The UK’s leading travel insurance providers reviewed

The UK’s leading travel insurance providers reviewed

 · 12 min read

If you're looking for a travel insurance policy, the experiences of others can be an excellent indicator of what to expect. So what are people like you saying about some of the UK's leading travel insurance providers?

  • Online reviews can provide helpful information on the strengths and weaknesses of travel insurance providers.
  • Customers praise the leading UK travel insurers for customer service, ease of buying insurance and affordability of the policies for those with pre-existing medical conditions.
  • Some customers have been let down by claims processes, especially in the wake of the coronavirus pandemic.
  • You can look at online reviews to get an idea of the UK’s best travel insurance providers before comparing different policies.

Travel insurance for UK holidaymakers: FAQs

  • What is the highest-rated travel insurance in the UK?

    The UK’s leading travel insurance providers include Staysure, Avanti, Travel Insurance 4 Medical, Cover Cloud Travel Insurance, Globelink, Saga and Direct Line. These providers all have at least a four-star rating on TrustPilot.

  • Can you trust online travel insurance reviews?

    You can find a lot of great information from online reviews. Websites like TrustPilot provide trustworthy reviews of the UK's leading travel insurance providers. You can get a great overall view of an insurer when looking at reviews. However, you always want to take the reviews with a pinch of salt. You can't know the individual circumstances behind the complaints.

  • What is the cheapest travel insurance for older people?

    The most affordable travel insurance always depends on your personal circumstances. Many great insurers provide affordable travel insurance for over-50s, from Saga to Avanti. You should compare different options to find the best travel insurance for your needs.

  • Does travel insurance cover Covid-19 related illness and cancellations?

    Many travel insurance providers didn't cover cancellations due to the coronavirus at the start of the pandemic. You can read a lot of online reviews complaining about this. However, insurance companies have since updated their policies. With most insurers, you can also buy extra cover against Covid-19 related travel disruption.

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Having the right travel insurance can give you the peace of mind to enjoy your next trip.

Thankfully, finding travel insurance doesn't have to be tricky, even as you get older. Sure, premiums may be more expensive than what you would have once paid. However, many UK travel insurance companies cover pre-existing conditions and offer other elements tailored to older holidaymakers.

Still, while all insurers will talk about the positives of their policies, what matters most are the opinions of those who buy them and potentially have to make a claim.

While gathering the information for this article, we also sought the views of some of the UK's leading commentators on travel insurance.

Ana O'Reilly from Mrs O Around the World told us: "Insurance is more important than ever - and due to Covid, we have made good use of ours recently. Not all travel insurance policies are the same so please double check what is actually covered if things go wrong. Can you stay in the same room? What is the daily allowance for food? It all adds up."

Vicky Philpott from VickyFlipFlopTravels spoke about her own experiences with travel insurance, saying: "Travel insurance is so important. I've used it for stolen phones and doctor's bills around the world. It really saved me with a dentist in Central America though. I was in Guatemala and started to develop really intense head pains, and delusions. It was weird. I also had a really bad pain in my tooth. I don't speak any Spanish and so decided to leave and make my way to Belize where I could get some sort of dental help.

"I booked into what turned out to be the loveliest dentist ever. I mean, what he did was kinda questionable – soldering my gum away from the wisdom tooth that was growing through – but still, it stopped it hurting afterwards. And he was really nice to me when I teared up as he was burning it away. My travel insurance covered the surgery, and the drugs. So happy. I might've been tempted to just live with it for the next four weeks if I didn't have that reassurance. Definitely wouldn't have been a good idea."

Emily Luxton also spoke about the peace of mind travel insurance can bring, telling us: "I really can't tell you how important it is to have good travel insurance! It's something I'd never travel without, especially after the last couple of years have shown us just how badly things can go wrong. I travel solo a lot, and it's always so reassuring to know that I'll be covered and looked after if anything goes wrong."

Let’s look at what people say about some of the UK’s leading travel insurance providers.

All TrustPilot figures correct as of 4th January 2022.

Allianz Travel Insurance

TrustPilot Rating: 4.2 from 16,132 reviews

Allianz Assistance, which takes in Allianz Travel Insurance, was incorporated back in 2014.

  • Upper age limit of 80
  • Up to 180 days cover available with single trip insurance
  • Request a personalised quote for your specific requirements

As the TrustPilot rating shows, on the whole feedback has been relatively positive although just recently suspension of cover for pre-existing medical conditions has caused some confusion. The company is expected to reinstate this cover in the short-term. In these unprecedented times, there has also been huge demand for telephone assistance. As you might expect, this has placed short-term pressure on the service with some reviewers highlighting difficult experiences.

