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Holidaysafe is a specialist travel insurer offering free insurance for kids and a wide array of travel insurance options, including niche cover for backpackers, Winter Sports, Cruise, Scuba, Weddings, etc. Plans offer good value, with only the top-tier Premier Platinum premiums exceeding market averages.
In This Review
- Overall Review
- Holidaysafe Policy Limits and Coverage Options
- Comparing Holidaysafe to the Competition
- Policy Wording and Claims
Holidaysafe Travel Insurance Review: What You Need to Know
Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits—solid value can be found and plans can be customized to cover your particular activities, but the wide range of options may be overwhelming for those new to travel insurance.
We like the Premier Plus plan for providing solid cover levels at market average prices, including financial failure and natural disaster cover. Their annual, multi-trip policies offer solid value relative to the market; their Single Trip policies are particularly good value as you can see in our price comparison.
All plans cover some level of Trip Delay, Missed Departure, Emergency Medical, Baggage/Possessions, Personal Liability and Legal Advice. Depending on the plan, you may also get cover for Trip Cancellation/Curtailment, End Supplier Failure/Force Majeure (unforeseeable circumstances like Natural Disaster), Mugging, Hijacking and Gadget cover. Niche cover is available for:
- Mountain Biking
- Running & Triathlon
- Winter Sports
Does Holidaysafe Travel Insurance Cover Trips in the UK? Annual, multi-trip Holidaysafe policies will cover UK travel so long as you are travelling at least 3 days in your home country on any one trip. Trips involving UK travel of less than 3 days aren’t covered. Single Trip policies can, of course, be purchased for UK-based holidays, as well.
Pre-Existing Condition: Holidaysafe may be able to offer cover for some pre-existing medical conditions, although an increased premium or excess may be required. If you decide not to pay the additional premium, any declared medical conditions will not be covered. In order to be covered for any pre-existing conditions, they must be declared by you, accepted by Holidaysafe and any additional premium paid.
Over 65s: The age limit for travellers on Holidaysafe annual multi-trip policies is under 80 years of age at the start of the policy (75 years of age for Winter Sports cover); there is no upper age limit on Single Trip policies.
Holidaysafe Travel Insurance Key Points
- 5 levels of cover (Last Minute, Standard, Premier, Premier Plus, Premier Platinum)
- Annual, multi-trip cover for unlimited trips up to 31 or 45 days each
- Single-trip cover up to 3 months
- Cover for trips up to 24 months available through Longstay or Backpacker cover
- Financial Failure (either included or available for an extra cost)
- Niche cover for Sailing, Motorcycling, Cycling, Scuba, Golf, Marathon, Mountain Biking, Running & Triathlon, Winter Sports
- Optional extras: Cruise, Gadget, Wedding, Financial Failure, Business, etc.
- Personal Belongings cover on all tiers
Customer Reviews for Holidaysafe Travel Insurance
Is Holidaysafe any good? In addition to solid coverage features and competitive prices, Holidaysafe has fantastic customer reviews overall. To learn more about the typical customer experience we read hundreds of customer reviews to look for common complaints and, on the plus side, what customers really like about Holidaysafe. Here's what we found.
According to a whopping 14,000+ reviews on Trustpilot, Holidaysafe travel insurance is rated 4.7 out of 5 by its customers. More than 3 out of 4 customers rate Holidaysafe as "Excellent" and just 2% gave them a 1-star "Bad" rating.
Positive comments reflect good prices, including for those with medical conditions, and quick, reliable payment for claimable incidents. Here is a sample:
"Covers my medical conditions at a realistic price."
"Medical conditions are easy to specify without the need to speak to an agent."
"Plain and easy to understand the policy with good levels of cover. Suitable for all ages and cover for all medical ailments."
"On a previous holiday to Egypt my wife had an accident that required a couple of costly hospital visits. When we returned from holiday I forwarded all the relevant bills and receipts to holidaysafe and they paid out immediately."
