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Holiday company travel insurance reviews

Should you buy travel insurance from your package holiday provider? We've rated policies from Jet2, Trailfinders, Tui, Saga and more

In this article
What is holiday company travel insurance? Holiday company travel insurance reviewed
Should I buy my travel insurance from my holiday company? What protections do I get by buying a package holiday?

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're rated insurance from some of the UK's biggest package holiday and tour operators.

 

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. 

Members can log in to see how the policies compare. If you're not already a member, join Which? to get full access to these results and all our reviews.

Policy Name Policy Score

Covid cover rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

Medical expenses Airline failure Missed departure Cancellation limit
Logged out detail 75% Superior £10,000,000 As Standard £500 £3,000 - £10,000
Logged out detail 73% Superior £5,000,000 As Standard £500 £3,000 - £5,000
Logged out detail 68% Low £10,000,000 As Standard £1,000 £5,000 - £10,000
Logged out detail 67% Low £8,000,000 As Standard £1,000 £2,500
Logged out detail 64% Superior £10,000,000 Not covered £1,000 £5,000
Logged out detail 61% Low £10,000,000 Not covered £1,000 £5,000
Logged out detail 60% Superior £10,000,000 Not covered £300 £5,000
Logged out detail 60% Low £10,000,000 Not covered £750 £5,000
Logged out detail 60% Low £10,000,000 Not covered £750 £5,000
Logged out detail 59% Low £10,000,000 Not covered £750 £5,000
Logged out detail 58% Superior £7,000,000 Not covered £1,000 £5,000
Logged out detail 57% Superior £15,000,000 Not covered £1,000 £5,000
Logged out detail 57% Superior £10,000,000 Not covered £300 £5,000
Logged out detail 56% Superior £10,000,000 Not covered £800 £2,000
Logged out detail 54% Low £10,000,000 Not covered £500 £3,000
Logged out detail 53% Low £10,000,000 Not covered £800 £2,000
Logged out detail 53% Low £10,000,000 Not covered £1,000 £5,000
Logged out detail 52% Low £10,000,000 Not covered £750 £2,000
Logged out detail 47% Low £5,000,000 Not covered £250 £1,000
Logged out detail 46% Low £5,000,000 Not covered £750 £2,000
Logged out detail 44% Low £3,000,000 Not covered £500 £1,000

 

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. 

 

 

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.

What protections do I get by buying a package holiday?

If you're booking with a package holiday company or airline, they have to refund you if they cancel your trip.

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. 

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