Travel Insurance

Cover For You Travel Insurance Reviews

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Top 5 Travel Insurance

 

Cover wise Travel Insurance

Southdowns Travel Insurance

Top Dog Insurance

Insurance Republic Travel Insurance

Cedar tree Travel Insurance

DEfaqto Star Rating 3 Stars 3 Stars 2 Stars 2 stars 3 stars
Annual Cover Price £27.95 £31.75 £44.22 £48.17 £56.75
Medical cover £10,000,000.00 £10,000,000.00 £10,000,000.00 £10,000,000.00 £15,000,000.00
Medical excess £125.00 £100.00 £250.00 £149.00 £150.00
Cancellation cover £1,000.00 £1,500.00 £1,000.00 £1,250.00 £1,000.00
Cancellation excess £125.00 £100.00 £250.00 £149.00 £150.00
Baggage cover £1,000.00 £1,500.00 £1,000.00 £1,000.00 £1,000.00
Baggage excess £125.00 £100.00 £250.00 £149.00 £150.00

 

Terms and Conditions

Trip

Destination: Worldwide (excl USA, Canada, Caribbean, Mexico)

Who to insure: A couple (2 travellers)

Declared medical conditions: No

 Cover

Cover type: Multiple trips (Annual cover)

Cover included for: Business trip

 

Features Explained

Medical

 

The maximum amount you can claim from medical bills.
Cancellation The maximum amount you can claim for cancellation.
Price The total price you pay for your cover.
Baggage

 

The maximum amount you can claim if your baggage goes missing.
Excess

 

The maximum amount you have to pay per person per claim for baggage, cancellation or medical claims.
Single article limit

 

The maximum limit you can claim for a single item.

 

DEfaqto star rating

DEfaqto star rating process assesses and analyses the key features and benefits of each policy. The star rating can help you see where a product sits in the market.The rating is not an indication of the suitability of the product to your needs.

1 Star: A basic product, with a low level of features and benefits.

2 Stars: A product typically offering a below average range of features and benefits.

3 Stars: A standard product providing an average level of features and benefits.

4 Stars: A product with a good level of features and benefits.

5 Stars: An excellent product with a comprehensive range of features and benefits.

 

Features Definitions

These definitions apply throughout your policy booklet. Where we explain what a word means that word will appear highlighted in bold print and have the same meaning wherever it is used in the policy. We have listed the definitions alphabetically. There may also be specific definitions relating to that section of the Benefit Schedule, these will all be listed at the start of the policy section.

Adverse Weather Conditions

– means rain, wind, fog, thunder or lightning storm, flood, snow, sleet, hail, hurricane, cyclone, tornado or tropical storm which is not caused by or has not originated from a geological or catastrophic event such as but not limited to an earthquake, volcano or tsunami.

Baggage

– Means luggage, clothing, personal effects and other articles (but excluding valuables, business equipment, ski equipment, golf equipment, personal money and documents of any kind) which belong to you (or for which you are legally responsible) which are worn, used or carried by you during any trip or one-way trip.

Bodily injury

– means an identifiable physical injury caused by sudden, unexpected, external and visible means including injury as a result of unavoidable exposure to the elements.

Close business associate

– means any person whose absence from business for one or more complete days at the same time as your absence prevents the proper continuation of that business.

Close relative

– means mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parents-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, domestic partner or fianc??/fianc??e.

Complication of Pregnancy

– means the following unforeseen complications of pregnancy as certified by a medical practitioner: toxaemia; gestational hypertension; pre-eclampsia; ectopic pregnancy; hydatidiform mole (molar pregnancy); hyperemesis gravidarum; ante partum haemorrhage; placental abruption; placenta praevia; post-partum haemorrhage; retained placenta membrane; miscarriage; stillbirths; medically necessary emergency Caesarean sections/ medically necessary termination; and any premature births or threatened early labour more than 8 weeks (or 16 weeks in the case of a multiple pregnancy) prior to the expected delivery date.

Couple

– means you and your close relative who lives with you in a domestic relationship at the same address as you.

Curtailment / Curtail / Curtailed

– means either:
a) abandoning or cutting short the trip by direct early return to your home area, in which case claims will be calculated from the day you returned to your home area and based on the number of complete days of your trip you have not used, or
b) by attending a hospital outside your home area as an in-patient or being confined to your accommodation abroad due to compulsory quarantine or on the orders of a medical practitioner, in either case for a period in excess of 48 hours. Claims will be calculated from the day the ill/injured person was admitted to hospital or confined to your accommodation and based on the number of complete days for which you were hospitalised, quarantined or confined to your accommodation. Cover only applies to ill/injured persons.

