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

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Michelle Monck

Michelle Monck

Consumer Finance Expert
Published: 08/06/2022

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 2022?

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.

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 cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation 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
  • 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
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation 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
  • 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
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation cover
  • Travel abandonment
  • Travel delay cover
  • Baggage cover
  • Valuables limits
  • Age limits
  • Trip length
  • Medical cover
  • Cancellation 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
  • 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
  • Scheduled airline failure
  • Winter sports
  • Business trips
  • Cruise cover
  • Excesses
  • Cash cover
  • Pet care cover
  • Golf cover

Featured travel insurance providers

  • Moneyfacts Star Rating: 5 Stars

    Cover your next holiday with the UK's most trusted travel insurance provider ‡

    • Pre-existing health condition cover with up to unlimited medical expenses*
    • Cancellation cover up to £5,000*
    • Superior-rated COVID protection§
    • No upper age limit on our policies
    • Up to unlimited medical expenses*

    ‡ UK’s No.1 for Travel Insurance is based on more Trustpilot reviews than any other travel insurance provider
    *Available on Comprehensive policies.
    § As rated by a large UK independent consumer association

  • 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

  • LV=

    Moneyfacts Star Rating: 5 Stars

    15% online discount on LV= travel insurance

    Choose from either Essential or our Defaqto 5 Star rated Premier policy, 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: 4 Stars

    TravelTime specilises in offering great value Single Trip, Annual Multi Trip, Winter Sports and Backpacker travel insurance.

    • Quick and east to quote and buy
    • Choose from 3 great levels of cover
    • 24 hour worldwide emergency assistance
    • Friendly UK based customer service
    • Award winning Coronovirus cover*

    * Forbes Advisor 2022 - One of the Best Travel Insurance Companies for Covid-Related Risks

  • Moneyfacts Star Rating: 5 Stars

    • Tailored for people over 50 with no upper age limit
    • Cover for many pre-existing medical conditions
    • Up to £10,000 cancelation cover
    • Up to £10 million emergency medical cover
    • Travel for up to 120 days
  • Moneyfacts Star Rating: 5 Stars

    It’s not just travel insurance, it’s travel reassurance!

    • Pre-existing health condition cover with up to unlimited medical expenses*
    • No age limit - enjoy travelling whatever your age
    • Superior-rated COVID cover included at no extra cost✝
    • Up to £7,500 cancellation cover*
    • 24/7 medical emergency support

    *On Deluxe policies.
    ✝ Rated by a large UK independent consumer association

    • Cover included for COVID 19
    • Big cover at affordable prices
    • Cover for Pre-existing medical conditions available
    • Cover for you and the people you travel with
    • 24/7 emergency medical support, 365 days a year
  • Compare quotes from over 20 travel insurance providers

    • Complete one simple form and get quotes from over 20 UK providers including: The Cooperative Travel, Insurance Republic, Leisure Guard, Tripsure and Jet2.
    • Whether you just need cover for a weekend away or an annual policy for many trips per year, see how much you could save today!
    • With Quotezone Rewards, unlock an entire platform of cashback and discounts for a full year just for completing an insurance quote.
      • Save online at up to 1,000 retailers
      • Earn cashback on your everyday shopping
      • Enter free competitions
  • Moneyfacts Star Rating: 4 Stars

    Get 10% off when use the code MONEYFACTS10 at checkout*

    • 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.

    * Full Ts&Cs here.

  • 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: 4 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.

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Have you compared prices for your travel insurance?

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.

Travel Insurance Star Ratings 2022

Click the headings below to see the full list of star ratings awarded.

