Post Office travel insurance review

The Post Office insurance offers three levels of annual and single-trip cover: Premier, Standard and Economy .

If you're buying a policy for your family, children under 18 without medical conditions are covered free on these policies.

The provider also offers backpacker cover for travellers (aged 18-60) looking to make more extended trips, which we've not been able to review. 

The Post Office is underwritten by Collinson Insurance, a trading name of Astrenska Insurance Limited.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does the Post Office offer the best travel insurance?

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What does Post Office travel insurance offer?

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How good are the Post Office's travel insurance policies?

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Is Post Office travel insurance good if you have a medical condition?

If you have a pre-existing medical condition, you'll need to declare it when obtaining your quote, which may result in a higher premium.

The Post Office works with a medical screening company called Verisk to assess customers' medical conditions.    

The Post Office 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 condition at a reasonable price.

If you are struggling to obtain cover, check our guide on travel insurance if you have a medical condition.

How good is the Post Office at handling claims?

The latest data from the Financial Conduct Authority shows that the Post Office's underwriter, Astrenska, paid out 90-95% of claims made on annual European policies in 2023. This was above the average rate of 82.20%.

It accepted 85-90% of claims made on annual worldwide policies, above the average of 78.90%.

And it settled 85-90% of claims made on single-trip policies, above the average rate of 80.40%.

Post Office travel insurance: how can I claim?

For medical emergencies abroad, call +44 (0)208 865 3074. 

To make a non-emergency claim, call 0333 333 9702 or 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 them know if there's a chance you will need to claim.    

You'll need to provide your policy number when you call.

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