Aviva Travel Insurance Review: One Basic Plan to Customize

Aviva Travel Insurance Review: One Basic Plan to Customize

Decent value but you'll need to add travel disruption and baggage as extras.

Good for

  • Getting a 10% discount for online applications

Bad for

  • Covering insolvency
  • Not paying extra for baggage cover

Editor's Rating


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.

Coronavirus update (May 2020): Aviva is no longer selling new Single Trip and Annual Multi-Trip travel insurance policies to new customers. However, existing annual policies can be renewed. Click here for more information.

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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.

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 80 for Single Trip
  • Optional extras: winter sports, golf, scuba, baggage, airspace closure, travel disruption
  • Extended Stay cover available for longer trips
  • 10% discount for online applications
  • 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.

chart showing Aviva multi-trip travel insurance prices compared to market averages
Aviva Multi-Trip Travel Insurance Prices vs. the Market
chart showing Aviva single-trip travel insurance prices compared to market averages
Aviva Single Trip Travel Insurance Prices vs. the Market

Aviva Quote Comparison

Geographical CoverAviva (with Baggage and Travel Disruption Cover)Aviva (no extras)Market Average



World excl. USA, Canada & Caribbean

World incl. USA, Canada & Caribbean

Single Trip


World excl. USA, Canada & Carib.

World incl. USA, Canada & Carib.

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, travel disruption or winter sports. 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 Including Add-On Extras for an Annual, Multi-Trip Policy (quotes for a single male, 30 years old)

EuropeWorld excl. USA, Canada & Carib.World incl. USA, Canada & Carib.
Winter Sports£62.4£5.0£99.3
Airspace closure (e.g., volcanic ash)£49.5£58.1£63.6
Travel Disruption£46.4£59.2£67.2

Extended stay
45 days£42.2£52.4£58.9
60 days£45.3£57.4£65.1
90 days£49.0£63.4£72.4

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
BaggageOPTIONAL extra cover for lost or damaged baggage up to £1,500 in total (£50 excess per person); Single item limit of £400; Total valuables limit of £400
InsolvencyOf a tour operator, travel agent, airline or other service provider is NOT covered
Winter SportsOptional extra cover for winter sports equipment up to £500 (£50 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
GolfingOPTIONAL extra cover for clubs and equipment up to £1,500 (£50 excess per person); hired equipment covered up to £250; green fees
Scuba DivingCovered for 5 dives up to 15 metres in depth; optional extra to cover unlimited dives up to 30m over 21 days
Airspace ClosureOPTIONAL extra cover for unexpected closure of the airport or airspace; Extended Cancellation Cover up to £5,000 (£50 excess per person); Extended Stay Abroad Cover up to £1,500 (with no excess)
Travel DisruptionOPTIONAL 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 (£50 excess per person); Extended Abandonment Cover up to £5,000 (same £50 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

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).

Aviva Cover Limits (Single & Annual Multi-Trip)^

Limits (per person, per trip)
Emergency medical treatmentup to £10 million
Lost or stolen passportup to £750
Lost or stolen moneyto £400 for cash and bank notes(£500 overall)
Legal expensesup to £50,000
Cancellation and abandonmentup to £5,000 per person
Missed international departuresup to £1,000
Replace essential items if baggage is delayed more than 12 hoursup 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£50
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£50
– hired equipment£400Nil
– hire of replacement equipment£200Nil
– loss or stolen lift pass£200Nil
Delay due to Avalanche£200Nil
Piste Closure limit£300Nil
– Daily benefit (transport & compensation)£30Nil
Ski Pack£300Nil
Inability to take part in Winter Sports Activities£200Nil
– daily benefit£20Nil
Golfing cover
Own equipment£1,500£50
Hire of replacement Equipment£250Nil
– daily benefit£35Nil
Pre-booked green fees£250Nil
Scuba Diving cover
Refer to limits under Emergency Medical and Associated Expenses and Abandonment headingsRefer to excesses under Emergency Medical and Associated Expenses and Abandonment headings
Airspace Closure cover
Extended Cancellation Overall limit£5,000£50
Professional pet sitter fees£250
Enforced Stay Abroad Overall limit – unable to return home£1,500Nil
Benefit for every 24 hour period£100
Overall limit – reasonable additional travel costs£1,000Nil
Travel Disruption Cover
Extended Cancellation Overall limit£5,000£50
Professional pet sitter fees£250
Extended Abandonment Overall limit£5,000£50
Professional pet sitter fees£250
Delay outside the UK Delayed Departure benefit£250Nil
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.

Other Useful Information

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


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.