Best Travel Insurance 2020 | moneyfacts.co.uk

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 2020?

Moneyfacts 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, 90 providers achieved a five star rating in either the annual or single trip categories. The chart below shows a selection of those awarded four and five stars  The full list of four and five star winners is at the end of this article.

 

Featured provider

Key features

Find out more

Post Office® Travel Insurance – With Coronavirus Cover
 

 

 

 

 

 

 

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • Whether you are looking to travel within the UK or abroad make sure that you protect your upcoming travel plans with Post Office Travel Insurance.
  • With our insurance you will be covered for coronavirus related disruptions including trip cancellation & curtailment and overseas medical & repatriation costs. Our insurance also covers other medical expenses whilst you are overseas with up to £10 million worth of cover per person.
  • On top of that you will be covered for loss of luggage, delayed or missed departure and cancellation. There is no upper age limit and all medical conditions are considered.
  • Post Office has won Bronze in the ‘Best Travel Insurance Provider’ category at the British Travel Awards 2019.
  • With our travel insurance you will have peace of mind knowing you and your holiday are protected.

 

Leisure Guard Travel Insurance
 

Moneyfacts Star Rating: 5 Stars

  • 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

 

World First Travel Insurnace


 

 

 

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • 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 Travel Insurance


 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • 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 Medical

 

 

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • 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 Travel Insurance

 

  • Emergency Medical and Cancellation Cover for Coronavirus (COVID-19)*
  • Up to 3 kids go FREE with every adult when you buy direct with us^
  • All pre-existing medical conditions considered
  • Winter sports cover FREE included in annual policies
  • Choose from 3 different levels of cover, Value, Premium and Superior cover
  • Unlimited cover for medical expenses with Superior cover, up to £25m with Premium and up to £20m with Value
  • Up to £5,000 cover per person for cancellation or if your trip is cut short with Superior policy, £2,000 with Premium and £1,000 with Value.
  • 24/7 Emergency Assistance helpline
  • Cover for missing bags and cash
  • Arrange your cover on the go – straight from your phone and get your policy details by text - ideal for last minute getaways!

*Our Travel Insurance policy now covers for Medical costs and Cancellation claims on policies where customers or a member of their family / travelling party are diagnosed with Coronavirus, or are personally instructed to quarantine because of Coronavirus by an NHS service or healthcare professional. All other claims relating to COVID-19 or Government restrictions on travel are excluded. If you choose to travel against the FCO’s advice, you will not be covered for any subsequent claim. For more details on this, please see our FAQs.

 

 Travel Insurance Saver

 

Moneyfacts Star Rating: 5 Stars

  • 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 Travel Insurance 

 

TopDog Insurance logo

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • 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 Travel Insurance

 

Moneyfacts Star Rating: 5 Stars

  • 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

 

 

Flexicover Travel Insurance

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • Over 30 years' experience selling travel insurance
  • Single Trip cover with no upper age limit & Annual Multi-trip policies up to age 85
  • Long Stay cover up to 12 months (max age 75)Gap Year policies up to 18 months (age 16-45)
  • Scheduled airline failure cover (Platinum, Gold and Silver cover)
  • Additional Cover Options : Travel disruption cover, Gadget cover and Cruise Plus.
  • Optional cover for over 2,000 medical conditions
  • Independent travel on annual policies
  • FREE cover for over 100 sporting activities
  • We do not store card details.

Find out more

Columbus Direct Travel Insurance

 

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • FREE airport lounge access if your flight is delayed for more than 1 hour.
  • FREE 5 days unlimited global Wi-Fi access. Including access to global SOS travel alerts.
  • FREE health information and GP access 24/7 with Babylon.
  • Over 150 sports and customers since 1988.
Find out more

Get Going Travel Insurance

 

 

 

 

 

 

Moneyfacts Star Rating: 5 Stars

  • Specialist Travel Insurance.
  • 24/7 access to UK based GP.
  • Cover for 1000's of medical conditions.
  • £10m medical cover.
  • 14 day cooling off period.
Find out more

Direct Travel Insurance


Moneyfacts Star Rating: 5 Stars

  • Policies for your needs.
  • Medical cover.
  • Always here to help.
  • Easy claims process.
  • Single Trip & Manual Multi-Trip Cover options.
Find out more

Alpha Travel Insurance

 



  • Single Trip, Multi-trip, Long Stay and Winter cover.
  • 24/7 Emergency Assistance
  • 14 Day Cooling off Period
  • Policies from just 30p a Day
  • £10million Medical Cover
Find out more

 

Disclaimer

The list of travel insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. Moneyfacts.co.uk will receive a small payment if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

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, including Coronavirus, 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 20 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

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. You should buy travel insurance as soon as you have booked your holiday to make sure you get the benefit if you need to cancel unexpectedly.

