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It's So Easy Travel Insurance   Reviews

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Reviews 4.0.

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I’m having the same problem that I…

I’m having the same problem that I reported last year. Can’t get through by phone which I need to do. Left my number 3 hours ago as suggested but no response. WFH maybe?

Date of experience : April 22, 2024

Infuriating useless Site

I was recommended this company from good friends who are frequent flyers and insure with It's so Difficult er, easy! I have several health conditions but only wanted three days' cover for Belgium - I got as far as the quote on two several times - had spent some time getting that far and got as far also as giving my details and faced two buttons - Save Quote/Continue which when clicked - the wretched site crashed with the illuminating message that session terminated as an exception occurred while timed out whilst dealing with a previous exception(!). My mind refuses to remember the exact Dalek speak. Hopeless! Perhaps 1 to 2 AM is a particularly busy time for this site in London? Bad vibes about this company and I have found hints like this terrible waste of time to be best observed. Going elsewhere and friends are getting an earful! I could have spent this hour or so researching my trip!

Date of experience : June 09, 2023

Reply from It's So Easy Travel Insurance

Good morning Mike, Thank you for leaving us feedback and I apologise if you had trouble saving your quote. However, I have located two saved quotes matching your details, both of which are on OK To Travel's pre-existing medical condition product. These were saved and emailed to you and can be retrieved online by following the instructions in the emai we've sent. Kind regards, Reece

I took out Travel Insurance on 5th…

I took out Travel Insurance on 5th October to travel to Spain for three months on 6th. Yesterday I phoned to ask if it would be worth my while claiming for 42.75euros it had cost me for drinks after a hole in one and I was told that my policy was void because the FCO was advising against going there. That was the advise when I bought the insurance. Why did you not tell me? I am now in Spain with no travel insurance and as far as I know I have to be in the UK to buy such insurance. Are you surprised at the rating I give you?

Date of experience : November 06, 2020

Good morning, I am sorry to hear your dissatisfaction at the service received. I can see that since speaking with you on 5th November, we have provided a full refund of the policy premium as the cover was not valid. Unfortunately, like many travel insurance providers, we are not able to provide insurance cover for travel to an area where the Foreign, Commonwealth and Development Office have advised against all or all but essential travel. If we had discussed your quote over the phone prior to purchase, one of our advisers would have emphasised this. We have signposted this throughout our website, which is displayed prior to receiving a quote. ‘Our policies will not provide any cover if you travel when there is Foreign, Commonwealth and Development Office (FCDO) advice against travel to the country you are visiting.’ If you would like to discuss this further or have any queries, please get in touch. Kind regards, Reece

Thankfully I didn’t need to take…

Thankfully I didn’t need to take advantage of the insurance so unable to to validate effectiveness of the cover purchased. The cost however was prohibitive, probably due to disclosure of health issues.

Date of experience : October 11, 2021

Good morning, Sorry to hear you were not happy with the policy premium; if you would like to email us with a policy number ([email protected]), I'll be more than happy to give you a further break down of the cost. As so many factors come together to generate the premium, we would always recommend that customers shop around to find the best quote for their specific requirements. Best wishes

Overall was a great travel insurance…

Overall was a great travel insurance but my last yearly price was over £600 for one year’s insurance which have Not been able to travel due to covid so I’m hoping they will extend my insurance for another year as a courtesy but I doubt it . Plus they really difficult to contact as they never answer phone with the usual we are really busy answer message but how come as nobody can travel

Date of experience : May 27, 2021

Good afternoon Brett. Thank you for sharing your feedback! As you can imagine, a lot of our customers were in the same position with their annual travel insurance last year, we'd certainly like to resolve this for you. Our call centre is working on reduced numbers/hours due to COVID-19 restrictions, however, we are open weekdays from 9am until 2pm. If you call us on 0330 606 1434 and leave a voicemail if we're unavailable, we'll be sure to call you back. Alternatively, email us [email protected] with your policy details and I'll see what we can do for you. Kind regards, Reece

Happy so far

I was happy with the ease with which I was able to navigate the site and how it catered for one way travel needs. The main test will come if I have to make a claim on the policy

Date of experience : May 31, 2022

Proactive and knowledgeable

Great service with a friendly cando attitude. Renewal sorted ASAP.

Date of experience : October 03, 2021

Quick issue resolution

Quickly resolved issue with policy that did not auto issue

Date of experience : September 09, 2021

Dear Mr Howe, Thank you for bringing this to our attention. Unfortunately, it appears that our automated system failed to email your documents for this particular policy, however, I have sent these this morning. Having looked over our inbox, we don’t appear to have received any email correspondence from yourself. I apologise for any inconvenience this has caused. If you require any further assistance, please get in touch on 0330 606 1434. Kind regards, It’s So Easy

Easy online service

Easy online service , not cheap but great Covid coverage.

