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Sainsbury's Bank travel insurance review

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

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

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.

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) Logged out score Low
Sainsbury's Bank Gold Annual and single trip 62 days (annual) / 94 days (single) 80 years old (annual) / No age limit (single) Logged out score Low
Sainsbury's Bank Platinum Annual and single trip 62 days (annual) / 94 days (single) 80 years old (annual) / No age limit (single) 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 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

   

Silver

Gold

Platinum

Weighting Policy element Details Rating Details Rating Details Rating
Most important Medical expenses - limit per claim 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 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 detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? 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 detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock Logged out detail Logged out padlock Logged out detail Logged out padlock
Other GHIC excess waiver 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 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.

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