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 diagnosis. 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.

 

Hire car insurance

If you want to see more of your holiday destination than just the airport and the resort then hiring a car is a great idea. However, hire cars can often cost you more than just the headline rate that you book them at - even if you manage to get a great deal through one of the many hire car comparison sites out there.

A major example of one of these ‘stealth’ expenses tends to be insurance, so we’ve put together our top three useful insurance tips that can save you time, money and frustration at the hire car rental desk:

1. The real cost of basic cover

A basic level of insurance is often included in the hire car rental costs. However, this won’t stop the hire car company trying to sell you a whole heap of additional protections on top of this. This basic level of insurance cover will provide you with the minimum level of insurance protection for the country you are planning to travel in – however, remember that this may be just indemnity against third parties should you have an accident or injure someone. Any cover for damage to the hire car itself will be subject to an excess and often the standard level of insurance does not include the cost of repairs to things such as tyres, wheels, glass or wing mirrors. That’s why it’s a good idea to carefully check what you are covered for.

Tip: Always take some time to make sure you understand the level of insurance you have with the basic hire. Even if the insurance with the hire car covers you for damage to the vehicle it is often the case that it carries a hefty excess. An excess means that you will be responsible for the cost of repairs up to a certain level.

For example, let’s say your car hire includes cover for damage to the vehicle (often called Collision Damage Waiver or CDW) with an excess of £1,000.

So you have a collision with another car where the total repair bill for the hire car comes to £2,500. You must pay the first £1,000 of this bill with the remaining £1,500 paid by the hire car insurance. Just as with comprehensive cover here in the UK this excess must be paid by you regardless of whether the accident was your fault or not.

2. Excess waiver insurance

Hire car companies will often attempt to sell you Excess Waiver Insurance (EXI) as a way of avoiding the basic CDW excess. This is - if you like - insurance for your insurance!

At about £25 per day, the cost of buying this at the rental desk can be far more expensive than arranging your own cover beforehand. Some providers will not mention you taking out this cover until you arrive to pick up your hire car, often catching people off guard and flustered.

Tip: Insurance excess waivers are not compulsory. However, if you decide to opt out of this additional insurance then don’t be surprised if the hire car company insists on you leaving a substantial deposit – usually taken from your credit card and held onto by the rental firm until you return the car in an undamaged state.

Instead of paying hefty additional fees when you pick up the hire car take out EWI before you travel. This is available from an array of UK providers and will cover you for the excess for a fraction of the cost of cover from the rental firm. However, even with EWI, if you have an accident, you will still have to pay the excess and then claim this back from your insurer. In addition, if you opt for this ‘standalone’ excess waiver insurance then don’t be surprised if the hire car firm still insists on taking a hefty deposit’ as well. If you use hire cars frequently then you can buy policies that will cover you for rental car excess fees for a whole year.

Compare car hire excess insurance

Purchasing your car hire excess insurance in advance can save you up to 65%. Compare car hire excess insurance with the help of Excessbuddy.com.

3. More cover than you need

One of the many extra insurances that you’ll be offered at the rental desk is personal injury cover. As the name suggests this covers the driver and any passengers in the vehicle for personal injuries if you are involved in an accident.

People can worry about medical costs when travelling outside the UK – hence for many this can seem like a good idea – and it is…except that if you’ve taken out travel insurance for your holiday or trip abroad then personal injury is often already covered.

Tip: Check if your travel insurance policy covers you and your family for personal injury and medical costs while abroad. If it does – and most good travel insurance policies will – then save your money and decline this extra insurance.

What elements of the travel insurance policy do we look at?

The Moneyfacts Star Ratings for Travel Insurance are based on the weighting of specific product features, outside of premiums, that are likely to be the most relevant to those looking to take out a policy.