Date of experience : December 03, 2020

I scoured the internet for hours…

I scoured the internet for hours looking for someone to insure my wife and I for our one way trip to Australia. Most companies only offer 'single trip' insurance. A real relief to find ISETI. Not only did they have the cover I was looking for but when I telephoned to query a few items they were so knowledgable, polite and helpful. Hopefully I won't need to use the insurance to find out how good they are when dealing with claims, but if my experience so far is anything to go by they will be excellent.

Date of experience : March 04, 2022

Thank you for leaving such a fantastic review of our services. We strive to offer travel insurance cover where others don't so it's great to hear we were able to help you find appropriate cover for your one way trip!

Exceptional service and value for money.

I spoke with both Carl and Len about my travel insurance. Both were exceptional as they guided me through the policy. As a 71 year old, I needed assistance and reassurance that I was getting the right cover for my preexisting conditions. I was delighted with the cost of cover annd felt confident I had made the right choice. Jeff

Date of experience : October 30, 2020

Good morning, Thank you for taking the time to leave us a review. We always strive to achieve the highest level of customer service so that's great to hear! I have passed your comments to both of my colleagues. Kind regards, Reece

Great company to deal with Having been in contact with many…

Having been in contact with many different travel insurance companies and not being able to secure insurance. From when I first contacted It's So Easy to Travel, they were so helpful and me feel reassured that they could help. They were very reasonable rates. I am very happy with the service I received.

Date of experience : February 18, 2022

No problems so far

I've never had to claim, so this review is related to buying the policy, and how the policy seems on paper. The purchase process is easy and the company provide what seems like very good cover. Their approach to preexisting conditions is refreshingly sensible.

Date of experience : March 16, 2021

Good afternoon David. Thank you for responding to our feedback invitation and for leaving such a good review of our service. We appreciate that travel insurance isn't always the most exciting thing to arrange, so aim to make the process as painless as possible! We hope to speak with you again in the future. Kind regards, Reece

Pre-existing Medical Condition Travel Insurance

We needed travel insurance for pre-existing medical conditions and couldn’t complete on line so had to ring. Everyone we spoke to was very helpful and we were able to purchase an annual policy at a very reasonable price. Hope we never need to use the insurance but would never travel without it.

Date of experience : June 01, 2021

I have always used Freedom but was unable to this year as they are changing underwriters. I used their sister company’ it’s so easy’ and I have to say they were amazing and competitively priced. I am travelling with my family and two of us have complex conditions. They referred us to their underwriter as a precautionary measure to ensure we had appropriate cover. Their Chief Medical Officer called me back personally twice to talk through the queries and was very reassuring. I was then passed back to the It’s so Easy team and their offices had closed for the day but their Manager called me back and completed my policy. Obviously I can’t comment on claims experiences but cannot ask for more with policy issuing. Thankyou

Date of experience : February 01, 2022

It really is easy: 15+ years of being a customer and they always impress me

I've used this business for at least 15 years. They have been able to insure me with a pre-existing medical condition at very good rates. The team are very friendly always offering clear helpful advice. I recently asked a question regarding my COVID cover, they checked with the underwriter and emailed a response the next day. Some years ago my partner claimed on joint policy I had with It's So Easy Travel Insurance and the policy paid out, again the cover was excellent. If you want a insurer that understands all sort of medical conditions and can provide the right cover I would highly recommend them. As the name say it really is easy with It's So Easy Travel Insurance.

Date of experience : April 23, 2021

I have not had to claim against the…

I have not had to claim against the policy (and hopefully I won’t have to) so I cannot comment on the claiming process. However the service I was provided to put the policy in place was very good. I was looking for something a bit unusual and the staff (Reece) was very helpful and very responsive. So definitely 5 stars for quality of service provided so far.

Date of experience : October 13, 2021

Easy on-line process

We have just completed the online form for our annual travel insurance. During the process we had a couple of questions which we required clarity/confirmation on. We used the on-line chat and Reece responded immediately, he answered our questions allowing us to complete the form. All documents now received with a clear email giving us the relevant information to access 'our wallet' for our comprehensive documentation. Great service so far.

Date of experience : October 13, 2023

i needed travel insurance for a…

i needed travel insurance for a specific health issue and found them to be very helpful and the price was very good for an annual policy, added on covid cover for this year too, sadly no holidays as yet though! would recommend.

Date of experience : November 01, 2020

Happy with them

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Standard single trip policies.

• The most popular and comprehensive travel insurance plan
• Covers cancellations, medical emergencies, delays, and luggage
• Protection from the time you purchase to the date you return

Annual / Multi Trip Policies

• Cost-effective option for travelers taking multiple trips a year
• Includes common medical, delay, and luggage benefits
• May require add-ons from trip cancellation or interruption

Cruise Insurance Policies

• Offers comprehensive trip protection on land and at sea
• Includes high travel medical insurance coverage limits
• Protects against hurricanes, inclement weather, and more

Adventure & Sports Policies

• Essential for travelers partaking in high-risk activities
• Provides protection for lost or delayed sports equipment
• Strong coverage for cancellations and medical emergencies

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Tell us some basic information about your next trip. We’ll use these details to help narrow your search and show the plans that best fit your needs.

