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Holiday Insurance Post Office

Review: Post Office Travel Insurance

The Post Office hardly needs an introduction – it is the UK’s largest retail network and largest financial services chain and has been serving Britons for over 370 years.

However, while everyone is aware of the postal services provided, as well as travel money and help with various government procedures, not many people know the Post Office actually offers over 170 products and services. Included in these is insurance – with a variety of categories available, such as travel, pet and home.

The Post Office travel insurance cover was voted the ‘Best Travel Insurance Provider’ by the British Travel Awards every year from 2006 to 2014. It is underwritten by Great Lakes Reinsurance (UK) PLC and Europäische Reiseversicherung A.G. (ERV), and administered by Collinson Insurance Services Limited.

Get a Post Office travel insurance quote on the Post Office website.

Overview of Post Office insurance travel cover

The Post Office offers three types of travel insurance policies – single trip, annual multi-trip and backpacker travel cover.

For both their single trip and multi-trip categories, there are five levels of cover to choose from:

Super economy cover includes – £1,000 cancellation cover, £150 excess, £1,000 baggage cover and £2,000,000 for emergency medical and other expenses.

Economy cover includes – £1,500 cancellation cover, £125 excess, £1,500 baggage cover and £2,000,000 for emergency medical and other expenses.

Standard cover includes – £2,000 cancellation cover, £100 excess, £1,500 baggage cover and £5,000,000 for emergency medical and other expenses.

Premier cover includes – £5,000 cancellation cover, £50 excess, £2,000 baggage cover and £10,000,000 for emergency medical and other expenses.

Premier Plus cover includes – £10,000 cancellation cover, no excess, £3,000 baggage cover and £10,000,000 for emergency medical and other expenses.

All policies include personal liability cover (from £1,000,000 to £3,000,000) and all but the Super Economy cover include a variety of extras, such as personal accident, death, hospital benefits, personal money and passport cover.

Additional cover for winter sports, golf, cruise and business can be added on to any of the above policies, for an additional cost.

Does the Post Office provide travel insurance for people over 65?

Yes, travel insurance cover can be purchased from the Post Office up to the age of 85. However, those over 70 will only be covered for 90 days of the year, while those over 76 will only be covered for 31 days.

Additionally, not all medical conditions are covered. Customers are asked to fill out a questionnaire during the quote process and, depending on the results, are either asked to contact the Post Office by phone, or, in some cases, refused cover altogether.

How much does travel insurance from the Post Office cost?

The cost of travel insurance varies according to the length of the trip, age and medical conditions of the people travelling and the destination.

However, with such a wide variety of cover options to choose from, the Post Office is committed to offering policies to suit every budget. Kids under 18 travel for free when under a family policy.

What do Post Office travel insurance reviews from customer say?

On reviewcentre.com Post Office travel insurance has 2.3 stars, out of a possible 5, for its travel insurance, with 33% of the 57 customers who reviewed the service saying they would recommend it.

What do Post Office travel insurance reviews from the experts say?

Which? – the financial comparison site – gave the Post Office a score of 70% for its travel insurance, which was made up of – 77% customer satisfaction, 62% for its annual policy and 62% for its single-trip policy.

Defaqto, the independent reviewer of financial products, rates the Post Office’s travel insurance service as follows:

Premier Plus and Premier – 5 out of 5 stars, making it “an excellent product with a comprehensive range of features and benefits”.

Packaged Account Multi-Trip Family Travel – 3 out of 5 stars, making it “a standard product providing an average level of features and benefits”.

Economy, Superiur, Superier Plus and Standard – 3 out of 5 stars, making it “a standard product providing an average level of features and benefits”.

Super Economy – 2 out of 5 stars, making them “products typically offering a below average range of features and benefits”.

Sharon Galleitch Read more testimonials

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Review: Post Office Travel Insurance

The Post Office hardly needs an introduction – it is the UK’s largest retail network and largest financial services chain and has been serving Britons for over 370 years.