Annual Travel Insurance - Five Star

AA - Gold
AA - Gold (AA Members)
AA - Silver (AA Members)
Able2Travel - Gold
Able2Travel - Platinum
Allianz Assistance - Gold
AllSAFE (Brokersure) - Premier
AllSAFE (Brokersure) - Premier Plus
Annualtravelinsurance.com - Super Plus
A-Plan Insurance - Premier
A-Plan Insurance - Premier Plus
ASDA Money - Premium
ASDA Money - Superior
Aston Lark - Elite Cover
Aston Lark - Premier Cover
Avanti Travel Insurance - Classic
Avanti Travel Insurance - Classic Cruise
Avanti Travel Insurance - Deluxe
Avanti Travel Insurance - Deluxe Cruise
Bank of Scotland - Platinum Account Travel Insurance
Benenden Health - Platinum
Bettersafe.com - Gold
Bettersafe.com - Platinum
Blue Insurance - Premier Plus
Cedar Tree Travel Insurance - Gold
Cedar Tree Travel Insurance - Platinum
Clydesdale Bank - Private Current Account Travel Insurance
Columbus Direct - Gold
Co-op Insurance - Platinum
Co-operative Travel Insurance - Super
Coutts & Co. - Coutts Travel Protection
CoverCloud - Gold
CoverCloud - Platinum
Covered2go Travel Insurance - Cruise
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
DFDS - Black
DFDS - Prime
Direct Travel Insurance (Brokersure) - Premier
Direct Travel Insurance (Brokersure) - Premier Plus
Economycover.com - Premier Plus
Emerald Life - Platinum
ERGO Travel Insurance - Optimum
esure - Classic
esure - Extra
Europe Plus - Platinum
Flexicover (Citybond Holdings) - Diamond
Flight Centre - Diamond
Flight Centre - Gold
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
Goodtogoinsurance.com (Ancile Insurance) - Platinum Covid+
Greatcover.com - Super Plus
Halifax - Ultimate Reward Current Account
Holiday Extras - Gold
Holidaysafe - Platinum
Holidaysafe - Premier Plus
Holidaysafe - Premier Wintersports
HSBC - Premier Account
Insurancewith - Platinum
InsuraTrip.com - Premier
Insure & Escape - First
Insure & Escape - Premium
InsureandGo - Black
InsureandGo - Gold
Insurewithease.com (Ancile Insurance) - Gold
Insurewithease.com (Ancile Insurance) - Platinum
Investec Bank - Voyage - Visa Platinum
Leisure Guard - Premier
Leisure Guard - Premier Plus
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
NatWest - Reward Black
Navigator - Diamond
Navigator - Gold
Now Travel Insurance - Premier Cover
Oasis Insurance - Gold
Oasis Insurance - Silver
OK To Travel - Premier Extra
OK To Travel - Premier Plus
P J Hayman & Company Limited - Travel Plus Premier
P J Hayman & Company Limited - Travel Plus Premier Plus
Post Office Insurance - Premier
Post Office Insurance - Standard
RAC - Black Cover
RAC - Silver Cover
Royal Bank of Scotland - Reward Black
Saga - Travel Insurance
Sainsbury's Bank - Gold
Sainsbury's Bank - Platinum
Santander - Travel Insurance
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
starttravel.co.uk - 4 Star
starttravel.co.uk - 5 Star
Staysure - Comprehensive
Switched On Insurance - Premium
Switched On Insurance - Ultimate
Tagdirect - Premier Plus
Tesco Bank - Premier
The Co-operative Bank - Everyday Extra
Thomas Cook - First Class
Thomas Cook - Premier
Virgin Money - Club M Account Travel Insurance
Virgin Money - Gold
Viva Travel Insurance - Gold
Viva Travel Insurance - Platinum
Voyager Insurance Services - Black
Voyager Insurance Services - Prime
Wesleyan - Travel Insurance
Yorkshire Bank - Private Current Account Travel Insurance
Zurich - Extra