Easily see how plans from the best travel insurance providers compete on cost and coverage. Use filters and sort results to uncover the right plan for you.

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Why Trust Squaremouth?

When selecting a travel insurance provider, it's crucial to compare options. Obtain quotes from three to five insurers to ensure the best coverage and value. While it may seem time-consuming, this process can result in significant savings.

That's why we're here – over the past two decades, our industry-leading comparison engine has helped millions of travelers find highly-rated insurance plans and protect their trip expenses.

Our industry-leading comparison platform , enriched by customer reviews, displays unbiased results based on your specific trip details. If you run into any trouble, our multi-award-winning customer service team is just a phone call away.

• Helped more than 3 million travelers
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• Intuitive & user-friendly comparison engine
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• Prices are regulated by law; you won't find a lower price anywhere else
• Multi award-winning customer service team
• 140,000+ customer reviews

Save With Squaremouth

Squaremouth has helped more than 3 million travelers find the best policy for their trip.

Key Travel Insurance Benefits

Most trip insurance policies are comprehensive, including coverage for cancellations, medical emergencies, travel delays, and lost luggage, among other benefits.

What Coverage is the Most Important?

Squaremouth customer reviews.

More than 99% of customers would recommend Squaremouth to others. Read what a few of them had to say about their recent experience buying travel insurance.

Great Experience!

"The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others."

Savannah from NC 03/26/2024

Great Coverage and Price

"Getting a travel insurance quote online was easy. We have used Squaremouth before and have been pleased each time. It's peace of mind for our travel needs."

Rhonda from IN 03/20/2024

Easy to Use!

"I always use Squaremouth simply because it is so easy to use and offers plans that are affordable to me."

Emily from AZ 03/08/2024

Very pleased!

"They give great service, and the website is so easy to navigate to find just the right insurance plan. I always appreciate working with them."

Don from UT 03/07/2024

The Squaremouth website is fantastic! It was very easy to select coverage and find and compare policies. Will recommend it to others.

Featured Articles

Our topic experts keep a constant pulse on the travel industry so we can provide the most current information and recommendations based on today's traveler needs.

What Type of Insurance Do I Need?

Plans can range in terms of cost and coverage, so it’s important to identify your specific needs before comparing options. Discover the different types of travel insurance policies you should consider for your upcoming trip.

How to Buy Travel Insurance on Squaremouth

If you’re new to Squaremouth, this quick guide can help you identify your needs, start your first quote, and compare your results. If you need additional help, our customer service team is just a phone call away.

Travel Insurance FAQs

Here are some of the most frequently asked questions from travelers like you.

Is Travel Insurance Mandatory for International Travel?

While rare, some countries or organized tours may require proof of travel insurance that lasts for the duration of your trip. Our Destination Center is a good starting point to learn about entry requirements and travel insurance recommendations.

While it is typically not mandatory, travelers should consider buying insurance if they want to protect themselves financially from unforeseen events that may impact their travel plans. Many Americans and U.S. residents purchase travel insurance when planning international or high cost trips. View our list of the top international travel insurance providers .

What Does Travel Insurance Cover?

Comprehensive travel insurance is designed to cover common disruptions that may impact a trip. Most policies will provide coverage for trip cancellations , medical emergencies , travel delays , missed connections , accidental death and dismemberment , and lost luggage . Travelers that experience financial loss as a result of a covered disruption may be eligible for reimbursement through their insurance policy.

How Much Does Travel Insurance Cost?

In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. The cost of a policy depends on four primary factors: trip cost, traveler age, trip length, and coverage amounts. A policy without an insured trip cost will be significantly less expensive. We recommend comparing plans from multiple providers to find the best priced plan for your trip.

What Should I Look for When Comparing Travel Insurance?

There’s no one-size-fits-all policy when it comes to travel insurance. When comparing plans, you should consider the following:

• Benefits: Travel insurance benefits outline what situations are covered under each plan. Make sure each plan you’re considering includes coverage for what’s important to you.
• Coverage Limits: Plans will set limits to how much reimbursement you’re eligible for, and can vary significantly. Higher coverage limits can result in less out of pocket expenses in the event of a claim.
• Exclusions: Travel insurance companies will list specific activities, equipment, and scenarios that are not covered by their plans in the event of a claim.
• Premium: Higher priced insurance products do not always equate to better coverage. We recommend choosing the most affordable plan that offers the travel protection you need.
• Provider Reputation: All providers on Squaremouth have been carefully vetted and offer 24-Hour Assistance services. Customers are also encouraged to share honest reviews about their experience before, during, and after their trips.