Family cover

– means up to two adults and any number of their children, step children or foster children aged under 18 (or aged under 23 if in full time further education), accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination. For annual multi trip cover, either adult named on the policy is able to travel independently as are the children if parental permission has been granted.

Home

– means your normal place of residence in the United Kingdom.

Home area

– means for residents of the United Kingdom excluding Channel Islands and the Isle of Man, your home area means the United Kingdom excluding Channel Islands and the Isle of Man. For residents of the Channel Islands and the Isle of Man, your home area means either the Channel Islands or the Isle of Man depending on where your home is.

Medical condition(s)

– means any medical or psychological disease, sickness, condition, illness or injury.

Medical emergency

– means a bodily injury or sudden and unforeseen illness suffered by you while you are on a trip outside your home area and a registered medical practitioner tells you that you need immediate medical treatment or medical attention.

Medically necessary

– means reasonable and essential medical services and supplies, ordered by a medical practitioner exercising prudent clinical judgement, needed to diagnose or treat an illness, bodily injury, medical condition, or its symptoms, and that meet generally accepted standards of medical practice.

Medical practitioner

– means a registered practising member of the medical profession recognised by the law of the country where they are practising, who is not related to you or any person who you are travelling with.

One-way trip

– means for single-trip policyholders a trip or journey that takes place during the period of insurance which begins when you leave your home and ends up to 10 days after you arrive at your final destination at which time all cover under this policy ceases and we will not be liable for any expenses, fees or charges incurred after this date.

Period of insurance

– means if annual multi trip cover is selected: the period of 12 months for which we have accepted the premium as stated in the schedule. During this period any trip not exceeding 24 days is covered, but limited to 17 days in total in each period of insurance for winter sports (provided you have paid the appropriate winter sports premium to include this cover). Under these policies Section A – Cancellation cover will be operative from the date stated in the schedule or the time of booking any trip (whichever is the later date) and terminates on commencement of any trip.
– means if single trip cover is selected: the period of the trip and terminating upon its completion, but not in any case exceeding the period shown in the schedule. Under these policies Section A – Cancellation cover will be operative from the time you pay the premium.
For all other sections of the policy, whichever cover is selected, the insurance starts when you leave your home or for a business trip your place of business (whichever is the later) to start the trip and ends at the time of your return to your home or place of business (whichever is the earlier) on completion of the trip.
However any trip that had already begun when you purchased this insurance will not be covered, except where this policy replaces or you renew an existing annual Coverwise multi trip policy which fell due for renewal during the trip.
The period of insurance is automatically extended for the period of the delay in the event that your return to your home area is unavoidably delayed due to an event insured by this policy.

Personal money

– means bank notes, currency notes and coins in current use, travellers’ and other cheques, postal or money orders, pre-paid coupons or vouchers, travel tickets, event and entertainment tickets, phonecards, money cards and credit/debit or pre-pay charge cards all held for private purposes.

Public transport

– means any publicly licensed aircraft, sea vessel, train, coach or bus on which you are booked or had planned to travel.

Secure baggage area

– means any of the following, as and where appropriate:
a) The locked dashboard, boot or luggage compartment of a motor vehicle
b) The locked luggage compartment of a hatchback vehicle fitted with a lid closing off the luggage area, or of an estate car with a fitted and engaged tray or roller blind cover behind the rear seats
c) The fixed storage units of a locked motorised or towed caravan
d) A locked luggage box, locked to a roof rack which is itself locked to the vehicle roof.

Single parent cover

– means one adult and any number of his or her children, step children or foster children aged under 18 (or aged under 23 if in full time education), accompanying the parent insured on the same policy, travelling on any trip to the same destination. For annual multi trip cover, the adult named on the policy is able to travel independently as are the children if parental permission has been granted.

Ski equipment

– means skis (including bindings), ski boots, ski poles and snowboards.

Strike or industrial action

– means any form of industrial action which is carried out with the intention of stopping, restricting or interfering with the production of goods or provision of services.

Terrorism

– means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Third party

– means a close relative, close business associate, a person you have booked to travel with, a relative or friend with whom you plan to stay.

Trip

– means any holiday, business or pleasure trip or journey made by you within the area of travel shown in the schedule which begins and ends in your home area or place of business during the period of insurance, but excluding one way trips or journeys
However any trip that had already begun when you purchased this insurance will not be covered, except where this policy replaces or you renew an existing annual Coverwise multi trip policy which fell due for renewal during the trip.
If annual multi trip cover is selected any trip not exceeding 24 days is covered, but limited to 17 days in total in each period of insurance for winter sports (provided you have paid the appropriate winter sports premium to include this cover). If any trip exceeds 24 days there is absolutely no cover under this policy for that trip (not even for the first 24 days of the trip), unless you have contacted us and we have agreed in writing to provide cover.
In addition, any trip solely within your home area is only covered where you have prebooked at least two nights accommodation in a hotel, motel, holiday camp, bed and breakfast, holiday cottage or similar accommodation rented for a fee. Each trip under annual multi trip cover is considered to be a separate insurance, with the terms, definitions, What is not covered and conditions contained in this policy applying to each trip.

