Compare Cheap Travel Insurance
Protect your holiday today. Quick quotes from over 50 insurers.
Is Zurich travel insurance any good—and should you get a quote from a comparison site or direct from them? Read our review to learn more and to find out about the features they offer and what's missing.
- Zurich Overall Review
- Zurich Policy Limits and Coverage Options
- Comparing Zurich to the Competition
- Zurich Policy Wording
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 understand the nuances of various plans to help you narrow down your options.
Zurich Travel Insurance Review: What You Need to Know
Zurich offers a pretty solid set of travel insurance options, with Emergency Medical, Baggage and Cancellation are included on all plans, and mid- and top-tier plans also include some cover for Travel Delay and Scheduled Airline Failure.
You can buy low-, mid- and top-tier plans both direct from their website and from some comparison sites. Prices and some cover limits are generally lower when you buy through the comparison site, as discussed in more detail below in the sections on Price Comparison and Where to Buy. All plans offer £10 million of Emergency Medical cover; here's a quick overview of how their plans compare at a high level:
on_current="true" align="left right right right" Key Benefits (up to) | Basic| Standard | Extra | Essentials| Enhanced | Ultimate _ Available From Where?|Direct|<<<|<<<|Comparison site|<<<|<<< _ Loss, theft or damage to baggage | £1,000 | £1,500 | £2,500 | £1,000 | £1,500 | £2,500 _ Cancellation and cutting short a trip | £1,000 | £5,000 | £7,500 | £1,000 | £3,000 | £5,000 _ Defaqto rating| 2 stars | 4 stars | 5 stars | 1 star | 4 stars | 5 stars
We think the comparison site's "Ultimate" offers the most interesting mix of cover levels, excess and price, for those who need around £5k of Cancellation Cover and £2.5k of Baggage (Emergency Medical is the same across all plans). Ultimate provides higher cover levels for Baggage, Travel Delay and Missed Departure than the "Standard" plan you can buy direct, but for 20% less premium on Annual, Multi-Trip policies (or 6% less on Single Trips). Details of cover limits can be found in the policies section.
Depending on your needs, one potential flaw we see with Zurich travel cover is the lack of extra/extended Gadget cover. Items like mobile phones, iPhones, etc. are only protected through standard Valuables cover. This may not be enough for you.
Gadget cover: If you want higher limits to protect your mobile phones, laptop, iPad, etc., you many want to consider a travel insurance plan that offers the ability to pay for additional Gadget cover, such as Admiral for £1,000 of total gadget cover, Travelinsurance.co.uk for £1,000 or £2,000 of total gadget cover or CoverForYou for £1,000, £2,000 or £3,000 of total gadget cover—quotes for these policies can be found through the blue "Get Quotes" button above.
|How Much Cover for Gadgets from Zurich?||Low Tier||Mid Tier||Top Tier|
|Plans Direct from Zurich:||"Essentials"||"Enhanced"||"Ultimate"|
|Single article limit||£150||£250||£350|
|Plans from Compare Cover comparison site:||"Basic"||"Standard"||"Extra"|
|Single article limit||£150||£200||£250|
How do Zurich Travel Insurance Prices Compare
According to our data analysis, Zurich is not a "budget" brand so their prices will not be the cheapest in the market. However their policies offer some attractive features for the price and can be considered to be in line with the average cost of travel insurance for the cover.
Policies bought from a comparison site generally cost less than those bought direct—but there are coverage differences to keep in mind, as discussed in the following section. This holds true whether your travel plans will take to you Europe, America or elsewhere.
Cost of Zurich Travel Insurance with Winter Sports
You can add Winter Sports cover to the Standard and Extra plans when you buy direct, but it's not available as an add on to plans bought on a comparison site. The Winter Sports add on will cost roughly an additional £40 - £70 when added to a plan with worldwide cover or £15 - £30 when added to a Europe-only policy.
Cost of Zurich Travel Insurance with Cruise
Cruise cover can be added to all but the lowest tier policies (Essential and Basic) for an additional cost in the region of £13 - £20 for annual policies and £11 - £17 for single trip policies.
Where to Buy: Direct vs Comparison Site
Generally speaking, buying from a comparison site it cheaper but you may get less coverage than buying direct. Read more about the differences here.
The cheapest Zurich holiday cover plans are available through comparison sites (e.g., as little as £25 for Worldwide, Annual, Multi-Trip cover with £10,000,000 Emergency Medical, £1,000 Cancellation and £1,000 Baggage), whereas the plan with the highest cover is available direct from the Zurich website (e.g., £116 for Worldwide, Annual, Multi-Trip cover with £10,000,000 Emergency Medical, £7,500 Cancellation and £2,500 Baggage).
