 days for persons aged between 70 and 74 years. 

Sinlge Trip, Trip Duration is a maximum of 62 days if aged 74 years or under. This reduces to 31 days if aged betreen 75 to 84 (areas 3 and 4 only) and 85 and over (all areas).

Longstay, Trip Duration, minimum duration is 2 months and 18 months maximum.

4

What does the policy offer for Winter Sports cover?

Wintersports can be added to your policy for up to 21 days on your Annual Multi Trip Policy.  It can be added to your Single Trip or Longstay policy for up to 31 days.

The wintersports policy covers you for:

  • Equipment Overall Cover £800
  • £500 (per item, pair or set owned or borrowed)
  • £300 (per item, pair or set hired)
  • £150 (£60) Necessary ski equipment hire (per day)

Ski Pack

  •        £400

Piste Closure (not applicable on longstay policies)

  •       £200 (£20 per day)

The policy includes cover for Bigfoot Skiing, cross country skiing, Glacier walking (under 2000metres), Mono Skiing, Off-piste skiing (providing local safety guidelines and warnings are observed), On piste skiing and snowboarding, sledging, snowmobiling and tobogganing.

5

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

Family means two adults (or 1 adult for a single parent family) and all of their children (including foster children) aged 17 and under (20 and under if in full time education). All persons must live at the same address. On annual multi-trip policies all insured persons are entitled to travel separately providing all travellers are named on the certificate of insurance.

There is no limit on the maximum number of persons that can be quoted for on a policy. There are premium discounts for 5 - 10, 11 - 24 and 25+ individuals insuring under the same policy.

6

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

If you are travelling within the EU you are strongly advised to obtain a European Health Insurance Card  (EHIC), though this is not mandatory.  Additionally, if you are travelling to Australia you should enrol in medicare if you require treatment.

7

What is covered under Sports and Activities on the policy?

Sports and Activities are split into three sections on the policy, Leisure, Action and Action Plus.  There are 90 Activities covered as standard and 10 marked W/S (Wintersports) which are covered if you have paid the appropriate Winter Sports Premium.

The Action section has an additional 14 activities including 1 W/S (Wintersports), activities in this section carries a 50% Premium Load/increase.  The Action Plus section has an additional 22 activities including 3 W/S (Wintersports), activities in this section carries a 100% Premium Load/increase.

Special Conditions and Exclusions are applicable to Action and Action Plus activites, this excludes cover under Personal Accident and Persnal Liability, Medical Expenses excess increases to £200 per person. You must also ensure to follow compliance with local laws in place for activities and must use equipment such as helmets, harness, knee or elbow pads.

8

What are the policy Alcohol Exclusion terms?

The policy states you are not covered for "your excessive consumption of alcohol or use of
drugs. Your alcohol intake whilst taking any combination of medication or drugs known (or would reasonably be suspected) to cause drowsiness, impaired vision or judgment when combined with alcohol whether such drugs are prescribed or not.  Any claim which is as a result of you having been diagnosed as suffering from acute alcohol intoxication, alcohol dependency or alcohol withdrawal. 

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Financial Failure cover is provided under Section 13 on the policy.  It is listed as Holiday Financial Protection and covers you for up to £3000.   This cover provides for financial failure of Scheduled Airlines, Rail Operators including Eurostar, Eurotunnel, Ferry and Cruise Operators, Coach Operators, Transfer Companies, Car Hire Companies, Hotels and Apartments, Villas abroad and cottages in the UK, Caravan sites, Campsites, Mobile Homes, Camper Van Rentals, Destination Management Companies, Safaris, Excursions, Theme Parks such as Disneyland
Paris, Tour Operators, Travel and Booking Agents and Consolidators.

10

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

Medical Conditions can be quoted for online, you are required to go through Voyagers online Medical Screening Process.

It's important that you declare all medical conditions and ensure that these are approved in writing by your Insurance Provider.  Read our recent article on taking medicines abroad.

 

11

What are the policy rules on travelling when pregnant?