Unattended

– means when you are not in full view of and not in a position to prevent unauthorised interference with your property or vehicle.

United Kingdom

– means England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

Usual, customary and reasonable

– means the amount paid for a medical service in a geographic area based on what providers in the area usually charge for the same or similar medical service.

Valuables

– means jewellery, gold, silver, precious metal or precious or semiprecious stone articles, watches, furs, cameras, camcorders, portable satellite navigation systems, photographic, audio, video, computer, television equipment and other electronic entertainment devices (including but not limited to MP3 or 4 players, tablets, ebooks, CD’s, DVD’s, tapes, films, cassettes, cartridges and headphones), computer games and associated equipment, telescopes and binoculars.

Vermin

– means rats, mice, squirrels, owls, pigeons, foxes, bees, wasps or hornets.

Here we discus Top 10 Travel insurance and give you the reviews

Coverwise Standard Travel Insurance

About this insurer:

Established since: 2011

Number of policies sold: Over 2 million

Coverwise policies offer excellent value alongside the reassurance of being underwritten within the AXA Group, whose 214,000 employees serve 95 million clients. AXA is the largest insurer in the world by net written premium and the top insurance brand globally.

 

Annual Cover Price £27.95 / 24days per Trip
DEfaqto Star Rating 3 Stars
Medical Cover £10 Million

Excess: £125

Cancellation £1000

Excess: £125

Single Article Limited £200
Baggage Cover £1000

Excess: £125

 

Multiple Travel

Multiple Travel

Multiple Travel

Policy

Standard Bronze Silver
Price 27.95 31.7 39.3
Defaqto Star Rating 3 stars 3 stars 4 stars

Medical

Medical cover £10 million £10 million £15 million
Medical excess £125 £100 £50
European Medical Excess with EHIC No excess No excess No excess
Emergency Assistance Yes Yes Yes

Cancellation and travel

Cancellation cover £1,000 £1,500 £2,000
Cancellation excess £125 £100 £50
Abandonment following delay Not covered Not covered £2,000
Scheduled airline failure Not covered Not covered Not covered
End supplier failure Not covered Not covered Not covered
Loss of deposit excess £125 £100 £50
Missed departure outbound Not covered Not covered £1,000

Baggage and money

Baggage cover £1,000 £1,500 £1,500
Baggage excess £125 £100 £50
Basis Wear and tear Wear and tear Wear and tear
Single article limit £200 £200 £200
Valuables £200 £200 £200
Money £300 £350 £350
Money excess £125 £100 £50

Legal and policy details

Legal expenses Not covered Not covered £50,000
Legal expenses excess No excess No excess £50

 

 

Standard

Bronze

Silver

Abandonment Following Delay Not Cover No Cover Cover
Schedule Airline Failure Not Cover Not Cover Not Cover
End Supplier Failure Not Cover Not Cover Not Cover
Missed Departure Outbound Not Cover Not Cover Cover

 

Pros:

Its medical cover is up to £10 million.

In Silver policy plan its medical cover is up to £10 million.

Its annual cover price is very low compare to all other policy plan.

Cons:

In Bronze policy plan its does not cover any special features like Abandonment Following Delay, Schedule Airline Failure etc.

2. Southdowns Travel Insurance

 

About this insurer

Established since: 2011

Number of policies sold: 500,000

Southdowns policies offer excellent value alongside the reassurance of being underwritten within the AXA Group, whose 214,000 employees serve 95 million clients. AXA is the largest insurer in the world by net written premium and the top insurance brand globally

Annual Cover Price £31.75 / 24days per Trip
DEfaqto Star Rating 3 Stars
Medical Cover £10 Million

Excess: £100

Cancellation £1500

Excess: £100

Single Article Limited £200
Baggage Cover £1500

Excess: £100

 

Medical

Bronze Silver Gold
Medical cover £10 million £15 million £15 million
Medical excess £100 £50 £50
European Medical Excess with EHIC No excess No excess No excess
Emergency Assistance Yes Yes Yes