However, while everyone is aware of the postal services provided, as well as travel money and help with various government procedures, not many people know the Post Office actually offers over 170 products and services. Included in these is insurance – with a variety of categories available, such as travel, pet and home.

The Post Office travel insurance cover was voted the ‘Best Travel Insurance Provider’ by the British Travel Awards every year from 2006 to 2014. It is underwritten by Great Lakes Reinsurance (UK) PLC and Europäische Reiseversicherung A.G. (ERV), and administered by Collinson Insurance Services Limited.

Get a Post Office travel insurance quote on the Post Office website.

Overview of Post Office insurance travel cover

The Post Office offers three types of travel insurance policies – single trip, annual multi-trip and backpacker travel cover.

For both their single trip and multi-trip categories, there are five levels of cover to choose from:

Super economy cover includes – £1,000 cancellation cover, £150 excess, £1,000 baggage cover and £2,000,000 for emergency medical and other expenses.

Economy cover includes – £1,500 cancellation cover, £125 excess, £1,500 baggage cover and £2,000,000 for emergency medical and other expenses.

Standard cover includes – £2,000 cancellation cover, £100 excess, £1,500 baggage cover and £5,000,000 for emergency medical and other expenses.

Premier cover includes – £5,000 cancellation cover, £50 excess, £2,000 baggage cover and £10,000,000 for emergency medical and other expenses.

Premier Plus cover includes – £10,000 cancellation cover, no excess, £3,000 baggage cover and £10,000,000 for emergency medical and other expenses.

All policies include personal liability cover (from £1,000,000 to £3,000,000) and all but the Super Economy cover include a variety of extras, such as personal accident, death, hospital benefits, personal money and passport cover.

Additional cover for winter sports, golf, cruise and business can be added on to any of the above policies, for an additional cost.

Does the Post Office provide travel insurance for people over 65?

Yes, travel insurance cover can be purchased from the Post Office up to the age of 85. However, those over 70 will only be covered for 90 days of the year, while those over 76 will only be covered for 31 days.

Additionally, not all medical conditions are covered. Customers are asked to fill out a questionnaire during the quote process and, depending on the results, are either asked to contact the Post Office by phone, or, in some cases, refused cover altogether.

How much does travel insurance from the Post Office cost?

The cost of travel insurance varies according to the length of the trip, age and medical conditions of the people travelling and the destination.

However, with such a wide variety of cover options to choose from, the Post Office is committed to offering policies to suit every budget. Kids under 18 travel for free when under a family policy.

What do Post Office travel insurance reviews from customer say?

On reviewcentre.com Post Office travel insurance has 2.3 stars, out of a possible 5, for its travel insurance, with 33% of the 57 customers who reviewed the service saying they would recommend it.

What do Post Office travel insurance reviews from the experts say?

Which? – the financial comparison site – gave the Post Office a score of 70% for its travel insurance, which was made up of – 77% customer satisfaction, 62% for its annual policy and 62% for its single-trip policy.

Defaqto, the independent reviewer of financial products, rates the Post Office’s travel insurance service as follows:

Premier Plus and Premier – 5 out of 5 stars, making it “an excellent product with a comprehensive range of features and benefits”.

Packaged Account Multi-Trip Family Travel – 3 out of 5 stars, making it “a standard product providing an average level of features and benefits”.

Economy, Superiur, Superier Plus and Standard – 3 out of 5 stars, making it “a standard product providing an average level of features and benefits”.

Super Economy – 2 out of 5 stars, making them “products typically offering a below average range of features and benefits”.

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†Based on an individual aged 18 taking single trip cover for 3 days to France. Cover starts on 1st March 2019 and ends on 3rd March 2019. Annual cover from £10.55 based on an individual aged 18 taking annual cover for travel in Europe. Cover starts on 1st March 2019 and ends after a year.

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Do I need travel insurance?

