Sainsbury's Bank travel insurance review

Sainsbury's Bank travel insurance overview

Sainsbury's was established 150 years ago and became the first major supermarket to open a bank in the UK in February 1997. Today, its offshoot Sainsbury's Bank offers a range of financial products including home insurance, travel insurance, pet insurance and personal loans and credit cards.

Sainsbury's Bank travel insurance is underwritten by Great Lakes on behalf of ERGO TIS.

• Find out more: the best and worst travel insurance

How good is Sainsbury's Bank 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).
Sainsbury's Bank Silver	Annual and single trip	62 days (annual) / 94 days (single)	80 years old (annual) / No age limit (single)		Low
Sainsbury's Bank Gold	Annual and single trip	62 days (annual) / 94 days (single)	80 years old (annual) / No age limit (single)		Low
Sainsbury's Bank Platinum	Annual and single trip	62 days (annual) / 94 days (single)	80 years old (annual) / No age limit (single)		Low

Should you buy Sainsbury's Bank 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 Sainsbury's Bank's travel insurance rated

Medical expenses coverCancellation and delay coverPersonal belongings coverPersonal accident and liability coverExcesses and admin

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

		Silver		Gold		Platinum
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating
Most important	Cancellation and curtailment - limit per claim
Most important	Costs for cancellation due to change in FCDO advice (non-Covid-19 related)
Secondary	Cancellation due to death of person staying with?
Most important	Abandonment - limit per claim
Most important	Bankruptcy of the holiday supplier included?
Most important	Bankruptcy of an airline included?
Secondary	Industrial strike included?
Secondary	Volcanic ash included?
Secondary	Terrorism included?
Secondary	Civil unrest included?
Secondary	Missed departure - limit per claim
Secondary	Missed departure - flights covered
Secondary	Travel delay - first 12hr
Secondary	Travel delay - each additional 12hr period
Secondary	Travel delay (Total) - limit per claim

		Silver		Gold		Platinum
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating
Most important	Baggage & personal belongings - limit per claim
Most important	Valuables - unspecified single item limit
Most important	Cash - limit per claim
Secondary	Traveller's cheques - limit per claim
Secondary	Passport replacement costs - limit per claim
Secondary	Delayed baggage - limit per claim

		Silver		Gold		Platinum
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating
Secondary	Personal liability - limit per claim
Other	Personal accident (Death) - limit per claim
Other	Personal accident (Disability) - limit per claim
Other	Legal expenses - limit per claim
Other	Legal expenses - covered for taking action against holiday providers?

		Silver		Gold		Platinum
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating
Most important	Medical expenses excess
Most important	Cancellation excess
Most important	Personal belongings / Valuables excess
Most important	Money excess
Most important	Documents excess
Other	Legal expenses excess
Other	Personal accident excess
Secondary	Cancellation refund after cooling off period
Most important	Medical emergency helpline
Secondary	Emergency helpline

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

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

Is Sainsbury's Bank'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.

Sainsbury's Bank travel insurance: how can I claim?

For emergency medical assistance call +44 (0) 1403 288 125.

To make a claim call 01403 288 421. You can also make a claim online.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

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

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