Cancellation and travel

Cancellation cover £1,500 £2,000 £3,000
Cancellation excess £100 £50 £50
Abandonment following delay Not covered £2,000 £3,000
Scheduled airline failure Not covered Not covered Not covered
End supplier failure Not covered Not covered Not covered
Loss of deposit excess £100 £50 £50
Missed departure outbound Not covered £1,000 £1,000

Baggage and money

Baggage cover £1,500 £1,500 £1,500
Baggage excess £100 £50 £50
Basis Wear and tear Wear and tear Wear and tear
Single article limit £200 £200 £200
Valuables £200 £200 £300
Money £350 £350 £500
Money excess £100 £50 £50

Legal and policy details

Legal expenses Not covered £50,000 £50,000
Legal expenses excess No excess £50 £50

 

 

Bronze

Silver

Gold

Abandonment Following Delay Not Cover Cover Cover
Schedule Airline Failure Not Cover Not Cover Not Cover
End Supplier Failure Not Cover Not Cover Not Cover
Missed Departure Outbound Not Cover Cover Cover

 

Pros:

Excess fees is low compare to all other companies policy plan.

In Silver policy plan its cover both special features like Abandonment Following Delay and Missed Departure Outbound

In silver policy plan medical cover is up to £15 Millions

Cons:

Its only cover 24 days per trip.

Top Dog Insurance

About this insurer

Established since: 2006

Number of policies sold: 420,000

Top Dog is a specialist UK travel insurance provider and, a division of Citybond Holdings Ltd, who have over 30 years’ experience of arranging travel insurance. We offer Single Trip and Annual Multi trip policies up to age 75. Effective claims handling ensures that all its customers travel knowing they are covered against emergencies, 24 hours a day, 7 days a week.

Annual Cover Price £44.22 / 31 days per Trip
DEfaqto Star Rating 2 Stars
Medical Cover £10 Million

Excess: £250

Cancellation £1000

Excess: £250

Single Article Limited £100
Baggage Cover £1000

Excess: £250

 

Multiple Travel Multiple Travel Multiple Travel
Policy Economy Standard Premier
Price £44.22 £51.16 £70.30
Defaqto Star Rating 2 stars 2 stars 3 stars

Medical

Medical cover £10 million £10 million £10 million
Medical excess £250 £200 £50
European Medical Excess with EHIC No excess No excess No excess
Emergency Assistance Yes Yes Yes

Cancellation and travel

Cancellation cover £1,000 £1,500 £2,000
Cancellation excess £250 £200 £50
Abandonment following delay Not covered Not covered £3,000
Scheduled airline failure £1,000 £1,500 Not covered
End supplier failure Not covered Not covered Not covered
Loss of deposit excess £25 £25 £25
Missed departure outbound Not covered Not covered £500

Baggage and money

Baggage cover £1,000 £1,000 £1,500
Baggage excess £250 £200 £50
Basis Wear and tear Wear and tear Wear and tear
Single article limit £100 £200 £200
Valuables £200 £300 £300
Money £300 £300 £500
Money excess £250 £200 £50

Legal and policy details

Legal expenses £5000 £5000 £10,000
Legal expenses excess No excess No Excess No Excess

 

  Economy Standard Premier
Abandonment Following Delay Not Cover Cover Cover
Schedule Airline Failure Cover Cover Cover
End Supplier Failure Not Cover Not Cover Not Cover
Missed Departure Outbound Not Cover Cover Cover

 

Pros:

Scheduled airline failure cover in this policy plan.

In economy policy plan its cover special features like Schedule Airline Failure.

Its cover Legal expenses up to £5000

Cons:

Defaqto Star Rating is only 2 Stars.

 

Insurance Republic

About this insurer

Established since: 2008

Number of policies sold: 280,000

Insurance Republic are specialists in providing competitive holiday travel insurance with free cover for children on family policies. Backed by the world’s leading insurance companies they provide up to £12 million medical cover with cancellation and personal possessions covered as standard

Annual Cover Price £48.17 / 31 days per Trip
DEfaqto Star Rating 2 Stars
Medical Cover £10 Million

Excess: £149

Cancellation £1250

Excess: £149

Single Article Limited £250
Baggage Cover £1000

Excess: £149

 

Multiple Travel Multiple Travel Multiple Travel

Policy

Essentials Gold Platinum
Price £48.17 £71.02 £92.81
Defaqto Star Rating 2 stars 3 stars 4 stars

Medical

Medical cover £10 million £15 million £15 million
Medical excess £149 £200 £99
European Medical Excess with EHIC No excess No excess No excess
Emergency Assistance Yes Yes Yes