Does Travel Medical Insurance Cover International Trips?

In many cases, primary health care plans, such as Medicare or a policy you have through your employer, are not accepted overseas. If you’re not covered, you may be responsible for unforeseen medical expenses if you get sick or injured while traveling.

To avoid out-of-pocket expenses if you need medical care in the event of an emergency, many travelers opt for travel medical insurance. These plans can cover the cost of treating unexpected medical conditions incurred during your international trip.

Are Pre-Existing Conditions Covered by Travel Insurance?

Coverage for pre-existing conditions varies among travel insurance policies. While many plans won’t offer coverage for existing injuries or illnesses, some plans may offer Pre-Existing Condition waivers if certain conditions are met, such as purchasing the policy within a specified time frame from booking the trip.

Will My Policy Cover Trip Cancellations?

Yes, many comprehensive travel insurance policies cover trip cancellations under specified circumstances, such as sudden illness, injury, or death of the insured or a family member, natural disasters, or unexpected work obligations. Most policies that include the Trip Cancellation benefit offer 100% reimbursement for all prepaid, non-refundable trip costs.

What’s the Difference Between Single-Trip and Annual Travel Insurance?

Single-trip travel insurance covers a specific journey for a set duration, offering protection for that trip only. This is the most popular type of travel insurance among Squaremouth users. In contrast, Annual Travel Insurance provides coverage for multiple trips within a year. Annual plans can be cost-effective for frequent travelers and less of a hassle than purchasing multiple single-trip plans.

What's the Process for Filing a Travel Insurance Claim?

To file a trip insurance claim, follow these steps:

• Contact your insurer: Notify them as soon as possible about the incident.
• Gather documentation: Collect relevant documents, such as police reports, medical records, or receipts for expenses incurred.
• Complete the claim form: Fill out the insurer's claim form with accurate details.
• Submit supporting documents: Attach all required documents to substantiate your claim.
• Keep records: Maintain copies of all submissions and correspondence for your records.
• Follow up: Stay in touch with the insurer for updates on your claim status.
• Be honest and thorough: Provide clear and truthful information to expedite the process.

Remember, the process may vary by insurer, so review your policy or contact your insurance provider for specific instructions. Learn more about what can be covered and how to file a travel insurance claim .

Where Can I Buy Travel Insurance?

Travelers can purchase travel insurance directly from providers, through a comparison site like Squaremouth, or directly through a travel supplier when booking. Credit cards and travel agents are other sources to consider. Travel insurance prices are regulated by law, meaning the price of one specific policy must be the same regardless of where it is sold, whether it’s purchased from Squaremouth or directly from the provider.

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7 Best Cheap Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

on Chase's website

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.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Starting Medical Screening ....

Regulatory Policy  |  Privacy Policy | Cookies Policy | Complaints | Terms and Conditions | Modern Slavery Statement

Click here to find other travel insurance providers for people who have serious medical conditions .

Millstream Underwriting Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 308584. Registered in England and Wales. Registered no: 3896220, Registered office: 52-56 Leadenhall St, London EC3A 2EB. Further details are available from the FCA website www.fca.org.uk

Millstream is part of the Nexus Group.  © 2019 Millstream Underwriting Limited. All rights reserved.

Travel insurance policies available on this website are underwritten by Millstream Underwriting Limited on behalf of AWP P&C SA.

Oops... did you travel without insurance? Get cover with our Left UK policy  

It's So Easy Travel Insurance   Reviews

In the Travel Insurance Company category

Visit this website

Company activity See all

Write a review

Reviews 4.0.

Most relevant

I’m having the same problem that I…

I’m having the same problem that I reported last year. Can’t get through by phone which I need to do. Left my number 3 hours ago as suggested but no response. WFH maybe?

Date of experience : April 22, 2024

Infuriating useless Site

I was recommended this company from good friends who are frequent flyers and insure with It's so Difficult er, easy! I have several health conditions but only wanted three days' cover for Belgium - I got as far as the quote on two several times - had spent some time getting that far and got as far also as giving my details and faced two buttons - Save Quote/Continue which when clicked - the wretched site crashed with the illuminating message that session terminated as an exception occurred while timed out whilst dealing with a previous exception(!). My mind refuses to remember the exact Dalek speak. Hopeless! Perhaps 1 to 2 AM is a particularly busy time for this site in London? Bad vibes about this company and I have found hints like this terrible waste of time to be best observed. Going elsewhere and friends are getting an earful! I could have spent this hour or so researching my trip!

