Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 16/07/2019

At a glance

  • Moneyfacts has identified the best five-star rated travel insurance providers
  • Five of these providers have also been recognised by Moneyfacts through our awards programme
  • The best travel insurance cover varies depending on your circumstances and destination

 

Who are the best travel insurance providers in 2019?

Travel Insurance RatingMoneyfacts have reviewed travel insurance products in over 80 different fields of data in its Annual Star Ratings to find the best travel insurance providers. This year, 100 providers achieved a five star rating.

 

Provider

Key features

Find out more

Virgin Money


Virgin Money

 Rated five stars.
Star rating

  • Unlimited cover for medical expenses on certain policies
  • UK customer service team and 24/7 emergency support helpline
  • Up to £7,500 cover for cancellation and curtailment
  • Up to £2,500 cover for the loss or theft of your belongings
  • Options for winter sports, cruises, gadgets, travel disruption and more
  • Cover for over 88 sports and activities included for free
  • Scheduled airline failure covers you if your airline goes bust
  • Kids go free on AMT policies – up to three under 18s per paying adult
  • Most of our policies have no upper age limit and cover most medical conditions.
  • Winter sports covered as standard on AMT

 

 

Post Office
Post Office
 Rated five stars.
Star rating

  • Choose a free gift* when you buy it with another selected travel product
    *T&Cs Apply, see website for full details
  • All medical conditions considered
  • Optional cover for Excess Waiver, Winter Sports, Cruise, Gadget, Gold, sports and Activates and Business Insurance are available for an additional premium
  • 24/7 emergency assistance line
  • Choose from Single trip, annul Multi-trip or Backpackers Insurance

 

Leisure Guard Travel

Leisure Guard Travel
Rated five stars.
Star rating

  • Medical Expenses for Medical Emergency & Repatriation (up to £20,000,000)
  • Trip Cancellation, Curtailment & Interruption (up to £10,000)
  • Personal Luggage(up to £3,000)
  • Personal Liability (up to £2,000,000)
  • Leisure Guard travel insurance has a 24hr emergency helpline in place should you need us.
  • Cruise cover is included with all of our policies at no additional cost

 

Admiral Travel Insurance

Admiral logo 
Rated five stars.
Star rating

  • Choose Single trip or Annual Multi Trip cover with varying levels of cover and many sports and leisure activities included as standard. Additional cover available for Winter Sports, Golf, Gadget and Cruise holidays.
  • Moneyfacts exclusive 10% off 
  • We insure a wide range of medical conditions and pay up to £20million in emergency medical expenses.
  • We don't think age should hinder adventure which is why we offer travel insurance to holidaymakers aged 18 to over 65. Children can be added to an adult's policy.
  • If you’re injured or fall ill while on holiday, you can call our 24-hour Emergency Assistance Helpline.

 

World First
World First

Rated five stars.
Star rating

  • Up to £10m cover for medical expenses
  • Medical travel insurance experts since 1973
  • UK customer service team and 24/7 emergency support helpline
  • Up to £10,000 cover for cancellation or curtailment
  • Up to £3,000 for the loss or theft of your belongings
  • Options for winter sports, cruises, gadgets and more
  • Cover for over 75 sports and activities included for free
  • 14 day money back guarantee
  • No credit or debit card fees

 

Coverwise
Coverwise Travel Insurance

Rated five stars:
Star rating

  • Single and annual multi trip policies tailored to travellers needs with wide cover and competitive prices
  • Independent travel for all named policy holders on annual multi trip policies
  • Global 24/7 emergency medical assistance
  • An unlimited number of winter sports trips lasting up to 17 days per trip on all winter sports annual multi trip policies.
  • Cover for over 100 sports and activities provided as standard, to ensure you get the most out of your trip

 

Travel Insurance 4 Medical
Travel Insurance 4 Medical

Rated five stars.
Star rating

  • Up to £10m cover for medical expenses
  • Thousands of medical conditions covered - at a price that’s fair
  • UK customer service and access to 24/7 emergency assistance
  • Up to £5,000 cover for cancellation or curtailment
  • Up to £2,500 for the loss or theft of your belongings
  • Options for winter sports, cruises, gadgets and more
  • Cover for over 75 sports and activities included for free
  • 14 day money back guarantee
  • No credit or debit card fees

 

