Feefo Platinum Trusted Service Award 2024
Free £100 Gift Card Offer
Our logo

PROTECTION PROMISE - 100% Conditions Covered

Our Insurance Partners

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

Post Office Travel Insurance Review 2024

In our latest independent review, our team of insurance experts explore all the main features of Post Office travel insurance and explain how these policies work for UK holidaymakers in 2024.

Post Office recently appeared in our list of Top 5 Travel Insurance Companies, as one of the UK’s best and most popular travel insurance providers. During this research, Post Office was consistently one of the cheapest options for both Worldwide travel cover and Cruise travel insurance.

Other key benefits of Post Office travel insurance policies include:

  • Defaqto 5 Star-rated policies
  • FREE children’s cover within family travel insurance policies
  • Option to add on extra benefits (e.g. gadget or winter sports cover)

Last year, Post Office published their own ‘Holiday Spending Report’, which found that around 57% of Brits had planned to travel abroad in 2023. Travel insurance acts as a financial shield before and during your holiday, protecting you from losing £100’s or £1000’s if something goes wrong.

There are hundreds of options for travel insurance policies in the UK, which can make it difficult to work out if Post Office is the right choice for you. Many UK consumers find it useful to quickly compare the best quotes by applying via a specialist price comparison website.

A picture of a stopwatch

60-Second Summary – Post Office Travel Insurance Review 2024

Post Office is a household name in the UK, having provided postal, banking, and insurance services for over 300 years. Post Office travel insurance is an extremely popular option for UK travellers, with over 74,000 online searches for ‘Post Office travel insurance’ every month.

Based on our latest research, Post Office travel insurance prices start from around £24, with the option to add on extra cover for activities like winter sports or cruise trips.

  • Post Office sells several types of travel insurance policies including individual, couples, and family travel insurance policies. There are also different levels of cover to suit different budgets (Economy, Standard, and Platinum).
  • Post Office will pay out for various unexpected events that could happen such as flight delays or lost luggage and can provide up to £15,000,000 toward emergency medical expenses (Platinum cover).
  • Post Office consistently pay out on claims made by their travel insurance customers, paying out for between 85% – 90% of new claims in 2022.
  • Post Office policies might not be the right fit for every travel insurance customer. It’s always best to compare policies and prices with the help of a specialist comparison site, to make sure that you are getting the best possible deal.

Post Office Limited (commonly referred to as just ‘Post Office’) is a UK-based company that specialises in postage, banking, and insurance services. Post Office provides various services and products for UK residents including:

  • Letter and parcel delivery
  • Banking and bill payments
  • Travel money
  • New passport applications and renewal
  • Insurance services (includes travel, car, home, and life insurance)

Post Office provides various services that you might need for your holiday, including buying your travel money and your travel insurance, as can be seen below in a recent Post Office advert.

Getting ready to holiday? We can help with that

Is Post Office Ltd the same as Royal Mail?

It is easy to get confused between Post Office and Royal Mail, but they are two separate companies. Post Office has a network of in-person branches where you can purchase stamps, send letters, and use their banking and insurance services.

Royal Mail is responsible for the delivery of letters and packages, alongside newer services like Yodel, Evri (previously Hermes), Amazon, and DPD.

Post Office does often use Royal Mail services, but you will also be able to collect and send packages via other couriers.

Travel insurance is one of several insurance products sold by Post Office, along with policies like Over 50s Life Insurance. Travel insurance has been available from Post Office since 2007, with 3 levels of cover to choose from which are:

  • Post Office Economy Travel Insurance (3 Star Defaqto rating)
  • Post Office Standard Travel Insurance (4 Star Defaqto rating)
  • Post Office Premier Travel Insurance (5 Star Defaqto rating)

All of Post Office’s policies have been rated as at least 3 Stars by industry body Defaqto, which indicates ‘a standard product providing an average level of features and benefits’.

4 Post Office Money travel insurance policies have been rated as 5 Stars, and 5 policies have been rated 4 Stars.

Who is Post Office travel insurance underwritten by?