Annual Travel Insurance - Four Star

AA - Silver
Able2Travel - Silver
ABTA - Travel Sure Platinum
Admiral - Admiral Platinum (Direct)
AllClear - Platinum
Alpha Travel Insurance - Alpha Zero
Annualtravelinsurance.com - Super
A-Plan Insurance - Economy
A-Plan Insurance - Standard
ASDA Money - Value
Barclays - Travel Pack
Barclays - Travel Plus Pack
Barrhead Travel Services - Premier Plus
Benenden Health - Gold Plus
Blue Insurance - Premier
British Mountaineering Council - Alpine & Ski/High Alt & Remote
British Mountaineering Council - Trek/Rock
Cedar Tree Travel Insurance - Silver
Churchill - Travel Insurance
Columbus Direct - Silver
Co-op Insurance - Gold
Co-op Insurance - Silver
Cover4Travel - Economy
Cover4Travel - Premier
Cover4Travel - Premier Plus
Cover4Travel - Standard
CoverForYou - Silver
Direct Line - Travel Insurance
easyJet - Gold
Economycover.com - Premier
Elect Travel Insurance - Platinum
Emerald Life - Gold
ERGO Travel Insurance - Protect
Europe Plus - Standard
Expand Travel Insurance - Annual Multi-Trip
Explorer Travel Insurance - Platinum
first direct - First Directory Travel Insurance
Fit4Travel - Platinum
Flexicover (Citybond Holdings) - Gold
Flight Centre - Silver
Free Spirit - Super
Geo Private Clients - Travel Insurance
Get Going Travel Insurance - Premier
Getcover.com - Gold
Global Travel Insurance - Global Multi Trip Premier
Go2 Travel Insurance - Silver
Goodtogoinsurance.com (Ancile Insurance) - Platinum
Greatcover.com - Super
Hays Travel - Gold Cover
Hays Travel - Silver Cover
Holiday Extras - Silver
Holidaysafe - Premier
Holidaysafe - Standard Wintersports
HSBC - Select and Cover
Hughes Insurance - Premier
Insurancewith - Sapphire
Insurancewith - Wintersports Multi Trip
InsuraTrip.com - Super
Insure & Escape - Economy
InsureandGo - Silver
insurefor.com - Ultimate
InsureMore Travel Insurance - Deluxe
InsureMore Travel Insurance - Standard
It's So Easy - Enhanced
Journeyman Services Limited - Travel Insurance
JS Travel Insurance - Platinum
Lloyd & Whyte - Economy
Lloyd & Whyte - Premier
Lloyd & Whyte - Premier Plus
Lloyd & Whyte - Standard
loveit coverit - Premium
Makesure Travel Insurance - Essential Travel Insurance
Makesure Travel Insurance - Travel Insurance
Multitrip.com - Premier
NatWest - Reward Platinum
NatWest - Reward Silver
OK To Travel - Premier
OULdirect.com - Gold Annual Cover
Penguin Insurance - Economy
Penguin Insurance - Premier
Penguin Insurance - Premier Plus
Penguin Insurance - Standard
Planet Earth Travel Insurance - Annual Multi Trip
PremierCare - Economy
PremierCare - Premier
PremierCare - Premier Plus
PremierCare - Standard
Royal Bank of Scotland - Reward Platinum
Royal Bank of Scotland - Reward Silver
Sainsbury's Bank - Silver
Ski Club of Great Britain - Gold Cover
Southdowns Insurance Services Limited - Gold
Southdowns Insurance Services Limited - Gold Select
SportsCover Direct - Gold
starttravel.co.uk - 3 Star
Switched On Insurance - Standard
Tesco Bank - Standard
The True Traveller - Traveller Plus
TopNotchCover.com - Gold
Travel Insured - Economy
Travel Insured - Premier
Travel Insured - Premier Plus
Travel Insured - Standard
TravelInsurance4Medical.co.uk - Standard
TravelInsurance4Medical.co.uk - Superior
TravelTime Travel Insurance - Premier Plus
Virgin Money - Red
Virgin Money - Silver
Worldwide Travel Insurance Services - Elite
Worldwide Travel Insurance Services - Super
Zurich - Standard