Date of experience : June 09, 2023

Reply from It's So Easy Travel Insurance

Good morning Mike, Thank you for leaving us feedback and I apologise if you had trouble saving your quote. However, I have located two saved quotes matching your details, both of which are on OK To Travel's pre-existing medical condition product. These were saved and emailed to you and can be retrieved online by following the instructions in the emai we've sent. Kind regards, Reece

I took out Travel Insurance on 5th…

I took out Travel Insurance on 5th October to travel to Spain for three months on 6th. Yesterday I phoned to ask if it would be worth my while claiming for 42.75euros it had cost me for drinks after a hole in one and I was told that my policy was void because the FCO was advising against going there. That was the advise when I bought the insurance. Why did you not tell me? I am now in Spain with no travel insurance and as far as I know I have to be in the UK to buy such insurance. Are you surprised at the rating I give you?

Date of experience : November 06, 2020

Good morning, I am sorry to hear your dissatisfaction at the service received. I can see that since speaking with you on 5th November, we have provided a full refund of the policy premium as the cover was not valid. Unfortunately, like many travel insurance providers, we are not able to provide insurance cover for travel to an area where the Foreign, Commonwealth and Development Office have advised against all or all but essential travel. If we had discussed your quote over the phone prior to purchase, one of our advisers would have emphasised this. We have signposted this throughout our website, which is displayed prior to receiving a quote. ‘Our policies will not provide any cover if you travel when there is Foreign, Commonwealth and Development Office (FCDO) advice against travel to the country you are visiting.’ If you would like to discuss this further or have any queries, please get in touch. Kind regards, Reece

Thankfully I didn’t need to take…

Thankfully I didn’t need to take advantage of the insurance so unable to to validate effectiveness of the cover purchased. The cost however was prohibitive, probably due to disclosure of health issues.

Date of experience : October 11, 2021

Good morning, Sorry to hear you were not happy with the policy premium; if you would like to email us with a policy number ([email protected]), I'll be more than happy to give you a further break down of the cost. As so many factors come together to generate the premium, we would always recommend that customers shop around to find the best quote for their specific requirements. Best wishes

Overall was a great travel insurance…

Overall was a great travel insurance but my last yearly price was over £600 for one year’s insurance which have Not been able to travel due to covid so I’m hoping they will extend my insurance for another year as a courtesy but I doubt it . Plus they really difficult to contact as they never answer phone with the usual we are really busy answer message but how come as nobody can travel

Date of experience : May 27, 2021

Good afternoon Brett. Thank you for sharing your feedback! As you can imagine, a lot of our customers were in the same position with their annual travel insurance last year, we'd certainly like to resolve this for you. Our call centre is working on reduced numbers/hours due to COVID-19 restrictions, however, we are open weekdays from 9am until 2pm. If you call us on 0330 606 1434 and leave a voicemail if we're unavailable, we'll be sure to call you back. Alternatively, email us [email protected] with your policy details and I'll see what we can do for you. Kind regards, Reece

Happy so far

I was happy with the ease with which I was able to navigate the site and how it catered for one way travel needs. The main test will come if I have to make a claim on the policy

Date of experience : May 31, 2022

Proactive and knowledgeable

Great service with a friendly cando attitude. Renewal sorted ASAP.

Date of experience : October 03, 2021

Quick issue resolution

Quickly resolved issue with policy that did not auto issue

Date of experience : September 09, 2021

Dear Mr Howe, Thank you for bringing this to our attention. Unfortunately, it appears that our automated system failed to email your documents for this particular policy, however, I have sent these this morning. Having looked over our inbox, we don’t appear to have received any email correspondence from yourself. I apologise for any inconvenience this has caused. If you require any further assistance, please get in touch on 0330 606 1434. Kind regards, It’s So Easy

Easy online service

Easy online service , not cheap but great Covid coverage.

Date of experience : December 03, 2020

I scoured the internet for hours…

I scoured the internet for hours looking for someone to insure my wife and I for our one way trip to Australia. Most companies only offer 'single trip' insurance. A real relief to find ISETI. Not only did they have the cover I was looking for but when I telephoned to query a few items they were so knowledgable, polite and helpful. Hopefully I won't need to use the insurance to find out how good they are when dealing with claims, but if my experience so far is anything to go by they will be excellent.

Date of experience : March 04, 2022

Thank you for leaving such a fantastic review of our services. We strive to offer travel insurance cover where others don't so it's great to hear we were able to help you find appropriate cover for your one way trip!

Exceptional service and value for money.

I spoke with both Carl and Len about my travel insurance. Both were exceptional as they guided me through the policy. As a 71 year old, I needed assistance and reassurance that I was getting the right cover for my preexisting conditions. I was delighted with the cost of cover annd felt confident I had made the right choice. Jeff

Date of experience : October 30, 2020

Good morning, Thank you for taking the time to leave us a review. We always strive to achieve the highest level of customer service so that's great to hear! I have passed your comments to both of my colleagues. Kind regards, Reece

Great company to deal with Having been in contact with many…

Having been in contact with many different travel insurance companies and not being able to secure insurance. From when I first contacted It's So Easy to Travel, they were so helpful and me feel reassured that they could help. They were very reasonable rates. I am very happy with the service I received.