A considerable number of features will add to the final score, and some of this information includes:

  • Age limits
  • Trip length
  • Medical cover
  • Cancellation/curtailment cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Travel delay claim time
  • Missed departure cover
  • Missed connection cover
  • Ski equipment cover
  • Wedding cover
  • Personal liability cover
  • Personal accident cover
  • End supplier failure
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover

Travel Insurance - Five Star

Able2Travel - Gold
Able2Travel - Platinum
AllSAFE (Brokersure) - Premier Plus
Annualtravelinsurance.com - Super Plus
Avanti Travel Insurance - Classic
Avanti Travel Insurance - Deluxe
AXA Direct - Gold
Bank of Scotland - Platinum Account Travel Insurance
Blue Insurance - Premier Plus
Boots - Gold
Boots - Platinum
Cedar Tree Travel Insurance - Gold
Cedar Tree Travel Insurance - Platinum
Citybond Suretravel - Supreme
Columbus Direct - Gold
Coutts & Co. - Coutts Travel Protection
Covered2go Travel Insurance - Platinum
CoverForYou - Platinum
Coverwise - Platinum
Coverwise - Platinum Select
Debenhams - Luxury
Direct Travel Insurance (Brokersure) - Premier Plus
Economycover.com - Premier
Economycover.com - Premier Plus
Fit2Travel (Brokersure) - Platinum
Flexicover (Citybond Holdings) - Gold
Flexicover (Citybond Holdings) - Platinum
Free Spirit - Super Duper
Get Going Travel Insurance - Premier
Globelink International - Annual Multi-Trip
Go2 Travel Insurance - Gold
Goodtogoinsurance.com (Ancile Insurance) - Platinum
Greatcover.com - Super Plus
Halifax - Ultimate Reward Current Account
Holidaysafe - Premier Platinum
Holidaysafe - Premier Plus
Insurancewith - Platinum
InsuraTrip.com - Premier
Insure & Escape - First
InsureandGo - Black
InsureandGo - Gold
Insurewithease.com (Ancile Insurance) - Platinum
JS Travel Insurance - Platinum
Leisure Guard - Premier
Leisure Guard - Premier Plus
Leisurecare - Annual Multi Trip
Leisurecare - Traveller's Choice Affinity
Let's Go Insure - Traveller's Choice Affinity
Lloyds Bank - Club Lloyds Platinum Account
Lloyds Bank - Platinum Account
Multitrip.com - Premier Plus
Navigator - Diamond
Navigator - Gold
OK To Travel - Premier Plus
Penguin Insurance - Premier
Penguin Insurance - Premier Plus
Postcard Travel Insurance - Classic
Postcard Travel Insurance - Premier
Premier Cover (Citybond Holdings) - Deluxe
RAC - Black Cover
RAC - Silver Cover
RIAS - Annual
Saga - Travel Insurance
Sainsbury's Bank - Gold
Sainsbury's Bank - Platinum
SkiCover.com - Voyager Plus Black Ski
SkiCover.com - Voyager Plus Prime Ski
Southdowns Insurance Services Limited - Platinum
Southdowns Insurance Services Limited - Platinum Select
Spectrum (Citybond Holdings) - Gold
Spectrum (Citybond Holdings) - Platinum
STA Travel - Blue Premier Plus
STA Travel - Gold Premier Plus
Staysure - Comprehensive
Sun Selection - Platinum
Switched On Insurance - Premium
Switched On Insurance - Ultimate
The True Traveller - Traveller Plus
TopDog Insurance (Citybond Holdings) - Gold
TopDog Insurance (Citybond Holdings) - Platinum
Voyager Insurance Services - Black
Voyager Insurance Services - Prime
Wesleyan - Annual
Worldwide Travel Insurance Services - Elite

