Your Travel Cover Travel Insurance Review

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

Who are Your Travel Cover Travel Insurance

Yourtravelcover.com offer policies for Single Trip and Annual Trip under their own brand "Your Travel Cover" and additionally for Backpacker and Ski under their sister company Insurewithease.com   They also offer cover for Pre-Existing Medical Conditions, we carried out a sample quote for 14 days to Europe for a 37 year old with Type 2 Diabetes, no unplanned hospital admissions and no special medications (heart/cholestrol/Insulin). Quotes came out ranging from £8.48 for their silver policy, £16.06 for gold and £16.80 for Platinum.   Medical Expenses on all of these policies was £10 million and medical excesses range from £250 to £85.

YourTravelCover.com is a trading name of Your Cover Ltd which is an Appointed Representative of Ancile Insurance Group Ltd. Ancile Insurance Group Ltd, Registered Office: East Wing, Goffs Oak House, Goffs Lane, Goffs Oak, Herts, EN7 5BW, is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 471641.

How to Buy Travel Insurance from Your Travel Cover

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

How Your Travel Cover 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 Your Travel Cover.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Your Travel Cover 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:

Your Travel Cover Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Your Travel Cover Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Your Travel Cover 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:

Your Travel Cover Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Your Travel Cover 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 Your Travel Cover's policy wording

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

Children are classed as aged under 18 years, in full time education and living at home.

2. What are the policy age limits?

At time of purchase:-

54 or under for Single Trip (at the date of purchase of the insurance).

54 or under for Annual 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 31 days. 

Annual Multi Trip, Trip Duration is up to 31 days per trip.

4. What are the options for Winter Sports cover?

Winter Sports is not available on these policies however, you get get a quote to include winter sports through Insurewithease.com their sister company.

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

Group  up to 10.

Family means two adults and 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 Mandatory if traveling to the EU.  If travelling to Australia you must enrol with Medicare on arrival.

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

There are over 20 activities covered as standard on this policy, with additional activities in Activity Pack 2 which are covered with the payment on an additional premium.  Some activities are * starred to exclude personal liability.

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?

Not Covered under this policy.

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

Cover can be considered for Pre-Existing Medical Conditions, you have to complete their online screening process, it takes about a minute and you will be asked questions pertaining to your condition.  You must ensure that all pre-existing conditions are fully declared.

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: "Pregnancy is not a medical condition so you are able to travel until you are quite late into your pregnancy. Our 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 for a single pregnancy, or 25 - 40 for a multiple 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.  However, Manual Work (ground level only, no machinery) is included in Activity Pack 2 which is covered with the payment of an additional premium. Manual Labour 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?

The Insured Person shall produce an original receipt, valuation report or other satisfactory proof of ownership (for example, a photograph of You wearing the article) and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £50 and up to a maximum of £150 for all unreceipted items with an individual value of £50 or more. Evidence of replacement value is not sufficient.

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?

Not covered as standard, however you can add this with the payment of an additional premium.

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

Your principal place of residence must be in the UK Area, used for domestic purposes.

Your Travel Cover's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on your-travel-cover-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 Your Travel Cover 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 Your Travel Cover Policies

We've highlighted Pro's and Cons for Your Travel Cover, 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 Your Travel Cover.

  • Pre existing medical conditions can be underwritten online at the point of sale
  • Option to include Terrorism Cover Extension
  • Option to include virtual UK Doctor Access
  • No cover for end supplier or scheduled airline failure

What Cover do Your Travel Cover 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

    100

    75

    85

    85

    75

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,300

    3,000

    3,500

    3,500

    3,000

    1,300

  • 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

    1,000

    1,500

    2,000

    2,000

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    250

    250

    250

    250

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    150

    500

    500

    500

    500

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    150

    300

    350

    350

    300

    150

  • 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

    10,000

    15,000

    25,000

    25,000

    15,000

    10,000

  • 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

    1,500

    1,500

    1,500

    1,500

    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

    5,000

    15,000

    25,000

    25,000

    15,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    150

    300

    350

    350

    300

    150

  • 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

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    250

    250

    100

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    200

    1,000

    1,000

    200

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    500

    500

    500

    500

    250

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    200

    200

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    500

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    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

    1,500

    1,500

    1,500

    1,500

    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

    Y

    Y

    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

    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

    N

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    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

Your Travel Cover

Sample Quotes from Your Travel Cover.

Listed below are some Sample Quotes offered by Your Travel Cover

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 40 - 49

Trip Days: 7

Your Travel Cover Travel Insurance Review
Product Rating

Experience Rating

Platinum

85

Medical Expenses 10,000,000

Cancellation 3,500

Missed Departure 500

Delayed Departure 1,000

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 21

Your Travel Cover Travel Insurance Review
Product Rating

Experience Rating

Platinum

85

Medical Expenses 10,000,000

Cancellation 3,500

Missed Departure 500

Delayed Departure 1,000

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 30 - 39

Trip Days: 365

Your Travel Cover Travel Insurance Review
Product Rating

Experience Rating

Gold

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 200

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Europe

Couple

Age: 18 - 29

Trip Days: 365

Your Travel Cover Travel Insurance Review
Product Rating

Experience Rating

Silver

100

Medical Expenses 10,000,000

Cancellation 1,300

Missed Departure 250

Delayed Departure 100

Baggage 1,000

Personal Accident 5,000

Personal Liability 2,000,000

Legal Expenses 10,000

Your Travel Cover