As with most banks or building societies, Post Office travel insurance policies are underwritten by another insurance company. As of April 2024, Post Office travel insurance policies are underwritten by Collinson Insurance, though this might change in the future.

You won’t need to contact Collinson Insurance in most cases, as you can buy your policies and submit claims directly through the Post Office website, comparison sites, and over the phone.

Can you buy travel insurance in a Post Office branch?

It is possible to buy travel insurance directly from a Post Office branch if you would prefer to speak to someone in person. Most people will however buy their policies over the phone, online (Post Office website), or via a price comparison website.

Post Office is a generally reliable brand, having been a household name in the UK for over 300 years.  Many consumers prefer to choose a company that they are already familiar with for their travel insurance, compared to a newer or smaller company.

Post Office has won various industry awards for their travel insurance policies, most recently winning Best Travel Insurance Provider at the Your Money Awards 2023.

Ultimately, whether Post Office travel insurance is ‘good’ will depend on your budget and the type of travel insurance that you need. For example, our experts frequently find that Post Office policies are a good option for cruise travel insurance and Worldwide travel insurance policies.

Our experts go into more detail about the features and benefits of each type of Post Office travel insurance policy in the section ‘What does Post Office travel insurance cover?’.

SAVE up to *34% on your insurance when you compare quotes with iam|INSURED

Protect you and your family for less

We're rated 'EXCELLENT'

Five Stars

on

Feefo Logo

*Over 1,100 independent customer reviews

Post Office isn’t the UK’s biggest insurance company, but thousands of people choose to buy Post Office travel insurance each year.

When considering if an insurance policy is ‘worth it’, many of us will focus on things like value for money and how likely it is that our policy will pay out. Post Office does generally offer good value for money, with even the most basic policies providing cover for:

  • Emergency medical expenses (£5,000,000)
  • Flight cancellations
  • Personal accidents
  • Lost or delayed luggage
  • Option for FREE child cover within family policies

Post Office consistently pay out on claims made by their travel insurance customers. According to Which?, Post Office paid out between 85% – 90% of all travel insurance claims that they received in 2022.

There are several pros and cons that you should be aware of before buying travel insurance from Post Office, which our experts have highlighted in the table below.

ProCon
Can buy Defaqto 5 Star rated policies, with a comprehensive range of customer benefitsCan be more expensive for certain customers
Will often cover common medical conditions like diabetes and high cholesterolSpecialist insurers might work better for customers with serious pre-existing conditions
Will sometimes provide discounts or vouchers for new customers or studentsWon’t cover customers over age 75 (annual travel insurance)
FREE travel insurance for kids within Post Office family travel insurance policiesWill need to pay extra to add on extra benefits like winter sports cover
Familiarity and security associated with a well-known brand nameEconomy policies won’t cover travel delays and missed departures

On average, Post Office travel insurance policies start from around £24 for a 7-day single-trip policy. Annual policies will cost slightly more, with prices starting at around £56, but these policies will cover you for any trips that you need to take within the next 12 months.

The cost of Post Office travel insurance can vary significantly depending on your age, trip destination, and trip duration.

You will usually find that things like pre-existing medical conditions will affect the price as well. If you have pre-existing conditions, it is normally best to apply via a specialist travel insurance broker to find the fairest prices.

For a full overview of potential prices, our independent insurance experts have compared the cost of Post Office travel insurance across different age groups, destinations, and types of cover (individual, couples, family etc.).

All the quotes below were generated on 24/04/2024 from Post Office’s live systems and are accurate as of this date. All quotes are based on the applicants having no medical conditions, and no additional cover has been added (e.g. winter sports cover).

Note: All single trip quotes are based on a 7-day trip to a European destination (Spain) and all Worldwide quotes are based on a 7-day trip to America.

