admiral gold cover travel insurance

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Admiral Travel Insurance Review: Top Tiers Include Catastrophe Cover

• Can add £1,000 of Gadget cover
• Covering Personal Belongings/Baggage on all plans
• Trip Delay/Cancellation/Curtailment
• Long single trips
• Catastrophe cover for ash clouds, storms, etc. (Gold and Platinum Plans)
• Covering Insolvency of End Supplier

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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Admiral offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection (including Delayed Baggage on all plans). If you want cover for catastrophes (e.g., volcanic ash cloud and storms) then choose one of the top two tiers—Gold or Platinum. Policyholders also have the option to buy extras like Winter Sports, Gadget, Golf and Cruise (included on Platinum). End Supplier Failure is not covered on Admiral plans, however.

In This Review

• Admiral Travel Insurance Price Comparison
• Buying Admiral Direct or from a Comparison Site: What are the Differences?

Notable Features

• Policy Limits and Coverage Options
• Comparing Admiral to the Competition
• Policy Wording and Claims

Read our review to learn about features and prices of Admiral travel insurance—plus we'll explain the main differences between buying direct direct from the Admiral site versus buying through a travel insurance comparison engine , to help you decide where to buy. Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Admiral Travel Insurance Review: What You Need to Know

Admiral offers three levels of Annual and Single Trip travel insurance—Admiral, Admiral Gold and Admiral Platinum. All policies include some level of cover for Trip Cancellation , Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident and Personal Belongings. Mid-tier (Gold) and top-tier (Platinum) policies also include Catastrophe cover; top-tier plans include Hijack cover and Cruise cover as well. But there's no cover for financial failure of suppliers like airlines or hotel operators.

As for optional extras, Winter Sports can be added to all tiers of insurance for an additional cost. Gadget and Golf cover are optional add-on features available for the top two tiers for an additional cost —Admiral Gold and Admiral Platinum. You can't add these features to the lowest tier Admiral plan. Cruise cover is included as standard on Admiral Platinum policies, or available for an extra cost on the lower tiers.

Those going on a cruise can get optional cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

How to Buy Admiral travel insurance plans can be purchased either via a comparison engine or direct from Admiral . The basic limits are the same, regardless of where you buy your policy. Differences between buying direct and buying from a comparison site mostly relate to excess and price: generally speaking, plans from a comparison site typically cost less (around 20% less, in fact, for Annual, Multi-trip policies according to our pricing analysis) BUT they have a higher excess for the same cover levels. A higher excess means you contribute more towards any claims. Those buying direct are sometimes offered a 10% discount for buying online, so it's good to check the website to see what discounts are offered today.

Are Gadgets (e.g., Mobile Phones) Covered? Gadgets including mobile phones are covered to some extent on all plans through the Valuables section of cover. However, the standard Valuables limit may be too low for you—it's only £200, £300 or £400, depending on which plan you choose. If you travel with multiple gadgets or more expensive gadgets, you might want to consider adding Admiral's Optional Gadget Cover to an Admiral Gold or Admiral Platinum policy. (Optional Gadget Cover is not available as an add-on to the lowest tier of cover, Admiral plans.) You're able to add this to your policy whether you buy direct or from the comparison site.

What is the cost of adding gadget cover to Admiral travel insurance? We checked in November 2023 and were quoted £4.30 for £1,500 of additional cover for a single trip for the loss, theft or damage of gadgets. Prices may vary.

To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover .

Does Admiral Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Admiral policies, so long as you pre-booked at least 2 consecutive nights of commercially-operated accommodation more than 25 miles from your home.

Pre-Existing Conditions: Admiral may be able to offer cover for some pre-existing medical conditions , for which you'll pay a higher premium. Pre-existing conditions are only covered if they've been declared by you, Admiral has given written acceptance and you've paid an additional premium.

As part of the online quote process you can declare your conditions to see if cover can be offered, and for what added cost. Or you can call Admiral's Medical Screening number (0333 234 9913) to discuss your particular situation.

Over 65s: Now, the latest policy documents don't specify upper age limits. Previously, they said that the age limit for travellers on Admiral's Annual Multi-Trip policies was 75 years or under or 79 years or under for a Single Trip. Cover for Winter Sports was subject to an age limit of 65 years. Now they say 'the cover we can offer you will vary depending on our age limits, underwriting criteria, the cover you need and the details you provide.'

Covid Cover: You're covered for emergency medical treatment and repatriation if you contract Covid-19 abroad; for cancelling your trip if you are diagnosed with Covid-19 within the 14 days prior to your trip departure or the hospitalisation or death of a close relative within the 14 days prior to your trip departure, as a result of Covid-19 (Cover is subject to your policy being active at the time of the event and proof of a positive Covid-19 test.)

Admiral Price Comparison

According to our data research in February 2018, prices of Admiral Travel Insurance were noticeably lower than the average cost of travel insurance in the UK. In fact, even Admiral's top-tier Platinum policies come in below average, as you can see in the following chart of Annual, Multi-trip plans by geography.

According to data we gathered, prices of Annual, Multi-trip policies from comparison sites were around £5 to £10 cheaper than policies bought direct from Admiral, depending on geography and type of plan, representing a savings of approximately 20%.