Travel Insurance - Four star

AllClear - Gold Plus
Allianz Global Assistance - Gold
AllSAFE (Brokersure) - Premier
Annualtravelinsurance.com - Super
Barrhead Travel Services - Premier Plus
BHSF - Annual Trip
Big Cat Travel Insurance - Premier
Boots - Silver
British Airways - Deluxe
Cedar Tree Travel Insurance - Silver
Citybond Suretravel - Premier
Columbus Direct - Silver
Co-operative Travel Insurance - Super
Cover4Travel - Premier
Cover4Travel - Premier-Plus
Cover4Travel.com - Platinum
Covered2go Travel Insurance - Gold
CoverForYou - Gold
Coverontrip - First Class
Coverontrip - Premium
Coverwise - Gold
Coverwise - Gold Select
Direct Travel Insurance (Brokersure) - Premier
Dogtag Limited - Max
Emerald Life - Premier
Endsleigh Insurance Services Limited - Comprehensive
ERGO Travel Insurance - Optimum
ERGO Travel Insurance - Protect
Explorer Travel Insurance - Platinum
Fit2Travel (Brokersure) - Gold
Fit4Travel - Platinum
Go2 Travel Insurance - Silver
Golfguard - Premier Cover
Golfguard - Standard Cover
Goodtogoinsurance.com (Ancile Insurance) - Gold
Holidaysafe - Premier
InsuraTrip.com - Super
Insure & Escape - Premium
Insure For Travel - Diamond Plus
InsureandGo - Silver
insurefor.com - Ultimate
InsureMore Travel Insurance - Deluxe
Insurewithease.com (Ancile Insurance) - Gold
Journeyman Services Limited - Annual Multi Trip
JS Travel Insurance - Gold
Makesure Travel Insurance - Annual Multi Trip
Navigator - Navigator Plus
OK To Travel - Premier
OK To Travel - Premier Extra
Online Travel Cover - Gold
Penguin Insurance - Standard
Planet Earth Travel Insurance - Annual Multi Trip
Premier Cover (Citybond Holdings) - Club
SkiCover.com - Gold Ski
Southdowns Insurance Services Limited - Gold
Southdowns Insurance Services Limited - Gold Select
SportsCover Direct - Gold
Sun Selection - Gold
TopNotchCover.com - Gold
TopNotchCover.com - Silver
Travel Insurance 4 Medical - Superior
TravelTime Travel Insurance - PremierPlus
Travsure - Economy
Travsure - Premier
Travsure - Premier Plus
Travsure - Standard
treat-u-fair - Annual Trip
TUI - Annual
World First - Exclusive
World First - Premier
World First - Superior

Single Trip Travel Insurance - Five star

Able2Travel - Gold
Able2Travel - Platinum
AllSAFE (Brokersure) - Premier Plus
Annualtravelinsurance.com - Super Plus
Avanti Travel Insurance - Classic
Avanti Travel Insurance - Deluxe
AXA Direct - Gold
Blue Insurance - Premier Plus
Boots - Gold
Boots - Platinum
Cedar Tree Travel Insurance - Gold
Cedar Tree Travel Insurance - Platinum
Citybond Suretravel - Supreme
Columbus Direct - Gold
Covered2go Travel Insurance - Gold
Covered2go Travel Insurance - Platinum
CoverForYou - Platinum
Coverwise - Gold
Coverwise - Gold Select
Coverwise - Platinum
Coverwise - Platinum Select
Debenhams - Luxury
Direct Travel Insurance (Brokersure) - Premier
Direct Travel Insurance (Brokersure) - Premier Plus
Economycover.com - Premier
Economycover.com - Premier Plus
Endsleigh Insurance Services Limited - Comprehensive
ERGO Travel Insurance - Optimum
Fit2Travel (Brokersure) - Platinum
Flexicover (Citybond Holdings) - Gold
Flexicover (Citybond Holdings) - Platinum
Free Spirit - Super Duper
Get Going Travel Insurance - Premier
Globelink International - Comprehensive
Globelink International - Winter Sports
Go2 Travel Insurance - Gold
Goodtogoinsurance.com (Ancile Insurance) - Platinum
Greatcover.com - Super Plus
Holidaysafe - Platinum
Holidaysafe - Premier
Holidaysafe - Premier Plus
Insurancewith - Platinum
InsuraTrip.com - Premier
Insure & Escape - First
InsureandGo - Black
InsureandGo - Gold
Insurewithease.com (Ancile Insurance) - Gold
Insurewithease.com (Ancile Insurance) - Platinum
JS Travel Insurance - Gold
JS Travel Insurance - Platinum
Leisure Guard - Premier
Leisure Guard - Premier Plus
Leisurecare - Traveller's Choice Affinity
Let's Go Insure - Traveller's Choice Affinity
Multitrip.com - Premier Plus
Navigator - Diamond
Navigator - Gold
OK To Travel - Premier Plus
Penguin Insurance - Premier
Penguin Insurance - Premier Plus
Postcard Travel Insurance - Classic
Postcard Travel Insurance - Premier
Premier Cover (Citybond Holdings) - Club
Premier Cover (Citybond Holdings) - Deluxe
RAC - Black Cover
RAC - Silver Cover
RIAS - Single Trip
Saga - Travel Insurance
Sainsbury's Bank - Gold
Sainsbury's Bank - Platinum
SkiCover.com - Voyager Plus Black Ski
SkiCover.com - Voyager Plus Prime Ski
Southdowns Insurance Services Limited - Platinum
Southdowns Insurance Services Limited - Platinum Select
Spectrum (Citybond Holdings) - Gold
Spectrum (Citybond Holdings) - Platinum
STA Travel - Blue Premier Plus
STA Travel - Gold Premier Plus
Staysure - Comprehensive
Sun Selection - Platinum
Switched On Insurance - Premium
Switched On Insurance - Ultimate
The True Traveller - Traveller Plus
TopDog Insurance (Citybond Holdings) - Gold
TopDog Insurance (Citybond Holdings) - Platinum
TopNotchCover.com - Gold
Voyager Insurance Services - Black
Voyager Insurance Services - Prime
Wesleyan - Single Trip
Worldwide Travel Insurance Services - Elite