Date of experience : February 18, 2022

No problems so far

I've never had to claim, so this review is related to buying the policy, and how the policy seems on paper. The purchase process is easy and the company provide what seems like very good cover. Their approach to preexisting conditions is refreshingly sensible.

Date of experience : March 16, 2021

Good afternoon David. Thank you for responding to our feedback invitation and for leaving such a good review of our service. We appreciate that travel insurance isn't always the most exciting thing to arrange, so aim to make the process as painless as possible! We hope to speak with you again in the future. Kind regards, Reece

Pre-existing Medical Condition Travel Insurance

We needed travel insurance for pre-existing medical conditions and couldn’t complete on line so had to ring. Everyone we spoke to was very helpful and we were able to purchase an annual policy at a very reasonable price. Hope we never need to use the insurance but would never travel without it.

Date of experience : June 01, 2021

I have always used Freedom but was unable to this year as they are changing underwriters. I used their sister company’ it’s so easy’ and I have to say they were amazing and competitively priced. I am travelling with my family and two of us have complex conditions. They referred us to their underwriter as a precautionary measure to ensure we had appropriate cover. Their Chief Medical Officer called me back personally twice to talk through the queries and was very reassuring. I was then passed back to the It’s so Easy team and their offices had closed for the day but their Manager called me back and completed my policy. Obviously I can’t comment on claims experiences but cannot ask for more with policy issuing. Thankyou

Date of experience : February 01, 2022

It really is easy: 15+ years of being a customer and they always impress me

I've used this business for at least 15 years. They have been able to insure me with a pre-existing medical condition at very good rates. The team are very friendly always offering clear helpful advice. I recently asked a question regarding my COVID cover, they checked with the underwriter and emailed a response the next day. Some years ago my partner claimed on joint policy I had with It's So Easy Travel Insurance and the policy paid out, again the cover was excellent. If you want a insurer that understands all sort of medical conditions and can provide the right cover I would highly recommend them. As the name say it really is easy with It's So Easy Travel Insurance.

Date of experience : April 23, 2021

I have not had to claim against the…

I have not had to claim against the policy (and hopefully I won’t have to) so I cannot comment on the claiming process. However the service I was provided to put the policy in place was very good. I was looking for something a bit unusual and the staff (Reece) was very helpful and very responsive. So definitely 5 stars for quality of service provided so far.

Date of experience : October 13, 2021

Easy on-line process

We have just completed the online form for our annual travel insurance. During the process we had a couple of questions which we required clarity/confirmation on. We used the on-line chat and Reece responded immediately, he answered our questions allowing us to complete the form. All documents now received with a clear email giving us the relevant information to access 'our wallet' for our comprehensive documentation. Great service so far.

Date of experience : October 13, 2023

i needed travel insurance for a…

i needed travel insurance for a specific health issue and found them to be very helpful and the price was very good for an annual policy, added on covid cover for this year too, sadly no holidays as yet though! would recommend.

Date of experience : November 01, 2020

Happy with them

It's So Easy Travel Insurance Review

Everything you need to know before you buy travel insurance from It's So Easy!

The experts say:

If you're looking for a no-frills travel insurance policy, It's So Easy's Enhanced plan may be worth considering. This budget-friendly option offers a generous cover limit of £5000 when cancelling before your trip, as well as £2500 for personal possessions and baggage that are damaged, lost or stolen. The medical excess is set at £150 — not the lowest on the market, but still more than adequate for most trips. Fairer Finance has awarded it two stars, so while it might not be the most comprehensive policy out there, it's certainly worth checking out if you're on a budget.

What It's So Easy customers are saying right now:

• 🔹It's So Easy provides excellent customer service and competitive rates.
• 🔹They are knowledgeable and polite when answering questions.
• 🔹They provide comprehensive cover for customers with complex health conditions.
• 🔹They are able to cater for one way travel needs.
• 🔹The staff are helpful and considerate in setting up a policy, even for already travelled customers.
• :x: Long wait times for certain queries
• :warning: Not enough information provided in the cover notes
• :confused: Confusing wording on the policy documents

It's So Easy customer reviews summary

It's So Easy travel insurance has been making waves in the personal finance world with its exceptional customer service, competitive prices and comprehensive coverage for those with complex health conditions. Whether you're a one-way traveller or an experienced globetrotter, It's So Easy offers tailored policies to suit any journey. From helpful advice to quick claims process, customers have experienced nothing but the best when it comes to their travel needs. For these reasons, we give It's So Easy Travel Insurance a 10 out of 10!

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Covered2Go Travel Insurance Review

Everything you need to know before you buy travel insurance from Covered2Go!

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• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 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.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

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  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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.

