Travel insurance companies Travel insurance company reviews

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Few insurers are good enough to be Which? Recommended Providers. To be recommended by Which?, a travel insurer must satisfy our experts that its standard policy offers good cover, and it must also satisfy its customers through great customer service.

Which? experts scrutinised 196 travel insurance policies, and combined our analysis of cover with feedback from thousands of customers. We have rated each policy on its key aspects, including amount of cover provided, to produce a Which? policy score as well as a customer score and a claims satisfaction score, based on how they were rated by customers.

Our reviews feature some of the biggest insurers in the market including: LV, Aviva, Direct Line, Churchill, Saga and Age UK.

To qualify as a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received responses from 30 or more customers in our customer survey
  • Have received an average or above policy score (see table for current average score) and a customer score of 70% or above

Click on the WRPs in the table below to see full details of its customer score and policy elements. Table updated every six months. Next updated in November 2016. For more information about individual policies read our travel insurance company reviews.  

Best and worst travel insurance
ProviderCustomer serviceValue for moneyClarity of policyDealing with queriesCustomer scoreSingle trip policy scoreAnnual policy scoreTotal
Subscriber only content4 stars2 stars4 stars4 stars70%95%95%83%
Subscriber only content-2 stars3 stars-65%95%a95%a80%
Subscriber only content3 stars3 stars3 stars3 stars66%93%b93%b80%
Subscriber only content-2 stars3 stars-71%84%84%78%
Subscriber only content-4 stars3 stars-66%85%c85%c76%
Subscriber only content4 stars4 stars4 stars-81%73%73%76%
Subscriber only content3 stars4 stars3 stars4 stars68%79%79%74%
Subscriber only content3 stars3 stars3 stars3 stars62%83%83%73%
Subscriber only content3 stars3 stars3 stars3 stars63%82%82%73%
Subscriber only content4 stars3 stars3 stars4 stars69%76%76%73%
Subscriber only content3 stars3 stars3 stars3 stars69%76%d76%d69%
Subscriber only content3 stars3 stars3 stars4 stars63%74%e74%e72%
Subscriber only content2 stars2 stars2 stars3 stars65%79%79%72%
Subscriber only content3 stars3 stars3 stars3 stars67%76%76%72%
Subscriber only content3 stars3 stars3 stars3 stars62%81%81%72%
Subscriber only content3 stars3 stars3 stars3 stars63%79%79%71%
Subscriber only content3 stars3 stars3 stars3 stars62%79%79%71%
Subscriber only content3 stars3 stars3 stars3 stars62%78%78%70%
Subscriber only content2 stars2 stars2 stars3 stars58%81%f81%f70%
Subscriber only content3 stars4 stars3 stars4 stars68%71%71%70%
Subscriber only content2 stars2 stars2 stars3 stars62%76%76%69%
Subscriber only content3 stars3 stars2 stars3 stars57%74%e74%e69%
Subscriber only content2 stars3 stars2 stars3 stars63%75%g75%g69%
Subscriber only content----60%77%e77%e69%
Subscriber only content3 stars3 stars3 stars3 stars68%69%69%69%
Subscriber only content2 stars2 stars2 stars3 stars61%75%75%68%
Subscriber only content3 stars2 stars3 stars3 stars52%83%e83%e68%
Subscriber only content3 stars3 stars3 stars-58%75%h75%h67%
Subscriber only content2 stars2 stars2 stars3 stars64%69%i69%i67%
Subscriber only content2 stars3 stars2 stars3 stars66%65%j65%j66%
Subscriber only content3 stars3 stars3 stars3 stars62%67%k67%k65%
Subscriber only content3 stars2 stars3 stars3 stars62%62%l62%l62%
Subscriber only content-2 stars3 stars-68%55%55%62%
Subscriber only content2 stars2 stars3 stars3 stars66%43%65%60%
Subscriber only content-2 stars3 stars-56%58%58%57%
Subscriber only content2 stars2 stars2 stars-55%32%32%44%
Average    64%73%73%68%

 

How we calculate customer and policy scores

We calculated the customer scores and claims satisfaction scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy including medical expenses cover limit, cancellation/curtailment limit, travel delay limit, baggage and belongings limit and money limit..

The total score combines both the customer score and policy score.

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