Single Trip Travel Insurance - Four star

AllClear - Gold Plus
Allianz Global Assistance - Gold
AllSAFE (Brokersure) - Premier
Annualtravelinsurance.com - Super
AXA Direct - Silver
Barrhead Travel Services - Premier Plus
BHSF - Single Trip
Big Cat Travel Insurance - Premier
Blue Insurance - Premier
Boots - Silver
British Airways - Deluxe
Cedar Tree Travel Insurance - Silver
Citybond Suretravel - Premier
Columbus Direct - Silver
Co-operative Travel Insurance - Super
Cover4Travel - Premier
Cover4Travel - Premier-Plus
Cover4Travel - Standard-Plus
Cover4Travel.com - Platinum
CoverForYou - Gold
Coverontrip - First Class
Coverontrip - Premium
Coverwise - Silver
Coverwise - Silver Select
Debenhams - Superior
Dogtag Limited - Max
Emerald Life - Premier
Endsleigh Insurance Services Limited - Essential
ERGO Travel Insurance - Protect
Explorer Travel Insurance - Platinum
Fit2Travel (Brokersure) - Gold
Fit4Travel - Platinum
Free Spirit - Super
Freedom Travel Insurance - Single Trip
Get Going Travel Insurance - Standard
Global Travel Insurance Single Trip - Premier
Go2 Travel Insurance - Silver
Golfguard - Premier Cover
Golfguard - Standard Cover
Goodtogoinsurance.com (Ancile Insurance) - Gold
Greatcover.com - Super
Insurancewith - Sapphire
InsuraTrip.com - Super
Insure & Escape - Premium
Insure For Travel - Diamond Plus
InsureandGo - Silver
insurefor.com - Premier
insurefor.com - Ultimate
InsureMore Travel Insurance - Deluxe
Journeyman Services Limited - Single Trip
Makesure Travel Insurance - Single Trip
Multitrip.com - Premier
Navigator - Navigator Plus
OK To Travel - Premier
OK To Travel - Premier Extra
OK To Travel - Standard
Online Travel Cover - Gold
Penguin Insurance - Standard
Planet Earth Travel Insurance - Single Trip
SkiCover.com - Gold Ski
Southdowns Insurance Services Limited - Gold
Southdowns Insurance Services Limited - Gold Select
SportsCover Direct - Gold
STA Travel - Gold Premier
Sun Selection - Gold
The True Traveller - Traveller
TopNotchCover.com - Silver
Travel Insurance 4 Medical - Superior
TravelTime Travel Insurance - PremierPlus
Travsure - Economy
Travsure - Premier
Travsure - Premier Plus
Travsure - Standard
treat-u-fair - Single Trip
TSB - Pick and Protect
TUI - Single Trip
World First - Exclusive
World First - Premier
World First - Superior

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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