European travel cover (individual travel insurance)

Person’s ageSingle trip policyAnnual policy
Age 20£24.34£56.51
Age 25£24.16£58.78
Age 30£23.09£58.78
Age 35£24.30£54.11
Age 40£22.99£51.12
Age 45£22.99£53.94
Age 50£23.53£54.01
Age 55£23.53£54.01
Age 60£25.62£59.46
Age 65£29.38£61.00
Age 70£30.89£71.20
Age 75£44.36£102.76

Worldwide travel cover (individual travel insurance)

Person’s ageSingle trip policyAnnual policy
Age 20£60.04£87.52
Age 25£59.58£91.03
Age 30£56.88£91.03
Age 35£59.92£109.26
Age 40£56.66£103.21
Age 45£56.66£108.91
Age 50£58.04£109.71
Age 55£63.16£120.06
Age 60£72.49£123.13
Age 65£76.16£143.74
Age 70£109.39£207.44
Age 75£130.39£326.88

European travel cover (couples travel insurance)

Person’s ageSingle trip policyAnnual policy
Age 20£60.38£88.09
Age 25£59.93£91.66
Age 30£57.18£91.66
Age 35£60.19£109.97
Age 40£56.93£103.90
Age 45£56.93£109.66
Age 50£58.38£109.79
Age 55£63.49£120.85
Age 60£72.86£123.94
Age 65£76.57£144.71
Age 70£109.98£208.84
Age 75£131.08£329.05

Worldwide travel cover (couples travel insurance)

Person’s ageSingle trip policyAnnual policy
Age 20£120.11£177.84
Age 25£119.21£185.04
Age 30£113.78£185.04
Age 35£119.78£222.04
Age 40£113.30£209.76
Age 45£113.30£221.39
Age 50£116.14£221.66
Age 55£126.30£224.01
Age 60£144.96£250.24
Age 65£152.34£292.13
Age 70£218.83£421.61
Age 75£260.82£570.49

As Post Office family travel insurance provides free cover for children under 18, there should be no difference in price compared to a couples travel insurance policy or an individual policy for a single parent.

Note: Occasionally there will be Post Office travel insurance discount codes that can be used when applying with Post Office directly. These won’t always be available, but you may find suggestions on consumer advice websites like MoneySavingExpert and MoneyPeopleOnline.

There are several options for Post Office travel insurance customers, so you can choose the policy that feels right for you. Most Post Office policies will be available for individuals, families, groups, or couples and the main options for travel cover are:

  • Single-trip travel insurance: Post Office single-trip travel insurance will cover you for trips of up to 1 year (365 days) and provides cover for trips both within the UK and abroad.
  • Annual multi-trip travel insurance: You will be covered for multiple trips within 12 months. You will automatically be covered for trips of up to 31 days and can apply for an extension for longer trips (up to 45 days or 60 days maximum).
  • Backpacker cover: This is useful for anyone who is considering going travelling, as you will be covered for trips of up to 18 months. You will be able to return home 3 times for up to 7 days without your cover being affected.

For each type of policy, you will also be able to choose the level of cover that you would like. This will be either Economy, Standard, or Premium, depending on your budget and the amount of cover that you need.

Is there an age limit on Post Office travel insurance?

There is no age limit for Post Office single-trip travel insurance, so you can get the cover that you need no matter how old you are. Older customers may find cheaper quotes with other travel insurance companies though, so you should shop around for the best prices.

Post Office annual travel insurance policies will only cover people up to age 75 (or age 60 for backpackers’ insurance). Post Office backpacker cover has a minimum age of 18, so you will need to be aged 18 or over to buy this policy.

Travel Insurance provider reviews

Post Office will consider covering people with pre-existing medical conditions, and their website states that they will provide cover for common medical conditions such as:

Post Office policies even include access to the ‘Medical Assistance Plus’ app, which provides access to 24/7 medical advice while you are away.

If you have a more serious medical condition (e.g. cancer), it can be helpful to compare your best options for cover via a specialist medical travel insurance expert.

Post Office travel insurance will protect you against various issues or problems that could occur before or during your holiday. The exact amount of cover that you have will depend on which Post Office policy you choose. Our team of insurance experts have compiled a full breakdown of what is covered within each policy below.

