Coronavirus update (May 2020): You can still buy a new travel insurance policy from Just Travel. Some of Just Travel's insurers will provide new cover for emergency medical expenses and repatriation if you catch COVID-19 when on holiday (assuming you haven't travelled against FCO advice), but there will be no cancellation cover related to coronavirus on any new policies. Click here for the latest information.
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Just Travel Cover is a solid choice for travellers over the age of 65 with pre-existing medical conditions. They scored excellent marks across a host of customer review sites, have no upper age limit, allow longer-than-average trips and cover most pre-existing medical conditions including asthma, arthritis, diabetes, heart conditions, cancer, and even a terminal prognosis.
In This Review
- JustTravelcover.com Travel Insurance Overall Review
- JustTravelcover.com Travel Insurance Policy Limits and Coverage Options
- How does JustTravelcover.com Compare to Competitors?
- JustTravelcover.com Policy Wording and Claims
Just Travel Cover Insurance Review: What You Need to Know
As a specialist travel insurance broker, JustTravelcover.com provides cover via a panel of different partners, including Infinity, Unity and Holiday Angel, enabling those over 65 with pre-existing medical conditions to find a good plan to suit their needs. Additionally, they offer Holiday Angel plans via Compare Cover's comparison panel, for those who want to check prices across dozens of plans at one time.
Just Travel Cover customers should expect a quick and easy application process with online medical screening and an instant quote system for those with medical conditions to declare. Be sure to travel with your EHIC card where applicable, as you won't need to pay the medical excess if your claim was reduced due to you using an EHIC or private medical insurance.
Customer reviews are generally positive, with 95% of customers recommending Just Travel Cover on Reviews.io. Their policies have a wide range of Defaqto ratings, however, depending on the underwriter and the plan name.
|Just Travel Insurance Ratings|
|Reviews.io||4.64 stars out of 5|
|Trustpilot||4.4 stars out of 5|
|Defaqto||Ranges form 1 star to 5 stars, depending on underwriter and plan|
Bottom Line: Through its network of underwriters, Just Travel can provide cover for most pre-existing medical conditions at a competitive price. As policy details can vary depending on the underwriter, be sure to read through the policy details before you buy.
How do Just Travel Cover Prices Compare?
As a broker, Just Travel can provide a wide range of policy coverages and prices, to suit various needs. To get a feel of how Just Travel's prices compare to competitors, we gathered prices for a 65-year-old holidaymaker going on a 2-week trip with various common medical conditions from Compare Cover.
As you can see below, travel insurance to Europe is much cheaper than cover for North America, due to the EHIC providing access to free or reduced-cost health care for Brits whilst on the continent. And JustTravelcover.com generally offers competitive rates compared to some other pre-existing condition specialists, such as Fit2Travel and Free Spirit.
However there were inconsistencies. For example, in our test, Just Travel wouldn't offer cover for anxiety and depression (on medication) going to Europe, but offered the best rates for the same condition for travel in North America.
|Health Condition||Geographic Area||Fit2Travel||Free Spirit||JustTravelcover.com|
|High Blood Pressure & Cholesterol||Europe||£36||£54||£29|
|Anxiety & Depression||Europe||£36||£54||n/a|
|Aneurysm & Stent||Europe||£90||£98||£49|
Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.
Just Travel Cover Insurance Cover Plans & Limits
JustTravelcover.com technically offers three tiers of cover—Bronze, Silver and Gold—however the coverage amounts may vary depending on the underwriter. Below we illustrate the coverage amounts for plans with their partner Holiday Angel, available from Compare Cover.
Just Travel Cover (Holiday Angel from Compare Cover)
|End Supplier Failure||n/a||n/a||£1,500|
|Emergency Medical and Other Expenses||£5,000,000||£10,000,000||£10,000,000|
|Dental Expenses (outside the UK)||n/a||£300||£400|
|Catastrophe||n/a||£50 per 24 hours up to £500||£50 per 24 hours up to £750|
|Cancellation of trip following Terrorist attack||n/a||n/a||£2,500 per person/£10,000 per policy|
|Funeral costs abroad||£1,500||£1,500||£1,500|
To illustrate how much coverage varies by underwriter, consider that some Gold policies bought directly from them include up to £12,000 of cancellation cover.
How does Just Travel Cover Compare to Competitors?
To better understand the value of Just Travel Cover 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.
Just Travel Cover Insurance vs Fit2Travel Travel Insurance
Fit2Travel is another travel insurer specializing in offering cover to those with pre-existing medical conditions. Plans are typically quite economical relative to others in the market for the level of cover, but you don't get aftercare cover post hospitalization once you return home to the UK.
Bottom Line: If you're looking for a low rate on travel insurance for medical conditions, both of these companies are likely to provide competitive prices.
Just Travel Cover Insurance vs goodtogoinsurance.com Travel Insurance
Another medical-specialist for those travelling with health issues, goodtogoinsurance.com offers a host of optional extras like 24/7 Virtual Doctor to speak with a UK doctor for advice whilst abroad and Gadget cover. All plans include financial failure and repatriation, plus home help and a recuperation holiday post emergency surgery abroad if you stayed in hospital for 5 days.
Bottom Line: goodtogoinsurance.com stands out for the optional 24/7 Virtual Doctor and recuperation trips. But if price is a priority, Just Travel is likely to offer cheaper rates.
Other Useful Information
As JustTravelcover.com is a broker, the claim instructions will vary depending on the underwriter of your policy. You'll find full details of how to claim inside your policy wording. If you need assistance whilst away, call the 24-hour emergency assistance number which you'll also find in your policy wording. Always take this number and the policy wording with you, because if you need medical treatment you may need to call the emergency support line before receiving medical treatment to have your treatment authorised.