Who are the best travel insurance providers? | moneyfacts.co.uk

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Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 16/06/2021

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 policies in the UK 2021?

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 travel insurance providers

  • Moneyfacts Star Rating: 5 Stars

    With our insurance you will be covered for COVID-19 related reasons including:

    • If you need to cancel your trip because you tested positive for COVID-19 within 14 days of travelling
    • If you need to cancel your trip because a close family member passes away due to COVID
    • Emergency medial treatment whilst abroad and costs to get you home if needed

    On top of that, you can get cover for loss of luggage and personal money as well as delayed** or missed departure. Plus, there is no upper age limit and all medical conditions are considered.

    Post office have won Best Travel Insurance Provider at the Your Money Awards.

    ** Not available on Economy or Lite levels of cover

  • Moneyfacts Star Rating: 5 Stars (Platinum), 4 Stars (Gold)

    • Flexible Choice - 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.
    • Cover when you need it - We insure a wide range of medical conditions and pay up to £20million in emergency medical expenses.
    • Cover for young and old - We don't think age should hinder adventure which is why we offer travel insurance to holidaymakers aged 18 to 70. Children can be added to an adult's policy
    • Access to our 24-hour Multilingual Emergency Helpline - If you’re injured or fall ill while on holiday, you can call our 24-hour Emergency Assistance Helpline.
    • Use code for 10% off: MONEYFACTS10
  • 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.
  • LV

    Moneyfacts Star Rating: 5 Stars

    15% online discount on LV= travel insurance

    Choose from either Essential or our 5 Star Defaqto rated Premier cover, which offers:
    • Up to £10,000 cancellation cover
    • All pre-existing medical conditions considered
    • No upper age limit for single trips
    • Cruise cover automatically included on annual policies
    You can choose to add cover for baggage and winter sports. You can also add cruise cover to single trip policies.

  • 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
  • Moneyfacts Star Rating: 5 Stars

    • Medical travel insurance
    • Experts in cover for medical conditions
    • No upper age limit
    • Cover for cruise holidays
    • Covid-19 emergency medical cover abroad included in all policies
    • Covid+ policies include cancellation cover if you contract Covid-19 before you travel
    • Rated Excellent on Trustpilot
  • Moneyfacts Star Rating: 5 Stars

    • Great value travel insurance
    • All policies include emergency medical cover abroad and cancellation if you contract Covid-19.
    • Discounts for couples, families and single parent families
    • Backpacker / Gap year cover
    • Cover for adventure sports and activities available
    • Wedding cover available
  • 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
Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfacts.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject is subject to change without notice. Please check all terms before making any decisions.

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. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfacts.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts.co.uk recommends you obtain independent financial advice.

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.

Travel insurance with COVID-19 cover

COVID-19 cover has become an essential component of any travel insurance policy since the pandemic hit in 2020, though it’s important to bear in mind that you won’t be covered under every coronavirus-related scenario.

Typically speaking, most travel insurance policies will now offer cancellation cover if you or a member of your travel party tests positive for COVID-19 in the two weeks before the trip, and if you contract the virus while on holiday you’ll usually be covered for the associated medical costs as well, together with any additional accommodation and transport expenses.

However, you almost certainly won’t be covered if you’re travelling to any country on the red list, and neither will you be covered if Government restrictions (either at home or in your destination) prevent travel. You also won’t be covered if you cancel because you don’t feel safe going, and some policies won’t uphold COVID-19 claims if you’ve chosen to decline the recommended vaccinations.

It’s important to note that the rules regarding travel and coronavirus – and any relevant travel insurance policy – can change quickly, so it’s essential to stay up to date and be prepared for the fact that you’re taking on additional risk by travelling in the current climate. As well as making sure you’ve got insurance that’s as comprehensive as possible, always try to book flexibly so if circumstances change you don’t run the risk of losing out financially, and always carefully check the policy document, as specific terms will always differ between providers and products.

