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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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Co op Travel Insurance Review and Quotes

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Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Co op is the right company to go on holidays with?

In this definitive Co op review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Co op the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Co op travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

3,8 Safe overall rating for Co op

Co op travel insurance reviews by expert and consumers

To check if Co op is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Co op travel insurance cover?

Co op travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

Co-Op's Travel Insurance Policies are available for individuals, couples, groups and families.

Co op single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Co op:

Co op backpacker travel insurance

Backpacker Travel Insurance Policy is available at Co-Op and it comes with the following benefits:

• Up to 18 months cover
• Available across 3 levels of cover: Bronze, Silver and Gold
• Unlimited medical expenses cover
• Up to £450 emergency dental cover
• Up to £40,000 legal expenses cover
• Up to £20,000 personal accident cover
• Optional upgrade covers available such as Winter Sports, Gadgets and Valuables Cover, Natural Disaster, Car Hire Excess Waiver and Hazardous activities cover.

Co op winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available at Co-Op and it comes with the following features and benefits:

• Available across 4 levels of cover: Bronze, Silver, Gold and Platinum
• Up to 17 days cover for Bronze and Silver levels of cover
• Up to 24 days cover for Gold and Platinum levels of cover
• Up to £1,500 for winter sports equipment that you own
• Up to £500 for winter sports equipment that you hired
• Up to £750 to hire replacement winter sports equipment
• Up to £510 ski pack cover
• Up to £500 piste closure cover
• Up to £750 avalanche cover.

What are the other travel insurance options available at Co op?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Co op before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Co op travel insurance?

You'll find below indicative quotes per level of cover at Co op:

It is, however, quite difficult to give precise price ranges as Co op travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Co op?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Co op.

What else should I know about Co op travel insurance?

What are the general exclusions at co op travel insurance.

To be eligible for travel insurance policy at Co-Op:

• You must have lived in your home area for at least 6 months within the previous 12 months to purchasing the policy
• You must take reasonable precautions to protect yourself and your belongings
• You must be transparent with the company about any medical conditions you have
• You must take all reasonable steps to get back any possessions that are stolen or lost which includes helping the authorities to catch or charge the guilty people involved
• You must comply with all the terms and conditions stated in your policy.

How do I get travel insurance quote from Co op?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Co op is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Co op website?

Through the customer portal you can access your policy documents and file for claims. Just log in by entering your policy or quote reference.

How to claim at Co op travel insurance?

There are 3 ways to make a claim and that is online, through a phone call or via email.

How do I contact Co op travel insurance?

Co op contact phone numbers, co op other contact details, how to cancel your annual co op travel insurance policy.

You will find below main information to cancel your travel insurance policy at Co op:

Our opinion on Co op travel insurance

Co-op Insurance is a trading name of CIS General Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

The company offers Single and Annual Multi Trip Policies across 4 levels of cover: Bronze, Silver Gold and Platinum. They also offer Backpacker Travel Insurance across 3 levels of cover: Bronze, Silver and Gold. The maximum duration the Single Trip Policy is 90 days and that of the Annual Multi Trip Policy ranges across the levels of cover with the Bronze covering 31 days, Silver 45 days and the Gold and Platinum levels covering 90 days. The limits offered are also above average with the medical emergency cover being unlimited and the cancellation cover limit being as high as £7,500.

In addition to the main insurance policies, they also offer optional covers such as Winter Sports, Cruise Cover, Gadget Cover, Natural Disaster Cover, Golf Cover, Car Hire Excess Waiver and Hazardous activities cover.

Due to the lack of Defaqto rating and low customer satisfaction rate of 1,4/5 on TrustPilot, we would recommend that you consider other travel insurance companies such as Alpha Travel Insurance, Churchill and Sainsbury's.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Reviews 4.1.

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Friendly and very helpful.

I’ve just spoken to an advisor at Co op Travel Insurance. He was incredibly helpful, understood what was quite a complicated query and came up with an intelligent and logical solution. I would definitely go back to them for insurance in the future.

Date of experience : June 05, 2024

Quick Insurance

The travel insurance was done online. Quick and reasonably priced for 2. Was able to tick for travel insurance documents to be posted as I've no printer. This was a weight of my mind. Also there is a telephone number you can call which is very handy. Satisfied customer.

Date of experience : June 01, 2024

Rent insurance

You can add or remove from the policy for what I won't so cheap got insurance cover for under £8 pound month what more do you need

Date of experience : June 04, 2024

Co-Op Essentials

There is now 2 'streams' to Co_Op insurance. I'm going review 'Essentials' or 'Eco' insurance for Car insurance. They do have a strange way of dealing so far as Certificate of insurance and taking the money from credit card does not occur until after the policy has started. Whilst they try to reassure me that the vehicle is insured for use I'd be much happier if they collected the fees and issued to documentation before the policy starts - even when it's a continuation policy. Until I see that the fees have been collected and I have a policy document I'm not willing to use my car. Morning of 04/06/24 - The certificate is now available for download, which I've done and checking with the bank the fee has been collected. Much happier now. I prefer to receive the paperwork before the renewal date. Interesting to note that the company does read these reviews which has prompted me to add to my review and change the score.

Date of experience : June 03, 2024

Reply from Co-op Insurance

Hello Wilf Thank you for taking the time to leave a review. We're glad to hear you have your documentation. We'll pass your feedback onto our Co op Essentials team regarding processing documents/payments. Sian

after waiting 20 minutes to get through…

after waiting 20 minutes to get through to an adviser, I had a really unhelpful person who just said that the renewal was GBP406 When I asked why it was GBP70 more than last year, I got the response that these were the two cheapest quotes from the brokers. I could tell from the attitude that he was not interested in trying to help me in getting a cheaper quote so I have gone elsewhere and brought it down to GBP300 which I am much more at ease with. Very disappointed as normally the Co-Op in previous years do try their best but I suppose its a way of the times nowadays and the lack of interest from some staff.

Date of experience : June 07, 2024

Thankyou CO-OP insurance.

Thankyou CO-OP insurance, I was concerned about making some changes to the policy I had arranged. You guys made it a painless experience. I was pleasantly surprised that the premium remained same.