Whether it’s a short city-break or a once-in-a-lifetime holiday, travel insurance provides cover should you face expensive medical bills if you’re injured or taken ill, or if something goes wrong with your trip.

Types of travel insurance

There are various types of travel insurance. For example, you can get cover for a single trip, or you can buy a 12-month multi-trip policy. Cover is also available for couples, families or groups.

You can also tailor your insurance according to where you are going and the activities you’ll be undertaking, including:

What does travel insurance typically cover?

Travel insurance policies usually provide cover for the following:

Cancellation & delay: Including missed departures and curtailment of your trip.

Medical expenses: This will cover any costs incurred if you have to visit a doctor or hospital abroad.

Personal liability: If you cause damage to possessions or injure someone, cover is provided.

Emergency assistance/repatriation: If you need to be brought back to the UK due to injury, your costs will be met.

Baggage & belongings: Protection if your luggage or possessions are lost, stolen or damaged is provided as standard with most policies.

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Compare quotes for pre-existing medical conditions

If you have an illness or medical condition for which you’ve had treatment, need to provide details to your insurer. Heart problems, diabetes, cancer and respiratory illnesses (such as asthma) are among the conditions that need to be declared as they could be excluded from your policy, and not mentioning them could invalidate your cover.

If you have a condition, you may have to pay more for your insurance.

You can find out more about pre-existing medical conditions with our dedicated guide.

Over 265 policies to choose from. Compare travel insurance quotes from more than 55 brands:

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Travel insurance guides & tips

How to reduce the cost of travel insurance

When taking out travel insurance, it’s important to find the right balance between getting adequate cover and not paying over the odds. Here’s some tips on how to get the best price for your travel insurance:

  • Shop around: Run a free travel insurance quote where you’ll be able to see how different policies stack up against each other.
  • Decline optional extras: It’s worth checking if your gadgets are covered abroad by your home insurance, or if protection is provided through your bank account, credit card or employee benefits package.
  • Pay annually: If you are a frequent traveller, it might be cost-effective to buy a policy that covers all trips in a 12-month period, rather than insuring each trip separately.

Frequently asked questions about travel insurance

We’ve put together this set of questions and answers to help make getting a quote as quick and easy as possible.

European Health Insurance Card (EHIC)

A European Health Insurance Card (EHIC) – which is free via the NHS – entitles you to state-provided healthcare on the same terms as a local when travelling in countries that belong to the European Economic Area and Switzerland.

Travel guides

We compare more than 265 policies from over 55 brands to help you find affordable travel insurance that offers the level of protection you need.

To help you find a policy that matches your requirements we have a library of helpful guides, ranging from destination-specific pages to tips on how to make a successful claim.

The best travel insurance policies

Follow the author of this article

As I pointed out on this page recently, measures to protect the money you pay in advance for package holidays and some flights are being strengthened. But many travellers remain particularly vulnerable – especially in these difficult economic times – when making travel arrangements independently rather than booking a package.

For example, you might buy a flight directly from an airline and then book your accommodation directly with the hotel. If you are in this situation, and something goes wrong – the airline goes out of business, a strike grounds your flight, or the ash cloud blows over again – you may be able to get a refund of your fare (through your credit card company, for example), but if you can’t find an alternative way of reaching your destination, there is a good chance you will lose the money you have paid in advance for the hotel or other, equally expensive elements of your holiday, such as a villa booking, special excursion, or car hire. Legally, you remain responsible for paying for these even if you can’t use them.

Because these losses are a consequence of the first loss, they are often called “consequential losses” and the only way you can cover them (except by booking a package holiday) is through insurance. The good news is that a few forward-thinking insurers have started to offer this sort of cover as part of a standard travel policy (though sometimes you have to pay an extra premium). I have trawled through what is offered by some leading companies and found a handful that may be of interest to readers. Apologies in advance for the complexities of the terminology, but they are worth grappling with if you make a lot of independent bookings.