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

AA - Gold

AA - Gold (AA Members)

AA - Silver (AA Members)

Able2Travel - Gold

Able2Travel - Platinum

Admiral - Admiral Platinum (Direct)

Allianz Global Assistance - Gold

AllSAFE (Brokersure) - Premier

AllSAFE (Brokersure) - Premier Plus

Alpha Travel Insurance - Alpha Diamond

Alpha Travel Insurance - Alpha Zero

Annualtravelinsurance.com - Super Plus

ASDA money - Superior

Aston Lark - Premier Cover

Avanti Travel Insurance - Classic

Avanti Travel Insurance - Deluxe

Bank of Scotland - Platinum Account Travel Insurance

Benenden Insurance - Gold

Benenden Insurance - Silver

Blue Insurance - Premier Plus

Boots - Gold

Boots - Platinum

British Airways - Deluxe

Cedar Tree Travel Insurance - Gold

Cedar Tree Travel Insurance - Platinum

Citybond Suretravel - Premier

Citybond Suretravel - Supreme

Clydesdale Bank - Private Account Travel Insurance

Co-operative Travel Insurance - Super

Coutts & Co. - Coutts Travel Protection

Covered2go Travel Insurance - Gold

Covered2go Travel Insurance - Platinum

CoverForYou - Gold

CoverForYou - Platinum

Cover-More - Extra

Coverwise - Gold

Coverwise - Gold Select

Coverwise - Platinum

Coverwise - Platinum Select

Direct Travel Insurance (Brokersure) - Premier Plus

Dogtag Limited - Max

Economycover.com - Premier Plus

Elect Travel Insurance - Platinum

ERGO Travel Insurance - Optimum

esure - Classic

esure - Extra

esure - Travel Insurance (Home Add on)

first direct - First Directory Travel Insurance

Fit2Travel (Brokersure) - Platinum

Flexicover (Citybond Holdings) - Diamond

Flexicover (Citybond Holdings) - Gold

Flexicover (Citybond Holdings) - Platinum

Free Spirit - Super Duper

Get Going Travel Insurance - Diamond

Globelink International - Annual Multi-Trip

Go Walkabout Travel Insurance - Gold

Go Walkabout Travel Insurance - Silver

Go2 Travel Insurance - Gold

Go2 Travel Insurance - Silver

Goodtogoinsurance.com (Ancile Insurance) - Platinum

Goodtogoinsurance.com (Ancile Insurance) - Platinum Covid+

Greatcover.com - Super - Plus

Halifax - Ultimate Reward Current Account

Holiday Extras - Platinum

Holidaysafe - Platinum

Holidaysafe - Premier

Holidaysafe - Premier Plus

HSBC - Premier Account

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 - Annual Multi Trip

Leisurecare - Traveller's Choice Affinity

Let's Go Insure - Annual Multi Trip

Lloyds Bank - Club

Lloyds Platinum Account Lloyds Bank - Platinum Account

LV= - Premier

Millstream Underwriting - Travel Insurance

Multitrip.com - Premier Plus

Nationwide Building Society - FlexPlus Worldwide Family Travel Insurance

Navigator - Diamond

Navigator - Gold

OK To Travel - Premier Extra

OK To Travel - Premier Plus

Online Travel Cover - Voyager Plus Black

Online Travel Cover - Voyager Plus Prime

P J Hayman & Company Limited - Travel Plus Premier

P J Hayman & Company Limited - Travel Plus Premier Plus

P&O Ferries - Gold

Post Office Money - Premier

Postcard Travel Insurance - Classic

Postcard Travel Insurance - Premier

RAC - Black Cover

RAC - Silver Cover

RIAS - Annual

Saga - Travel Insurance

Sainsbury's Bank - Gold

Sainsbury's Bank - Platinum

Santander - Travel Insurance

Sheilas' Wheels - Classic

Sheilas' Wheels - Extra

Sheilas' Wheels - Travel Insurance (Home Add on)

Ski Club of Great Britain - Diamond Cover

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) - Diamond

Spectrum (Citybond Holdings) - Gold

Spectrum (Citybond Holdings) - Platinum

starttravel.co.uk - 4 Star

starttravel.co.uk - 5 Star

Staysure - Comprehensive

Sun Selection - Platinum

Sun Selection - Platinum Covid+

Switched On Insurance - Premium

Switched On Insurance - Ultimate

Tesco Bank - Premier

TopDog Insurance (Citybond Holdings) - Diamond

TopDog Insurance (Citybond Holdings) - Gold

TopDog Insurance (Citybond Holdings) - Platinum

TopNotchCover.com - Gold

Travel Insurance Saver - Gold

Travsure - Premier Plus

Virgin Money - Black

Viva Travel Insurance - Gold

Viva Travel Insurance - Platinum

Voyager Insurance Services - Black

Voyager Insurance Services - Prime

World First - Exclusive

World First - Superior

Yorkshire Bank - Private Account Travel Insurance

Zurich – Extra

Travel Insurance - Four star

AA – Silver

Able2Travel – Silver

ABTA - Travel Sure Platinum

Admiral - Admiral Gold (Direct)