"Had to make an unfortunate claim last year due to being in hospital, the service was impeccable, fast and payment was prompt."
"Most helpful honest staff and very good prices for the cover."
"when I broke my arm and had to cancel my holiday I had no problems with getting my money back with holidaysafe. Brilliant service. Simple, honest and fair."
Not all customers have an excellent experience with Holidaysafe, however. For instance, some policyholders have experienced difficulty with contacting the company to confirm coverage for an emergency medical claim. Here is a selection of negative reviews so you can see some issues:
"The weather here is appalling and the roads out of the town where we are are blocked by deep snow... Holiday Safe have said that if she cannot get to the airport because of the weather she is not covered in any way."
"Whilst travelling in Peru I contracted pyelonephritis (severe kidney infection) which required immediate hospitalisation. I contacted HolidaySafe as soon as I was diagnosed and my doctor sent a medical report immediately. Call centre staff were extremely unhelpful and could offer no support or advice to me. I had to pay £1000 upfront to the hospital to be admitted because HolidaySafe couldn't review my policy and confirm I was covered in time... Upon leaving the hospital I had to pay the full cost of my treatment, over £2500. HolidaySafe contacted me nearly a week after I checked out of the hospital to say that my cover had been verified and my claim approved."
"I made my claim over 3 months ago now and still no progress."
Holidaysafe Price Comparison
Holidaysafe prices are generally a good value. We gathered publicly-available sample quotes for various Holidaysafe policies for different destinations, to see how prices relate to the average cost of travel insurance in the UK. As shown in the charts, all but Holidaysafe's Premier Platinum Annual, Multi-Trip plans come in below average costs.
Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation.
We also gathered quotes for Holidaysafe plans for a family of four—they'll pay on average 2X the cost of an individual policy, because kids go free. Below you can see how prices change across geographical locations like Europe and America and policy types for a family of four, with and without Winter Sports cover.
How Expensive is Holidaysafe Travel Insurance for a Family of Four?
|Geographical Cover||Plan Name||Premium for a Family of Four||Premium for a Family of Four, Including Winter Sports|
|Worldwide excl. USA, Canada & Caribbean||Standard||£66||£90|
|Single Trip||Europe||Last Minute||£13||£28|
|Worldwide excl. USA, Canada & Caribbean||Last Minute||£30||£60|
Cost of Winter Sports Cover
Winter Sports cover can be purchased as combined travel insurance for Standard and Premier plans (both Annual Multi-Trip and Single Trip), Last Minute Single Trip plans and Lite Multi-Trip plans. We’ve gathered sample quotes for a healthy, 30-year old individual traveller to get an idea of the travel insurance add-on costs.
Holidaysafe Winter Sports Premiums
|Geographical Cover||Plan Name||All-In Premium including Winter Sports||Implied Cost of Winter Sports Add-On|
|Worldwide excl. USA, Canada & Caribbean||Lite Winter||£30||£30|
|Single Trip||Europe||Last Minute||£14||£7|
|Worldwide excl. USA, Canada & Caribbean||Last Minute||£30||£15|
Here are some highlights of features available on Holidaysafe travel insurance policies. Standard features like Medical and Personal Liability are also included on Holidaysafe policies, limits for which can be found below in the Policies. For more complete details like inner limits and exclusions, please see the policy documents.
|Holidaysafe Travel Insurance Features|
|Trip Cancellation||Cover for unused travel and accommodation expenses if you have to cancel a trip before you leave home; covers expenses such as car hire, excursions and activities, car parking fees, accommodation and travel costs; valid reasons include death or illness, redundancy, home damage, requirements of HM forces and court cases.|
|Trip Disruption (Delay or Curtailment)||Reimbursement for delayed departure of an international flight, train or ship of more than 12 hours; Cover for prepaid transport and accommodation expenses, parking charges, car hire and excursions; alternative transport to get you to your destination or home in case of a Missed Departure|
|Missed Departure||Cover for alternative travel (not accommodation) expenses for missed international departure resulting from public transport delay or the breakdown of your vehicle or and accident involving your vehicle|
|Personal Belongings/Baggage||Possessions cover included on all policies between £1,000 and £3,000 total; inner limits change by policy type for categories such as clothing, luggage, jewellery, electrical items, etc.|
|Cruise||OPTIONAL cover includes Cabin Confinement, unused pre-paid Shore Excursions and Cruise Itinerary change|
|Wedding||NICHE cover for lost, stolen or damaged wedding rings, gifts, attire and photographs; also cover if the wedding photographer cannot fulfil their duties|
|Winter Sports||NICHE cover available for trips involving skiing, snowboarding and/or ice skating; can be purchased as Single Trip or Multi-Trip policies|
|Golf||NICHE cover available for Golf trips as Single or Multi-Trip policies|
|Gadget Extension||OPTIONAL cover up to £1,000 to repair or replace damaged, lost or stolen gadgets; includes unauthorized calls or downloaded data, electrical or mechanical breakdown, accidental damage; cover for mobile phones (e.g., iPhones), iPads, e-readers, sat nav systems, cameras, handheld game consoles, etc.; can be added to all Holidaysafe policies; cover does not apply to gadgets over 36 months old at the start of the trip or second-hand gadgets; included on Premier Platinum policies|
|Financial Failure & Natural Disasters/Force Majeure||OPTIONAL cover up to £3,000 per person for End Supplier Failure; natural disasters (i.e., fire, flood, storm, explosion, landslide, avalanche, hurricane, earthquake, tsunami or volcanic eruption); £100 per day accommodation and travel expenses; included as standard on Premier, Premier Plus and Premier Platinum policies, otherwise optional add on|
|Scuba||OPTIONAL additional cover for scuba diving up to 50 metres including Nitrox Air (if you’re qualified); Wet Suit and Dry Suit diving, Wreck diving and Metal Detecting|
Types of Holidaysafe Travel Insurance Policies
Holidaysafe offers 4 tiers of Multi-Trip travel insurance (Standard, Premier, Premier Plus and Premier Platinum) and 5 tiers of Single Trip insurance (Last Minute, Standard, Premier, Premier Plus and Premier Platinum), plus backpacker cover.
Travellers wanting Winter Sports cover can choose between 3 tiers of Single Trip cover (Express, Standard and Premier) and 2 tiers of Multi-Trip cover (Standard and Premier).
Backpacker and Longstay cover is available in 3 tiers (Backpacker and Longstay, Backpacker and Longstay Plus, Backpacker and Longstay Platinum).
Holidaysafe Single Trip: Holidaysafe Single Trip travel insurance covers trips up to 3 months abroad.
Holidaysafe Annual Multi-Trip: Holidaysafe Annual, Multi-Trip policies cover any number of trips a policy year, up to 31 days (Standard, Premier) or 45 days (Premier Plus and Premier Platinum) each.
Holidaysafe Backpackers/Longstay: Cover for trips between 3 months and 23 months long.
Below we highlight the features which are added to each higher tier of travel insurance. Generally speaking, cover limits increase through the tiers as well.
Holidaysafe Standard Travel Insurance
Those buying Holidaysafe’s Standard plan have the option to add End Supplier Failure/Force Majeure, Activity extension, Cruise Cover, Excess Waiver and Gadget cover.
Holidaysafe Premier Travel Insurance
A mid-tier plan, Premier policyholders benefit from End Supplier Failure/Force Majeure cover included as standard (up to £3,000 before you travel, or £1,000 after you travel). Plus Highjack and Mugging are also covered in the Premier plans (up to £100 per day, £500 total).
Holidaysafe Premier Plus Travel Insurance
The second highest tier of cover, Premier Plus policyholders benefit from features of the Premier plan but pay a lower policy excess of £0. Also, once you hit this tier the maximum trip duration is extended on Multi-Trip policies from 31 days to 45 days.
Holidaysafe Premier Platinum Travel Insurance
The top tier Premier Platinum plan includes features of the lower tier offerings, plus Gadget cover (up to £1,000), cover for Air Rage causing a delayed return (up to £1,000) and cover if you pet is taken ill (up to £25 per day, £300 total).
In addition, Holidaysafe offers plans for those purchasing last minute who don’t expect to need Cancellation cover.
Holidaysafe Last Minute/Express Travel Insurance
Last Minute/Express plans won’t cover Trip Cancellation/Curtailment if you have to cut your trip short, but do cover Trip Delay, Emergency Medical, Possessions/Baggage, Personal Liability and Legal.
Holidaysafe Cover Limits (Single Trip)
|Cover||Last minute||Standard||Premier||Premier Plus||Premier Platinum|
|If your checked-in baggage is delayed||No Cover||£100||£150||£150||£150|
|If your valuables are lost, stolen or accidentally damaged||£1,000||£1,000||£1,000||£1,000||£1,000|
|Single article limit/ pair or set||£250||£250||£250||£250||£250|
|If your gadgets are lost, stolen or accidentally damaged||£1,000||£1,000||£2,000||£2,000||£2,000|
|If your other possessions are lost, stolen or accidentally damaged||£2,000||£1,000||£2,000||£2,000||£2,000|
|Single article limit/ pair or set||£250||£250||£250||£250||£250|
|If your cash or event tickets are lost or stolen||£250||£250||£500||£500||£500|
|If you need emergency travel documents||£150||£100||£200||£200||£200|
|Travel and Accommodation to collect docs||£150||£100||£200||£200||£200|
|If you need legal advice||£50,000||£10,000||£50,000||£50,000||£100,000|
|If you are killed following an accident||£15,000||£5,000||£30,000||£30,000||£30,000|
|If you lose your sight or lose use of limbs following an accident||£15,000||£2,500||£30,000||£30,000||£30,000|
|If you are disabled following an accident||£15,000||£2,500||£30,000||£30,000||£30,000|
|If you are held legally liable for injury or damage||£2,000,000||£1,000,000||£2,000,000||£2,000,000||£2,000,000|
|If a major incident occurs while you are away||£1,000||£1,000||£1,000||£1,000||£1,000|
|Additional accommodation in the event of a major incident while you are abroad (per 24 hours)||£100||£100||£100||£100||£100|
|Additional accommodation in the event of a major incident while you are abroad (in total)||£700||£700||£700||£700||£700|
|Food in the event of a major incident while you are abroad (per 24 hours)||£30||£30||£30||£30||£30|
|Food in the event of a major incident while you are abroad (in total)||£210||£210||£210||£210||£210|
|Baby essentials Food in the event of a major incident while you are abroad||£150||£150||£150||£150||£150|
|Excess Waiver||Optional||Optional||Optional||No Cover||No Cover|
Holidaysafe Cover Limits (Annual, Multi-Trip)
|Standard||Premier||Premier Plus||Premier Platinum|
|Get a Quote||Get a Quote||Get a Quote||Get a Quote|
|Days per trip||31||31||45 (60 Days Per Trip Extension Is Available)||45 (60 Days Per Trip Extension Is Available)|
|If you are unable to go on your trip||£1,500||£5,000||£7,500||£7,500|
|If your end supplier fails financially before you leave home||No Cover||£3,000||£3,000||£3,000|
|If you are delayed (per 12 hours)||£10||£30||£30||£35|
|If you are delayed (maximum)||£150||£300||£300||£350|
|If you miss your departure or onward connection||£500||£1,000||£1,000||£1,000|
|If you decide to abandon your travel plans||£1,500||£5,000||£7,500||£7,500|
|If your end supplier fails financially while you are away||No Cover||£3,000||£3,000||£3,000|
|Return transportation to home country||No Cover||£3,000||£3,000||£3,000|
|If you need emergency medical treatment abroad||£5,000,000||£10,000,000||£10,000,000||£10,000,000|
|If you need to be brought home||£100,000||£100,000||£100,000||£100,000|
|If you are buried or cremated abroad||£2,000||£5,000||£5,000||£5,000|
|If you are in a hospital (per 24 hours)||£20||£20||£30||£50|
|If you are in a hospital (maximum)||£400||£400||£1,000||£1,000|
|If you are ill or injured in your home country||£1,500||£1,500||£1,500||£1,500|
|Another person to stay with you||£1,000||£1,000||£1,000||£1,000|
|Return body/ashes back home||£1,000||£1,000||£1,000||£1,000|
|If you have to cut your trip short||£1,500||£5,000||£7,500||£7,500|
|If your checked-in baggage is delayed||£100||£150||£150||£150|
|If your valuables are lost, stolen or accidentally damaged||£1,000||£1,000||£1,000||£1,000|
|Single article limit/ pair or set||£250||£250||£250||£250|
|If your gadgets are lost, stolen or accidentally damaged £1,000 £2,000 £2,000 £2,000|
|Unauthorised calls/data £1,000 £1,000 £1,000 £1,000|
|If your other possessions are lost, stolen or accidentally damaged £1,000 £2,000 £2,000 £2,000|
|Single article limit/ pair or set £250 £250 £250 £250|
|If your cash or event tickets are lost or stolen £250 £500 £500 £500|
|If you need emergency travel documents £100 £200 £200 £200|
|Travel and Accommodation to collect docs £100 £200 £200 £200|
|If you need legal advice £10,000 £50,000 £50,000 £100,000|
|If you are killed £5,000 £30,000 £30,000 £30,000|
|following an accident|
|If you lose your sight or lose use of limbs following an accident £2,500 £30,000 £30,000 £30,000|
|If you are disabled following an accident £2,500 £30,000 £30,000 £30,000|
|If you are held legally liable for injury or damage £1,000,000 £2,000,000 £2,000,000 £2,000,000|
|If a major incident occurs while you are away £1,000 £1,000 £1,000 £1,000|
|Additional accommodation in the event of a major incident while you are abroad (per 24 hours) £100 £100 £100 £100|
|Additional accommodation in the event of a major incident while you are abroad (in total) £700 £700 £700 £700|
|Food in the event of a major incident while you are abroad (per 24 hours) £30 £30 £30 £30|
Those heading off on a ski holiday can get the following levels of cover on Holidaysafe’s Winter Sports plans.
Cover Limits for Winter Sports Travel Insurance
|Cover||Express Single Trip||Standard Single Trip||Premier Single Trip||Standard Multi Trip||Premier Multi Trip|
|If you have to cancel your trip||No Cover Available||£3,000||£5,000||£3,000||£5,000|
|If your end supplier fails or force majeure occurs before you travel||Optional||Optional||£3,000||Optional||£3,000|
|If your departure is delayed per 12 hours||No Cover Available||£20||£30||£20||£30|
|Delayed departure total||No Cover Available||£200||£300||£200||£300|
|If you choose to cancel after a 24 hour delay||No Cover Available||£3,000||£5,000||£3,000||£5,000|
|If you miss your outbound departure||£500||£500||£1,000||£500||£1,000|
|If you miss your homeward departure||£500||£500||£1,000||£500||£1,000|
|If you need emergency medical attention||£10,000,000||£10,000,000||£10,000,000||£10,000,000||£10,000,000|
|Public hospital inconvenience benefit per day||£30||£30||£50||£30||£50|
|Public hospital inconvenience benefit total||£600||£600||£1,000||£600||£1,000|
|Emergency dental treatment||£100||£100||£200||£100||£200|
|Emergency physiotherapy treatment||No Cover Available||No Cover Available||£200||No Cover Available||£200|
|If you are unable to use your pre-paid Ski Pack per day||£25||£25||£50||£25||£50|
|If you are unable to use your pre-paid Ski Pack total||£250||£400||£500||£400||£500|
|If you need dental treatment on your return home||No Cover Available||No Cover Available||£200||No Cover Available||£200|
|If you need physiotherapy treatment on your return home||No Cover Available||No Cover Available||£500||No Cover Available||£500|
|If you have to come home early||No Cover Available||£3,000||£5,000||£3,000||£5,000|
|If your possessions are lost, stolen or damaged (total payable)||£1,500||£1,500||£2,000||£1,500||£2,000|
|Clothes and footwear||£1,500||£1,500||£2,000||£1,500||£2,000|
|Cosmetics and toiletries||£200||£200||£250||£200||£250|
|Watches and Jewellery||£300||£300||£500||£300||£500|
|If your possessions are delayed by 12 hours||No Cover Available||£100||£150||£100||£150|
|If your winter sports equipment is lost, stolen or damaged (total payable)||£750||£1,000||£2,000||£1,000||£2,000|
|If your winter sports equipment is delayed by 24 hours (per day)||£100||£100||£200||£100||£200|
|If your winter sports equipment is delayed by 24 hours (total)||£500||£500||£1,000||£500||£1,000|
|If your winter sports equipment is damaged whilst in use (to hire ski equipment – per day)||£100||£100||£200||£100||£200|
|If your winter sports equipment is damaged whilst in use (to hire ski equipment – total)||£500||£500||£1,000||£500||£1,000|
|If your hired winter sports equipment is lost, stolen or damaged (total payable)||£250||£250||£500||£250||£500|
|If your cash is lost or stolen||£250||£250||£500||£250||£500|
|If your passport is lost or stolen||£300||£300||£400||£300||£400|
|If your ski lift pass is lost or stolen||£250||£250||£500||£250||£500|
|If you are hijacked (benefit per 24 hours)||No Cover Available||£50||£100||£50||£100|
|Hijack benefit total||No Cover Available||£250||£500||£250||£500|
|If you are mugged (benefit per 24 hours)||No Cover Available||£50||£100||£50||£100|
|Mugging benefit total||No Cover Available||£250||£500||£250||£500|
|Accidental death benefit||£10,000||£10,000||£15,000||£10,000||£15,000|
|Permanent loss of sight or limb||£15,000||£15,000||£20,000||£15,000||£20,000|
|Permanent and total disablement||£15,000||£15,000||£20,000||£15,000||£20,000|
|If you need legal advice||£25,000||£25,000||£50,000||£25,000||£50,000|
|If you cannot return home – Either: Per 24 hours||No Cover Available||No Cover Available||£100||No Cover Available||£100|
|If you cannot return home – Either: Per 24 hours total payable||No Cover Available||No Cover Available||£1,500||No Cover Available||£1,500|
|Or: additional travel expenses||No Cover Available||No Cover Available||£1,000||No Cover Available||£1,000|
|If an avalanche occurs per day||£200||£200||£200||£200||£200|
|If an avalanche occurs total||£1,000||£1,000||£1,000||£1,000||£1,000|
|If there is no snow per day||£50||£50||£50||£50||£50|
|if there is no snow total||£200||£250||£350||£250||£350|
|Financial Failure and Force Majeure||Optional||Optional||£1,000||Optional||£1,000|
Golfers have one tier of cover on offer from Holidaysafe with the following cover limits.
