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Travel insurance company reviews

Few insurers are good enough to be Which? Recommended Providers (WRP) - they have to combine good cover with great customer service.

We scrutinised 196 travel insurance policies, and combined our analysis of cover with feedback from thousands of customers.

Each policy is rated on the key aspects of its cover to produce a Which? policy score, while our customer score is based on how the insurers were rated by customers.

To qualify as a WRP, an insurer must:

  • Be regulated by the Financial Conduct Authority (FCA)
  • 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 2018. For more information about individual policies, read our travel insurance company reviews.

Provider undefined Single-trip
policy score
Annual-trip
policy score
Total
score
Logged out detail 76% 95% 95% 86%
Logged out detail 73% 96% 96% 85%
Logged out detail 70% 97% 97% 84%
Logged out detail 82% 83% 83% 83%
Logged out detail 78% 86% 86% 82%
Logged out detail 69% 93% 93% 81%
Logged out detail 70% 92% 92% 81%
Logged out detail 73% 87% 87% 80%
Logged out detail 72% 86% 86% 79%
Logged out detail 84% 73% 73% 79%
Logged out detail 72% 81% 81% 77%
Logged out detail 77% 75% 75% 76%
Logged out detail 71% 81% 81% 76%
Logged out detail 71% 81% 81% 76%
Logged out detail 70% 79% 79% 75%
Logged out detail 66% 83% 83% 75%
Logged out detail 69% 79% 79% 74%
Logged out detail 71% 76% 76% 74%
Logged out detail 68% 80% 80% 74%
Logged out detail 74% 74% [g] 74% [g] 74%
Logged out detail 68% 74% 74% 74%
Logged out detail 68% 77% 77% 73%
Logged out detail 71% 75% [h] 75% [h] 73%
Logged out detail 75% 71% [j] 71% [j] 73%
Logged out detail 71% 75% 75% 73%
Logged out detail 70% 75% 75% 73%
Logged out detail 73% 73% 73% 73%
Logged out detail 68% 75% 75% 72%
Logged out detail 70% 71% [m] 71% [m] 71%
Logged out detail 77% 65% [k] 65% [k] 71%
Logged out detail 74% 66% [n] 66% [n] 70%
Logged out detail 77% 62% [p] 62% [p] 70%
Logged out detail 67% 70% 70% 69%
Logged out detail 76% 62% [q] 62% [q] 69%
Logged out detail 73% 60% [r] 60% [r] 67%
Logged out detail 67% 60% 60% 64%
Logged out detail 65% 48% 68% 62%

 

 

Customer score data is based on a survey of 4,536 respondents from the general public telling us about their travel insurance provider in February 2018.

Sample breakdown: Boots (40), M&S Bank (52), Nationwide BS (405), Tesco Bank (58), Thomas Cook (67), The Co-operative Insurance (55), Post Office (187), Saga (138), Debenhams (50), Direct Travel (50), Insure&Go (256), Staysure (167), Halifax (148), Axa (203), Virgin Money (87), Lloyds (285), RBS (81), NatWest (153), Columbus Direct (50), Direct Line (108), First Direct (44), Churchill (40), All Clear (40), HSBC (118), Holidaysafe (51), Aviva (200), Barclays (200), Age UK (38), LV (65), AA (121), Santander (46), Flexicover (50), Admiral (50), 50 Plus (30), Bupa (32), TSB (67), American Express (72).

Policy scores are based on the provider's standard policy. Annual and Single-trip policy score is our assessment of the quality of standard policies from each of the providers, comparing 22 categories from each policy type to come out with each overall score.

Providers must receive a minimum sample size of 30 respondents to generate a customer score and inclusion in the table.

Total score is made up of 50% of the Customer score and 25% each of Annual and Single-trip policy scores.  

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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