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 decide whether buying direct or through an aggregator comparison site better suits your particular needs. Below, you'll find a table detailing the differences in Standard excess, upper age limits and maximum trip lengths. You'll notice that these details are generally more favourable on plans bought direct rather than from a comparison site—depending on your needs and situation, these details may or may not be worth the added cost of buying direct to you.
Standard Excess: How Much You'll Pay Towards Most Claims
The excess is typically higher on comparison sites (£50 to £145) than on policies bought direct (£50 to £100):
|Zurich Travel Insurance Excess||Basic||Standard||Extra||Essentials||Enhanced||Ultimate|
|Available From Where?||Direct||Comparison Site|
Trip duration: Maximum Number of Days each Trip
The maximum trip length is longer on annual policies bought direct than from a comparison site. Also, the upper age limits are higher on direct policies. As a result, older travellers in particular might be better off buying direct. Take a look at the trip lengths allowed, at the age cutoffs, in the table below to see which suits your individual situation and travel plans.
|Zurich Travel Insurance Trip Lengths||Basic||Standard||Extra||Essentials||Enhanced||Ultimate|
|Available From Where?||Direct||Comparison Site|
|Up to age 70||90||90||90||Up to age 60||90||90||90|
|Age 71 and over||31||31||31||Up to age 65||31||31||31|
|Up to age 70||45||45||62||Up to age 59||31||31||45|
|Age 71 and over||31||31||31|
|Winter sport optional cover||n/a||22||31||n/a||22||31|
Differences between Direct and Comparison Site Policies
Broadly speaking, the three tiers of travel insurance plans bought directly from Zurich are similar in many ways to the three tiers you can buy through a comparison site —but in some categories the limits are higher when you buy direct. If you're interested in the finer details, look through the policies section below. As a trade off, the prices are a bit lower when you buy Zurich travel cover through a comparison site.
Buying Zurich Travel Insurance Direct
Buying direct, you'll get slightly higher cover for Cancellation, Personal Accident, Scheduled Airline Failure, etc. than going through a comparison site, for otherwise similar plans that offer the same limits for Emergency Medical, Baggage and Missed Connection cover.
In addition, for an extra cost you can add travel insurance add-ons like winter sports, golf, cruise or business cover to plans bought direct. These add ons are not always available from comparison sites.
There are higher age limits on direct plans—there is no upper age limit, although there is a shorter trip length of 31 days for those age 71 or older.
Buying Zurich Travel Insurance via Comparison Site
Generally speaking, the best deals on Zurich travel insurance can be found at a comparison site like Compare Cover.
In fact, Annual, Multi-Trip plans from the comparison ("Essentials", "Enhanced", "Ultimate") average 35% cheaper than the lowest-priced direct plan ("Basic")—less so for Single trips, however. If price is your priority, then buying from a comparison site will likely secure you the lowest premium on a Zurich travel plan.
Compare Cheap Travel Insurance
Protect your holiday today. Quick quotes from over 45 insurers.
Despite the comparison plans coming in at cheaper prices, they still include some level of cover for Baggage Delay, Abandoning your Trip, Scheduled Airline Failure and (except Essential plans) Missed Departure. However the excess is a bit higher on policies from the comparison site on all but the top-tier plans—meaning you have to pay a bit more should you need to claim.
Bottom Line: If you're looking for a budget plan, Zurich may be out of your budget. But check prices with a comparison site like our partner CompareCover to find out what kind of price you'll get. Those looking to insure more valuable holidays worth up to £7,500 might find a more suitable policy buying direct from Zurich, but expect prices to be significantly higher for the top-tier direct "Extra" plan (versus the top-tier comparison site "Ultimate" plan).
Types of Zurich Travel Insurance Policies
Direct from their website, Zurich offers three tiers of travel insurance—Basic, Standard and Extra. From comparison sites they offer three different plans—Essentials, Enhanced and Ultimate—which for the most part provide lower levels of cover (that is, when comparing lowest tier Basic vs. lowest tier Essentials, and so on), as you can see in the following table. All plans are available for Single Trips or as Annual, Multi-Trip policies.