AllClear – Platinum

Alpha Travel Insurance - Alpha 100

Alpha Travel Insurance - Alpha 150

Alpha Travel Insurance - Alpha 50

Alpha Travel Insurance - Alpha 75

Annualtravelinsurance.com – Super

ASDA money – Premium

Aston Lark - Elite Cover

AXA Direct – Gold

Barrhead Travel Services - Premier Plus

Blue Insurance – Premier

Boots – Silver

British Airways – Essential

Cedar Tree Travel Insurance – Silver

Churchill - Travel Insurance

Columbus Direct – Gold

Columbus Direct – Silver

Co-op Insurance – Gold

Co-op Insurance – Platinum

Cover4Travel – Economy

Cover4Travel – Premier

Cover4Travel - Premier-Plus

Cover4Travel – Standard

CoverCloud – Gold

Direct Line- Travel Insurance

Direct Travel Insurance (Brokersure) – Premier

Dogtag Limited – Pro

easyJet – Gold

Economycover.com – Premier

Elect Travel Insurance – Gold

Endsleigh Insurance Services Limited – Comprehensive

Endsleigh Insurance Services Limited – Essential

ERGO Travel Insurance – Protect

esure – Essential

Expand Travel Insurance - Annual Multi-Trip

Explorer Travel Insurance – Platinum

Fit4Travel – Platinum

Flexicover (Citybond Holdings) – Silver

Geo Private Clients - Annual Multi Trip

Get Going Travel Insurance – Premier

Go Walkabout Travel Insurance – Bronze

Golfguard - Premier Cover

Golfguard - Standard Cover

Goodtogoinsurance.com (Ancile Insurance) – Gold Covid+

Greatcover.com – Super

Holiday Extras – Gold

Holidayrisk.com – Platinum

Holidaysafe – Standard

Insurancewith – Sapphire

InsuraTrip.com – Super

Insure & Escape – Premium

Insure For Travel - Diamond Plus

InsureandGo – Silver

InsureMore Travel Insurance – Deluxe

InsureMore Travel Insurance – Standard

It's So Easy - Premier Extra Cover

It's So Easy - Premier Plus Cover

Journeyman Services Limited - Annual Multi Trip

Multitrip.com – Premier

NatWest - Reward Black

NatWest - Reward Platinum

NatWest - Reward Silver

Navigator - Navigator Plus

Now Travel Insurance - Premier Cover

OK To Travel – Premier

P&O Ferries – Bronze

P&O Ferries – Silver

Planet Earth Travel Insurance - Annual Multi Trip

Post Office Money – Standard

Royal Bank of Scotland - Reward Black

Royal Bank of Scotland - Reward Platinum

Royal Bank of Scotland - Reward Silver

Sainsbury's Bank – Silver

Sheilas' Wheels – Essential

Ski Club of Great Britain - Gold Cover

Southdowns Insurance Services Limited – Gold

Southdowns Insurance Services Limited – Gold Select

Spectrum (Citybond Holdings) – Silver

SportsCover Direct – Gold

starttravel.co.uk - 3 star

Sun Selection – Gold

Sun Selection - Gold Covid+

Switched On Insurance – Standard

Tesco Bank – Standard

The True Traveller - Traveller Plus

TopDog Insurance (Citybond Holdings) – Silver

TopNotchCover.com – Silver

Travel Insurance 4 Medical – Superior

Travel Insurance Saver – Silver

TravelTime Travel Insurance - Premier Plus

Travsure – Economy

Travsure – Premier

Travsure – Standard

Unite Insurance – Gold

Unite Insurance – Silver

Virgin Money – Gold

Virgin Money – Silver

Wesleyan – Annual

World First – Premier

World First – Standard

Worldwide Travel Insurance Services – Elite

Worldwide Travel Insurance Services - Super

Single Trip Travel Insurance - Five star

AA - Gold

AA - Gold (AA Members)