Post Office logo

Post Office Economy Travel Insurance

Defaqto rating: 3 Stars
Economy Backpacker Insurance has been rated 4 Stars by Defaqto

Post Office Economy travel insurance is the most budget friendly option for Post Office customers. Post Office Economy travel insurance includes:

  • £5,000,000 cover for emergency medical expenses (£125 excess)
  • £7,500 for overseas funeral or repatriation to the UK (£125 excess)
  • Up to £1,000 for trip cancellations (£125 excess)
  • £1,000 payment if you need to cut your trip short (£125 excess)
  • £750 cover for alternative accommodation when necessary (£125 excess)
  • £1,500 cover for personal baggage (£125 excess)
  • £250 cover for personal money and travel documents (£125 excess)
  • £5,000 cover for personal accident and total permanent disability (no excess)
  • Economy backpacker cover will cover you for trips of up to 18 months maximum

Post Office Economy Travel Insurance Policy Information Document – CLICK HERE

Post Office logo

Post Office Standard Travel Insurance

Defaqto rating: 4 Stars
Both single-trip and annual policies were rated 4 Stars by Defaqto

Post Office Standard travel insurance provides a slightly higher level of protection compared to Economy policies, including cover for:

  • £10,000,000 cover for emergency medical expenses (£99 excess)
  • £10,000 for overseas funeral or repatriation to the UK (£99 excess)
  • Up to £3,000 for trip cancellations (£99 excess)
  • £750 for missed departures from the UK (£99 excess)
  • £30 – £90 for delays of up to 4 hours (no excess)
  • £3,000 for abandonment of holiday (£99 excess)
  • £450 for additional transport (£99 excess)
  • £3,000 payment if you need to cut your trip short (£99 excess)
  • £1,000 cover for alternative accommodation when necessary (£99 excess)
  • £750 cover for missed departure/connections outside of the UK (£99 excess)
  • £2,000 cover for personal baggage (£99 excess)
  • £350 cover for personal money and travel documents (£99 excess)
  • £50 per day for late arrival of luggage, up to £200 maximum
  • £15,000 cover for personal accident and total permanent disability (no excess)

Post Office Standard Travel Insurance Policy Information Document –  CLICK HERE

Post Office logo

Post Office Platinum Travel Insurance

Defaqto rating: 5 Stars
Both single-trip and annual policies were rated 5 Stars by Defaqto

Post Office Platinum travel insurance is their most comprehensive form of cover, protecting you against:

  • £15,000,000 cover for emergency medical expenses (£50 excess)
  • £12,500 for overseas funeral or repatriation to the UK (£50 excess)
  • Up to £5,000 for trip cancellations (£50 excess)
  • £1,500 for missed departures from the UK (£50 excess)
  • £50 – £150 for delays of up to 4 hours (no excess)
  • £5,000 for abandonment of holiday (£50 excess)
  • £550 for additional transport (£50 excess)
  • £5,000 payment if you need to cut your trip short (£50 excess)
  • £1,500 cover for alternative accommodation when necessary (£50 excess)
  • £1,500 cover for missed departure/connections outside of the UK (£50 excess)
  • £50 flight lounge voucher if your flight is delayed with ‘Flight Delay Assistance Plus’
  • £3,000 cover for personal baggage (£50 excess)
  • £500 cover for personal money and travel documents (£50 excess)
  • £75 per day for late arrival of luggage, up to £300 maximum
  • £20,000 cover for personal accident and total permanent disability (no excess)

Post Office Standard Travel Insurance Policy Information Document – CLICK HERE

Post Office logo

Post Office Winter Sports Travel Insurance

Winter sports cover can be added to any level of Post Office travel insurance for an extra cost.
This includes Post Office Economy, Standard, and Platinum travel insurance policies.

If you are planning on skiing or snowboarding during your holiday, winter sports cover provides extra protection for unexpected events related to these activities. Standard policies won’t cover these events automatically, so it is worth thinking about buying winter sports cover for a higher level of protection.