Zurich Travel Insurance Cover Limits
|Key Benefits (up to)||Basic||Standard||Extra||Essentials||Enhanced||Ultimate|
|Available From Where?||Direct||CompareCover|
|Emergency medical assistance and expenses||£10,000,000||£10,000,000||£10,000,000||£10,000,000||£10,000,000||£10,000,000|
|Hospital benefit||£500 (£10 per 24 hours)||£1,000 (£20 per 24 hours)||£1,500 (£30 per 24 hours)||n/a||£1,000 (£20 per 24 hours)||£1,500 (£30 per 24 hours)|
|Death - age 16 and over||£5,000||£15,000||£30,000||n/a||£10,000||£20,000|
|Loss of limbs/sight - age 69 and under||£10,000||£25,000||£50,000||n/a||£10,000||£20,000|
|Loss of limbs/sight - age 70 and over||£5,000||£12,500||£25,000||n/a||£10,000||£20,000|
|Permanent total disablement - age 69 and under||£10,000||£25,000||£50,000||n/a||£10,000||£20,000|
|Permanent total disablement - age 70 and over||£5,000||£12,500||£25,000||n/a||£10,000||£20,000|
|Loss, theft or damage to baggage||£1,000||£1,500||£2,500||£1,000||£1,500||£2,500|
|Baggage - single article limit||£150||£250||£350||£150||£200||£250|
|Baggage - valuables limit||£200||£300||£500||£150||£300||£350|
|Cancellation and cutting short a trip||£1,000||£5,000||£7,500||£1,000||£3,000||£5,000|
|Travel delay section limit||n/a||£300||£500||n/a||£100||£500|
|Limit first 12 hours||n/a||£20||£40||n/a||£20||£40|
|Limit subsequent 12 hours||n/a||£10||£20||n/a||£10||£20|
|Loss, theft or damage of passport, driving licence or travel documents||£250||£250||£500||£150||£250||£500|
|Loss, theft or damage of personal money (including pre-paid currency cards and traveller's cheques)||£200||£500||£500||£200||£500||£500|
|Cash limit - age 16 and over||£100||£300||£300||£100||£300||£300|
|Cash limit - age 15 and under||£50||£100||£100||£50||£100||£100|
|Legal expenses and advice||£25,000||£25,000||£50,000||£20,000||£25,000||£25,000|
|Hijack||n/a||£500 (£25 per 24 hours)||£1,000 (£50 per 24 hours)||n/a||£500 (£25 per 24 hours)|
£1,000 (£50 per 24 hours)
|Change in health||£1,000||£5,000||£7,500|
|Scheduled airline failure||n/a||£3,000||£4,000||n/a||£1,500||£2,500|
|Catastrophe, natural disaster and airspace closure|
|Additional accommodation and/or transport costs||n/a||n/a||£1,000||n/a||n/a||£1,000|
|Cancellation and cutting short a trip||n/a||n/a||£7,500||n/a||n/a||£5,000 (limited as section 4 in policy)|
|Missed departure/missed connection||n/a||n/a||£1,000/£500||n/a||n/a||Limited per Travel Delay section 5|
|End supplier failure||n/a||n/a||£3,500||n/a||n/a||n/a|
Other Useful Information: Policy Wording
How does Zurich Travel Insurance Compare to Competitors?
To better understand the value of Zurich 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.
Zurich Travel Insurance vs CoverForYou Travel Insurance
CoverForYou is a travel cover specialist offering not only Emergency Medical, Cancellation and Baggage on all plans, but also extras like Scheduled Airline Failure, Delayed Departure, Personal Liability, Mugging, Hijacking and Legal Expenses. Those wanting higher levels of protection for their phones, iPads, laptops, etc. can buy Extended Gadget Cover for £1,000, £2,00 or £3,000 of cover for £11.75 to £69, depending on the level of cover and the type of plan.
Bottom Line: If you want more gadget cover than offered through Zurich's standard Valuables cover (£150 to £500), which is further subject to Single Article limits (£150 to £350), then CoverForYou might be an interesting option to consider.
Zurich Travel Insurance vs Saga Travel Insurance
Saga travel insurance is offered as one, simple travel insurance plan to those over 50 years of age—with no upper age limit. We like that Saga includes cover for Catastrophe and a higher level of Personal Belongings/Baggage cover on all policies, plus Golf. Another perk is that travellers whose international flight is delayed more than 2 hours can benefit from access to a LoungeKey airport lounge, as part of Trip Delay cover. While travellers can be covered of any age, prices do rise steadily for older customers.
Bottom Line: If you are an older traveller, especially in your 70s or 80s, Saga may be a more viable travel insurance option for you, as they specialize in "mature" travellers.
Zurich Travel Insurance vs Admiral Travel Insurance
Admiral travel insurance offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection. Those looking for cover for catastrophes (e.g., volcanic ash cloud and storms) should consider one of Admiral's top two tiers—Gold or Platinum. If your plans include a cruise in the next year, then Admiral offers comprehensive Cruise cover for an added cost (included on Platinum), which includes Missed Port Departure, Cabin Confinement, Unused Excursions and Cruise Interruption. Insolvency is not covered on Admiral plans. £1,000 of Gadget cover can be added for £13.92 (Single Trip) or £49.92 (Annual, Multi-Trip).
Bottom Line: If you want more Gadget cover, Admiral can be another alternative to Zurich travel insurance.