Flexicover travel insurance review

We've rated three Flexicover Travel policies provided by Tifgroup. 

The three levels of cover are Silver, Gold and Diamond.

Flexicover's travel insurance policies are underwritten by Collinson Insurance. Collinson Insurance is a trading name for Astrenska Insurance Limited.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does Flexicover offer the best travel insurance?

See our full list of the best travel insurance.

What does Flexicover travel insurance cover?

'A lot to like in Flexicover's top policy'

Dean Sobers, Which? travel insurance expert, says:

Ranking in the top 20% of policies rated, Flexicover's Diamond policy is a Best Buy.

It has a high cancellation limit of £5,000 and comes excess-free.

One thing to watch out for is that cancellation for events such as natural disasters and civil unrest aren't covered as standard with Flexicover. You'll need to buy additional cover if you want comprehensive protection for changes in FCDO advice. The only event covered without paying extra is strike action.

Full missed departure cover

If you've booked your flights separately, a delay with one leg of your journey could lead to you missing connections, with no recourse from the airline to get you back on track. 

With three in 10 policies we checked, missed connecting flights aren't covered – meaning no recourse from the insurer, either. Fortunately, Flexicover's missed departure covers outgoing, connecting and returning flights.

Gold and Silver

With lower levels of cover than Diamond, and a £65 policy excess, Gold earned 60%, placing it near the middle of our table. 

Silver, earning 58%, was in the bottom 40% of policies rated.

Is Flexicover good if you have a medical condition?

If you have a pre-existing medical condition, Flexicover may be able to cover it. To find out if it can and how it will affect the premium, you'll need to declare the condition when you run your quote.

Flexicover works with a medical screening company, Verisk, to ask customers about their medical conditions.    

Flexicover isn't a specialist provider for customers with pre-existing medical conditions – but this doesn't mean it can't cover your medical condition at a reasonable price.

However, if you're struggling to obtain cover, check our guide on travel insurance if you have a medical condition.

How good is Flexicover at handling claims?

Flexicover's claims are handled by Collinson Claims – connected to Collinson Insurance, which underwrites the policy. Collinson Insurance is a trading name of Astrenska Insurance Limited.

• According to the most recently published FCA data, Flexicover's underwriter Astrenska paid 90-95% of claims on annual European policies in 2024. This was a higher acceptance rate than the average of 86.30%.
• It paid 90-95% of worldwide annual claims – again, better than the 84.50% average.
• And it accepted 85-90% of single-trip claims. The average here was 80%. 

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Flexicover's travel insurance: how can I claim?

For medical emergencies abroad, call +44 (0) 333 005 1074.  

To make other types of claim, call 0333 005 1073. You can also start a claim online

Insurers will usually expect you to try to recoup lost costs (such as deposits) elsewhere before claiming with them – for example, checking with the travel provider if you're entitled to a refund or can move a cancelled trip. However, you can still call the insurer to let it know if there's a chance you will need to claim.

You'll need to provide your policy number when you call.

• Find out more: how to claim on your travel insurance

How does Flexicover compare with other providers?

The Diamond policy has a 68% score and is a Best Buy. Above it is the Gold policy from Axa, Platinum from CoverForYou, the Ultimate Reward packaged bank account from Halifax, First from Insure & escape, Flexi Silver from Leisure Guard, and the Black packaged bank account from NatWest. These scored 69%. 

Below, with 67%, were Insure & Go's Black policy (a Best Buy), Standard from Leisure Guard, NatWest's Silver and Platinum packaged bank accounts, Platinum from Outbacker, Standard from Tesco and Silver from Travel Insurance Saver's Silver policy.

Should you buy Flexicover travel insurance?

Potentially. We're fans of its Diamond policy – if a bit underwhelmed with its cheaper alternatives.

How we rate travel insurance