You are not covered for normal pregnancy, without any accompanying bodily injury, illness or complication. You will be covered under emergency medical expenses for unforeseen events, accidents and illnesses.  To clarify 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 the policy,

The exclusion of manual work does not apply to work that is:
i. purely managerial /supervisory, sales or administrative capacity;
ii. bar, restaurant and catering trade staff, musicians and singer;
iii. fruit pickers (who do not use heavy machinery), casual light work, light agricultural work; supervised conservation work, voluntary charity work labour where there is no financial gain; in such circumstances there will be no cover for hands-on involvement with the installation, assembly, maintenance, repair or use of electrical, mechanical or hydraulic plant, heavy power tools and industrial machinery, or work above two storeys or 3 metres above ground level (whichever is the lower). iv. supervised animal sanctuary work but no cover can be provided in relation to any interaction with dangerous wild animals such as lions, tigers or big cats of any kind.


In relation to iii. and iv. above personal accident and personal liability cover due to your participation in the work activity is excluded and in the event of an injury the excess under section 2 - emergency medical expenses will be increased to £/€200 and an excess waiver will not delete this increased excess.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

Receipts are required in the event of a claim, you should ensure that if you don't have receipts that you have proof of purchase e.g. credit card/bank statements. 

If you have purchased any goods specifically for your holiday, please keep those receipts safe and take a photo of the contents of your suitcase.  If you have valuables, please get an up to date valuation for them.

14

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

Policy states you are not covered for "Terrorism means an act, including but not limited to the
use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear."

You are covered under section 6, missed departure and journey disruption for "  civil unrest, rebellion or war directly affecting the area where you are."

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

You are covered under section 6, missed departure and journey disruption if "you are forced to move from pre-booked accommodation to continue your trip or, if the trip cannot be continued, to return home as a result of;

a.  fire, lightning or explosion rendering the pre-booked accommodation uninhabitable,

b.  local medical epidemic or directive from a qualified national or local authority directly affecting the area where the pre-booked accommodation is,

c.  hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that the pre-booked accommodation is rendered uninhabitable,

d.  civil unrest, rebellion or war directly affecting the area where you are."

16

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

You are required to be a UK Resident to be applicable for this policy.

Voyager's 'User Friendly' Rating

That's Insurance have reviewed Voyager's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Voyager rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Voyager Travel Policies

We've highlighted Pro's anc Cons for Voyager, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Voyagertravelinsurance.co.uk.

  • No age limit on single trip policies
  • Financial Failure as standard
  • Online medical screening of pre existing medical conditions available
  • Premium discounts for groups of more than 5 individuals insuring under the same policy.

No Con's

What Cover do Voyager policies offer.

We've listed below cover levels for policies offered by offered by Voyagertravelinsurance.co.uk 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

    Voyager Plus

    Annual

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    30,000

    30,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    20,000

    20,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    3,000

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    500

    500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

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

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

Sample Quotes from Voyagertravelinsurance.co.uk.

Listed below are some Sample Quotes offered by Voyagertravelinsurance.co.uk (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 50 - 59

Trip Days: 21

Voyager Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Single Trip

Worldwide

Individual

Age: 71 - 75

Trip Days: 14

Voyager Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Single Trip

Worldwide

Couple

Age: 40 - 49

Trip Days: 14

Voyager Travel Insurance Review
That's Insurance Rating

Customer Rating

Standard

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

Voyager Travel Insurance Review
That's Insurance Rating

Customer Rating

Voyager Plus

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide

Couple

Age: 65 - 70

Trip Days: 365

Voyager Travel Insurance Review
That's Insurance Rating

Customer Rating

Voyager Plus

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 60 - 64

Trip Days: 365

Voyager Travel Insurance Review
That's Insurance Rating

Customer Rating

Voyager Plus

50

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 2,000

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 20,000

How to Buy Travel Insurance from Voyagertravelinsurance.co.uk

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Voyager - No Current Discount Codes

Visit Voyagertravelinsurance.co.uk's Website and Get a Quotation direct

Customer Reviews of Voyagertravelinsurance.co.uk

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We hope that you have found this Voyager Travel Insurance Review helpful. If you have experience of Voyagertravelinsurance.co.uk, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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