Post Office Winter Sports travel insurance will cover:

  • Economy provides £500 cover for ski equipment (£125 excess), Standard provides £500 cover for ski equipment (£99 excess), and Platinum provides £1,000 cover for ski equipment (£50 excess)
  • Economy provides £300 cover for ski pack and pass (£125 excess), Standard provides £300 cover for ski pack and pass (£99 excess), and Platinum provides £400 cover for ski pack and pass (£50 excess)
  • Up to £150 avalanche cover (Economy)
  • Up to £250 avalanche cover (Standard)
  • Up to £350 avalanche cover (Platinum)
  • £25 per day for ski hire, up to £250 maximum (Economy and Standard)
  • £50 per day for ski hire, up to £500 maximum (Platinum)

Note: With all policies, you will be given the option to increase your level of cover for various situations or to add extra benefits for an extra fee.

Post Office logo

Post Office Cruise Travel Insurance

Cruise cover can be added to any level of Post Office travel insurance for an extra cost.
This includes Post Office Economy, Standard, and Platinum travel insurance policies.

There are specific events that can happen during a cruise holiday that would not be covered within a standard travel insurance policy. Post Office cruise travel insurance will pay out for things like:

  • Missed departure and missed connection pays out £1,000 (excess will depend on if your policy is Economy, Standard, or Platinum)
  • Missed port cover pays out £100 per port missed (Up to £300 maximum for Economy and Standard customers and up to £500 maximum for Platinum)
  • ‘Cruise Interruption Cover’ pays out £1,000
  • Evening Dress Hire up to £75 per person
  • Up to £500 ‘Cabin Confinement’ pay out if you can’t leave your cabin due to injury or illness (£50 per day)
  • £500 cover for any unused excursions
  • You can be covered for ‘Increased Personal Belongings’ on top of your personal baggage limit for up to £1,500 (Economy), £2,000 (Standard), and £2,500 (Platinum)

Post Office Travel Insurance Policy Documents – CLICK HERE

Is there anything that travel insurance doesn’t cover?

While it is helpful to know what you can claim for, it is just as important to understand what your travel insurance company will not pay out for. According to Post Office’s Insurance Product Information Documents, Post Office Money will not pay out for:

  • Pre-existing conditions that have not been declared to and approved by Post Office when you applied
  • Needing to cancel or cut your trip short due to existing medical conditions of a ‘close relative, travelling companion, or someone you were going to stay with’, if you knew it was likely that their condition would deteriorate when you bought the policy
  • Anything that you already knew could be a reason to claim when you bought your policy (e.g. you knew your flights had already been cancelled)
  • Travelling against medical advice
  • Travelling to receive medical treatment or second opinions while abroad
  • Any undiagnosed medical conditions
  • Terminal illnesses
  • Claims as a result of alcohol or drug abuse, or being involved in illegal activity
  • Any loss or theft that wasn’t reported to the police within 24 hours
  • Sports and activities that are not listed within your policy documents
  • Winter sports (unless winter sports cover has been added)
  • Cruise trips (unless cruise cover has been added)
  • Riding quad bikes, ATVs, or electronic scooters
  • Delayed/missed departures
  • Riding a motorbike above 125cc without a valid license
  • Covid claims where you have only taken a self-administered test (needs to be done by an independent body e.g. a hospital or testing centre)

Post Office Insurance Product Information Document – CLICK HERE

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

If you need to contact Post Office about your travel insurance policy, there are several contact numbers available. There is one main contact number for general questions and enquiries, and several numbers for insurance claims.

We have included all of the relevant contact details for claims in the ‘How do I make a Post Office travel insurance claim?’ section below.

Post Office travel insurance phone number (general enquiries)

Telephone – 0330 123 3690

Email – travelinsurancefeedback@postoffice.co.uk

Opening hours – 8.30am – 6.30pm Monday to Friday / 9.00am – 5.30pm Saturday

If you need to claim on your travel insurance policy, you should contact Post Office as soon as possible. They will need full details of why you are claiming, so they can verify whether your claim is valid.

You can claim either over the phone or online, depending on the reason for your claim.

You can submit a claim online if you’d prefer not to speak on the phone if your claim is not urgent (e.g. not related to a medical emergency). This quick video from Post Office explains more about their online claims process.

Introduction to online claims

Note: If you are claiming for a lost or stolen item, you will need to have a police report that was filed within 24 hours of the item going missing.