Cancellation and travel

Cancellation cover £1,250 £1,500 £2,000
Cancellation excess £149 £125 £99
Abandonment following delay Not covered £1,500 £2,000
Scheduled airline failure Not covered Not covered Not covered
End supplier failure Not covered Not covered Not covered
Loss of deposit excess £25 £25 £25
Missed departure outbound £100 £250 £500

Baggage and money

Baggage cover £1,000 £1,500 £1,500
Baggage excess £149 £125 £99
Basis Wear and tear Wear and tear Wear and tear
Single article limit £250 £300 £400
Valuables £250 £250 £500
Money £300 £400 £500
Money excess £149 £125 £99

Legal and policy details

Legal expenses £5000 £5000 £20,000
Legal expenses excess £149 £125 £99

 

  Essentials Gold Platinum
Abandonment Following Delay Not Cover Cover Cover
Schedule Airline Failure Cover Not Cover Not Cover
End Supplier Failure Not Cover Not Cover Not Cover
Missed Departure Outbound Cover Cover Cover

 

Pros:

In Gold policy plan its cover Abandonment following delay features.

In Essentials policy plan its cover special features like Schedule Airline Failure and Missed Departure Outbound.

This policy plan cover 31 days per trip.

Cons:

In Platinum policy plan it does not cover special features like Schedule Airline Failure and End Supplier Failure.

 

 

Cedartree Travel Insurance

 

About this insurer

Established since: 2001

Number of policies sold: Over 2 million

Specialising in premium travel insurance policies designed to give the best protection. We have teamed up with one of the World’s leading insurance and assistance companies to bring you service you can rely on and products you can trust.

 

Annual Cover Price £56.75 / 18 days per Trip
DEfaqto Star Rating 3 Stars
Medical Cover £15 Million

Excess: £150

Cancellation £1000

Excess: £150

Single Article Limited £200
Baggage Cover £1000

Excess: £150

 

Multiple Travel Multiple Travel Multiple Travel

Policy

Lite Classic Premium
Price £56.75 £82.50 £111.50
Defaqto Star Rating 3 stars 4 stars 5 stars

Medical

Medical cover £15 million £15 million £15 million
Medical excess £150 £95 £50
European Medical Excess with EHIC No excess No excess No excess
Emergency Assistance Yes Yes Yes

Cancellation and travel

Cancellation cover £1,000 £2,000 £5,000
Cancellation excess £150 £95 £50
Abandonment following delay £1,000 £2,000 £5,000
Scheduled airline failure Not covered £2,500 £2,500
End supplier failure Not covered Not covered Not covered
Loss of deposit excess £150 £95 £50
Missed departure outbound £200 £250 £500

Baggage and money

Baggage cover £1,000 £1,500 £2,500
Baggage excess £150 £95 £50
Basis Wear and tear Wear and tear Wear and tear
Single article limit £200 £200 £200
Valuables £150 £250 £300
Money £500 £600 £800
Money excess £150 £95 £50

Legal and policy details

Legal expenses £5000 £5000 £20,000
Legal expenses excess No excess No excess No excess

 

  Lite Classic Premium
Abandonment Following Delay Cover Cover Cover
Schedule Airline Failure Cover Cover Cover
End Supplier Failure Not Cover Not Cover Not Cover
Missed Departure Outbound Cover Cover Cover

 

Pros:

In Lite policy plan its cover special features like Abandonment Following Delay, Schedule Airline Failure and Missed Departure Outbound.

This policy plan cover Legal expenses.

Classic and Premium policy plan cover Scheduled airline failure features.

Cons:

Its policy plan price is high than all other companies policy plan.

Conclusion:

Here we discus Travel insurance the first we tell you all explanation on Top 5 travel insurance. Now here we tell you with company give you extra benefits compare to other. First we talk about Cover Wise Travel Insurance, this company policy plan price is lower then all other policy price rate but its doesnot mean that this company policy plan is best compare to all other four companies. This policy plan is cheaper but not best.

When we talk about South downs Travel insurance plan, this policy plan price is higher then Cover Wise Travel Insurance but it’s give you extra benefits compare to Cover Wise Travel Insurance. For a simple example its excess fees is lower than all other four companies policy plan.

Now we talk about other three (Top Dog Insurance, Insurance Republic, and Cedar Tree Travel Insurance) policy plan then only we say that compare to all other three (Top Dog Insurance, Insurance Republic, and Cedar Tree Travel Insurance) companies Insurance Republic Travel Insurance plan is good compare to all other two companies (Top Dog Insurance and Cedar Tree Travel Insurance) Policy plan.

When we compare all five companies policy plan, annual price, excess fees and all features then we concluded that South Down Gold Travel Insurance give you best policy plan compare to all other companies policy plan. Its give you all benefit with resizable price.

 

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