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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
We've rated four Holidaysafe policies that are available for single or annual trip cover.
There are four levels of cover: Standard, Premier, Premier Plus and Platinum.
Holidaysafe travel insurance is underwritten by Collinson Insurance.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular T&Cs of an insurer before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Holidaysafe earned two Best Buys, with its Platinum cover in the top fifth of policies we rated
70%
Policies
of 48 travel insurers' highest-scoring policies
See our full list of the best travel insurance.
| Medical expenses | £10 million | |
| Dental treatment | £10 million | |
| Cancellation | £7,500 | |
| Travel abandonment | £7,500 | |
| Natural disaster cover | Optional extra | |
| Cancellation / curtailment: illness, injury or death of person policyholder staying with | Yes/Yes | |
| Bankruptcy of holiday supplier | Not covered | 0 out of 5 |
| Bankruptcy of airline | Not covered | 0 out of 5 |
| Travel delay | £500 | |
| Missed departure: outgoing, returning, connecting | Yes/Yes/Yes | |
| Baggage/personal belongings | £5,000 | |
| Personal liability | £2 million |
Table last updated in May 2026. Next update in May 2027. We recommend checking policies before buying. See how we analyse travel insurance.
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Dean Sobers, Which? travel insurance expert, says:
The Platinum policy sat in the upper fifth of 163 policies rated, with a score of 70%.
Highlights included no excesses for claims. The policy also has a £5,000 limit on baggage cover - with gadgets cover at £3,000. Importantly, though, you can only claim up to £500 per individual item.
The Platinum policy covers costs related to missed departures up to £1,500. Premier and Premier Plus cover these up to £1,000. You can claim for delays due to strike action or your car breaking down, but you'll need to purchase the Large Scale Events add-on for protection against other causes such as civil unrest or volcanic ash.
For annual travel insurance, the Platinum and Premier Plus policies have a maximum trip length of 45 days, but with Platinum this can be extended to 60 by contacting Holidaysafe.
Standard and Premier policies have a maximum trip length of 31 days for annual policies.
Single-trip policies have maximum trip lengths dependent on age. It's 94 days if you're up to 65 years old, 45 days between 66 and 79 years old, and 31 days if you're 80 or over.
All four policies cover any pre-paid transport, activities and accommodation if you need to cancel or cut your trip short. Limits on cancellation costs range between £1,500 and £7,500.
If you want to make sure you're covered against having to cancel your trip because of warnings against travel from the Foreign, Commonwealth and Development Office (FCDO) advice, you'll need to buy an add-on.
Premier Plus earned a highly respectable 65% score (placing it in the top 40% of policies reviewed), with Premier scoring 63% - just above the average score of 62%.
Standard scored 58% overall, placing it in the bottom half of our table.
Unlike the Platinum policy, Premier, Premier Plus and Standard have excesses ranging from £40 to £100.
Holidaysafe offers cover for additional hospital-related costs during treatment abroad; however, the Standard policy has a daily limit of £20 and a total limit of £400 compared with the other three policies, which have a daily limit of £50 and a total of £1,000.
If you have a pre-existing medical condition, you'll need to declare it when you buy your cover, which may result in a higher premium.
The medical screening process is overseen by a company called Protectif.
Holidaysafe isn't a specialist provider for customers with pre-existing medical conditions, but this doesn't necessarily mean it won't be able to cover your medical condition at a reasonable price.
However, if you're struggling to obtain cover, check our guide to travel insurance if you have a medical condition.
Holidaysafe's claims are handled by a firm called Collinson Claims - which is connected to the underwriter (Collinson Insurance).
Holidaysafe's underwriter, Collinson, is a trading name of Astrenska.
For medical emergencies abroad, call +44 (0)333 005 1084.
To make other types of claim, call 0333 005 1105. You can also start a claim online
Insurers will usually expect you to try recouping 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'll need to claim.
You'll need to provide your policy number when you call.
The Platinum policy has a score of 70% and is a Best Buy. Gold, from Travel Insurance Saver, Platinum from Admiral and Gold from Leisure Guard are just above it with 71%.
Just below it, scoring 69%, are the Gold policy from Axa, First from Insure and Escape, the Black packaged bank account from NatWest, the Ultimate Reward Account from Halifax and the Platinum policy from CoverForYou.
Yes – if you can get Holidaysafe's Platinum or Premier Plus policies at a decent price. These offer Best Buy cover that we think is well worth considering.
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