**Enrollment required.

• Main content

Money latest: Thousands hit by Santander UK outage

A Santander online outage is affecting thousands of UK customers. Over 2,000 reports have been made on Downdetector - indicting the issue is widespread. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Thursday 2 May 2024 13:01, UK

• OECD warns UK shouldn't cut interest rates yet
• UK ranks bottom in G7 economic growth forecast
• Santander outage affecting thousands
• New ISA rules were supposed to help savers - right now they've just made everything more complicated

Essential reads

• How to nab yourself a free upgrade on a flight
• Why you shouldn't buy a TV in May (or a mobile phone in October)
• You're probably washing and storing your clothes wrong. Here's what you should do instead
• Money Problem : 'Builders won't repair dodgy work - what are my rights?'
• '£2,000 landed in my account' - The people who say they're manifesting riches

Ask a question or make a comment

A Santander online outage is affecting thousands of UK customers.

Over 2,000 reports have been made on Downdetector - indicting the issue is widespread.

Santander wrote on X: "We are aware some customers are experiencing issues accessing online services, we apologise for any inconvenience this has caused.

"We're working hard to resolve this as soon as possible."

Following on from our previous post, and the OECD also says the UK will grow more slowly next year than any other major advanced economy.

It puts this down to stealth taxes and high interest rates squeezing the economy.

The organisation, which is based in Paris, downgraded its forecasts for GDP to 0.4% this year and 1% in 2025.

In February, the UK had been in the middle of the rankings with forecast growth of 0.7% this year and 1.2% next.

The OECD pointed to the fact "tax receipts keep rising towards historic highs" - with National Insurance cuts not offsetting the additional burden Britons are feeling due to tax thresholds not rising along with inflation due to a government freeze.

Some good news is expected for UK workers as the OECD said there will be "stronger" wage growth when inflation is factored in against pay.

One of the world's leading economic authorities has warned the UK that borrowing should remain expensive until the rate of price rises eases further and stays there.

Interest rates, which are at a  post-2008-era high of 5.25% , should stay there, according to the Organisation for Economic Co-operation and Development (OECD).

"The fiscal and monetary policy mix is adequately restrictive and should remain so until inflation returns durably to target," the OECD's economic outlook for 2024 said.

It's an endorsement for the approach of the  Bank of England  whose statements on inflation have not indicated an imminent rate cut.

The OECD anticipates inflation will be "elevated" at 3.3% in 2024 and 2.5% in 2025 - above the Bank's 2% target.

No rate cut will come until at least August, the OECD added.

It may not come as a surprise, but the prices of a whole range of items fluctuate throughout the year. 

It isn't always easy figuring out what is best to buy when - but a price comparison website has dug into the numbers.

PriceSpy has analysed its price history data to help direct shoppers to the best time of year to buy common, popular products.

This table should help:

Its analysis shows June is a great month to get yourself a lawn mower but if you're after a barbecue, you're best off waiting until December. 

Organised parents can take advantage of LEGO price drops in September for Christmas presents. 

PriceSpy estimates consumers can save more than £800 on the "peak pricing premium" by following its advice. 

Following our feature on how assigning a lasting power of attorney may be more important than drawing up a will, a Money reader got in touch with a query...

As a married couple of 53 years, all our accounts are in joint names - so do we need lasting power of attorney? Thank you! David

We asked Joanna Grewer, partner at Roythornes Solicitors, to respond: "If you have accounts in joint names then the account can be accessed by the person who has capacity. 

"However, this won't entitle the capacitous person to deal with any of the income which comes into that account for the non- capacitous person, such as pensions, or to manage any outgoings in that person's name. 

"If both parties lost capacity, then there would be no access to funds at all."

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute, leaving your name and where in the country you are, by emailing [email protected] with the subject line "Money blog". Alternatively, WhatsApp us  here .

By James Sillars , business reporter

Another cent has come off oil costs over the past 24 hours - hopefully signalling better news for drivers ahead.

A barrel of Brent crude is currently costing just over $84 and had been trading at $83 in Asian trading.

It had stood above $90 a month ago as the crisis in the Middle East played out.

Evidence of a cooling in tensions between Israel and Iran have assisted the downwards trend.

The FTSE 100 began the day by erasing the losses seen on Wednesday.

A solid set of results for Shell helped the index climb by 0.3% in early deals...

Shell shares were more than 1% higher on the back of better than expected profits.

It revealed further shareholder awards in the form of a dividend and share buyback.

Online gamblers who lose £500 a month or more will face financial vulnerability checks.

Checks will come into force from 30 August.

The figure will reduce to £150 a month from 28 February next year.

The Gambling Commission said this would help identify acutely financially vulnerable online customers, such as those subject to bankruptcy orders or with a history of unpaid debts.

The checks will only use publicly available data and will not  require gambling operators to consider an individual's personal details such as postcode or job title.

