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Published: 22/03/2022

Post Office comfortably takes a place among the best travel insurance providers, with its Premier policy being awarded a five-star rating, but what kind of cover can you expect? Here’s everything you need to know about Post Office travel insurance.

What policies are available?

You can choose from three core policies: Single Trip, Annual Multi-Trip and Backpacker Cover. Single Trip policies will cover you for a one-off trip of up to 365 days depending on your age, either in the UK or abroad, while Annual Multi-Trip policies will cover multiple trips in a 12-month period. Backpacker Cover, meanwhile, covers you for one trip of up to 18 months, including the option of returning home for up to seven days on three occasions. 

You can also find family travel insurance policies, worldwide travel insurance, insurance for the over-65s and another policy for the over-18s, allowing you to find the ideal policy for your needs.

What’s included in Post Office travel insurance?

This depends on the policy you choose and the level of cover you opt for. There are three standard levels to choose from:

  • Economy cover includes up to £1,000 cancellation or curtailment cover, up to £1,000 in baggage claim cover and up to £2 million in medical expenses.
  • Standard cover offers enhanced limits, with up to £3,000 cancellation or curtailment cover, £1,500 baggage claim cover and up to £5 million in medical expenses.
  • Premier cover is enhanced again, with cancellation or curtailment cover rising to £5,000, baggage claims to £2,000 and medical expenses to £10 million.

You can also be covered against delayed or missed departures – including cover for additional travel and accommodation costs if you miss your departure due to coverable events – as well as personal accident cover.

You’ll be able to include additional cover options as well, such as cruise cover, gadget cover, winter sports cover and golf cover, as well as cover against trip disruption, terrorism and natural catastrophes, offering a highly flexible, bespoke package.

All medical conditions are considered as well, and in some cases alternative cover options may be offered to accommodate: Lite, Prime and Elite. Contact the Post Office to find out more.

Does Post Office travel insurance include coronavirus cover?

Yes. This includes cancellation cover within 14 days of your pre-booked trip should you test positive, if a close relative passes away as a result of the disease, curtailment cover if you test positive at your departure point and cannot fly and missed departure while waiting for test results. You’ll also be covered should you test positive upon arrival or during your trip, should a close family member pass away back home, and should you accrue any emergency medical or additional expenses.

Bear in mind though that this cover won’t apply should you travel against FCDO, medical or Government advice, if you buy a policy after testing positive and your trip starts within 14 days, or if you’re choosing not to travel due to fears of contracting the virus. Not all features are available at all cover levels; speak to the Post Office or read your policy wording for details.

What’s excluded from policies?

There are various situations in which you won’t be covered, such as if you travel against medical advice, if you engage in sporting activities without taking out appropriate cover, any wilful self-exposure to peril, and any losses not directly relating to the terms and conditions of the policy. Make sure to read the policy documents carefully so you know exactly what you’re covered for, and what’s excluded. 

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.

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