It is important not to let short-term challenges for the industry overshadow the overall rating for Allianz Travel Insurance. Of the 16,132 reviews received, 84% were excellent and 5% were great, which gives a clearer picture.


TrustPilot Rating: 4.7 (out of 5) from 165,006 reviews.

Staysure has been around since 2005 and has served over 8 million customers. 

  • Cover for pre-existing conditions
  • Single or annual multi-trip cover available
  • No upper age limit

Generally, Staysure customers love how easy it is to buy a travel insurance policy. Many reviews mention how straightforward the process is and how easy it is to use the Staysure website. In addition, several positive reviews from people who contacted Staysure reported having an excellent experience with its customer service team. Fantastic customer service is usually a pretty safe sign of a reliable company! On top of this, Staysure customers love the different discounts and offers available from the site.

In terms of negative feedback, much of it focuses on difficulty renewing or cancelling policies. Some recent reviews also mention a lack of clarity around how Covid-19 affects policies.

Read Pension Times’ comprehensive review of Staysure travel insurance here.

AllClear Travel Insurance

TrustPilot Rating: 4.8 from 16,132 reviews

Incorporated in 2000, AllClear Travel Insurance has a deep-seated knowledge of the specialist medical travel insurance market. Consequently, the company offers a range of services for all age groups.

  • Upper age limit of 90+
  • Up to 94 days cover available with single trip insurance
  • Request a personalised quote for your specific requirements

As the TrustPilot rating shows, AllClear Travel Insurance has achieved fantastic feedback, with 83% rating their experience as excellent. While the 94-day cover available with single trip insurance is significantly less than some competitors, remember AllClear Travel Insurance is focused on over 50s market. Some of the other figures quoted, often up to 180 days, are often restricted for older age groups. Many customers have returned to AllClear Travel Insurance, having had a positive experience with previous policies.

In an exceptionally competitive market, AllClear Travel Insurance has attracted more than 77,000 reviews. Less than 1% rated the experience as poor or bad, 2% rated the service average, 14% great, and 83% excellent. Need we say more?


TrustPilot Rating: 4.6 from 26,038 reviews.

Avanti has offered a range of travel insurance products since launching in 2009.

  • No upper age limits
  • Single or annual multi-trip cover available
  • Personalised policies based on your specific needs

Overall, it would appear that Avanti's customers are delighted with the services offered. The company received particular praise for the ease with which the website can be accessed via different devices. Elsewhere, Avanti quotes were seen as very competitive, the purchase and renewal process simple, and occasional discounts well received. The fact that the claims process is rarely mentioned suggests that the system works well!

Some reviews mentioned trouble accessing account information and Avanti emails falling into spam folders. However, these issues seem to be sporadic and by no means widespread.

Travel Insurance 4 Medical

TrustPilot rating: 4.7 from 13,862 reviews.

Founded back in 1973, Travel Insurance 4 Medical has a long and successful history in the travel insurance industry. 

  • Huge range of pre-existing conditions covered
  • Single or annual multi-trip cover available
  • No upper age limit

Travel Insurance 4 Medical has a relatively long history going back to 1973 and, according to reviews, an in-depth understanding of the market. Not only does the company cover a vast array of pre-existing medical conditions, but quotes are competitive and affordable. In addition, the online quote system allows you to tailor policies to your specific needs and budget, receiving a lot of positive feedback. An understanding approach to policy cancellations was also appreciated by reviewers, with refunds settled quickly.

Some concerns were expressed about the cumbersome renewal process, which didn't compare well to other providers. While there was some negative feedback about coronavirus related claims in the early days of the pandemic, these now appear to have been resolved.

Cover Cloud Travel Insurance

TrustPilot rating: 4.2 from 250 reviews.

Cover Cloud offers a range of insurance products, with a comprehensive selection of travel insurance policies.

  • Silver, Gold and Platinum cover for all budgets
  • Single or annual multi-trip travel insurance available
  • No upper age limit

As Cover Cloud offers an array of insurance services, not just travel insurance, there was a broad range of reviews. Interestingly, the company's customer services received a lot of positive feedback, which suggests going above and beyond the norm. The process of buying a policy was seen as straightforward, fast and efficient. Even though other more established insurers continue to grab the headlines, Cover Cloud has undoubtedly seen an increase in its following and positive feedback.

Comments regarding the claims process were mixed, with some reviewers frustrated while others were more positive about their experience. Without knowing the details, specific references to rejected individual claims should not overshadow the generally positive experience.


