Holidaysafe Travel Insurance Review: The Specialist Travel Insurance for You?

Holidaysafe Travel Insurance Review: The Specialist Travel Insurance for You?

Solid value from a specialist travel insurer.

Good for

  • Customizing travel cover to your individual needs
  • Insuring long trips
  • Covering Financial Failure
  • Including Personal Belongings/Baggage on all plans

Bad for

  • Buying very easy-to-understand, all-in insurance
  • Cover for unused frequent flier miles

Editor's Rating

4.0/5.0

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.

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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

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:

  • Sailing
  • Motorcycling
  • Cycling
  • Scuba
  • Golf
  • Marathon
  • 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.

chart showing travel insurance premiums by age for older travellers
How much do premiums rise with age?

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

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.

chart showing Holidaysafe multi-trip travel insurance prices compared to market averages
Holidaysafe Multi-Trip Travel Insurance Prices for a 30-Year-Old Individual vs. the Market
chart showing Holidaysafe single-trip travel insurance prices compared to market averages
Holidaysafe Single Trip Travel Insurance Prices for a 30-Year-Old Individual vs. the Market

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 CoverPlan NamePremium for a Family of FourPremium for a Family of Four, Including Winter Sports
Multi-TripEuropeStandard£41£56
Premier£51£78
Premier Plus£89n/a
Premier Platinum£129n/a
Worldwide excl. USA, Canada & CaribbeanStandard£66£90
Premier£82£126
Premier Plus£141n/a
Premier Platinum£203n/a
WorldwideStandard£69£95
Premier£86£133
Premier Plus£148n/a
Premier Platinum£213n/a
AustralasiaStandard£66£90
Premier£82£126
Premier Plus£141n/a
Premier Platinum£203n/a
Single TripEuropeLast Minute£13£28
Standard£15£37
Premier£20£58
Premier Plus£22n/a
Worldwide excl. USA, Canada & CaribbeanLast Minute£30£60
Standard£35£79
Premier£42£122
Premier Plus£48n/a
WorldwideLast Minute£32£64
Standard£38£85
Premier£45£131
Premier Plus£52n/a
AustralasiaLast Minute£25£50
Standard£29£67
Premier£35£102
Premier Plus£40n/a

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 CoverPlan NameAll-In Premium including Winter SportsImplied Cost of Winter Sports Add-On
Multi-TripEuropeLite Winter£14£14
Standard Multi£28£8
Premier Multi£39£14
Worldwide excl. USA, Canada & CaribbeanLite Winter£30£30
Standard£45£12
Premier£63£22
WorldwideLite Winter£30£30
Standard£48£13
Premier£67£23
AustralasiaLite Winter£30£30
Standard£45£12
Premier£63£22
Single TripEuropeLast Minute£14£7
Standard£19£11
Premier£29£19
Worldwide excl. USA, Canada & CaribbeanLast Minute£30£15
Standard£40£22
Premier£61£40
WorldwideLast Minute£32£16
Standard£43£24
Premier£65£43
AustralasiaLast Minute£25£13
Standard£33£19
Premier£51£33
chart showing Sample premiums for Holidaysafe Lite Winter Sports Multi-Trip policies, by age, geography and for families
Sample premiums for Holidaysafe Lite Winter Sports Multi-Trip policies, by age, geography and for families

Notable Features

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 CancellationCover 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 DepartureCover 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/BaggagePossessions 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.
CruiseOPTIONAL cover includes Cabin Confinement, unused pre-paid Shore Excursions and Cruise Itinerary change
WeddingNICHE cover for lost, stolen or damaged wedding rings, gifts, attire and photographs; also cover if the wedding photographer cannot fulfil their duties
Winter SportsNICHE cover available for trips involving skiing, snowboarding and/or ice skating; can be purchased as Single Trip or Multi-Trip policies
GolfNICHE cover available for Golf trips as Single or Multi-Trip policies
Gadget ExtensionOPTIONAL 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 MajeureOPTIONAL 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
ScubaOPTIONAL 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)