AA - Silver (AA Members)

Able2Travel - Gold

Able2Travel - Platinum

Admiral - Admiral Platinum (Direct)

AllClear - Platinum

Allianz Global Assistance - Gold

AllSAFE (Brokersure) - Premier

AllSAFE (Brokersure) - Premier Plus

Alpha Travel Insurance - Alpha 50

Alpha Travel Insurance - Alpha Diamond

Alpha Travel Insurance - Alpha Zero

Annualtravelinsurance.com - Super Plus

ASDA money - Superior

Aston Lark - Premier Cover

Avanti Travel Insurance - Classic

Avanti Travel Insurance - Deluxe

Barrhead Travel Services - Premier Plus

Benenden Insurance - Gold

Benenden Insurance - Silver

Blue Insurance - Premier Plus

Boots - Gold

Boots - Platinum

Boots - Silver

British Airways - Deluxe

Cedar Tree Travel Insurance - Gold

Cedar Tree Travel Insurance - Platinum

Citybond Suretravel - Premier

Citybond Suretravel - Supreme

Columbus Direct - Gold

Co-operative Travel Insurance - Super

CoverCloud - Gold

Covered2go Travel Insurance - Gold

Covered2go Travel Insurance - Platinum

CoverForYou - Gold

CoverForYou - Platinum

Cover-More - Extra

Coverwise - Gold

Coverwise - Gold Select

Coverwise - Platinum

Coverwise - Platinum Select

Direct Travel Insurance (Brokersure) - Premier Plus

Dogtag Limited - Max

Economycover.com - Premier Plus

Elect Travel Insurance - Platinum

ERGO Travel Insurance - Optimum

esure - Classic

esure - Extra

first direct - Single Trip

Fit2Travel (Brokersure) - Platinum

Flexicover (Citybond Holdings) - Diamond

Flexicover (Citybond Holdings) - Gold

Flexicover (Citybond Holdings) - Platinum

Free Spirit - Super Duper

Get Going Travel Insurance - Diamond

Go Walkabout Travel Insurance - First Class

Go Walkabout Travel Insurance - Gold

Go Walkabout Travel Insurance - Silver

Go Walkabout Travel Insurance - Walkabout Plus

Go Walkabout Travel Insurance - Working Holiday

Go2 Travel Insurance - Gold

Go2 Travel Insurance - Silver

Goodtogoinsurance.com (Ancile Insurance) - Platinum

Goodtogoinsurance.com (Ancile Insurance) - Platinum Covid+

Greatcover.com - Super Plus

Holiday Extras - Gold

Holiday Extras - Platinum

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 - Single Trip

LV= - Premier

Millstream Underwriting - Travel Insurance

Multitrip.com - Premier Plus

Navigator - Diamond

Navigator - Gold

Navigator - Navigator Plus

OK To Travel - Premier Extra

OK To Travel - Premier Plus

Online Travel Cover - Voyager Plus Black

Online Travel Cover - Voyager Plus Prime

P J Hayman & Company Limited - Travel Plus Premier Plus

P&O Ferries - Gold

Post Office Money - Premier

Postcard Travel Insurance - Classic

Postcard Travel Insurance - Premier

RAC - Black Cover

RAC - Silver Cover

RIAS - Single Trip

Saga - Travel Insurance

Sainsbury's Bank - Gold

Sainsbury's Bank - Platinum

Santander - Travel Insurance

Sheilas' Wheels - Classic

Sheilas' Wheels - Extra

Ski Club of Great Britain - Diamond Cover

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) - Diamond

Spectrum (Citybond Holdings) - Gold

Spectrum (Citybond Holdings) - Platinum

starttravel.co.uk - 4 Star

starttravel.co.uk - 5 Star

Staysure - Comprehensive

Sun Selection - Platinum

Sun Selection - Platinum Covid+

Switched On Insurance - Premium

Switched On Insurance - Ultimate

Tesco Bank - Premier

TopDog Insurance (Citybond Holdings) - Diamond

TopDog Insurance (Citybond Holdings) - Gold

TopDog Insurance (Citybond Holdings) - Platinum

TopNotchCover.com - Gold

Travel Insurance Saver - Gold

TravelTime Travel Insurance - PremierPlus

Travsure - Premier Plus

Unite Insurance - Gold

Virgin Money - Black

Viva Travel Insurance - Gold

Viva Travel Insurance - Platinum

Voyager Insurance Services - Black

Voyager Insurance Services - Prime

World First - Exclusive

World First - Superior

Zurich - Extra

Single Trip Travel Insurance - Four star

AA – Silver

Able2Travel – Silver

ABTA - Travel Sure Platinum

Admiral - Admiral Gold (Direct)