ASDA Money

Asda Money

Rated five stars.
Star rating

  • Unlimited medical expenses (selected covers only)
  • Free travel insurance for kids. Asda covers up to 3 children for every adult travelling*
  • No upper age limit on single trip policies
  • Choose from 3 different levels of cover, Value, Premium and Superior cover
  • Scheduled airline failure covers you if your airline goes bust (selected covers only)
  • 24 hour emergency English-speaking helpline
  • Get up to £5,000 with our holiday cancellation insurance if your trip is called off
  • Get up to £2,000 if your bags go walkabout
  • Get up to £5,000 if your holiday is cut short
  • Arrange your cover on the go – straight from your smartphone and get your policy details by text - ideal for last minute getaways

 

 Travel Insurance Saver

Travel Insurance Saver

Rated five stars.
Star rating

  • Up to £10m cover for medical expenses
  • Great value travel insurance
  • UK customer service team and 24/7 emergency support helpline
  • Up to £4,000 cover for cancellation or curtailment
  • Up to £3,000 for the loss or theft of your belongings
  • Options for winter sports, cruises, gadgets and more
  • Cover for over 75 sports and activities included for free
  • 14 day money back guarantee
  • No credit or debit card fees

 

 TopDog Insurance 

TopDog Insurance logo

Rated five stars.
Star rating

  • Single trip policies with no upper age limit
  • Annual Multi-trip policies covering trips of 35, 50 or 100 days (subject to age)
  • Gap Year policies up to 18 months
  • Long Stay cover up to 12 months
  • Additional Cover Options : Travel disruption cover, Gadget cover and Cruise Plus
  • Optional cover for over 2,000 pre-existing medical conditions
  • Independent travel for all persons throughout the year
  • Scheduled airline failure cover available
  • FREE cover for over 100 sports and activities

 

Insurefor.com
Insurefor logo

Rated four stars.
4 star rating

  • Flexible cover options to suit your trip
  • Insurance that covers you worldwide
  • Annual and Single Trip policies
  • Cover for pre-existing medical conditions
  • Award winning customer service

 

 

*Offer open to customers who purchase Travel Money or load currency onto a new or existing Travel Money Card in-branch or online (minimum spend applies to online purchases), or use Passport or Digital Passport Check & Send service in-branch, or apply for an International Driving Permit in-branch between 1 June and 29 September 2019, and then go on to buy a new Travel Insurance Policy online, by phone or in-branch, between 1 June and 29 September 2019 or renew a Travel Insurance Policy online, or by phone, between 1 June and 29 September 2019. Customers must use the promotional code provided when buying the Travel Insurance Policy and must have a valid email address. One £10 Amazon.co.uk Gift Cardˡ (ˡRestrictions apply, see www.amazon.co.uk/gc-legal) or Hawaiian Tropic Sun Cream Bundle to the value of £33 per Policy, providing each Policy is purchased at least 30 days apart. Customers have 14 days to claim the gift from receipt of email on how to redeem. Gifts will be sent within 7 days of being claimed. Each Gift is subject to its own t&cs. Cannot be used in conjunction with other offers. For full T&Cs visit postoffice.co.uk/traveloffer19. 

What is travel insurance?

Travel insurance gives you protection against specific financial losses, health risks or incidents when travelling abroad. Travel insurance cover can be for a single trip, annual multi-trip covering multiple holidays and destinations as long as you check these countries are covered before you travel, and backpacking cover for extended trips to multiple destinations.

What does travel insurance cover include?

  • Lost or stolen possessions – items such as your luggage, cash to a certain limit and important documents. Specific items, such as musical instruments, sports equipment, jewellery and other expensive items, may require separate cover. If it’s valuable to you then check with your insurer that it is covered.
  • Disruptions and cancellations – if your trip is cut short by an unexpected event, a flight is delayed, or a trip cancelled then you should be able to claim for the costs of these disruptions through your insurance.
  • Medical expenses – it’s important to declare any pre-existing medical conditions before you buy your travel insurance. Some insurers will not cover certain medical conditions, others will, but only if they are notified as part of buying the policy. Also, declare any adventurous sports or high-risk activities as again your insurer may exclude incidents that result from these from your cover.
  • Legal fees – your insurer may cover the cost of any legal fees incurred when you are involved in an incident that isn’t your fault.

