Travelinsurance.co.uk Review: The Holiday Cover You Need?

Travelinsurance.co.uk Review: The Holiday Cover You Need?

Some of the cheapest holiday cover plans, especially for Gadget cover.

Good for

  • Low premiums, especially from comparison sites
  • Can buy extra Gadget cover to protect your mobile phone

Bad for

  • High excess on plans from comparison sites
  • No baggage delay or travel disruption option from comparison sites

Editor's Rating

3.5/5.0

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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Travelinsurance.co.uk is a popular travel insurer, with comprehensive cover that includes the standard Baggage, Emergency Medical and Cancellation on all plans. Read our review to learn about features and prices of Travelinsurance.co.uk travel insurance—plus we'll explain the main differences between buying direct from the Travelinsurance.co.uk site versus buying through a comparison site like Compare Cover, to help you decide where to buy.

Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Travelinsurance.co.uk Travel Insurance Review: What You Need to Know

Travelinsurance.co.uk is a popular UK travel insurance provider, offering a range of plans to suit a variety of budgets, from those looking to cover a cheap-and-cheerful holiday up to those insuring more valuable holidays worth up to £5,000 per person.

There are broadly two ways to buy a Travelinsurance.co.uk plan—direct from their website or from a comparison site like Compare Cover. Basically, the plans offered from comparison sites are cheaper and provide lower cover limits—that said, the best plan available from comparison sites ("Economy") offers higher limits across some categories than the cheapest plan available direct ("Bronze"), despite a lower price (e.g., Economy offers £1,250 of Cancellation cover per insured person, but the Bronze plan only provides £1,000 of the same). The plan with the highest cover (£5k Cancellation and £2,000 of Baggage) is the Gold plan, only available direct.

For the most part, those needing £2k to £5k of Cancellation cover or £2,000 of Baggage cover per person will find more suitable plans direct from Travelinsurance.co.uk. Those who don't need that much cover can probably find a cheaper deal from a comparison site like Compare Cover.

Are Mobile Phones Covered? Mobile phones are covered on all plans through Gadget Cover BUT the limits are quite low—£100 to £400, depending on the plan. Luckily, you're able to buy extended Gadget cover for either £1,000 or £2,000 (with per item limits of £500 and £1,000, respectively) for the following prices:

Add-On Gadget Cover LimitPer Item LimitSingle Trip Add-on CostAnnual, Multi-trip Add-on Cost
£1,000£500£5.90£9.50
£2,000£1,000£10.70£17.20

Keep in mind that the average cost of optional Gadget travel cover is around £35 for Annual, Multi-trip policies and £13.50 for Single Trip policies, providing around £1,500 of total gadget cover per policy on average. To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover.

Does Travelinsurance.co.uk Travel Insurance Cover Trips in the UK? Holidays in your home area are covered under Travelinsurance.co.uk policies, so long as there is a minimum of 25 miles radius between your home and your pre-arranged and booked accommodation (except that Medical/Hospital Benefit are not covered).

Pre-Existing Conditions: As part of the online application you'll be asked a series of brief medical questions. If you have a medical condition, Travelinsurance.co.uk may be able to offer cover for some pre-existing medical conditions, for which you'll probably be required to pay a higher premium. Pre-existing conditions are only covered if they've been fully declared, accepted and paid for. If you have pre-existing conditions to declare you will NOT be able to buy the Bronze plan direct from the Travelinsurance.co.uk website.

Buying Direct vs Using a Comparison Site

Generally speaking, the cheapest Travelinsurance.co.uk plans are available through comparison sites; whereas plans with higher cover levels are available direct from the Travelinsurance.co.uk website. Beyond that, there are pros and cons to both sources in terms of features and price points. We'll try to explain some of the differences to help you understand whether buying direct or through an aggregator comparison site better suits your individual needs.

Buying Travelinsurance.co.uk Direct

Buying direct gives you access to a few features not available on plans bought through comparison sites. For example, for an extra cost you can add travel insurance add-ons cruise, golf and/or travel disaster cover to plans bought direct.

Over 65s: There is an upper age limit of 75 on Travelinsurance.co.uk direct policies; additionally maximum trip lengths are shorter for those aged 66 or older.

Buying Travelinsurance.co.uk via Comparison Site

If you're after a budget travel insurance plan, the cheapest holiday cover from Travelinsurance.co.uk can be found at a comparison site like Compare Cover. In fact, all three comparison site plans (Super Saver, Saver and Economy) come out cheaper than any direct plan. Depending on details like geographic cover and limits, you can save 60% to 70% or more buying any of the comparison site plans instead of buying Travelinsurance.co.uk direct's low-tier Bronze plan.

Compare Cheap Travel Insurance

Protect your holiday today. Quick quotes from over 45 insurers.

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However, there is no baggage delay cover on plans bought through the comparison site; nor is there Travel Disruption cover (which can be bought as an add on for around £9 for annual, multi-trip policies or £6.35 for single trips). In addition, the excess is quite a bit higher on comparison site plans (£250) versus direct plans (£100, £60 or £50 for Bronze, Silver and Gold, respectively).