Single Trip Travel Insurance - Five Star

AA - Gold
AA - Gold (AA Members)
AA - Silver
AA - Silver (AA Members)
Able2Travel - Gold
Able2Travel - Platinum
AllClear - Platinum
Allianz Assistance - Gold
AllSAFE (Brokersure) - Premier
AllSAFE (Brokersure) - Premier Plus
Annualtravelinsurance.com - Super Plus
A-Plan Insurance - Premier
A-Plan Insurance - Premier Plus
A-Plan Insurance - Standard
ASDA Money - Premium
ASDA Money - Superior
Aston Lark - Elite Cover
Aston Lark - Premier Cover
Avanti Travel Insurance - Classic
Avanti Travel Insurance - Classic Cruise
Avanti Travel Insurance - Deluxe
Avanti Travel Insurance - Deluxe Cruise
Barrhead Travel Services - Premier Plus
Benenden Health - Platinum
Bettersafe.com - Gold
Bettersafe.com - Platinum
Blue Insurance - Premier Plus
Cedar Tree Travel Insurance - Gold
Cedar Tree Travel Insurance - Platinum
Columbus Direct - Gold
Co-op Insurance - Gold
Co-op Insurance - Platinum
Co-operative Travel Insurance - Super
CoverCloud - Gold
CoverCloud - Platinum
Covered2go Travel Insurance - Cruise
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
DFDS - Black
DFDS - Prime
Direct Travel Insurance (Brokersure) - Premier
Direct Travel Insurance (Brokersure) - Premier Plus
easyJet - Gold
Economycover.com - Premier Plus
Emerald Life - Platinum
ERGO Travel Insurance - Optimum
Esure - Classic
Esure - Extra
Europe Plus - Platinum
Flexicover (Citybond Holdings) - Diamond
Flight Centre - Diamond
Flight Centre - Gold
Free Spirit - Super Duper
Get Going Travel Insurance - Diamond
Globelink International - Winter Sports
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 Covid+
Greatcover.com - Super Plus
Hays Travel - Gold Cover
Holiday Extras - Gold
Holidaysafe - Platinum
Holidaysafe - Premier
Holidaysafe - Premier Plus
Holidaysafe - Premier Wintersports
Insurancewith - Platinum
InsuraTrip.com - Premier
Insure & Escape - First
Insure & Escape - Premium
InsureandGo - Black
InsureandGo - Gold
InsureMore Travel Insurance - Deluxe
Insurewithease.com (Ancile Insurance) - Gold
Insurewithease.com (Ancile Insurance) - Platinum
JS Travel Insurance - Platinum
Leisure Guard - Premier
Leisure Guard - Premier Plus
LV= - Premier
Millstream Underwriting - Travel Insurance
Multitrip.com - Premier Plus
Navigator - Diamond
Navigator - Gold
Now Travel Insurance - Premier Cover
Oasis Insurance - Gold
Oasis Insurance - Silver
OK To Travel - Premier
OK To Travel - Premier Extra
OK To Travel - Premier Plus
P J Hayman & Company Limited - Travel Plus Premier
P J Hayman & Company Limited - Travel Plus Premier Plus
Post Office Insurance - Premier
Post Office Insurance - Standard
RAC - Black Cover
RAC - Silver Cover
Saga - Travel Insurance
Sainsbury's Bank - Gold
Sainsbury's Bank - Platinum
Santander - Travel Insurance
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
starttravel.co.uk - 4 Star
starttravel.co.uk - 5 Star
Staysure - Comprehensive
Switched On Insurance - Premium
Switched On Insurance - Ultimate
Tagdirect - Premier Plus
Tesco Bank - Premier
Thomas Cook - First Class
Thomas Cook - Premier
TravelInsurance4Medical.co.uk - Superior
Virgin Money - Gold
Viva Travel Insurance - Gold
Viva Travel Insurance - Platinum
Voyager Insurance Services - Black
Voyager Insurance Services - Prime
Wesleyan - Single Trip
Zurich - Extra