Note that the details I give below are not comprehensive, and are not intended necessarily as general recommendations. Everyone has different insurance needs: before buying any policy you should ensure that the levels of cover and the activities included are suitable for yours. Note too that insurance for financial loss usually pays out only if the loss cannot be covered by another means, that there may be an excess deducted from any claim, and that only those named on the insurance policy will be covered.

Do not be confused by policies that cover the financial failure of a scheduled airline – that may be useful cover to have, but unless it also covers consequential loss, you will be exposed to losses on other bookings you may have made. And such policies may not cover losses on any other type of failure, such as that of a car hire company, for example.

Travel insurance policies covering additional losses

The following insurers cover the failure of an airline, and other suppliers such as a villa owner, hotel, or car hire company, and any consequential loss from other related bookings you may have made. Note that not all the travel policies they offer will include this cover, so check that you are buying the right one. Premiums quoted are for a single two-week trip to Europe and an annual multi-trip, worldwide policy. They may be subject to age restrictions or higher premiums for older travellers and the levels of other cover and the amount of any excess varies, so premiums are not directly comparable.

The Post Office (postoffice.co.uk)
The Travel Insurance Classic and Premium policies offer cover of up to £1,500 per person for scheduled airline failure, including consequential losses such as hotel or car hire costs.

Premiums £27.32/£88.24 (Classic policy); £33.71/£90.54 (Premium policy)

PJ Hayman (pjhayman.com)
The Travel Plus policy includes cover of up to £5,000 (Premier & Premier Plus) and £2,500 (Standard) for the financial failure of a travel or accommodation provider. It also provides cover of up to £1,500 for consequential loss.

Premiums £21.10/ £77.80

Staysure (staysure.co.uk)
Travel policies offer optional cover for failure and consequential loss for an additional “travel disruption” premium. Staysure offers more extensive cover than most insurers: if you pay the additional premium you will be covered for up to £3,000 in the event of the insolvency of the travel or accommodation provider and up to £1,000 for any irrecoverable unused accommodation and travel costs (and other prepaid charges) that have been paid for or are contracted to pay because you were not able to travel and use the accommodation. This also includes losses as a result of scheduled public transport from the United Kingdom being cancelled or delayed for more than 24 hours, or your being turned away from the aircraft (because there are more passengers than seats).

Premiums £10.80 (basic policy) or £17.22 (comprehensive) plus £9.99 for the travel disruption extension/£51 (basic) or £74 (comprehensive) plus £19.99 for the travel disruption extension

All Clear Travel Insurance (allcleartravel.co.uk)
This specialist in medical travel insurance caters particularly for the elderly or those with significant medical conditions, but it does also offer more standard policies. Its AllClear Gold and Gold Plus Travel policies provide cover of up to £5,000 for other losses – that is the “irrecoverable sums paid in advance in the event of insolvency of the travel or accommodation provider not forming part of an inclusive holiday”.

Other policies

Avanti Travel insurance (avanti.co.uk) says it doesn’t currently cover financial failure but will have policies that do so from June or July; World First Travel insurance (world-first.co.uk) is also planning to add such cover to some of its policies.

Of the other companies I contacted, Direct Line (directline.com) has single-trip, annual multi-trip and “Discover” policies that include the failure of an airline or accommodation provider but do not cover the consequential loss. Holidaysafe (holidaysafe.co.uk) offers cover for financial failure of a scheduled airline but not of another travel supplier such as a hotel, villa owner or car hire agent, and it doesn’t cover consequential loss.

Essential Travel Insurance (essentialtravel.co.uk) in its “Superior” policies covers the failure of a scheduled airline and other travel providers, but not consequential loss. Insurewithease.com offers cover against the failure of a scheduled airline and of hotels, car ferries, villas abroad, cottages in Britain and car hire, but not consequential loss. Goodtogoinsurance.com has similar cover, available at an extra premium to its standard cover.

If you are aware of other policies offering good cover against such eventualities, please do let me know.

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