Over 65s: There is an upper age limit of 45 on Travelinsurance.co.uk policies bought from a comparison site. Those over the age of 45 may be able to find more suitable budget holiday cover from another provider at Compare Cover.

Bottom Line: If you're under the age of 45 and looking for a budget plan, Compare Cover offers three different Travelinsurance.co.uk holiday cover plans with prices ranging from £4.65 up to £15.99 (for a healthy, 35-year-old, individual traveller), depending on geography and level of cover (Cancellation from £500 to £1,250). Those over the age of 45 and/or those looking to insure more valuable holidays worth up to £5k might find more suitable limits buying direct from Travelinsurance.co.uk, but prices may be 2X to 3X higher for the added cover.

How do Travelinsurance.co.uk Prices Compare

Generally speaking, holiday cover from Travelinsurance.co.uk is significantly lower than the average cost of travel insurance—especially when buying from a comparison site. That said, please be aware that the £250 excess on claims such as Medical, Baggage and Trip Cancellation is quite high for plans purchased from the comparison site plans. If you're after a low price from a comparison site, you may also want to read about Coverwise plans, which seem to offer higher cover for Cancellation and Baggage with lower excess amounts (and similar prices).

Regardless of whether you're travelling to geographies like Europe or America, it seems that Travelinsurance.co.uk offers attractive deals, especially with their Economy, Economy Plus and Premium plans from comparison sites. Just beware of the lower cover limits and higher excess amounts on these plans.

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 prices of Virgin Money travel insurance plans compared to the market average

Types of Travelinsurance.co.uk Travel Insurance Policies

Direct from their website, Travelinsurance.co.uk offers three tiers of travel insurance—Bronze, Silver and Gold. From comparison sites they offer three different plans, which provide lower levels of cover—Super Saver, Saver and Economy. All are available for Single Trips or as Annual, Multi-Trip policies.

There is no upper age limit of 75 on direct annual, multi-trip policies, plus those over the age of 65 at the time of purchase/renewal are limited to trips of 31 days or less; policies purchased via a comparison site have an upper age limit of 45.

Trip Lengths on Annual, Multi-Trip Policies

Policy TypeMax Trip LengthMax Trip Length (aged 66+)Winter Sports Cover
From Comparison Site (e.g., Compare Cover)
Upper age limit is 45 years
Super Saver31 daysn/a10 days
Saver45 daysn/a17 days
Economy90 daysn/a24 days
Direct from Travelinsurance.co.uk
Upper age limit is 75 years
Bronze31 days31 days10 days
Silver45 days31 days17 days
Gold90 days31 days24 days

Travelinsurance.co.uk Cover Limits and Excess Amounts

Limit per insured person (£)BronzeSilverGoldSuper SaverSaverEconomy
Available From Where?DirectCompare Cover

Medical and repatriation expenses
5,000,00010,000,00015,000,00015,000,00015,000,000Unlimited
Cancellation and trip cut short1,0003,0005,0005001,0001,250
Excess1006050250250250
Personal belongings and baggage1,5001,5002,0005007501,000
Baggage delay£25/12 hours for purchases up to £50£50/12 hours for purchases up to £100£100/12 hours for purchases up to £200n/an/an/a
Personal money200500500250250400
Delayed departure100300400n/a£10 for the first 12 hours, £10 for all other 12 hours up to £200£20 for the first 12 hours, £10 for all other 12 hours up to £300
Missed departuren/a5001,000n/a250500
Scheduled Airline Failure1,0001,0001,000n/an/a1,000
Supplier insolvencyn/an/a1500n/an/an/a
Travel abandonment1,0003,0005,0005001,0001,250
Legal expenses10,00015,00050,000n/an/an/a
Personal accident up to10,00020,00050,000n/a1000015000
Personal liability1,000,0002,000,0002,000,0001,000,0001,500,0002,000,000
Hospital benefit1001,0001,500n/an/a£20 for every 24 hours
Accommodation cover2501,0001,000n/an/an/a
Hijackn/a500500n/an/an/a
Pet caren/a200500n/an/an/a

Gadget Optional Add-on

CoverExcess
OPTION 1: Gadget & Valuables extended coverUp to £1,000£50 (£75 for loss)
Single article, pair or set limit£500
Unauthorised usage£500
OPTION 2: Gadget & Valuables extended coverUp to £2,000£50 (£75 for loss)
Single article, pair or set limit£1,000
Unauthorised usage£1,000

Winter Sports Optional Add-on

Winter Sports Option Cover LimitsSuper Saver, Saver and EconomyBronzeSilverGold
Winter sports equipment (owned)£300£200£500£1,000
Single article, pair or set limit£200£100£250£500
Hired total£200£100£250£500
Ski hire£15 per day up to £150£10 per day up to £100£20 per day up to £200£50 per day up to £500
Ski pack£50 per day up to £250£50 per day up to £200£75 per day up to £300£75 per day up to £450
Piste closure£15 per day up to £150£10 per day up to £100£20 per day up to £200£40 per day up to £400
Avalanche cover£200£150£250£500

Other Useful Information: Policy Wording

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.