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Columbus Direct travel insurance review

Read Which?'s expert review of Columbus Direct's travel insurance. Find out how we rate Columbus Direct's policy and how it compares with dozens of other travel insurance providers

In this article
Columbus Direct travel insurance overview How good is Columbus Direct travel insurance? Should you buy Columbus Direct travel insurance?
Is Columbus Direct's travel insurance coronavirus proof? Columbus Direct travel insurance: how can I claim? Get top money-saving tips from Which?

Columbus Direct travel insurance overview

Columbus Direct has been a travel insurance specialist for 30 years, covering more than 150 sports and activities, as well as providing specific cover for backpackers.

Columbus Direct's insurance policy is underwritten by Astrenska Insurance Limited.

How good is Columbus Direct travel insurance?

Policy name

Policy type Max trip length Max age Policy score

Covid 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).

Columbus Direct Bronze Annual and single-trip 31 days (annual) / 185 days (single) 74 years old (annual) / 85 years old (single) Logged out score Low
Columbus Direct Silver Annual and single-trip 45 days (annual) / 185 days (single) 74 years old (annual) / 85 years old (single) Logged out score Low
Columbus Direct Gold Annual and single-trip 45 days (annual) / 185 days (single) 74 years old (annual) / 85 years old (single) Logged out score Low

 

How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy Columbus Direct travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of Columbus Direct's travel insurance rated

   

Bronze

Silver

Gold

Weighting Policy element Details Rating Details Rating Details Rating
Most Important Medical expenses - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Most Important Medical repatriation - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Most Important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

To see how Columbus Direct's travel insurance compares with other policies check out our guide on the best and worst travel insurance.

Is Columbus Direct's travel insurance coronavirus proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically, we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad; having to cancel because of a positive test; having to cancel because of self-isolation; or having to cancel because of government advice.

We've rated insurers' coronavirus cover, and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews

Columbus Direct travel insurance: how can I claim?

For emergency medical assistance and curtailment claims from abroad call +44 (0)20 8865 1640.

To make a claim call 020 8865 1654.

If you need to cancel your trip, you should contact your travel agent and/or airline about refunds or rebooking before contacting your insurer.

You'll need your policy document when you call.

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