CoverLast minuteStandardPremierPremier PlusPremier Platinum
Policy excess£100£100£60£0£0
If you have to cancel your tripNo Cover Available£1,500£5,000£7,500£7,500
If your end supplier fails or force majeure occurs before you trave lOptionalOptional£3,000£3,000£3,000
If your departure is delayed per 12 hours£20£10£30£30£35
Delayed departure total£300£150£300£300£350
If you choose to cancel after a 24 hour delayNo Cover Available£1,500£5,000£7,500£7,500
If you miss your outbound departure£500£500£750£750£1,000
If you miss your homeward departure£500£500£750£750£1,000
If you need emergency medical attention£10,000,000£5,000,000£10,000,000£10,000,000£10,000,000
Public hospital inconvenience benefit per day£20£20£20£30£50
Public hospital inconvenience benefit total£400£400£400£1,000£1,000
Emergency dental treatment£100£100£100£100£100
If you have to come home earlyNo Cover Available£1,500£5,000£7,500£7,500
If your possessions are lost, stolen or damaged (total payable)£2,000£1,000£2,000£3,000£3,000
Clothes and footwear£2,000£1,000£2,000£3,000£3,000
Cosmetics and toiletries£200£200£200£200£250
Luggage£150£150£150£150£250
Watches and Jewellery£300£300£400£400£400
Eyewear£150£150£150£150£150
Electrical items£300£300£400£400£400
If your possessions are delayed by 12 hoursNo Cover Available£100£100£250£250
If your cash is lost or stolen£250£250£500£500£500
If your passport is lost or stolen£300£100£300£300£500
If you are hijacked (benefit per 24 hours)£100No Cover Available£100£100£100
Hijack benefit total£500No Cover Available£500£1,000£1,000
If you are mugged (benefit per 24 hours)£100No Cover Available£100£100£100
Mugging benefit total£500No Cover Available£500£1,000£1,000
Personal liability£2,000,000£1,000,000£2,000,000£2,000,000£2,000,000
Accidental death benefit£15,000£5,000£20,000£25,000£30,000
Permanent loss of sight or limb£15,000£5,000£20,000£25,000£30,000
Permanent and total disablement£15,000£5,000£20,000£25,000£30,000
If you need legal advice£50,000£10,000£50,000£100,000£100,000
If your return is delayed due to air rageNo Cover AvailableNo Cover AvailableNo Cover AvailableNo Cover Available£1,000
If your pet is taken ill per dayNo Cover AvailableNo Cover AvailableNo Cover AvailableNo Cover Available£25
If your pet is taken ill totalNo Cover AvailableNo Cover AvailableNo Cover AvailableNo Cover Available£300
Activity extensionOptionalOptionalOptionalOptionalOptional
Cruise CoverOptionalOptionalOptionalOptionalOptional
Excess WaiverOptionalOptionalOptionalNo Cover AvailableNo Cover Available
Financial Failure and Force MajeureOptionalOptional£1,000£1,000£1,000
Gadget CoverOptionalOptionalOptionalOptional£1,000

Holidaysafe Cover Limits (Annual, Multi-Trip)


Cover
StandardPremierPremier PlusPremier Platinum

Days per trip
31 days31 days45 days45 days

Policy excess
£100£60£0£0

If you have to cancel your trip
£1,500£5,000£7,500£7,500

If your end supplier fails or force majeure occurs before you travel
Optional£3,000£3,000£3,000

If your departure is delayed per 12 hours
£10£30£30£35

Delayed departure total
£150£300£300£350

If you choose to cancel after a 24 hour delay
£1,500£5,000£7,500£7,500

If you miss your outbound departure
£500£750£750£1,000

If you miss your homeward departure
£500£750£750£1,000

If you need emergency medical attention
£5,000,000£10,000,000£10,000,000£10,000,000

Public hospital inconvenience benefit per day
£20£20£30£50

Public hospital inconvenience benefit total
£400£400£1,000£1,000

Emergency dental treatment
£100£100£100£100

If you have to come home early
£1,500£5,000£7,500£7,500

If your possessions are lost, stolen or damaged (total payable)
£1,000£2,000£3,000£3,000

Clothes and footwear
£1,000£2,000£3,000£3,000

Cosmetics and toiletries
£200£200£200£250

Luggage
£150£150£150£250

Watches and Jewellery
£300£400£400£400

Eyewear
£150£150£150£150

Electrical items
£300£400£400£400

If your possessions are delayed by 12 hours
£100£100£250£250

If your cash is lost or stolen
£250£500£500£500

If your passport is lost or stolen
£100£300£300£500

If you are hijacked (benefit per 24 hours)
No Cover Available£100£100£100

Hijack benefit total
No Cover Available£500£1,000£1,000

If you are mugged (benefit per 24 hours)
No Cover Available£100£100£100

Mugging benefit total
No Cover Available£500£1,000£1,000

Personal liability
£1,000,000£2,000,000£2,000,000£2,000,000

Accidental death benefit
£5,000£20,000£25,000£30,000

Permanent loss of sight or limb
£5,000£20,000£25,000£30,000

Permanent and total disablement
£5,000£20,000£25,000£30,000

If you need legal advice
£10,000£50,000£100,000£100,000

If your return is delayed due to air rage
No Cover AvailableNo Cover AvailableNo Cover Available1000

If your pet is taken ill per day
No Cover AvailableNo Cover AvailableNo Cover Available25

If your pet is taken ill total
No Cover AvailableNo Cover AvailableNo Cover Available300