AllClear - Gold Plus

Allianz Global Assistance - Silver

Alpha Travel Insurance - Alpha 100

Alpha Travel Insurance - Alpha 150

Alpha Travel Insurance - Alpha 175

Alpha Travel Insurance - Alpha 75

Annualtravelinsurance.com - Super

ASDA money - Premium

Aston Lark - Elite Cover

AXA Direct - Gold

Barrhead Travel Services - Premier

Blue Insurance - Premier

British Airways - Essential

Cedar Tree Travel Insurance - Silver

Churchill - Travel Insurance

Columbus Direct - Silver

Co-op Insurance - Gold

Cover4Travel - Economy

Cover4Travel - Premier

Cover4Travel - Premier-Plus

Cover4Travel - Standard

CoverCloud - Silver

Coverwise - Silver

Coverwise - Silver Select

Direct Line - Travel Insurance

Direct Travel Insurance (Brokersure) - Premier

Dogtag Limited - Pro

easyJet - Gold

easyJet - Silver

Economycover.com - Premier

Elect Travel Insurance - Gold

Endsleigh Insurance Services Limited - Comprehensive

Endsleigh Insurance Services Limited - Essential

ERGO Travel Insurance - Protect

esure - Essential

Expand Travel Insurance - Single Trip

Explorer Travel Insurance - Gold Plus

Explorer Travel Insurance - Platinum

Fit4Travel - Platinum

Flexicover (Citybond Holdings) - Silver

Free Spirit - Super

Get Going Travel Insurance - Premier

Global Travel Insurance - Single Trip Premier

Globelink International - Comprehensive

Globelink International - Winter Sports

Go Walkabout Travel Insurance - Bronze

Golfguard - Premier Cover

Golfguard - Standard Cover

Goodtogoinsurance.com (Ancile Insurance) - Gold Covid+

Greatcover.com - Super

Holiday Extras - Silver

Holidayrisk.com - Platinum

Holidaysafe - Standard

Insurancewith - Sapphire

InsuraTrip.com - Standard

InsuraTrip.com - Super

Insure & Escape - Premium

Insure For Travel - Diamond Plus

InsureandGo - Silver

insurefor.com - Ultimate

InsureMore Travel Insurance - Deluxe

InsureMore Travel Insurance - Standard

It's So Easy - Premier Cover

It's So Easy - Premier Extra Cover

It's So Easy - Premier Plus Cover

Journeyman Services Limited - Single Trip

JS Travel Insurance - Silver

Multitrip.com - Premier

Now Travel Insurance - Premier Cover

OK To Travel - Premier

P J Hayman & Company Limited - Travel Plus Premier

P&O Ferries - Bronze

P&O Ferries - Silver

Planet Earth Travel Insurance - Single Trip

Post Office Money - Standard

Sainsbury's Bank - Silver

Sheilas' Wheels - Essential

Ski Club of Great Britain - Gold Cover

Southdowns Insurance Services Limited - Gold

Southdowns Insurance Services Limited - Gold Select

Spectrum (Citybond Holdings) - Silver

SportsCover Direct - Gold

starttravel.co.uk - 3 star

Sun Selection - Gold

Sun Selection - Gold Covid+

Switched On Insurance - Standard

Tesco Bank - Standard

The True Traveller - Traveller Plus

TopDog Insurance (Citybond Holdings) - Silver

TopNotchCover.com - Silver

Travel Insurance 4 Medical - Superior

Travel Insurance Saver - Silver

Travsure - Economy

Travsure - Premier

Travsure - Standard

TUI - Single Trip

Unite Insurance - Silver

Virgin Money - Gold

Virgin Money - Silver

Wesleyan - Single Trip

World First - Premie

World First - Standard

Worldwide Travel Insurance Services - Elite

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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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