Single Trip Travel Insurance - Four Star

Able2Travel - Silver
ABTA - Travel Sure Platinum
Admiral - Admiral Platinum (Direct)
AllClear - Gold Plus
Alpha Travel Insurance - Alpha 50
Alpha Travel Insurance - Alpha Zero
Annualtravelinsurance.com - Super
A-Plan Insurance - Economy
ASDA Money - Value
Aviva - Single Trip
Barrhead Travel Services - Premier
Benenden Health - Gold Plus
Bettersafe.com - Silver
Blue Insurance - Premier
British Mountaineering Council - Alpine & Ski/High Alt & Remote
British Mountaineering Council - Travel
British Mountaineering Council - Trek/Rock
Cedar Tree Travel Insurance - Silver
Churchill - Travel Insurance
Columbus Direct - Silver
Co-op Insurance - Silver
Cover4Travel - Economy
Cover4Travel - Premier
Cover4Travel - Premier Plus
Cover4Travel - Standard
CoverForYou - Silver
Direct Line - Travel Insurance
Direct Travel Insurance (Brokersure) - Standard
easyJet - Silver
Economycover.com - Premier
Elect Travel Insurance - Platinum
Emerald Life - Gold
ERGO Travel Insurance - Protect
esure - Essential
Europe Plus - Standard
Expand Travel Insurance - Single Trip
Explorer Travel Insurance - Gold Plus
Explorer Travel Insurance - Platinum
Fit4Travel - Platinum
Flexicover (Citybond Holdings) - Gold
Flight Centre - Silver
Free Spirit - Super
Get Going Travel Insurance - Premier
Getcover.com - Gold
Global Travel Insurance - Single Trip Premier
Globelink International - Comprehensive
Go Walkabout Travel Insurance - Bronze
Go Walkabout Travel Insurance - Economy 500
Goodtogoinsurance.com (Ancile Insurance) - Platinum
Greatcover.com - Super
Hays Travel - Silver Cover
Holiday Extras - Silver
Holidaysafe - Standard Wintersports
Hughes Insurance - Premier
Insurancewith - Sapphire
Insurancewith - Wintersports Single Trip
InsuraTrip.com - Super
Insure & Escape - Economy
InsureandGo - Silver
insurefor.com - Ultimate
InsureMore Travel Insurance - Standard
It's So Easy - Enhanced
Journeyman Services Limited - Travel Insurance
Lloyd & Whyte - Economy
Lloyd & Whyte - Premier
Lloyd & Whyte - Premier Plus
Lloyd & Whyte - Standard
loveholidays - Premier Travel Insurance
loveit coverit - Premium
M&S Bank - Travel Insurance
Makesure Travel Insurance - Essential Travel Insurance
Makesure Travel Insurance - Travel Insurance
Multitrip.com - Premier
OK To Travel - Standard
Penguin Insurance - Economy
Penguin Insurance - Premier
Penguin Insurance - Premier Plus
Penguin Insurance - Standard
Planet Earth Travel Insurance - Single Trip
PremierCare - Economy
PremierCare - Premier
PremierCare - Premier Plus
PremierCare - Standard
PuffinInsurance.com - Platinum
Sainsbury's Bank - Silver
Ski Club of Great Britain - Gold Cover
Southdowns Insurance Services Limited - Gold
Southdowns Insurance Services Limited - Gold Select
SportsCover Direct - Gold
starttravel.co.uk - 3 Star
Switched On Insurance - Standard
Tesco Bank - Standard
The True Traveller - Traveller Plus
TopNotchCover.com - Gold
TopNotchCover.com - Silver
Travel Insured - Economy
Travel Insured - Premier
Travel Insured - Premier Plus
Travel Insured - Standard
TravelInsurance4Medical.co.uk - Standard
TravelTime Travel Insurance - PremierPlus
TUI - Single Trip
Virgin Money - Red
Virgin Money - Silver
Worldwide Travel Insurance Services - Elite
Worldwide Travel Insurance Services - Super
Zurich - Standard

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.

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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