Date of experience : May 29, 2024

Good afternoon Mike Thank you for taking the time to leave us such lovely feedback in your 5-star review. It is great to hear that we were able to help to make it a painless experience to make the changes to your travel insurance and that there was no change in the premium. I hope that you have a fantastic time on your travels and thank you for purchasing your cover with us. Kind regards Karen Co-op Insurance team

Travel Insurance, Now Older, needs tweaks

Only just purchased, so haven’t had to use; but the COOP travel insurance offering had the most choice wrt cover packages and there fore cost. Medical tweaks for us was relatively simple and ‘bolt ins’ available. Flexible solutions that, after comparison, are competitively priced.

Date of experience : May 27, 2024

Good afternoon Mr Brown Thank you for taking the time to leave your review. We love receiving such positive feedback about the quote process to purchase your cover. Have a wonderful time on your trip and thank you for purchasing your travel insurance with us. Kind regards Karen Co-op Insurance team

Travel insurance

Travel insurance. Good value for annual travel insurance for a couple. No hassle doing it online. Have had Coop Insurance before but checked eksewhere for better deal. This time Coop was best for me.

Date of experience : May 23, 2024

Cheaper to go annual

I recently went with the Co-op Gold Standard for an upcoming trip to Japan. The quote was over £120 which is much higher than I've ever paid for single trip insurance. That might be because there is more risk in Japan OR the fact I've just turned 50 - unsure! The high price included my Co-op member's discount. After shopping around for the same standard of cover, I soon came to realise that the Co-op quote was actually very good for the level of cover offered. You get what you pay for with insurance and it's very important to compare like for like. Once I'd gone to buy, there was a last minute pop-up on the Co-op site which suggested that an annual policy would actually work out CHEAPER!!!! Which it did, by quite a significant amount. I used the online chat option to double check a few things and provided I wasn't travelling to North America, Mexico and The Caribbean, the cheaper price was correct. I've got two Europe Trips coming up soon too, so this was a no-brainer. Policy documents were emailed within seconds of buying, hassle free process and a very good price - as usual,

Date of experience : May 25, 2024

Good morning Gavin Thank you for leaving us your 5-star review and for the great feedback that you have provided. I am very pleased that when you got your quote for the single trip travel insurance that we were able to provide you with an annual multi-trip cover that was more cost effective and that covers both your trip to Japan and also your trips within Europe as well. We always try to be as competitively priced as possible and our annual policies offer very good value for money. Glad that you received your documents so quickly, and that it was a smooth process to buy the policy online so that you can now relax with the knowledge that you are covered with one of our great products. Have a fantastic time on your travels and thank you for choosing Co-op for your travel insurance. Kind regards Karen Co-op Insurance team

Happy customer

Website was very user friendly. Prices came out very good, very happy with whole experience.

Excellent customer service

Ben was very polite and extremely helpful in providing some good value home insurance for my mum. Excellent customer service from Co/op Insurance….i would certainly recommend.

Date of experience : May 28, 2024

Hello Jill Thank you very much for your 5 star review. It's wonderful to hear your happy with the service provided by Ben. We'll be sure to pass this onto him. Sian

Had a renewal quote for my house insurance that was nearly three times as much as last year. I then found a quote with a different insurer for around one third of the cost and with better features. Co-op then took the money from my account three days before it would have been due, pushing me well in to my overdraft. I had to phone to try to get it back and it will apparently be a few days before they can return it.

Hello When we send the renewal documents, it does explain we will take the renewal payment 3 days before the renewal date and asks for you to contact us before this date, so we can stop the renewal of your policy if you don't wish to go ahead. One of our team will be in touch to discuss this with you. Sian

Super Service

A very patient, knowledgeable and polite operative led me through a searching series of questions about our dog and gave us a very reasonable quote which wetook up. Very pleased with the whole process.

Date of experience : May 21, 2024

AVOID!!!! AWFUL PET INSURANCE

Absolutely disgusting how long it takes to process claims at this company. It’s now been 7 weeks since I’ve put in a claim and 4 weeks for another and have not heard anything at all. I’m now incurring credit card charges due to their incapabilities. Thankfully my bills are under £1k but I can’t begin to imagine if it would have been thousands of pounds and having to wait months for them settle. I have 3 animals with this pet insurer and I’ll be moving 2 of them to an actual RELIABLE company. AVOID!!!!

Date of experience : May 30, 2024

Good morning Thank you for taking the time to leave a review. I’m sorry for any delays you may have experienced with the claims process. We strive to provide excellent customer service in a timely manner and I truly apologise for the frustration this has caused. I understand you have been in contact with a member of our complaints team, I hope we've been able to assist you. Thank you, Billie

I was quoted a renewal premium by phone

I was quoted a renewal premium by email. I checked my details and changed from 'Not occupied during the day' to 'Occupied 24 hrs'. Also I now have an outside security camera so changed that. Both these facts should mean my premium should go down. Instead I was quoted £20 MORE on my premium!

Date of experience : June 02, 2024

Good Afternoon, Thanks for taking the time to leave us your review. We're sorry to hear your premium increased when you made changes to your policy. When you make a change to your renewal, the policy will re-rate the price based on the current rating factors. Thank you for renewing with us. Leanne

Very helpful staff

Very helpful staff, dealt with our complex case very professionally and in a very friendly manner.

Hi Mark, Thank you for taking the time in leaving us a 5 star review. We're pleased to hear that you were happy with the customer service received. We appreciate your positive feedback. Thanks Saz

Brilliant one of a kind

This is brilliant and the only one of its kind I’ve seen so far

The wrong contact number is on the…

The wrong contact number is on the emailed Policy renewal documentation. The call handler said I was through to the wrong number and my Policy number was not right for her to deal with. I was put through to another number and had to listen to all the preamble message yet again. I was not best impressed.

Date of experience : May 31, 2024

Good Afternoon Margaret, Thanks for taking the time to leave us your review. We're sorry to hear you got through to the wrong team initially. We will be sure to check the number on the documents. We hope everything was resolved for you. Leanne

stright foward easy to understand and…

stright foward easy to understand and quick to set up great value compared to many others i viewed no stress and really helpful staff if needed

Date of experience : May 15, 2024

Good afternoon Simon Thank you for taking the time to leave us your review. I am really happy to hear that it was straightforward and easy to set up your policy and that the price was great value in comparison to other providers. We always want to provide the best customer experience and I am pleased to hear that the staff were really helpful. I hope you have a wonderful time on your travels and thank you for purchasing your cover with us. Kind regards Karen Co-op Insurance team

The claims department are extremely friendly, and calming in what is a stressful situation. I never felt rushed when asking several questions and ringing many times was never seen to be a problem. Lawrence and Rachel are extremely professional and excellent in what they do. Thank you for helping to make an extremely stressful situation better and easy to deal with.