Activity extension
OptionalOptionalOptionalOptional

Cruise Cover
OptionalOptionalOptionalOptional

Excess Waiver
OptionalOptionalNo Cover AvailableNo Cover Available

Financial Failure and Force Majeure
Optional£1,000£1,000£1,000

Gadget Cover
OptionalOptionalOptional1000

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

CoverExpress Single TripStandard Single TripPremier Single TripStandard Multi TripPremier Multi Trip
Policy excess£100£100£75£100£75
If you have to cancel your tripNo Cover Available£3,000£5,000£3,000£5,000
If your end supplier fails or force majeure occurs before you travelOptionalOptional£3,000Optional£3,000
If your departure is delayed per 12 hoursNo Cover Available£20£30£20£30
Delayed departure totalNo Cover Available£200£300£200£300
If you choose to cancel after a 24 hour delayNo 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 treatmentNo Cover AvailableNo Cover Available£200No 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 homeNo Cover AvailableNo Cover Available£200No Cover Available£200
If you need physiotherapy treatment on your return homeNo Cover AvailableNo Cover Available£500No Cover Available£500
If you have to come home earlyNo 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
Luggage£150£150£250£150£250
Watches and Jewellery£300£300£500£300£500
Eyewear£150£150£150£150£150
Electrical items£300£300£300£300£300
If your possessions are delayed by 12 hoursNo 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
Helmets£125£175£300£175£200
Skis£500£750£1,200£750£1,200
Snowboard£500£750£1,200£750£1,200
Bindings£125£125£250£125£250
Poles£50£50£100£50£100
Gloves£75£75£150£75£150
Boots£250£250£500£250£500
Goggles£75£75£150£75£150
Ski Clothing£500£750£1,200£750£1,200
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 totalNo Cover Available£250£500£250£500
If you are mugged (benefit per 24 hours)No Cover Available£50£100£50£100
Mugging benefit totalNo Cover Available£250£500£250£500
Personal liability£1,000,000£1,000,000£2,000,000£1,000,000£2,000,000
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 hoursNo Cover AvailableNo Cover Available£100No Cover Available£100
If you cannot return home – Either: Per 24 hours total payableNo Cover AvailableNo Cover Available£1,500No Cover Available£1,500
Or: additional travel expensesNo Cover AvailableNo Cover Available£1,000No 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
Excess WaiverOptionalOptionalOptionalOptionalOptional
Financial Failure and Force MajeureOptionalOptional£1,000Optional£1,000
Gadget CoverOptionalOptionalOptionalOptionalOptional
Activity extensionOptionalOptionalOptionalOptionalOptional

Golfers have one tier of cover on offer from Holidaysafe with the following cover limits.

Cover Limits for Golf Travel Insurance

CoverGolf Single TripGolf Plus Single TripGolf Multi TripGolf Plus Multi Trip
Policy excess£100£75£100£75
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 treatmentNo Cover£500No Cover£500
If you need physiotherapy treatment after you return homeNo Cover£500No 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
Luggage£150£250£150£250
Watches and Jewellery£300£300£300£300
Eyewear£150£150£150£150
Electrical items£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 clubs£1,000£2,000£1,000£2,000
Golf bag£150£250£150£250
Waterproof clothing£125£125£125£125
Golf shoes£75£150£75£150
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
Personal liability£1,000,000£2,000,000£1,000,000£2,000,000
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
Activity extensionOptionalOptionalOptionalOptional
Cruise CoverOptionalOptionalOptionalOptional
Financial Failure and Force MajeureOptionalOptionalOptionalOptional
Gadget CoverOptionalOptionalOptionalOptional

Cover Limit for OPTIONAL Holidaysafe Gadget Extension

Cover up toExcess
Gadget & mobile phone£500£50

Cover Limits for OPTIONAL Holidaysafe Cruise Extension

Cover up toExcess
Cabin confinement benefit£50 per 24 hour period up to £300 in totalNil
If you cannot use your pre-paid shore excursion£500Nil
If your cruise itinerary is changed£100 per cancelled port up to £500 in totalNil

Cover Limit for OPTIONAL Holidaysafe Car & Home Excess Extension

Cover up toExcess
If you have to claim on your home or car insurance£350Nil

Cover Limit for OPTIONAL Holidaysafe Financial Failure and Force Majeure Extension

Cover up toExcess
Financial failure / force majeure£3,000£100

Cover Limits for OPTIONAL Holidaysafe Business Extension

Cover up toExcess
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£500Nil
If you are unable to continue your business trip£1,000Nil

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.

Customer Reviews for Holidaysafe Travel Insurance

According to a whopping 8,000+ reviews on Trustpilot, Holidaysafe travel insurance is rated 9.1 out of 10 by its customers. Many comments include note of the easy-to-use website, good prices and reliable payment for claimable incidents.

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.

Other Useful Information

Comments and Questions

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.