What is holiday company travel insurance?
Arranging a holiday is frequently complicated and stress-inducing, so being able to take care of the booking and insurance in one go – or through the same firm – is a tempting convenience.
That's why so many package holiday companies and airlines are also in the insurance business – allowing customers to bundle in travel cover while they pay for their flights and accommodation, or offering it to them after they've purchased their holiday.
The question is, does this convenience come at a cost? We've rated insurance from some of the UK's biggest package holiday and tour operators.
- Find out more: Use our tool to compare holiday providers' covid travel policies before you book.
Holiday company travel insurance reviewed
We've reviewed the cover on offer from 21 policies sold by 11 travel firms, including Jet2, Saga and Trailfinders.
The data to create this table was collected in April 2021 and we'll continue to update it as we become aware of changes. However, we recommend confirming directly with the providers before buying.
Should I buy my travel insurance from my holiday company?
The cover available from the holiday companies we looked at was, at best, a mixed bag when compared with policies you can buy elsewhere.
While there were exceptions, many of the holiday companies' policies achieved policy scores (our rating of how comprehensive the cover is) of less than 60% – the average. Many also only provide low levels of Covid cover.
So before buying, carefully check if the holiday company's insurance contains everything you want.
Whether you choose to buy insurance with your holiday company or not, don't let the convenience factor drive your decision. We list five things you should consider:
1. Is insurance through a holiday company cheaper?
Not necessarily. As you'll find when buying your insurance through any other channel, cover sold by holiday companies can come at a reasonable cost, or may be eye-wateringly expensive.
2. How much insurance do I need if I'm with a good holiday company?
Depending on how you've bought your holiday, you may benefit from protections which make some parts of your insurance less necessary.
Similarly, the cost of your holiday will dictate how much cancellation cover you'd need if it fell through.
However, there are elements of travel insurance that are less likely to be duplicated elsewhere – these include cover for medical expenses, or having to cancel a trip because of a personal emergency.
3. Do I have to buy my holiday company's insurance?
No. Some holiday companies may require that you have insurance in place, but this doesn't mean it has to be theirs.
Whereever you buy cover, however, you should buy it as soon as you can. That way, you benefit immediately from cancellation cover.
4. How do I find out what's covered?
The best place to find out what's covered in your policy is in a document called the 'policy wording'.
This should be made available to you before buying the cover. Check that what's written here aligns with your expectations of the policy. If points are unclear, contact the insurer.
- Find out more: travel insurance – the basics
5. Will the insurance cover my pre-existing conditions?
If you've not been asked to declare your pre-existing conditions and offered a quote that specifically mentions them, you should assume they're probably not covered and contact the insurer to check.
- Find out more: travel insurance and medical conditions
Which holiday companies have flexible booking terms?
If you're thinking about booking a holiday, we’ve compared holiday providers’ Covid travel policies so you can check before you book. The Which? Holiday Checker makes it easy for you to find out which providers offer the best flexible booking options, and which ones could leave you out of pocket if circumstances change.
What protections do I get by buying a package holiday?
You also benefit from Atol protection if you've booked a package that includes flights. This means you get your money back if it goes bust.
- Find out more: How else your holiday is protected.