Cover Limits for Golf Travel Insurance
|Cover||Golf Single Trip||Golf Plus Single Trip||Golf Multi Trip||Golf Plus Multi Trip|
|If you have to cancel your trip||£3,000||£5,000||£3,000||£5,000|
|If your departure is delayed per 12 hours||£20||£30||£20||£30|
|Delayed departure total||£200||£300||£200||£300|
|If you choose to cancel after a 24 hour delay||£3,000||£5,000||£3,000||£5,000|
|If you miss your outbound departure||£500||£500||£500||£500|
|If you miss your homeward departure||£500||£500||£500||£500|
|If you need emergency medical attention||£5,000,000||£10,000,000||£5,000,000||£10,000,000|
|Public hospital inconvenience benefit per day||£25||£50||£25||£50|
|Public hospital inconvenience benefit total||£500||£1,000||£500||£1,000|
|Emergency dental treatment||No Cover||£500||No Cover||£500|
|If you need physiotherapy treatment after you return home||No Cover||£500||No Cover||£500|
|If you have to come home early||£3,000||£5,000||£3,000||£5,000|
|If your possessions are lost, stolen or damaged (total payable)||£1,500||£2,000||£1,500||£2,000|
|Clothes and footwear||£1,500||£2,000||£1,500||£2,000|
|Cosmetics and toiletries||£100||£150||£100||£150|
|Watches and Jewellery||£300||£300||£300||£300|
|If your possessions are delayed by 12 hours||£100||£150||£100||£150|
|If your golfing equipment is lost, stolen or damaged||£1,500||£3,000||£1,500||£3,000|
|Golf GPS and rangefinders||£150||£250||£150||£250|
|If your golfing equipment is delayed by 24 hours||£250||£500||£250||£500|
|If your golfing equipment is delayed by 24 hours total||£500||£1,000||£500||£1,000|
|If you need to hire golfing equipment||£500||£1,000||£500||£1,000|
|If your hired golfing equipment is lost, stolen or damaged||£250||£500||£250||£500|
|If you are unable to use your pre-paid green fees||£250||£500||£250||£500|
|Hole in One||£75||£150||£75||£150|
|If your cash is lost or stolen||£250||£500||£250||£500|
|If your passport is lost or stolen||£300||£400||£300||£400|
|Accidental death and disability benefit||£10,000||£15,000||£10,000||£15,000|
|If you need legal advice||£10,000||£15,000||£10,000||£15,000|
|Financial Failure and Force Majeure||Optional||Optional||Optional||Optional|
Cover Limit for OPTIONAL Holidaysafe Gadget Extension
|Cover up to||Excess|
|Gadget & mobile phone||£500||£50|
Cover Limits for OPTIONAL Holidaysafe Cruise Extension
|Cover up to||Excess|
|Cabin confinement benefit||£50 per 24 hour period up to £300 in total||Nil|
|If you cannot use your pre-paid shore excursion||£500||Nil|
|If your cruise itinerary is changed||£100 per cancelled port up to £500 in total||Nil|
Cover Limit for OPTIONAL Holidaysafe Car & Home Excess Extension
|Cover up to||Excess|
|If you have to claim on your home or car insurance||£350||Nil|
Cover Limit for OPTIONAL Holidaysafe Financial Failure and Force Majeure Extension
|Cover up to||Excess|
|Financial failure / force majeure||£3,000||£100|
Cover Limits for OPTIONAL Holidaysafe Business Extension
|Cover up to||Excess|
|If your business equipment is lost, stolen or damaged (NB please refer to policy for item limits)||£2,000||£100|
|If your business money is lost or stolen||£500||£100|
|If your business samples are delayed by 12 hours||£500||Nil|
|If you are unable to continue your business trip||£1,000||Nil|
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 Holidaysafe Travel Insurance Compare to Competitors?
To better understand the value of Holidaysafe 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.
Holidaysafe Travel Insurance vs Direct Line Travel Insurance
Direct Line travel insurance plans are simple and easy to understand. They include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. While prices may be a bit higher, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage, however—you'll need to pay extra to cover your personal belongings as they're not included as standard.
Bottom Line: If you want simple plans that include End Supplier Failure or Natural Disasters, or if you book trips with miles, then Direct Line might be easier for you.
Holidaysafe Travel Insurance vs AXA Travel Insurance
AXA travel insurance offers solid cover for reasonable prices, providing 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.
Holidaysafe 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 to secure an online discount, AA offers 20% off to new customers.