How does travel insurance work?

Travel insurance will cover the cost of any losses or costs you have incurred as a result of an accident, cancellation or delay. If you are unfortunate enough to have had a problem while on holiday, you can then file a claim to cover the costs or losses from this with your travel insurance provider. When you file a claim, you are submitting evidence to your insurer about what happened and the losses you incurred as a result. The insurer will then review your claim to check its validity and to check it meets the policy’s terms and conditions. They will then make a decision about how much to reimburse you for.

How to buy the right travel insurance

Six ways to get the right travel insurance for you:

  1. Finalise the countries you are visiting so you know which geographical regions you need cover for.
  2. Check that the activities you want to do are covered and to the level you need.
  3. Consider group insurance if you are travelling as a family.
  4. If you are travelling multiple times throughout the year, a 12-month policy could save you money.
  5. Make sure you are happy with the excess and levels of cover.
  6. Compare prices to get the best value for the cover you need.

Can I get travel insurance for free?

Travel insurance is offered as part of a current account by several different financial providers. For example, at the moment there are 42 accounts available that come with Worldwide or European travel insurance cover. However, some of these accounts will charge a fee. In addition, you will also need to check that the insurance offered meets your needs or the potential risks of the country you are travelling to. For example, some insurers may not insure older people or those with pre-existing medical conditions. It is also less likely that bank account insurance offerings will cover losses as a result of cancellation or delay due to weather conditions.

Visit our charts to compare bank accounts with travel insurance.

Travel insurance for over-70s and 80s?

Some travel insurers set a maximum age of 65 for their policies, so travellers near or over this age will need to check their policy adequately covers them. By taking a policy specifically for those over 70, you won’t have this worry and you could benefit from additional cover such as:

  • Pre-existing medical conditions
  • Special medical equipment needed for and during travelling
  • Holiday cancellation due to ill-health
  • Lost medication
  • Cover for your carer or travel companion

Will I need travel insurance for Europe after Brexit?

Having travel insurance in place is important no matter what the result of Brexit is. What is less clear is if cancellations or delays as a specific result of Brexit will be covered. You should check with your travel insurance provider on the status of your cover.

Why buy travel insurance?

Planning a holiday is an exciting time and finding a good travel insurance policy is essential to making sure your holiday goes as smoothly as possible. Unexpected events, such as bad weather disrupting your flight or even cancelling it, losing your luggage or theft of your property, could all devastate your trip away.

Should I buy family travel insurance?

Buying travel insurance is essential to protect your holiday and, if you are travelling as a family, it can be expensive to buy multiple individual policies. Family travel insurance can cover your whole family with only one policy and one cost.

It usually covers families who reside at the same address, including two adults and up to five children (aged up to 18).

As with any travel insurance policy, you should check the cover that it comes with to make sure it meets your needs.

What travel insurance do I need for a cruise?

If you are planning a cruise for your next holiday, then specific cruise insurance is worth considering. Unlike standard travel insurance, this covers the specific activities and risks that come with a cruise. For example, travelling to multiple countries is automatically covered, but you must check your destinations are not excluded by your insurer. The length of your cruise may also exceed the maximum number of days allowed by most travel insurers.

Travel insurance for golf clubs

Golfing equipment is generally as heavy as it is expensive, so making sure you are covered for this when going on a golfing holiday is important. You can either check if your standard travel insurance policy will cover your golfing equipment or buy special golfing insurance. This specific type of insurance will cover you for the loss, theft or damage to your golf clubs and associated equipment. It can also cover green fees if you need to cancel your trip.

Travel insurance and dementia

It’s important you let your existing travel insurer know about your dementia diagnoses. Having dementia should not prevent you from getting insurance but you may find that you have to look at more products to find one that will cover you. Some insurers may either choose not to cover you at all, some may charge you more money, whereas others may exclude costs arising from your condition from your policy.

If your insurer is open to covering you, it is likely that you will be asked a series of medical questions. This will help the insurer decide on whether they can provide you with cover, which situations they can cover you for and the cost of this cover.

 

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

man carrying a suitcase at an airport

At a glance

  • Moneyfacts has identified the best five-star rated travel insurance providers
  • Five of these providers have also been recognised by Moneyfacts through our awards programme
  • The best travel insurance cover varies depending on your circumstances and destination

 

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