Flexicover travel insurance overview
Flexicover is a division of Citybond Holdings Ltd and has been providing travel insurance for over 30 years.
Its policies are underwritten by Travel Insurance Facilities with Union Reiseversicherung AG and UK URV.
- Find out more: the best and worst travel insurance
How good is Flexicover 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). |
|---|---|---|---|---|---|
| Flexicover Silver | Annual and single-trip | 31 days (annual) / 94 days (single) | 79 years old (annual) / No age limit (single) |
| Low |
| Flexicover Gold | Annual and single-trip | 31 days (annual) / 94 days (single) | 79 years old (annual) / No age limit (single) |
| Low |
| Flexicover Platinum | Annual and single-trip | 31 days (annual) / 94 days (single) | 79 years old (annual) / No age limit (single) |
| Low |
| Flexicover Diamond | Annual and single-trip | 45 days (annual) / 94 days (single) | 79 years old (annual) / No age limit (single) |
| 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 Flexicover 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 Flexicover's travel insurance rated
Silver | Gold | Platinum | Diamond | ||||||
| Weighting | Policy element | Details | Rating | Details | Rating | Details | Rating | Details | Rating |
| Most Important | Medical expenses - limit per claim |
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| Most Important | Medical repatriation - limit per claim |
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| Most Important | Private healthcare covered in an emergency (if no alternative)? |
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| Secondary | Pre-existing medical conditions covered? |
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| Secondary | Dental treatment - limit per claim |
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| Other | Hospitalisation cover - limit per claim |
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| Other | GHIC excess waiver |
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Table last updated in June 2021. Next update in June 2022.
To see how Flexicover's travel insurance compares to other policies, check out our guide on the best and worst travel insurance.
Is Flexicover'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
Flexicover travel insurance: how can I claim?
For emergency medical assistance call 0203 824 0713.
To make a claim, you have to fill in an online form or download a claims form.
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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