Travel insurance Best and worst travel insurance

Recommended Provider Icon TI

Few travel insurers are good enough to be Which? Recommended Providers. To make the grade an insurer must offer good cover on its standard policy and great customer service.

We've scrutinised 200 travel insurance policies, combining our analysis with feedback from an online panel of 4,846 customers. Each policy is rated to produce a Which? policy score as well as a customer score.

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

This review reveals which insurers came out best for cover and customer service, and which scored the worst. To access this review and thousands of others, sign up for a £1 trial. Or if you're already a member, log in to see our reviews. 

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 30 or more responses in our customer survey
  • Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above

Table updated in May 2016. Next update due in November 2016.

Best and worst travel insurance
ProviderCustomer serviceValue for moneyClarity of policyDealing with queriesCustomer scoreSingle trip policy scoreAnnual policy scoreTotal
Subscriber only content4 stars4 stars4 stars-83%84%84%84%
Subscriber only content4 stars3 stars4 stars4 stars71%92%92%82%
Subscriber only content4 stars3 stars4 stars3 stars67%93%a93%a80%
Subscriber only content-4 stars--63%95%b95%b79%
Subscriber only content-4 stars4 stars-66%92%c92%c79%
Subscriber only content4 stars4 stars4 stars4 stars69%86%d86%d78%
Subscriber only content3 stars3 stars4 stars3 stars66%89%89%78%
Subscriber only content3 stars3 stars4 stars3 stars67%86%86%77%
Subscriber only content4 stars3 stars3 stars3 stars64%87%87%76%
Subscriber only content4 stars3 stars4 stars-68%79%79%74%
Subscriber only content3 stars3 stars4 stars3 stars68%79%79%74%
Subscriber only content4 stars3 stars3 stars4 stars68%79%79%74%
Subscriber only content4 stars4 stars4 stars4 stars72%76%76%74%
Subscriber only content4 stars4 stars4 stars4 stars73%75%e75%e74%
Subscriber only content4 stars3 stars4 stars-70%77%d77%d74%
Subscriber only content4 stars4 stars4 stars4 stars64%83%d83%d74%
Subscriber only content4 stars4 stars4 stars3 stars68%79%79%74%
Subscriber only content3 stars4 stars3 stars4 stars65%81%81%73%
Subscriber only content3 stars4 stars3 stars-64%81%f81%f73%
Subscriber only content3 stars3 stars3 stars3 stars62%81%g81%g72%
Subscriber only content2 stars4 stars2 stars3 stars66%77%77%72%
Subscriber only content3 stars4 stars4 stars4 stars69%74%74%72%
Subscriber only content4 stars3 stars3 stars-65%77%77%71%
Subscriber only content3 stars4 stars3 stars4 stars61%81%d81%d71%
Subscriber only content3 stars4 stars3 stars3 stars66%73%73%70%
Subscriber only content2 stars3 stars3 stars3 stars61%76%76%69%
Subscriber only content3 stars4 stars4 stars3 stars63%75%h75%h69%
Subscriber only content3 stars3 stars3 stars3 stars57%81%d81%d69%
Subscriber only content3 stars3 stars3 stars3 stars68%67%i67%i68%
Subscriber only content3 stars3 stars3 stars3 stars67%69%j69%j68%
Subscriber only content3 stars2 stars4 stars-65%69%69%67%
Subscriber only content4 stars3 stars4 stars4 stars71%48%74%66%
Subscriber only content2 stars3 stars2 stars3 stars67%65%k65%k66%
Subscriber only content3 stars4 stars2 stars3 stars65%61%61%63%
Subscriber only content----58%65%l65%l62%
Subscriber only content-4 stars2 stars-65%58%58%62%
Subscriber only content3 stars2 stars3 stars2 stars61%62%m62%m62%
Average    66%76%76%72%

How we calculate customer and policy scores

We calculated the customer 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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