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Direct Travel travel insurance review

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

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

Direct Travel travel insurance overview

Direct Travel is listed in the Travel Adviser Directory compiled by the Money Advice Service and the Financial Conduct Authority as specialising in covering serious medical conditions.

Direct Travel's insurance policy is arranged by Chaucer Insurance Company DAC

How good is Direct Travel 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).

Direct Travel Budget Annual and single-trip 17 days (annual) / 66 - 365 days depending on age (single) 65 years old Logged out score Basic
Direct Travel Standard Annual and single-trip 21 days (annual) / 66 - 365 days depending on age (single) 70 years old Logged out score Low
Direct Travel Premier Annual and single-trip 31 days (annual) /  66 - 365 days depending on age (single) 75 years old Logged out score Low
Direct Travel Premier Plus Annual and single-trip 31 days (annual) /  66 - 365 days depending on age (single) 75 years old 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 Direct Travel 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 Direct Travel's travel insurance rated

   

Budget

Standard

Premier

Premier Plus

Weighting Policy element Details Rating Details Rating Details Rating Details Rating
Most Important Medical expenses - limit per claim Logged out padlock 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 padlock 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 padlock 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 padlock 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 padlock 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 padlock Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other GHIC excess waiver Logged out padlock 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 Direct Travel's travel insurance compares with other policies, check out our guide on the best and worst travel insurance.

Is Direct Travel'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

Direct Travel travel insurance: how can I claim?

For emergency medical assistance and curtailment claims from abroad, call +44 (0)203 472 2388.

To make a claim call 01702 553 443.

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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