Coronavirus Read our latest advice

We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

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. Read our travel insurance companies reviews to find the top travel insurers.

In this article
Coronavirus (Covid-19) travel insurance update How do I find the best travel insurance?
Best travel insurance companies How we calculate our scores

Coronavirus (Covid-19) travel insurance update


The spread of coronavirus has resulted in considerable disruption to travel plans. It has also caused some insurers to make changes to their policies.


You can find the latest updates and answers to your questions in our dedicated article on coronavirus and travel insurance.

How do I find the best travel insurance?

We scrutinised the standard annual and single-trip travel insurance policies of 130 providers and combined our analysis 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 Which? Recommended Provider, 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 last updated in May 2019. Next updated in May 2020. 


Best travel insurance companies

This table shows the best and worst travel insurers for customer satisfaction and the quality of their policies. 

Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.


Provider undefined Single-trip
policy score
policy score
Logged out detail 83% 83% 83% 83%
Logged out detail 76% 82% 82% 79%
Logged out detail 75% 83% 83% 79%
Logged out detail 77% 80% 80% 78%
Logged out detail 79% 75% 75% 77%
Logged out detail 76% 79% 79% 77%
Logged out detail 73% 81% 81% 77%
Logged out detail 71% 83% 83% 77%
Logged out detail 77% 75% 75% 76%
Logged out detail 74% 75% 75% 75%
Logged out detail 74% 73% 73% 74%
Logged out detail 77% 70% 70% 74%
Logged out detail 74% 74% 74% 74%
Logged out detail 73% 75% 75% 74%
Logged out detail 77% 68% 68% 73%
Logged out detail 79% 64% 64% 72%
Logged out detail 73% 68% 68% 71%
Logged out detail 76% 63% 63% 70%
Logged out detail 70% 70% 70% 70%
Logged out detail 75% 63% 63% 69%
Logged out detail 72% 66% 66% 69%
Logged out detail 72% 65% 65% 68%
Logged out detail 69% 67% 67% 68%
Logged out detail 70% 63% 63% 67%
Logged out detail 73% 60% 60% 66%
Logged out detail 70% 62% 62% 66%
Logged out detail 72% 58% 58% 65%
Logged out detail 73% 55% 55% 64%
Logged out detail 71% 56% 56% 64%
Logged out detail 78% 52% 52% 65%
Logged out detail 71% 55% 55% 63%
Logged out detail 67% 59% 59% 63%
Logged out detail 66% 61% 61% 63%
Logged out detail 71% 52% 52% 61%
Logged out detail 72% 45% 45% 59%



*These insurers are no longer selling cover to new customers due to Coronavirus (COVID-19). Read more here.

**Most policies currently available will not cover any cancellation claims related to Coronavirus (COVID-19) for any policy purchased after 9am 13th March, or new trips booked with existing annual multi trip policies after the same date. Medical claims relating to Coronavirus (COVID-19) will still be covered. Please visit the provider's website for more detailed policy information. Read more here. 

Customer score data is based on a survey of 4,471 respondents from the general public telling us about their travel insurance provider in March 2019.

Sample breakdown: NFU Mutual (39), Tesco Bank (102), Boots (38), John Lewis (39), Just Travel Cover (40), M&S Bank (82),Post Office (132), NatWest (150), Age Co (39), Nationwide (382), HSBC (121), American Express (61),InsureandGo (210), LV (53), First Direct (40), Santander (68), Saga (198), Barclays (167), Thomas Cook (100), Lloyds (219), Co-op Insurance (47), Holidaysafe (52), Debenhams (49), Direct Line (149), Halifax (152), Virgin Money (90), Alpha Insurance (40), AXA (184), TSB (68), Aviva (200), Churchill (39), Admiral (50), Direct Travel (50), Staysure (164), Columbus Direct (43), Flexicover (61), RBS (81), All Clear (42), Bupa (39), AA (109).

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 our scores

Customer scores

The customer score is based on a survey of 4,471 general public respondents and are worked out using a combination overall satisfaction and likelihood of recommending the provider.

If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included.

Policy scores

The policy score is our assessment of the quality of standard cover comparing 22 elements of annual and single-trip travel insurance policies. 

Total score

Total score is made up of 50% of the customer score and 25% each of annual and single-trip policy scores.