As well as light touch checks, the commission said a pilot of enhanced assessments would go ahead, aimed at preventing cases where customers are able to spend large amounts in a short time without any checks, resulting in significant gambling harm.

It's not uncommon to feel uncomfortable with flying - but we'd probably all feel a bit better if we were sitting in first class, wouldn't we? 

The lucky few might be able to pay for themselves, but for the rest of us, frequent flyer experts Flight Hacks have shared their top tips to get a free upgrade (and you can let us know your tips for getting upgrades in the comments box above)...

Stay loyal to one airline

Many airlines have a rewards scheme that offers free upgrades, early check-in and even free flights to loyal customers. 

One research survey found 80% of staff said a customer in the airline's frequent flier scheme would be more likely to receive a free upgrade.

Plus, getting early check-in could place you first in line to secure a seat in the plane's front section.

Travel alone or during quieter times

Let's face it, a single person on an empty flight is much more likely to get an upgrade than a family of six on a booked-out plane. 

Try flying in the middle of the week or at off-peak times to get a quieter plane. 

Dress to impress 

If you're dressed smartly and look like a frequent flier, this can boost your chances of getting an upgrade. 

Business travellers are an airline's favourite type of passenger as they fly regularly and are more likely to spend freely on their company cards - so it could be worth dressing in business attire. 

Don't be afraid to ask

It doesn't hurt just to enquire, as long as you're polite. 

Be flexible

Airlines will frequently overbook flights to compensate for no-shows and ensure the planes are full. 

If there aren't enough seats after everyone checks in, they will often offer incentives to passengers willing to switch to a later flight.

This can mean seat upgrades or cash incentives. 

Take advantage of special occasions

If it's your birthday, honeymoon or a special anniversary, it could be worth casually dropping this into conversation with the check-in staff. 

Be polite when checking in

Perhaps all of these tips should be caveated with the need to remain polite. 

As there is often no strict criteria on how airline staff may choose to give out free upgrades, the number one tip is to be nice. 

Travel expert Immanuel Debeer, from Flight Hacks, says "being respectful and friendly is by far the best way to increase your chances of an upgrade". 

"There are plenty of simple tricks to increase your chances of getting an upgrade, but the most important thing to remember is that airline staff are human."

Every Thursday Savings Champion founder Anna Bowes  gives us an insight into the savings market and how to make the most of your money. Today she's focusing on  ISAs after new rules came in last month. ...

New ISA rules were introduced from 6 April that should make opening and funding ISAs simpler. But what many people may not realise is that ISA providers do not need to implement most of the new rules – and many haven't yet, or may have no intention of doing so.

As a result, savers have been left scratching their heads, unsure if their ISA provider will allow them to make use of the rules or not.

What are the key new rules?

Harmonise ISAs to those over 18:  This is not an optional change. The minimum opening age for adult cash ISAs is now 18, so not good news for those aged 16 and 17 who previously could have funded a junior ISA and an adult cash ISA.

Allowing multiple ISA subscriptions:  People should now be allowed to open and pay into multiple ISAs of the same type in a single tax year. Previously people could only pay into one of each type of ISA every tax year, unless their ISA provider offered what we called "portfolio ISAs". 

A portfolio ISA (other names for this have been used such as "ISA wallet" with Paragon Bank) allows savers to open more than one cash ISA with the same provider in the same tax year - but only a small number of providers offer it, such as Paragon, Aldermore and Charter Savings Bank, Nationwide and Ford Money.

With the new rules, savers assume they can open more than one ISA with either more than one provider or with the same provider. However, our research has shown that while many providers will allow you to open another cash ISA with them if you have already opened and funded an ISA with someone else in the current tax year, this doesn't mean they have adopted the portfolio ISA rule – so you may not be able to open two ISAs with them.

Partial transfers allowed:  Partial transfers of ISA funds for the current tax year should be allowed, rather than being forced to transfer the whole amount of your current tax year ISA. Previously you could only make a partial transfer of old ISAs; you'd have to transfer the current tax year's ISA entirely. 

Once again not many have adopted this rule yet.

The bottom line

So, while in theory these new changes should have made ISAs more flexible, in reality they have added an extra complication for savers and the bottom line is that you need to ask your existing and potential ISA providers about which of the rules they have adopted or are looking to adopt.

The pet supply retailer has opened two convenience stores in a move to branch out from its typical retail park sites. 

The stores, which are in Sutton, south London, and Whetstone, north London, will sell a range of pet owner essentials and offer an advice counter. 

They are much smaller than the usual Pets at Home stores and will not have the typical vet and grooming services. 

Speaking to Retail Week, the chain did not confirm whether it would be opening more high street stores in the future. 

Pets at Home Sutton store manager Rachel Etherington told the news outlet the location would "allows us to provide pet owners with convenient access to all their pet care essentials, as well as expert advice from our specially trained colleagues, right on their doorstep". 

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