Post Office claims contact details

Telephone – 0208 865 3074 (claims for medical emergencies)

(You will need to replace the first 0 with 44 if calling from abroad)

Telephone –  0333 333 9702 (non urgent claims)

Opening hours – 9.00am – 5.00pm Monday to Friday

Gadget cover claims

Telephone – +44 (0) 330 020 0024

Online claims – Taurus Insurance Services Website

Email – postoffice.tiga@taurus.gi

All the main details about how to cancel your Post Office travel insurance policy will be included within your policy documents and on the Post Office website.

You will be able to get a full refund if you cancel within the first 14 days of buying your policy (cooling off period). A full refund may be given outside of this time frame in ‘exceptional circumstances’ such as an unexpected bereavement.

If you cancel after 14 days for any other reason, you might be able to get a partial refund of 75% if you have a single-trip policy and haven’t travelled yet. If you have an annual multi-trip policy, Post Office has a set scale for the amount you would be refunded. This starts at a 75% refund if your policy has been active for 1 month, and gradually decreases to 5% after 10 months.

If you experience issues with your Post Office travel insurance policy, you are entitled to make a complaint. Post Office will try and resolve any complaints as soon as possible, and you can refer your complaint to the Financial Ombudsman Service if you are unhappy with the outcome.

Post Office Travel Insurance complaints contact details

Telephone – 0330 123 1382

Emailtravelinsurancefeedback@postoffice.co.uk

Post:

Quality Department,
Collinson Insurance Services Limited,
Sussex House,
Perrymount Road,
Haywards Heath,
RH16 1DN

Financial Ombudsman Service Logo

Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500

Emailcomplaint.info@financial-ombudsman.org.uk

It can be helpful to read online reviews before buying a new travel insurance policy. This can help to indicate if the insurance company and policy will offer the right level of cover for what you need. It can also make you aware of any potential issues with the insurance company.

Post Office has a review score of 1.5 out of 5.0 Stars on Trustpilot, the UK’s main independent consumer review site. While this score is low, it is important to remember that these reviews relate to all Post Office products and services and will not all be about travel insurance.

There are several ways to buy Post Office travel insurance, including online, over the phone, and in branch. The easiest ways to compare the best Post Office travel insurance quotes is via a specialist price comparison site.

This will enable you to compare policies quickly and easily from Post Office and a wide range of insurance companies, to see which policies are cheapest for you.

Sign up for our newsletter

Stay in the loop about all the latest news, exclusive offers, and fantastic discounts. We promise it's spam-free!

What does Martin Lewis say about travel insurance?

Martin Lewis provides lots of guidance for holidaymakers who are searching for the best deals on their travel insurance. One of the biggest recommendations from Martin Lewis travel insurance advice is ‘ASAB’ (As Soon As you Book), which basically translates to suggesting that you should buy your travel insurance as soon as you’ve booked your holiday.

In an interview on This Morning talking to Martin Lewis about travel insurance, he claims that he is constantly being asked by consumers, “what can I do if I’ve been diagnosed with a medical problem and I can’t go on holiday because my travel company won’t give me a refund?”. According to Martin Lewis travel insurance recommendations, 50% of the value of your travel insurance cover is before you are due to travel.

Top reasons for holiday cancellations before travelling:

  • Sickness or illness
  • Accidents causing an injury
  • Emergency at home
  • Family emergency
  • Work commitments
iaminsured logo

iaminsured.co.uk

https://www.iaminsured.co.uk » guides

Martin Lewis Travel Insurance - iam|INSURED

Is it worth taking out travel insurance?

Almost all financial experts such as Martin Lewis and citizensadvice.org.uk, strongly recommend that you take out a travel insurance policy and that you do it quickly. The financial and emotional impact of not having travel insurance while overseas can be catastrophic if you require medical treatment or if you are victim of a crime.

The cost of travel insurance is generally affordable for most holidaymakers and you should factor this in to the cost of your holiday. Risking not having travel insurance and then having a medical emergency when you are overseas, especially in certain destinations, can cost you thousands.