Date of experience : April 12, 2024

Hi Sarah, Thank you for taking the time in leaving us a 5 star review. We're pleased to hear that you were happy with the customer service received and you had a good experience with us. We appreciate your positive feedback. Thanks Saz

The next date for your diary:

ProtectZ 19th June 2024

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Co-op Travel Insurance

March 2018 Co-Operative: Other

Co-op Insurance has launched a travel insurance product that offers cashless medical expenses cover for all ages and medical conditions, which means customers will not have to pay out themselves for any medical treatment upfront.

A survey by Co-op found 62% of holidaymakers who have claimed on their travel insurance said they had to cover the costs upfront themselves and then claim these costs back at a later date.

With the average travel insurance claim now being £2,090, a quarter of those polled (26%) had had to turn to family members to borrow money in order to pay for their healthcare treatment. A further one in four (25%) had to take money out of their savings and one in ten (10%) ended up in debt.

The Co-op product also offers access to an online medical consultation with a doctor, 24/7, from anywhere in the world. Users can receive prescriptions, referrals and fit-for-work notes in this way too.

Comment: Mark Summerfield, chief executive of Co-op Insurance, said the company had recognised a gap in the market and it was the first general insurer to pay medical expenses up front, ensuring its customers were not left out of pocket at what can already be a stressful time.

Given that private medical insurance (PMI) has long paid direct, leaving customers with nothing to pay out of their own pocket, that is a surprising claim. However, this new approach is a very logical and doubtless very welcome move that is sure to be followed by other travel insurers too.

Looking at the wider implications, for health insurers, it has always been a surprise that many help their customers only as long as they stay in the UK but then abandon them as soon as they go abroad – even on a day trip. A PMI linked travel policy is not new but this angle could encourage more PMI insurers to look at this market too.

Certainly, cashless medical expenses cover should be popular with many customers.

Plus points: Travel insurance that doesn’t require customers to pay first, then claim back.

Not so plus points: Many travel insurance customers may not even realise that was how travel insurance often worked.

Website: http://www.co-opinsurance.co.uk .

Rating (max 10): Innovation:  8. Overall: 8. Gold

Tags: Other; Co-Operative.

• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Our Picks for the Best Travel Insurance Companies

Best overall: nationwide travel insurance.

• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance

Best for Road Trips: Travelex Travel Insurance

How we rate travel insurance »

Compare the Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review here.

Best Travel Insurance Runner-Up: AXA Assistance USA

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review here.

Best for Cruises: AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review here.

Best for Reputation: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review here. 

Best for Pre-Existing Conditions: Tin Leg Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review here.

Best for Digital Nomads: WorldTrips Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
• con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
• con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
• con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

• Travel medical insurance (Premium, Group, Annual, and International Student options)
• Trip cancellation insurance
• Trip protection insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review here.

Best for Affordability: Trawick International Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

Trawick International Travel Insurance is another insurance provider with robust medical travel insurance  that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance  offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review here.

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Travel Insurance

Great value travel insurance from your co-op travel.

We have worked hard to ensure that Your Co-op Travel Insurance offers the cover you require, so all you have to think about is what to pack!

• If you would like information about COVID-19 Cover please click here

Single Trip Travel Insurance

With destinations from the Balearics to the Caribbean, and Spain to the Maldives you need to ensure that you have the right level of insurance for your holiday. With our single trip insurance you can be confident that you have the cover you need for the duration of your holiday, from 3 days to 3 weeks or more!

With European and Worldwide cover available, our single trip travel insurance is a travel essential when travelling to one of our covered destinations. . If you’re taking the family, then remember that children under 2 will be insured completely free of charge too.

Single trip insurance includes:

• Cancellation and Curtailment (Up to £5,000)
• Medical Expenses (Up to £5,000,000)
• Personal Possessions (Up to £1,500)
• Winter Sport & Cruise Cover can be added for an additional premium on our Economy and Premier levels of cover. 
• Winter Sports, Cruise Cover, Golf Cover, Wedding Cover, Business Cover Included free on our Super Cover
• Gadget Cover (Up to £3,000)

There is a 24hr emergency helpline  for you to contact us. Your Coop Travel Insurance policies cover up to and including the age 79  on the date of purchase, should you be older when you travel you are still covered.

Many activities are also covered including; Snorkelling, Water-Skiing, Cycling, Golf, Fishing, Hot Air Balloon rides and lots more. For a full list of activities covered under this policy please refer to the Policy Wording .

Your Coop Single Trip Travel Insurance will provide you with comprehensive cover and you’ll be able to remember your fantastic holiday for all the right reasons!

Don’t leave your summer or winter holiday to chance, make sure you take out Your Coop Travel Insurance today – Get a quote now!

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Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (FCA No. 300317).

Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487, with a registered head office at 7 Boulevard du Régent, 1000 Brussels. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter Partner Assistance S.A. is registered in England with its registered address at 106-118 Station Road, Redhill, RH1 1PR (UK branch registration number: BR000947). Inter Partner Assistance S.A. has a share capital of EUR 130,702,613.

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Best co-op insurance companies

The issue of insurance can be super straight forward if you own a home or rent an apartment. In this case, it’s easy to figure out what type of insurance you need.

Homeowners get homeowners insurance and renters get renters or tenants insurance.

But what type of insurance do you get if you own shares in a co-op building? Not everyone knows that co-op insurance exists to meet this type of insurance need.

As you might imagine, co-op insurance is a tad more complex than homeowners or renters insurance because of the way co-ops are structured. Let me start by saying that you’ll need to do some digging to find out exactly what coverage you need. 

I’m going to start off by sharing what I think are the companies that offer the most attractive co-op insurance, and then help break down everything you need to know about co-op insurance.

Best co-op insurance companies overview

This may seem like a strange ‘best of’ category for any type of insurance. And that’s because it is. Whereas most  insurance companies exist to turn a profit for their owners and shareholders, Lemonade aims to turn a profit and  focuses on giving back.  Lemonade takes a flat fee off your premium, and  any money left over after paying out claims is donated to causes policyholders care about. 

Lemonade calls this giveback, which is as you can imagine, pretty unique to Lemonade. It makes them the best co-op insurance for insurance that gives back.

Co-op insurance with Lemonade covers 5 main areas: dwelling, personal property, loss of use if you can no longer live in your co-op, personal liability, and medical payments to others. You can get a quote from Lemonade quickly if you live in Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin.

