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Co-op Insurance travel insurance review

Read our expert review of Co-op's travel insurance. Find out how we rate Co-op's policy and how it compares with dozens of other travel insurance providers.

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

Co-op Insurance travel insurance overview

Co-op Insurance has been a travel insurance specialist for 30 years, covering more than 150 sports and activities, as well as providing specific cover for backpackers.

Co-op Insurance's travel policy is underwritten by Mapfre Asistencia.

How good is Co-op Insurance's 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).

Co-op Insurance Bronze Annual and single trip 31 days No age limit Logged out score Superior
Co-op Insurance Silver Annual and single trip 31 days (over 66) / 45 days (under 66) No age limit Logged out score Superior
Co-op Insurance Gold Annual and single trip 31 days (over 66) / 90 days (under 66) No age limit Logged out score Superior
Co-op Insurance Platinum Annual and single trip 31 days (over 66) / 365 days (under 66) No age limit Logged out score Superior

 

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 others. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy Co-op Insurance 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 Co-op Insurance's travel insurance rated

   

Bronze

Silver

Gold

Platinum

Weighting Policy element Details Rating 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 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 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 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 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 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 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 Logged out detail Logged out padlock

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

To see how Co-op travel insurance compares with other policies, check out our guide to the best and worst travel insurance.

Is Co-op Insurance'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 the policies 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.

Co-op Insurance travel insurance: how can I claim?

For emergency medical assistance and curtailment claims call 0207 748 0060, or +44 207 748 0060 from abroad.

To make a claim call 0330 400 1505, or +44 203 362 2450 from abroad.

If you need to cancel your trip, 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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