What does travel insurance cover?

Most travel insurance policies will provide the same core elements such as medical emergencies, repatriation, legal expenses, loss, theft or damage to personal belongings, and cancellation or curtailment of your trip. The types and levels of cover can vary dramatically from one policy to another so you should make sure that you’re getting the cover that you want and that you need.

Also, some travel insurance policies won’t cover you for certain destinations, activities or types of holidays, such as:

  • Cruise holidays
  • Winter sports
  • Worldwide travel
  • Pre-existing medical conditions

Note: Travel insurance will generally exclude any accident or injury that has happened whilst under the influence of alcohol or drugs.

What is classed as a pre-existing medical condition for travel insurance?

According to one of the UK’s top travel insurance providers, Staysure clearly states that ‘you must declare ALL pre-existing medical conditions when your take out a travel insurance policy’. Witholding any information about your health or medical history could expose you to the risks of rendering your cover invalid and therefore class any claims as ‘null and void’.

Any of the following pre-existing conditions must always be disclosed on your travel insurance application:

  • Cardiovascular conditions (e.g. blood pressure, cholesterol, heart disease etc.)
  • Cancer(s)
  • Any Stroke or Transient Ischemic Attack (TIA)

You should also let your travel insurance provider know about any of the following medical investigations, tests or treatments in the past two years:

  • Symptoms (whether or not you have consulted a doctor)
  • Medication or treatments
  • Scans or investigations
  • Medical appointments and check-ups
  • Surgery
iaminsured logo

iaminsured.co.uk

https://www.iaminsured.co.uk » guides

Martin Lewis pre-existing medical conditions - iam|INSURED

How much should I spend on travel insurance?

According to a recent travel insurance survey carried out by Forbes Advisor’s Analysis (Average cost of travel insurance 2023), the average cost of travel insurance is between 5% and 6% of the cost of your trip.

Average Cost of Life Insurance

Average Cost of Life Insurance

The average cost of life insurance is based on your age and your health which are the two main elements to pricing for life...

Martin Lewis Life Insurance

Martin Lewis Life Insurance

Martin Lewis has been quite strong in his views around why some people should seriously consider life insurance and what...

Average Cost of Critical Illness Cover

Average Cost of Critical Illness Cover

Critical illness cover is a good and affordable way to provide extra financial protection for you and your loved ones. Critical illness cover...

Martin Lewis Income Protection

Martin Lewis Income Protection

MoneySavingExpert.com launched in 2003 for just £100. The website has since become the biggest source of free financial guidance to millions...

View All ❯

Our Mission

At iaminsured.co.uk, we believe in much more than just insurance policies; we believe that everyone is unique and should be treated with the fairness that they deserve. We also believe in providing the very best financial protection, and giving you peace of mind to continue with your busy life without the stress or worry of what might happen.

We are dedicated to providing the best outcomes that we can and access to the best insurance solutions in the way that our customers want or need. We understand that everyone is totally unique in how they want things done and their own individual circumstances, which is where our totally unique approach to financial protection is driven from.

  • 100% online protection solutions
  • Top rated advice from the UK’s leading experts
  • Unique specialist protection services for all medical conditions, occupations and activities
  • Lowest prices and affordable cover options guaranteed
  • Dedicated to providing the best protection products for all your needs

With nearly three decades of expertise and established with a commitment to excellence in everything that we do. We have been a trusted partner for thousands of families, individuals and businesses, all with one common goal of looking for the best protection solutions.

Our Mission: To provide easy access to fair pricing, affordable protection and the very best financial security to families and individuals. We are dedicated to offering comprehensive insurance solutions that safeguard the well-being of our policyholders. Guided by integrity, transparency, and a commitment to excellence, we strive to empower consumers and families to face the future with confidence. Our mission is not just about policies; it's about protecting dreams, ensuring legacies, and being a trusted partner on life's journey.

Open chat
How can we help?
Scan the code
Welcome to iam|INSURED 👋

Please feel free to connect with us on WhatsApp so we can help you and answer your questions.

Click “Open Chat” to start.