Aviva Travel Insurance Review: One Basic Plan to Customize
Aviva Travel Insurance Review: One Basic Plan to Customize
Good for
- Getting a 10% discount for online applications
Bad for
- Covering insolvency
- Not paying extra for baggage cover
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.
We like that Aviva offers one, basic level of travel insurance, simplifying the purchasing process—this means that consumers don't have to make the (often confusing) choice between different tiers of cover. Unlike most other travel insurance plans, however, Baggage is not included as standard (but can be added for additional cost). With prices in line with market averages, Aviva travel insurance may be a good choice especially if you buy online to secure a 10% online discount—but if you are looking for insolvency cover, you'll need to look elsewhere.
In This Review
Aviva Travel Insurance Review: What You Need to Know
Aviva travel insurance offers a simple and customizable approach to travel insurance. You can buy either single trip or multi-trip (annual) policies with cover for Cancellation and Emergency Medical, but unfortunately Baggage and Travel Disruption are not included as standard. These features, as well as airspace closure, winter sports, golf, scuba diving and business cover are available to purchase for an extra cost.
Also, note that their standard excess has doubled since before the pandemic, from £50 per person per incident to £100.
Does Aviva Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Aviva policies, so long as you pre-booked at least 2 consecutive nights of accommodation.
Pre-Existing Conditions: You might get cover with Aviva for pre-existing conditions, but you'll need to disclose and get pre-approval first. Here's when you need to tell Aviva:
- You’ve received advice, medication or treatment for any serious illness, injury or disease in the last 12 months
- You’re waiting for test results for any diagnosed or undiagnosed condition
- You’re planning to stay with someone who has a serious illness, injury or disease
Over 65s: Those over age 65 are eligible for Aviva travel insurance, up to the age of 75 for Annual Multi-Trip policies and 80 for Single Trip policies.
Aviva Travel Insurance Key Points
- One level of cover with add-ons available for an extra cost
- Single-trip cover for trips up to 120 days
- Multi-trip cover for trips up to 31 days (or up to 90 days for an extra charge)
- Upper age limits of 75 for Annual Multi-Trip and 79 for Single Trip
- Optional extras: winter sports, golf, scuba, baggage, airspace closure, travel disruption
- Extended Stay cover available for longer trips
- Insolvency not covered
- Baggage cover not standard but available as an add on
- Prices in line with market averages
Aviva Price Comparison
According to our research, Aviva prices are typically in line with the average cost of travel insurance in the UK marketplace.
While Aviva's basic plans initially appear to be cheap vs. market averages, these basic plans do not include baggage and travel disruption as standard. Therefore we also gathered quotes for plans across geographies (e.g., Europe and America) including baggage and travel disruption cover. As you can see in the following charts, there is a bit more value found in Aviva's single-trip policies relative to market averages.
Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use the following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.
| Aviva Quote Comparison | France | United States | |
|---|---|---|---|
| Single trip | |||
| Basic cover, no extras | £29 | £86 | |
| With baggage | £36 | £93 | |
| With travel disruption | £38 | £95 | |
| With baggage, airspace closure, travel disruption | £57 | £114 | |
| Annual, multi-trip | |||
| Basic cover, no extras | £57 | £91 | |
| With baggage | £57 | £91 | |
| With travel disruption | £83 | £117 | |
| With baggage, airspace closure, travel disruption | £104 | £139 |
Cost of Add-On Extras
We've also gathered quotes for annual, worldwide policies across geographies for a 30-year-old single male in order to break down the additional premium you might expect to pay with add-on features such as baggage and travel disruption. If you're considering adding on any extra cover, it can be useful to have a rough idea of expected costs. While quotes are likely to vary according to your particular application details, you can get a general idea of travel insurance add-on costs in the table below.
| Estimated Costs for Aviva Travel Insurance Extras | ||
|---|---|---|
Single trip | ||
| Baggage | £7 | |
| Travel disruption | £9 | |
| Baggage, travel disruption and airspace closure | £28 | |
| Annual trip | ||
| Travel disruption | £26 | |
| Baggage, travel disruption and airspace closure | £47 | |
Aviva travel insurance rates with age
As with all travel insurance, rates for Aviva will rise with age—in particular, once people reach ages 60 to 70. The below chart can give you an idea as to how much Aviva travel insurance rates can change with age. As you can see, it's expected that a 70 year old can easily pay 3X the rate of a 30 year old. And that's if they're healthy. Many 70 year olds will pay an even higher amount, if they have pre-existing conditions.
Notable Features
We've combed through the Policy Documents and noted the following feature highlights. Of course, standard features like Medical and Personal Liability are also included on Aviva policies, limits for which can be found below in the Policies. For more complete details and exclusions, please see the policy documents.