TrustPilot rating: 4.4 from 885 reviews.

Globelink has a 20-year track record in the industry and reports an impressive 70% return rate for its customers.

  • Insurance services tailored for senior citizens
  • Single or annual multi-trip cover available
  • Cover for the existing conditions

Even though reviews for Globelink are relatively limited, a high number of those who posted feedback rated the company as excellent. There are positive references to cover for those in older age groups, with travel insurance cover for over 80s attracting significant praise. Most reviews expressed high satisfaction rates with Globelink's customer service, resolving policy issues relatively quickly with minimal fuss. With 93% of reviews rating the company as great or excellent, Globelink seems to be hitting the spot with consumers.

There was mixed feedback relating to the claims process with particular reference to Covid claims - which has been a learning process for many insurers. There was also some confusion regarding terms of cover and frustration at rejected claims.


TrustPilot rating: 4.6 from 28,096 reviews

Founded in the 1950s, Saga has branched into other insurance services since then. Still, its core travel insurance remains one of the top such products in the UK.

  • Single or annual multi-trip cover available
  • No upper age limit
  • All pre-existing medical conditions considered

Saga is, for many, the leading name in over 50s travel insurance and online reviews support this view. Feedback suggests the Saga website is easy to use, quotes are quick and competitive and buying insurance online is trouble-free. In addition, the company doesn't exclude any pre-existing medical conditions, which is a massive attraction for many. While there is specific reference to over 50s travel insurance products, reviews also cover other over 50s insurance services, which are, on the whole, very positive.

The only real drawback mentioned in these reviews was the waiting times to speak with customer services. Unfortunately, peak-time phone queues are often unavoidable. Still, there is the option to chat online with a representative or email your queries.

Read Pension Times’ comprehensive review of Saga travel insurance here.

Direct Line

TrustPilot rating: 4.0 from 7,597 reviews

Direct Line is well-known for offering a range of highly competitive insurance services.

  • Purchase online for savings of up to 25% 
  • Single, annual multi-trip and backpacker cover available
  • No upper age limit

In a sector often dominated by jargon and small print, customer feedback has highlighted the easy to understand nature of Direct Line travel insurance policies. Amongst the many travel insurance reviews, there is specific mention of the clearly defined level of cover with each policy. Customers have also been waxing lyrical about processing times, with Direct Line's customer service receiving praise.

The negative feedback is a little misleading as much of this relates to other insurance services offered by Direct Line. However, some customers expressed concern about travel insurance renewal prices and individual issues with claims.

Read Pension Times’ comprehensive review of Direct Line travel insurance here.

Free Spirit Travel Insurance

TrustPilot rating: 4.7 from 2,887 reviews

Free Spirit Travel Insurance was the first specifically designed for those refused cover elsewhere due to their health, disability or age.

  • Specific cover for medical aids and prescribed medications
  • Single or annual multi-trip cover available
  • No upper age limit

The number of people returning to Free Spirit Travel Insurance to renew travel insurance and enhance future travel cover says everything about the company. Customers obviously like what the insurer offers; they are satisfied with the cover and the straightforward approach to buying holiday insurance. There is also specific mention of the affordability and ease of finding customised travel insurance considering pre-existing medical conditions.

On the downside, some people mentioned issues with customer services and extended waiting times. There were also some negative comments about the claims process, with a small number experiencing difficulties.

UK travel insurance providers reviewed

The best travel insurance for you always depends on your individual needs and situation. What works for you might not work for someone else. Travel insurance prices also depend on personal circumstances. As such, different providers can provide widely varying quotes. But it can still be a good idea to check online reviews.

The above reviews indicate what different travel insurers are good at and the areas where they could improve. With reviews, it's essential to keep an eye out for the most recent feedback. If this is mainly negative, you might want to consider your choices. While much of it can be genuine and warranted, you also want to take some negative feedback with a grain of salt. Complaints regarding specific policies can be challenging to understand without knowing the full details. 

The companies listed in the article have high ratings and are generally a good pick. Overall, these UK travel insurance providers have a good selection of products. Comparing your travel insurance options is often the best way to find a policy that works for you.

Krista Lomu
Krista Lomu
Krista joined Age Group in 2020 but has been writing about finance for nearly a decade. Based in London, she can turn even the most complicated finance topics into accessible and straightforward content. When she's not writing, she likes to read, watch football and play games - fuelled on by many cups of coffee!
The content on is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial advisor. Any references to products, offers, rates and services from third parties advertised are served by those third parties and are subject to change. We may have financial relationships with some of the companies mentioned on this website. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors