Which holiday insurance reviews

We update the information as we become aware of changes, but strongly recommend checking directly with the insurer before buying a policy. We will next update our tables in June All ratings are for policies available to new customers at the time the data was collected. In July , Travel Insurance Facilities - an insurance company which underwrites the cover for many travel insurance brands - temporarily paused sales of policies to new customers existing customers continue to be covered.

We've removed the affected policies from our tables. If Covid interferes with your holiday plans or travel, almost all policies offer some protection - but the extent varies wildly, and it can be far from clear what different providers mean by 'Covid cover'.

To help, we've rated the levels of Covid protection offered by over 80 insurers, and have awarded Which? Covid-cover ratings to each. The policies detailed have received one of four ratings: Basic , Low , Superior and Complete.

Our ratings are intended to give a general idea of how extensive each policy's Covid cover is, and key areas in which policies differ. To derive them, we've examined which policies provide cover under five specific scenarios - a customer requiring emergency medical treatment while travelling, needing to cancel because of a positive test, having to cancel due to being instructed to self-isolate without a positive test for example, being contacted by NHS Test and Trace , and cancelling because of changes in FCDO advice or a lockdown where they live.

The ratings don't cover other potential ways the pandemic could interfere with travel. There can likewise be differences, with some areas of cover, between policies that have the same Covid rating. This means it's crucial to check the terms of any policy before buying it to make sure it's appropriate to you - as there will always be some restrictions. Practically all policies provide cover for a coronavirus-related medical emergency Basic cover - but around one in seven won't cover cancellation if it's connected to the pandemic.

Most also provide some element of cancellation cover if you can't go on your trip because you've been diagnosed with Covid Low cover.

Much rarer are policies providing cancellation cover if you can't go on your trip because you've been told to self-isolate without having tested positive - for example if you've been instructed to self-isolate by NHS Test and Trace Superior cover.

In both cases, these must be new advice or restrictions - i. Whether your destination is on the green, amber or red list will have an effect on measures you'll need to take and costs you may have to pay when travelling internationally or on your return to the UK. Countries can change lists with little or no warning. At present, even the most comprehensive travel insurance policies are unlikely to be able to cover you against all potential costs - or your decision to cancel a trip if your destination is moved between lists.

However, as the situation is complex and evolving, you should check directly with the insurer. When it comes to Covid, for now, most insurance won't do the full job of protecting your travel plans. This means you should consider supplementing it with other protections. It's also important to note that travel insurers expect you to claim with them only if you can't recover your money through other channels.

Thinking about booking a holiday? The Which? Holiday Checker makes it easy for you to find out which providers offer the best flexible booking options, and which ones could leave you out of pocket if circumstances change. If a package holiday firm cancels your holiday, or airlines can't fulfil flights, you're entitled to a refund by law. Unfortunately, in the wake of Covid, not all travel providers fulfilled their legal obligations. For peace of mind, choose a firm that is one of our Which?

Recommended Providers. If you buy a package holiday that includes flights from an ATOL protected firm, you'll get your money back if it goes bust. You'll also be repatriated if this happens while you're on holiday. Banks have similar schemes to help you recover money for services that haven't been fulfilled as paid for. These are known as 'chargeback'. In April and May we surveyed 86 insurance companies about 52 different areas of cover from each of their policies.

We analysed the data and awarded each policy a Policy Score. Best for Adventure Sports Coverage. World Nomads. Best Travel Insurance for Groups. Advertiser Disclosure. Rick Hoel Last updated on Apr 08, Older travelers can benefit from senior-tailored plans and plenty of additional coverage add-ons for everyone to choose from.

Compare rates. Why we chose it IMG Travel Insurance provides top-notch travel insurance plans for a variety of needs. Pros Plans specifically for seniors available Additional add-on coverage available High medical coverage Cons Number of plans is limited Lengthy wait to initiate claim for lost luggage.

Read More. Bronze: Basic plan with lower coverage limits than other two Silver: Intermediate plan with more value than Bronze Gold: Premier plan with best coverage. John Hancock Travel Insurance Review. Best for Tailored Plans Why we chose it Allianz provides one of the widest selections of plans in the industry. Both annual travel plans and tailored single trip plans help meet all needs and kids under 17 are free.

Why we chose it Allianz provides one of the widest selections of plans in the industry. Pros Multiple plans to choose from Children 17 and under, free Annual plan for multiple trips Cons Relatively low medical limits Often difficult to compare multiple plan offerings Some plans are relatively expensive.

The company is well known for excellent coverage for cancellations due to weather and destination accommodation failures. Learn more.

Best for Adventure Sports Coverage Why we chose it Though known for its adventure sports coverage, World Nomads offers custom packages for all travelers. The company website is interactive and an excellent tool for trip planning. Why we chose it Though known for its adventure sports coverage, World Nomads offers custom packages for all travelers.

Standard Plan Explorer Enhanced Plan. Pros High coverage for trip delay Group travel policies available Cancel for any reason available Cons Low trip cost coverage Sports equipment coverage not automatic.

Medical care and evacuation. Trip cancellation and interruption. Delayed or lost baggage. Cancel for any reason. Can you buy travel insurance after booking a flight or hotel? Can you be refused travel insurance? Is travel insurance worth getting? World Nomads Travel Insurance Review. Prev Next. When companies had more than one high-scoring plan we used the highest-scoring option.

Travel insurance is a type of policy that reimburses you for money you lose from non-refundable deposits and payments when something goes wrong on your trip. These problems can range from lost baggage to flight delays to medical problems.

This is especially true for international trips and cruises, where travel problems become more expensive to solve.

There are common things not covered by travel insurance. For example, a travel insurance policy could have medical coverage but exclude pre-existing conditions. High-risk activities may not be covered, such as scuba diving. Nor are problems that happen because you were drunk or using drugs. Travel medical insurance is available as a stand-alone plan or as part of a larger travel insurance package.

Travelers on cruises can potentially lose substantial money, just as much as a traveler on land. Cruise insurance can cover problems such as bad weather that causes a trip delay, or an illness that prevents you from traveling. While standard travel insurance plans are meant to cover one-time trips, frequent travelers should consider an annual travel insurance plan.

These plans cover the same issues as a single-trip plan, such as trip cancellation and emergency medical situations. But they also offer the convenience of a one-time purchase for multiple trips. Select Region. United States. United Kingdom. All ratings are determined solely by our editorial team. Amy Danise. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.

We evaluated 46 plans to find the best travel insurance. Read more. Do I Need Travel Insurance? Our Guides. Compare Travel Insurance Quotes. Preferred Plan Platinum. Covers Covid? Why We Picked It. Generous medical and evacuation limits. Includes concierge services such as restaurant and hotel referrals and reservations, luxury rental arrangements such as villas and charter planes, golf course information and more. Travel delay and baggage coverage kicks in only after hour delays.

Preferred Plan Travel. Good hurricane and weather coverage. No rental car coverage available. Preferred Plan Pandemic Plus. Covers financial default of a travel supplier after a day waiting period. Sports equipment loss is included in baggage coverage.

Superior pricing for the benefits included. Preferred Plan TripProtector. Top-notch coverage limits for medical expenses and evacuation. Preferred Plan Gold. Top-notch medical evacuation benefits.

Travel delay benefits kick in after only a 3-hour delay. Excellent hurricane and weather coverage. Includes coverage for sports equipment loss. Pricey among the plans we analyzed but you buy superior benefits. Baggage delay benefits require a hour delay.

Preferred Plan Prime.