We think travel insurance is a vital part of your holiday plans, but it doesn't exist in isolation. This means it's crucial to check the terms of any policy before buying it to make sure it's appropriate for you as there will always be some restrictions. There can, likewise, be differences with some areas of cover between policies that have the same Covid rating. Importantly, the ratings don't cover all possible ways Covid could interfere with your holiday. Of the 199 policies we examined, around two thirds now offer Superior level cover, while just nine offer Complete level cover. Complete In addition to Superior cover, a policy with a Complete rating allows for cancellation if you can't travel because the Foreign, Commonwealth & Development Office advises against travel to your destination (since you booked the trip) because of Covid, or because of regional or national restrictions on movement.Superior In addition to Low cover, you'll be able to claim for cancellation if you're instructed to self-isolate at home because you've been identified as a contact of someone who tested positive.Low In addition to Basic cover, you can claim if you test positive for Covid and are unable to go on your trip. Basic The policy covers you for emergency medical cover if you catch Covid while on holiday.We've given each policy we've examined one of four Which? Covid-cover ratings: Most will, for example, pay a cancellation claim if you test positive with the virus and consequently can't travel – but only a minority would pay out if a government lockdown on travel disrupts your plans. Find out more: check our in-depth reviews for detailed breakdowns of coverĬovid cover - what our ratings show and don't showĪll travel policies we looked at offer some element of protection if your holiday is disrupted by Covid – however, the degree of cover varies significantly between providers.We will next update our tables in June 2023. The information should be considered correct to then. This year, the average policy score across all policies reviewed was 63%Īll ratings are for policies available to new customers, and the details were gathered in a survey carried out in May 2022. We then adjust the impact the more and less important elements have on the overall policy score. Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and factor this in when calculating our total policy score. We analyse and rate 61 key elements of travel insurance policies to come up with the overall policy score. If anything in the policy is unclear, contact the insurer.įinally, check what protection your holiday provider offers, because if something goes wrong, you may need to seek compensation from them first before your insurer will accept your claim. Also check the policy's general exclusions and conditions. If there are specific reasons you've bought the cover, check these sections to make sure they align with your expectations. Check the T&Csīefore you buy, check the policy wording - being acquainted with it is the only real way of understanding what your policy offers and what it doesn't. You may be able to save by using multiple comparison sites, while travelers with medical conditions should consider specialised insurers - find our reviews here. While looking at our reviews, you can get a quote for travel insurance using our partner. Click on the links in the table below to find them. If you'd like to learn more, we've created dedicated reviews of the biggest and best insurers. Our experts have assigned each travel insurance policy a policy score, reflecting how comprehensive the cover is, as well as a dedicated Covid cover rating ( more on that below). It's important to arrange cover as soon as you book your trip, so you're covered in case it's cancelled. To help you make the right choice, we've rated hundreds of policies, scrutinising more than 60 areas of cover in each one. With luck, you'll never need to use your travel insurance. But should disaster strike your long-waited holiday, you'll be glad to have it. How do you find the best travel insurance?
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