If you own a co-op in NY, CA, TX, IL, PA, DC, or NJ, and rent out your property less than 5 times a year, Lemonade provides landlord insurance which will protect your property and the stuff you own, but does not protect your tenant.

Policygenius

While Policygenius doesn’t actually offer co-op insurance policies themselves, I’ve included them as the best co-op insurance option for multiple quotes.

Policygenius  is an insurance broker. This means they work with several insurance companies to find you the best co-op insurance for your situation.

You only have to fill out one application. After your application is submitted, you’ll get many quotes from different insurance companies. This saves you both time and potentially money, as well.

While Policygenius doesn’t offer a co-op insurance category on their site, you can get quotes through either homeowners or renters insurance based on your particular co-op and your needs.

» MORE: Read our full Policygenius review .

If you prefer to go the traditional insurance route, State Farm is a large and respected insurance company. 

You can get co-op insurance quotes online or at your local  State Farm agent’s office if you prefer. 

Sometimes there are benefits to having a local agent you can talk to when you have problems. That’s why I included traditional insurance, such as State Farm, in my best-of list.

Get a co-op insurance quote with State Farm today.

If you serve in the United States military or are a family member of someone who has, you may qualify to become a USAA member. USAA’s insurance options, including co-op insurance, are for members only.

If you do qualify, one of the major benefits of USAA is they understand the lifestyle their members live since they’re all connected to the military in some way. This includes having to move across the country multiple times over a career.

Their customer service is top-notch and they can help you figure out how to help with your unique situations as a military member. Other insurance companies may not be able to relate to the lifestyle or the needs like USAA can.

What is co-op insurance?

Co-op insurance can be difficult to understand. In a traditional co-op arrangement, a corporation owns a building. 

Individuals own shares of the corporation that allow them to live in individual units within the building. However, the individuals don’t own the units, they only own the shares of the co-op.

When it comes to insuring co-ops, it can be done in different ways. The corporation normally has a master co-op insurance policy that covers all of the common areas and certain other aspects. 

Unfortunately, the master co-op insurance policy may vary from co-op to co-op, so you need to read it to understand what is and isn’t covered.

Some co-op master insurance insures walls and fixtures

In some cases, co-ops may insure the building as it was originally built, including walls and fixtures within an individual unit. 

Fixtures usually include items that are physically attached to the building such as light fixtures, cabinets, and countertops. That said, items that aren’t attached, such as personal belongings and sometimes appliances, aren’t fixtures. 

If changes are made to the unit or fixtures, they may not be insured beyond the value of the original configuration of the unit. If you buy into a co-op and live in an updated unit, the updates may not be insured at their new value under the master policy.

Other co-op master policies may only include common areas

Each co-op may have different types of insurance policies that cover different things. Other co-ops may state that the people that live in the units are responsible for everything from the walls in, including fixtures such as cabinets. 

In these cases, co-op insurance master policies typically focus on insuring the structure of the building, the exterior of the building and the common areas. They also likely include liability insurance for the insured areas, but not within your unit.

Understand what your co-op’s master policy insures

For that reason, it’s important to carefully read your co-op corporation’s master policy to see what is and isn’t covered by it. 

Insurance policies can be confusing, so you may also want to go over the master co-op policy with your insurance agent. Insurance agents are used to reading these complicated policies and can help you determine the coverage you need.

Once you understand what isn’t covered by the master policy, you can figure out what type of co-op insurance you need to cover your investment.

Differences between co-op insurance and homeowners insurance

If you’ve owned a home in the past, you may think co-op insurance and homeowners insurance should be pretty similar. While they do share some common characteristics, they’re very different at the same time.

In a traditional homeowners insurance policy, the structure, personal property, and liability are covered. Homeowners would potentially have to rebuild their entire home in the worst-case scenario. 

Co-op shareholders would only be responsible for replacing their unit from the walls depending on the master policy. In some cases, your individual co-op insurance policy may only have to cover personal belongings, updates to the unit and liability within the unit.

Either way, individual co-op insurance policies typically don’t have to rebuild the main building structure, which is one of the more expensive factors. This means co-op insurance policies tend to be cheaper than homeowners insurance.

Why you may need co-op insurance

Since the master co-op policy won’t cover you completely, you need to purchase an individual co-op insurance policy. Individual co-op insurance can protect you from liability of accidents within your unit as well as cover your belongings and upgrades to your unit. 

If your master co-op policy has exceptions such as no water damage, flood or earthquake coverage, individual co-op policies may be able to insure you for these issues. 

If your master co-op policy doesn’t have enough coverage or has high deductibles, it is possible certain individual co-op insurance policies can help you cover these costs.

What does your individual co-op insurance policy cover?

Figuring out what your individual co-op insurance policy covers will depend on the particular policy you buy. Here are some guidelines to help you get started.

If your co-op insures most everything

If your co-op master policy insures your building, the walls of your unit and your fixtures, your individual co-op insurance policy may not have to.

Instead, your individual co-op insurance policy will focus on protecting your personal belongings, called personal property, and any liability you may have.

In this case, it often makes sense to get tenants or renters insurance policy. These policies provide coverage for personal property and liability.

Carefully examine the limits of coverage you choose. Liability coverage kicks in when something happens within your unit that could result in a loss to you. For instance, if someone slips and falls and has to go to the hospital, liability insurance may cover their hospital bills.

Pay attention to your personal property limits, as well. If a fire burns down your unit and all of your belongings, it can get expensive to replace them. 

You can accumulate a lot of stuff over time and it’s easy to forget how much every little thing costs. When you have to replace it, you may realize you didn’t have enough coverage.

Make sure you understand if your policy offers loss assessment coverage. Loss assessment coverage can cover you if your master policy doesn’t have enough coverage for a potential loss. It may also cover you if something happens in your co-op that the master policy doesn’t cover, such as an earthquake or water damage.

When this happens, your co-op may create an assessment that charges all co-op owners a portion of the loss that wasn’t covered so repairs can be completed or the liability owed can be paid.

If your co-op coverage stops at your walls

If your co-op insurance stops at your walls, you’ll need a more in-depth policy. In addition to the personal property and liability insurance discussed above, you’ll also need coverage to rebuild the inside of your unit.

This insurance will be more costly because of the extra insured costs. Make sure you purchase enough coverage to replace your unit as it stands now, not as it was originally built. 

If you make changes that increase the value of your fixtures, be sure to increase your policy coverage, as well.

