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Virgin Money travel insurance review

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

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

Virgin Money travel insurance overview

Virgin Money has existed as a challenger bank since 1995 and after acquiring a retail banking licence in 2010, Virgin Money has been offering financial products to over three million customers.

Virgin Money's travel insurance is underwritten by MAPFRE Asistencia. 

How good is Virgin Money 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).

Virgin Money Red Annual and single trip 31 days (annual) / 365 days (single) No age limit Logged out score Superior
Virgin Money Silver Annual and single trip 45 days (annual) / 365 days (single) No age limit Logged out score Superior
Virgin Money Gold Annual and single trip 90 days (annual) / 365 days (single) No age limit Logged out score Superior
Virgin Money Black Annual and single trip 90 days (annual) / 365 days (single) 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 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 Virgin Money 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 Virgin Money's travel insurance rated

   

Red

Silver

 Gold

Black

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 Virgin Money's travel insurance compares with other policies check out our guide on the best and worst travel insurance.

Is Virgin Money's travel insurance coronavirus proof?

All four of Virgin Money's policy levels received our Superior rating for Covid-19 cover. 

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

Virgin Money travel insurance: how can I claim?

For medical emergencies abroad call +44 (0) 207 748 8908.

For other claims, call 0330 400 1265.

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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