| Aviva Travel Insurance Features | |
|---|---|
| Baggage | OPTIONAL extra cover for lost or damaged baggage up to £1,500 in total (£100 excess per person); Single item limit of £400; Total valuables limit of £400 |
| Insolvency | Of a tour operator, travel agent, airline or other service provider is NOT COVERED |
| Winter Sports | OPTIONAL extra cover for winter sports equipment up to £500 (£100 excess per person); avalanche delay up to £200; piste closure limit up to £300; inability to take part due to illness or accidental injury up to £200 |
| Golfing | OPTIONAL extra cover for clubs and equipment up to £1,500 (£100 excess per person); hired equipment covered up to £250; green fees |
| Scuba Diving | Covered for 5 dives up to 15 metres in depth; optional extra to cover unlimited dives up to 30m over 21 days |
| Airspace Closure | OPTIONAL extra cover for unexpected closure of the airport or airspace; Extended Cancellation Cover up to £5,000 (£100 excess per person); Extended Stay Abroad Cover up to £1,500 (with no excess) |
| Travel Disruption | OPTIONAL extra cover for non-recoverable travel and accommodation expenses if your trip is cancelled or you have to return home early; Extended Cancellation Cover up to £5,000 (£100 excess per person); Extended Abandonment Cover up to £5,000 (same £100 excess); £25 for each 12-hour delay and a delayed departure benefit of £250 for flight delays outside the UK; covers strike or industrial action, severe snowfall, the Foreign Commonwealth Office (FCO) advise against travel and food poisoning, pandemic or catastrophic damage directly affecting your holiday accommodation (no cover if the advice or measures were in place or had been announced at the time of purchasing your policy, adding Travel Disruption or booking your trip, whichever is later). |
Types of Aviva Travel Insurance Policies
Aviva offers Single and Multi-trip travel insurance with optional extras including Baggage, Winter Sports, Airspace closure (e.g., volcanic ash), Travel Disruption, Extended stay (45, 60 or 90 days), Golf, Scuba and Business cover.
Single Trip: Aviva's Single Trip travel insurance covers trips up to 120 days abroad.
Annual Multi-Trip: Aviva's Annual Multi-Trip policies cover trips abroad up to 31 days in length, for travellers between age 16 and 75. (For an extra cost, you can extend the length of covered holidays up to 90 days).
Here is a highlight of some features on Aviva policies:
Aviva Cover Limits (Single & Annual Multi-Trip)^
| Limits (per person, per trip) | |
|---|---|
| Emergency medical treatment | up to £10 million |
| Lost or stolen passport | up to £750 |
| Lost or stolen money | to £400 for cash and bank notes(£500 overall) |
| Legal expenses | up to £50,000 |
| Cancellation and abandonment | up to £5,000 per person |
| Missed international departures | up to £1,000 |
| Catastrophe cover | £750 |
| Replace essential items if baggage is delayed more than 12 hours | up to £150 |
^For inner limits please see the Policy Wording
Optional Add-On Extra Cover Limits
| Limits (per person, per trip) | Excess (per person, per incident) | ||
|---|---|---|---|
| Baggage cover | |||
| Overall limit | £1,500 | £100 | |
| Limit for any one article, pair or set | £400 | ||
| Limit for valuables (as defined in policy booklet) | £400 | ||
| Winter Sports cover | |||
| Winter sports equipment | |||
| – own equipment | £500 | £100 | |
| – hired equipment | £400 | Nil | |
| – hire of replacement equipment | £200 | Nil | |
| – loss or stolen lift pass | £200 | Nil | |
| Delay due to Avalanche | £200 | Nil | |
| Piste Closure limit | £300 | Nil | |
| – Daily benefit (transport & compensation) | £30 | Nil | |
| Ski Pack | £300 | Nil | |
| Inability to take part in Winter Sports Activities | £200 | Nil | |
| – daily benefit | £20 | Nil | |
| Golfing cover | |||
| Own equipment | £1,500 | £100 | |
| Hire of replacement Equipment | £250 | Nil | |
| – daily benefit | £35 | Nil | |
| Pre-booked green fees | £250 | Nil | |
| Scuba Diving cover | |||
| Refer to limits under Emergency Medical and Associated Expenses and Abandonment headings | Refer to excesses under Emergency Medical and Associated Expenses and Abandonment headings | ||
| Airspace Closure cover | |||
| Extended Cancellation Overall limit | £5,000 | £100 | |
| Excursions | £250 | ||
| Professional pet sitter fees | £250 | ||
| Enforced Stay Abroad Overall limit – unable to return home | £1,500 | Nil | |
| Benefit for every 24 hour period | £100 | ||
| Overall limit – reasonable additional travel costs | £1,000 | Nil | |
| Travel Disruption Cover | |||
| Extended Cancellation Overall limit | £5,000 | £100 | |
| Excursions | £250 | ||
| Professional pet sitter fees | £250 | ||
| Extended Abandonment Overall limit | £5,000 | £100 | |
| Excursions | £250 | ||
| Professional pet sitter fees | £250 | ||
| Delay outside the UK Delayed Departure benefit | £250 | Nil | |
| Benefit for each 12 hour period | £25 | ||
Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not.
How does Aviva Travel Insurance Compare to Competitors?
To better understand the value of Aviva travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.
Aviva Travel Insurance vs AXA Travel Insurance
In our opinion, AXA travel insurance offers solid cover for reasonable prices, offering good value for money. Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe are included on all plans.
Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, then AXA might be a more comprehensive travel insurance option for you.
Aviva Travel Insurance vs AA Travel Insurance
AA travel insurance is another provider offering good value. In particular, we like their higher-tier Standard plan as it offers higher limits plus includes Abandonment and Financial Failure, may cover pre-existing conditions and you can add extended Travel Disruption protection. Personal Belongings and baggage are covered on all policies, although cover limits may be too low for some travellers. When purchased online, customers can lock in a 20% online discount for the first year.
Bottom Line: If you want a larger online discount, AA offers 20% off to new customers.
Aviva Travel Insurance vs Holidaysafe Travel Insurance
Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits to suit most needs. Prices are very competitive and solid value can be found amongst plans that can be customized to cover your particular activities, such as Sailing, Scuba, Mountain Biking, Motorcycling, Golf, Running & Triathlon, Cycling, Marathon and Winter Sports. The Premier Plus plans come in at market average prices, and include financial failure and natural disaster cover.
Bottom Line: If you're looking for customizable travel insurance cover, Holidaysafe offers many options to get the cover you need.