What co-op insurance doesn’t cover

Your individual co-op insurance policy may not cover every possible claim. For that reason, it’s extremely important you read the boring and dry insurance policy. The policy may be boring, but it details everything your policy does and does not cover. 

If you find a gap in your policy, such as water damage, earthquake damage or flood damage, consider getting insurance to cover the gaps in your policy. 

Your current policy may offer riders that add these coverages to your policy at an additional cost or you may have to buy a separate policy to cover some of these items, such as floods.

Your insurance policy will only cover you up to your limits. Any claims above your limits will not be paid out. If you have $50,000 of personal property coverage and $100,000 of your personal property is burned in a fire, you’ll only receive $50,000 less your deductible.

Read more: Does Renter’s Insurance Cover Flood Damage (And Other Natural Disasters)?

What to look for in co-op insurance

When you’re looking for any insurance policy, including co-op insurance, you need to carefully consider who you purchase your policy through. Make sure the company has a strong financial rating, which means there should be a high likelihood they’ll be able to pay out your claim.

You also want to take a close look at the policy itself to make sure there aren’t a ton of exclusions and it covers what you need it to. 

Make sure your policy covers what your co-op’s master policy doesn’t. If there are many exclusions your rate may be lower, but you may not have the coverage you need when it comes time to make a claim.

Don’t forget to look at customer service ratings, as well. If you have to make a claim, you’ll most likely be in a stressful situation. Companies with great customer service and a history of not arguing over the claim amount may be worth paying a little extra for.

How are co-op insurance rates determined?

Co-op insurance rates take a wide variety of factors into consideration when determining your rates. Each insurer has its own formula for calculating rates, so you may find different rates for the same coverage at different insurers.

Two of the biggest factors considered are the amount of coverage in your policy and the risk that the insurance company will have to pay out a claim. 

This makes sense when you think about it. The lower the policy coverage and the lower the likelihood of a claim, the less insurance companies will have to payout.

Insurance companies use a number of factors to come to these determinations including location, local statistics, your past claim history, the property’s past claim history, the age of your co-op, features of your co-op that may reduce the likelihood of damage or claims, such as fire sprinklers, and more.

If you are considering buying into a co-op or already own shares in a co-op, make sure you understand the co-op’s master insurance policy and the coverage you need. 

Get quotes today to make sure you’re properly covered and to see if you might be able to save money by switching to a different insurance company.

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Co-op Insurance   Reviews

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Reviews 4.1.

1,673 total

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Cost effective Co-op travel insurance

Haing tried to arrange holiday travel insurance with other providers including Saga and Staysure yesterday we hit on the Co-op website. It's much easier to navigate and much less intrusive on medical information. Better still as Co-op members we received a discount bringing the price down to half that of their competitor's... Win win!

Date of experience : 11 May 2024

Reply from Co-op Insurance

Good morning Bob Thank you for taking the time to leave such a fantastic 5-star review. The feedback that you have given us is great to hear and we are very happy to hear that we were able to provide a discount due to you having a Co-op membership. We want to provide the best price that we can for our great products. Thank you for choosing us for your travel insurance and I hope that you have a wonderful time on your travels. Kind regards Karen Co-op Insurance team

Disgusted !!! bad show Co Op

Disgusted that I received my renewal quote 1 month after it had been posted out to me , therefore no time to shop around . I received no email informing me of the change to a brokerage . My insurance has doubled , even though I have made no claims in 3 yrs , have 8 yrs no claims , and changed my career from a chef to an assistant manager . I was given no explanation by the broker as to why the premium increased due to my career change ( it went up by 10.00) no reward for honesty there is there ? I changed my car insurance to the Co Op because they gave personal service after I had had to deal with a broker before . I have banked with them for years , refusing to switch to other banks when offered rewards to do so , i am a co op member and travel with them, I was not notified by them that the personal service had now stopped and a broker had taken over . I am now stuck in an overpriced policy for another year , until I can switch to an another insurance company. I feel totally ripped off ! and the female broker needs to polish up on her personal skills as well as customer service skills , she was like a robot ! Absolutely disgusted ! Update : The day after leaving the above review I received a call from the Co-op and the gentleman left a voicemail informing me that they would call again , so far I have not received another call . Unfortunately , I go to work and was unable to answer my phone when he called . I am disappointed that there has been no further attempt to contact me

Date of experience : 03 June 2024

Hello We're so sorry to hear your renewal premium has increased. One of our team will be in touch to discuss the call you had with one of our colleagues. Sian

Fabulous experience

My Experience was a great one. No fuss friendly person. Person - centred approach. Good communication very understanding read all documents with good grahammer. Checked documents were correct before taking payment. Very good communication skills followed with exceptional listening abilities. Thank you COOP.

Date of experience : 24 May 2024

Hi Brenda, Thank you for taking the time in leaving us a 5 star review. We're pleased to hear that you were happy with the customer service provided. We appreciate your positive feedback. Thanks Saz

Straightforward process

It was a very simple and straightforward process; the questions flowed well.

Date of experience : 23 May 2024

Good afternoon Julie Thank you for leaving us your review. I am really pleased to hear that it was a very simple and straightforward process to get your travel insurance cover and that the questions that we asked as part of that process allowed the customer journey to be smooth. I hope you have a great time on your trip and thank you for choosing Co-op for your travel insurance. Kind regards Karen Co-op Insurance team

The service was good online and great…

The service was good online and great on the telephone

Date of experience : 31 May 2024

Excellent and efficient as always

Excellent and efficient as always for Co-op insurance. After amending/correcting some of the details even found that the figure was less than that which was at first quoted on notice for renewal. The agents are always friendly as well.

Date of experience : 30 April 2024

Hello Thank you for sharing your experience with us. We're so pleased to hear the price went down for you. Thank you for renewing with us for another year, we really appreciate it :) Sian

Sarah was very helpful

Sarah was very helpful, listened to my concerns and carefully noted all details, also very friendly and patient

Date of experience : 22 May 2024

Good morning Maureen Thanks for taking the time to leave us a 5 star review! We're pleased to hear you're happy with the customer service provided by Sarah. Thank you for your custom. Leanne

Easy to use site

As a CO-OP member second time of using, liking the 10% off also as I am just over 70 and they cover this. The level of 3 different types of cover were well set out and easy to look at and we're not overly expensive. I compared to others and found it was a good price.

Date of experience : 07 May 2024

Good afternoon Diana Thank you for leaving us such a great 5-star review. I am very pleased to hear that you were happy with our policy levels as we are very proud of the products that we provide and always want to be as competitively priced as possible. It is great to hear that we were able to provide you with a discount due to having a Co-op membership. Have a fantastic time on your travels and thank you for buying your cover with us. Kind regards Karen Co-op Travel insurance.

Easy to use, competitive service. Recommended.

Bought my husband's travel insurance and was impressed by the ease of obtaining and price of his policy. Having had health issues recently I thought I'd try. The cover offered was excellent at a very competitive price. Would certainly recommend the Co-op for travel insurance and will be trying them when other insurances come up for renewal.

Date of experience : 26 April 2024

Good afternoon Tonita Thank you for taking the time to leave us such a wonderful 5-star review and for the fantastic feedback that you have provided. It really makes us happy when we hear that we were able to provide you with a competitive price for our great coverage. Thank you for buying the travel insurance with us and I hope that your husband has an amazing time of his trip. Kind regards Karen Co-op Insurance team

It was quick and easy to apply .And very reasonable .

Date of experience : 01 June 2024

Very competitive rate particularly when…

Very competitive rate particularly when you are a Coop member and double excess amount.

Date of experience : 28 May 2024

Good afternoon Steve Thank you for taking the time to leave us your review. It is lovely to hear that you found the price of the quote to be competitive and that we were able to provide a discount due to you having a Co-op membership. Thank you for buying your travel insurance with us and I hope that you have a great time on your travels. Kind regards Karen Co-op Insurance team

Straightforward online process

Straightforward online process. When I wanted to check about medical queries, the person on the phone was very helpful

Date of experience : 06 May 2024

Good afternoon Sheila Thank you for taking the time to leave us your 5-star review. We are very pleased to hear that it was a straightforward process to get your quote via our website. As a company we always aim to provide an excellent customer experience and it is great to hear that the person that you spoke to was very helpful. Have a wonderful time on your trip and thank you for purchasing your travel insurance with us. Kind regards Karen Co-op Insurance team

I found the forms easy to fill out…

I found the forms easy to fill out ,very well explained,

Date of experience : 06 June 2024

It was easy to purchase the policy on…

It was easy to purchase the policy on line, and make the payment. But of course lets see what happens if we need to claim. They state ( we are here if you need us,) as most insurance companies do. I hope we do not need them.

Good morning Thank you for taking the time to leave us your 5-star review. I am very pleased to hear that it was easy to purchase and make payment for the policy via our website. I am confident that in the event of a claim that you will also be happy with the service that you receive. Thank you for choosing Co-op for your travel insurance and I hope that you have a great time on your trip. Kind regards Karen Co-op Insurance team .

Customer service was excellent

Customer service was excellent. Everything was explained clear and precise. Thank you

Date of experience : 27 May 2024

Hi Margaret, Thanks for taking the time to leave us a 5 star review! We're pleased to hear you're happy with the customer service provided. Thanks for your positive feedback and your custom! Leanne

Excellent customer service

The process of organising the insurance was speedy and straightforward. I was offered a speedy response too to a follow-up query and request.

Date of experience : 15 May 2024

Good afternoon Thank you for taking the time to leave us your 5-star review. I am very pleased to hear that the process of organising your travel insurance was speedy and straightforward as we want that process to be as smooth as possible. We pride ourselves on wanting to provide great customer service and I am happy to hear that we were able to offer a speedy response to a follow-up request. I hope that you have a fantastic time on your trip and thank you for choosing to purchase your travel insurance with us. Kind regards Karen Co-op Insurance team

Very competitive price

Very competitive price. Easy to use website. Have gone with the Co-Op the last few years.

Date of experience : 19 May 2024

Good afternoon Helen Thank you for leaving us your 5-star review and for the feedback that you have provided. It is wonderful to hear that you found the price of the policy to be competitive and that the website was easy to use as we want the quote process to be as smooth and user friendly as possible. Thank you for your continued custom and have a great time on your trip. Kind regards Karen Co-op Insurance team

Co op pet insurance

Co op pet insurance been waiting 12 weeks for them to access my claim absolutely disgusting customer service when rang were not helpful at all and were quite rude I asked for a manager to ring back but never happened would definitely would not recommend

Date of experience : 04 June 2024

Good morning, Thank you for taking the time to leave a review. I’m sorry to hear that you have experienced delays with your claim. We strive to provide excellent customer service in a timely manner and I truly apologise for the frustration this has caused. We have requested more information from you to enable us to investigate and resolve your concerns as soon as possible. Thank you, Billie

Annual travel insurance for elderly.

Bought this week, searched many websites, and quite shocked at some of the quotes I was given. We are fit elderly people on medication for minor illnesses, and was quoted horrendous costs. The Co-op made buying our travel insurance easy and at a reasonable price too.

Date of experience : 08 April 2024

Good morning Nancy Thank you for taking your time to leave us your 5-star review. It is so good to hear that we were able to make the purchase of your travel insurance easy and that the price for the cover was reasonable. We always want to try to be as competitively priced as possible. Kind regards Karen Co-op Insurance team

I am 92yrs old and live alone

I am 92yrs old and live alone, I recently got my Co-op House insurance renewal policy letter, last year (2023) I paid £151 and this year it had gone up to £904. I have never claimed on a house insurance policy for over 60yrs since I have lived here! I rang them suggesting there must be some mistake, the call handler originally started to laugh and said let’s have a look at this, is it about the price you are phoning about? She then went on to say it’s nothing to do with the Co-op, they have 3 brokers who deal with the house insurance and one of them called ‘prestige’ had sent that quote, she had a look at another one and said we can do it for £354. I politely told her where to take her house insurance and stated that the letter I received was headed by Co-op insurance and not once did it state any other company involved! This is absolutely disgraceful behaviour from a well established company that I have trusted for many years, I may have been on automatic renewal and at 92 you find it harder to deal with these kind of issues. Never again will I trust the Co-op and I was born in the birthplace of the Co-op and grew up trusting their policies! My son helped me change over to the Swinton house insurance company and my premium is now £136. Disgraceful behaviour by Co-op! I have edited this to update people on this incident, they have NOT contacted me to discuss this matter, it’s just another way of them trying to show they care for anyone reading this review! Pretending they are concerned!

Date of experience : 30 May 2024

Good Afternoon, Thanks for taking the time to leave us your review. We're sorry to hear your premium has increased this year. The price is based on various risk and rating factors which change daily and can fluctuate the premium. We will call you to discuss this further. Leanne

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Cooptravel   Reviews

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Reviews 2.3.

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Do not take clients money and not…

Do not take clients money and not deliver shortly you will be in the papers - you have a duty of care the money is paid to you, not the supplier that is your supplier, you are an absolute disgrace of an organisation, and need to be closed down ruining peoples holidays Co-op travel, taking money and not providing the services.

Date of experience : May 16, 2023

Reply from Cooptravel

Our records show this has been dismissed. This is not a Midcounties booking, but was a a package with a third party not Midcounties Coop. Kind regards, Your Coop Travel service team.

Following a claim after a holiday the…

Following a claim after a holiday the beginning of May I am unable to get hold of anyone and emails go unresponded to apart from an automated response to say it is received. The one contact by email I had asked for things a month after I'd provided them already so I already guessed then that nothing had progressed It says someone will contact you and no one does . You are unable to speak to anyone by phone. It makes an already horrible experience worse.

Date of experience : August 01, 2023

Thank you for your feedback. Please be advised we are Midcounties Co-operative Travel, an independent travel agent. If you query is in relation to travel insurance you would need to contact the company who you purchased travel insurance. The coop offer travel insurance, however they are a separate business to ourselves based in Manchester. I hope this helps. Kind Regards, Your Coop Travel service team.

BUYER BEWARE!

Avoid trade at all costs with these shambolic imbeciles, they couldn’t book an appointment, let alone a holiday. Thick staff did not send out documents and holiday was a complete disaster. Refused to honour price match guarantee. Lied about booking details and continue to lie, and refuse to accept responsibility for their procedural errors and deplorable service. So called customer services are as thick as dense fog, just don’t get it, don’t understand plainly worded English, you could draw them a diagram, they still wouldn’t. The negative reviews on here are to be heeded.They are honest and telling. Take to court guaranteed win, AVOID LIKE COVID

Date of experience : June 18, 2022

Good afternoon, Thank you for your feedback. We are sorry to hear you have been unhappy with the service you have received and experienced issues whilst away. So we can look into this for you further. Please contact our customer service team by email to [email protected] We will be happy to look into the matter for you. *Please note in regards to your updated comment- our customer service team have received no phone call or email in regards to this comment.* Kind regards, Your Coop Travel. Customer Services.

Coop Travel Derby Branch

Coop Travel Derby Branch Sagar at the Derby Branch was extremely thorough when dealing with our booking. He recommended Cyprus and Dome Beach Hotel. He sorted everything out including booking our seats going our and returning. He resolved all our questions which made the holiday effortless. We will definitely call Sagar for all future holidays. Manoj & Sonal

Date of experience : July 03, 2022

Thank you for taking the time to write to us Manoj. I was delighted to read of the outstanding service you received in our Derby travel branch and of the extra touches provided by Sagar. I am pleased Sagar was able to assist with your query. I shall ensure that your comments are passed to the members of staff concerned alongside Sagar's regional manager. Thank you taking the time to contact us, I hope that we will have the pleasure of assisting you with your travel plans in the future. Kind regards, Your Coop Travel, customer services.

Co op travel Sutton coldfield

Brought a holiday. Then the following day needed an alteration. Checked online and it was only £24 extra to upgrade the room...tried amending ticket myself online but you can only do changes through agent...went to agent who said prices are different online and then quoted the alteration as £175 through co op...asked if I can get a refund, they said if I do I'll loose the deposit which was the full price of the ticket! So in hine sight best to miss out the middle man and buy direct through Jet2 or whoever your flight is with online

Date of experience : June 15, 2023

Thank you for sharing your feedback. I am sorry to hear you were dissatisfied. Please be advised the price is dictated by the tour operator. Midcounties are the agent only. If you would like us to look into this further please contact our service team- [email protected] Many thanks. Your Coop Travel customer services.

Grantham Store

Used Grantham store on countless occasions. Nothing is too much trouble. I normally use Hannah who is totally professional and can be relied on to carry things out. Hopefully we will continue to use them and keep receiving an exceptional service. Only one thing missing is a coffee machine.

Date of experience : November 10, 2022

Dear Mr. and Mrs. Lambley, Thank you for getting in touch and taking the time to share your feedback! Customer satisfaction is our top priority and it is always a pleasure to receive comments from our customers who are happy with the service we provide. I shall ensure that your comments are passed to the members of staff concerned alongside Grantham's travel stores- regional manager. Thank you once again for taking the time to contact us. I hope that we will have the pleasure of assisting you with your travel plans in the future! Best wishes, Your Coop Travel, customer service team.

Spalding co-op Travel Agents

Visited our local Coop travel agents to book a holiday in October. We was greeted by a representative who never smiled once. We explained what we was looking for and throughout our time there she never smiled engaged in any conversation and didn’t appear to want to help. She made both me & my husband feel uncomfortable and unworthy. We left after 20-30 mins due to this with no holiday booked. Disappointing customer service.

Date of experience : June 04, 2022

Harwich coop, dont bother booking there

Harwich coop So after my mums holiday wasnt arranged properly and didnt get picked up from airport as arranged, after 20 phone calls to shop i was forced to visit and they wonder why i got irate after listening to their pack of lies. Low and behold the same happened on return journey and they didnt care, had two weeks to sort out and still couldnt be bothered, staffs attitude was terrible. Get a cab and keep receipt was their reply to my elderly mother.

Date of experience : May 11, 2022

Good afternoon, Please be advised the Harwich Coop store you refer to is not a Midcounties Co-operative Travel store. You may wish to contact the store where your booking was made. Alternatively I believe they are part of East of England Coop travel, if you wish to contact them. In closing I hope this helps and that you are able to achieve a suitable outcome. Kind Regards, Holly Mancini Customer Service Executive for the Travel Division. Midcounties Co-operative Travel.

Booked a holiday in May that never…

Booked a holiday in May that never happened. Tried to claim compensation for parking and was first told we would get £200 each in refund then told it would be vouchers September and still being fobbed off It’s a joke could and will do a better job myself Will never use again Manager is right miserable thing too terrible customer service

Date of experience : August 31, 2022

Thank you for taking the time to contact us. We are sorry to hear you had issues with your parking. Please be advised Coop Travel do not provide parking this is booked through a third party supplier. Should you still require assistance with this, please contact the travel store who made the booking for you. One of our colleagues will be more than happy to help. Kind regards, Your Coop Travel, customer services.

Definitley won't be using CO-OP insurance for anything

I first purchased travel insurance with CO-OP in 2019, we were meant to go on holiday to Mauritius in 2020. Due to COVID restrictions we wasn't able to fly. The travel company refunded any monies paid. with no issues. Tried to cancel the insurance was a totally different matter. I ended up just letting it go, even though I know I shouldn't Then bought travel insurance for our next trip in October 2022. type of cover was Annual Multi-trip (Gold). 3 days into our holiday my wallet was stolen. Made the claim when I got home, thinking as I purchased the gold option there would be no problem with my claim. How wrong was I After going through all the forms submitted police reports, proof of monies drawn out etc. Was told that the money was not attended by myself and not in your locked accommodation, therefore I am unable to consider your claim any further on this occasion. How am I supposed to pay for anything outside of my accommodation without my wallet?? Is theft not covered then ??? Will I be using CO-OP travel insurance again.... No If anyone asks me is CO-OP travel insurance good to use....NO

Date of experience : April 17, 2023

Worst experience of a travel insurance…

Worst experience of a travel insurance company. Absolute catalogue of errors. Cancelled my policy on the day of my 4 month trip without my consent. Ended up having to buy 3 policies with 2 being refunded. Staff seem to put you on hold every 2 minutes was on the phone for over 2 hours in total. The last thing I need before a once in a lifetime holiday. I wouldn’t recommend. Absolutely terrible.

Date of experience : October 31, 2019

Recently booked with Burntwood branch…

Recently booked with Burntwood branch and I highly recommend them . From start to finish I recieved friendly helpful assistance and everything was sorted for me will definitely use again . Thank you

Date of experience : July 24, 2023

Thank you for taking the time to share your experience. Its a pleasure to read that you received friendly service from start to finish. We look forward to helping with your travel plans in the future. Kind regards, Your Coop Travel Service Team.

Coop Travel Market Harborough

Hopefully this is the correct Midcounties Coop travel company ?? I cannot fault the Market Harborough Branch. The staff are extremely good and thorough when dealing with my bookings and this is the reason why i will not go anywhere else. If I have any queries or problems regarding any parts of my holidays, they always deal with them very quickly. This is why I book with people that you can talk to (face to face) not a faceless web site whith no one to take ownership.

Date of experience : July 23, 2021

Thank you for taking the time to contact us and share your feedback. I am delighted to read of the outstanding service you received in our Market Harborough Travel Branch. Our travel agents are there to provide face to face service and ensure that your holiday is tailored to your needs. Alongside answering any queries you may have. Its always a pleasure to to receive such positive comments from our customers who are happy with the service we provide. I shall ensure that your comments are passed to the members of staff concerned alongside their manager and regional manager. Thank you once again for taking the time to contact us, I hope we will continue to have the pleasure of assisting you with your travel plans in the future. All the best and safe travels. Kind regards, Holly Mancini Customer Service Executive Customer Services Department Midcounties Co-operative  

Just book direct with tui etc and save the hassle!

Have not been impressed with the Walsall branch since it’s new management. Was told the wrong price when we asked how much was left to pay on our holiday. When we called up to pay it they paid it off somebody else’s holiday instead! They did sort this out when they realised but this was only when the other person called to pay off their holiday and were shocked to find it had already been mostly paid off. It would have been much easier to book direct with tui in terms of being able to log on and make payments, that would have also been much more reliable.

Date of experience : May 15, 2022

Just booked with Co-op Travel in…

Just booked with Co-op Travel in Spalding with a fab lady called Sophie there she listened was not pushy at all found us a great holiday but we went away to think on it.I rang back the same day found another holiday different hotel different company had it ,and within 20 minutes she has got it cheaper all booked with everything we asked for .Really pleased and the Shop in Spalding is allways busy but the staff are polite friendly and for me done a excellent job ..

Date of experience : August 24, 2019

Phone booking Walsall

Terrible customer service, booked cruise last year, paid in full back in February, cruise cancelled on the 25th March and promised a refund but here we are nearly 3 months later still not got it. Have called several times, very few times have we got through, left our phone number and twice they haven’t even bothered to phone back. Also never had a reply from email. Avoid

respected company

Co-op travel is not just an online store, it has branches up and down the country. In fact youre better off booking at one of the branches because the website is pretty naff. Prices are very competitive. One good thing about co-op travel is that it is unlikely to go bust because it does not just specialise in holidays. Over the years people have respected the co-op for the way that it gives back to the customers.

Date of experience : June 06, 2011

Over 3 months waiting for a refund for…

Over 3 months waiting for a refund for a holiday cancelled due to Covid. When contacting The company I have been told they’ve no idea when I can have a refund. Unhelpful bit were happy to make assurances that the holiday would be going ahead.

Date of experience : January 18, 2021

Good afternoon, Thank you for your feedback although I am sorry to read its content. If you still have concerns and would like me to look into this for your further please email- [email protected] with the details of your holiday so I can investigate and access your booking. Kind Regards, Customer Services Department, Midcounties Co-operative Travel.

Shocking!!!

Shocking!!! I’ve been awaiting an update on my holiday for weeks as to whether it will be going ahead. I was told not no pay my final balance until they could update me further on 15th March. Chased the update on the 15th, no response, followed up again on morning of 16th. Was in a meeting 2pm till 6pm, received a response at 3pm stating I had till 5pm to pay my full balance or holiday cancelled! Obviously missed this totally unfair deadline after months of chasing and being fobbed off.. Following weeks of looking at transferring dates and being totally ripped off by co-op travel (£3k - £4k more expensive than TUI after being initially cheaper with booking) I’m appalled that they are still in operation treating customers like this! I’ve now passed this and evidence to my solicitors to deal with!

Date of experience : March 16, 2021

Dear Louise, I am sorry to hear that you are unhappy. Can you please email your concerns to [email protected] we will then look into the matter for you. Kind regards, Midcounties Co-operative Travel.

Poor Customer Service

Poor Customer Service. I've just spent an hour on the phone dealing with JTA travel direct. I booked through Co-op Travel in Lowestoft and they can't be bothered to deal with this for me. Co-op had a joint venture with Thomas Cook and they would have been paid their commission on this and another holiday I've also had to sort out myself. Rubbish customer service and I certainly won't use them again. Surely common sense would tell you to deal with this for the customer in the hope they'll come back and book more holidays. These are the first holidays I've booked through an agent in over 10 years and I won't be doing it again.

Date of experience : January 23, 2020