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for general educational purposes only; your quotes may reflect a large degree of variation.

We also gathered quotes for Admiral plans for a family of four from the Admiral website—they'll pay on average 2X the cost of an individual policy (basically, kids go free). Below you can see how prices change across geographical locations like Europe and America and policy types for a family of four. Plans bought from a comparison site would be expected to cost less.

How much more expensive is travel insurance for a family of 4?

Cost of Add-On Extras

Winter Sports, Cruise, Gadget and Golf cover may be added for an extra cost to some of Admiral's travel insurance policies. We've gathered quotes across geographies and types of policies for a 30-year-old individual to give you an idea of the cost of travel insurance add-ons —these prices reflect policies bought directly from the Admiral website.

Buying Direct vs Using a Comparison Site

Generally speaking, you'll pay less for an Admiral travel insurance policy if you purchase it through a comparison engine ( try ours here ). Of course, there is a trade off. Policies—which are otherwise nearly identical—differ on a few points. First, the excess is higher on the comparison site policies. Second, the upper age limit is lower on policies via a comparison site.

Differences between Direct and Comparison Site Policies

You'll notice that the upper age limit for Winter Sports is the same regardless of where you buy (65 years), as is the maximum trip length on Annual, Multi-trip policies (31 days).

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Buying Admiral Direct from the Admiral Website

Those in their 70s or older may find more success buying direct, due to the higher upper age limits discussed above.

For an extra cost you can add golf cover to plans bought direct, if needed.

Here is a brief recap of some features available on Admiral travel insurance policies. Standard features like Medical and Personal Liability are also included on Admiral policies, limits for which can be found below in the Policy Limits section . For more complete details including inner limits and exclusions, please refer to the policy documents .

Types of Admiral Travel Insurance Policies

Admiral offers three tiers of travel insurance—Admiral, Admiral Gold and Admiral Platinum. All are available for Single Trips or as Annual, Multi-Trip policies. Admiral Single Trip travel insurance covers trips up to 365 days abroad. Admiral Annual Multi-Trip policies cover any number of trips a policy year, up to 31 days each. You may be able to extend the maximum trip duration for an extra charge, subject to the underwriter's approval. The following limits and plan details are consistent across policies purchased from the Admiral website and a comparison site.

Admiral Travel Insurance

The "Admiral" plan is their entry-level travel insurance offering. Emergency Medical expenses are covered up to £10 million and you get up to £1,000 of cover per insured person for Travel Delays, Trip Cancellation/Curtailment and Personal Belongings.

You can add Winter Sports or Cruise cover to Admiral's cheapest plans, but Golf and Gadget cover are not offered as add ons.

Admiral Gold Travel Insurance

As Admirals's mid-tier offering, Gold policies include higher limits and the addition of Catastrophe cover (e.g., volcanic ash, earthquake, storm, flood, tsunami, etc.). Cruise, Winter Sports, Golf and Gadget cover may be added for a cost.

Admiral Platinum Travel Insurance

Admiral Platinum is the top-tier travel insurance plan with the highest cover limits per person. If the Platinum premium fits in your budget, you'll get the highest coverage levels with this plan. In addition to features of the Gold plans, Cruise cover is included as standard on Platinum policies.

Cover Limits (Single & Annual Multi-Trip)

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Admiral Travel Insurance Compare to Competitors?

To better understand the value of Admiral travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Admiral Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. While prices are a bit higher than average, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard.

Bottom Line: If you really want cover for End Supplier Failure or Natural Disasters, or if you book trips with miles, then Direct Line might provide more comprehensive travel insurance for you.

Admiral Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers good value for money, with all plans including Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe. Those who ski or snowboard will get longer Winter Sports cover with AXA (over 30 days, depending on the plan).

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, or you spend more than 17 on Winter Sports trips per year, then AXA might be a more comprehensive travel insurance option for you.

Admiral Travel Insurance vs Sainsbury's Travel Insurance

Sainsbury's travel insurance offers solid travel cover at decent prices, especially when purchased through a comparison site. All plans include Baggage, Cancellation and Emergency Medical, but you also get Scheduled Airline Failure, Delayed Departure and Trip Abandonment. Extended Gadget cover can be added to all plans, to cover mobile phones, iPads, etc. Trip lengths are longer than average (notably up to 92 days on top-tier plans bought direct).

Bottom Line: Those needing cover for longer trips might find more suitable travel insurance from Sainsbury's Bank.

Other Useful Information: Policy Wording and Claims

Admiral's 24-hour Emergency Assistance Helpline can be reached on +44 (0)292 010 7777. Use this number if you have a medical emergency while you're abroad or you're injured, become ill or have to cut your trip short. If you need medical treatment, you're supposed to call this number before you seek medical treatment.

For other non-emergency claims on Admiral travel insurance, call their claims team on 0333 234 9914 between 8am and 8pm Monday to Friday, or between 9am and 4pm Saturday (closed Sundays and Bank Holidays).

• Admiral Travel Insurance Key Facts, Direct
• Admiral Travel Insurance Policy Book, Direct

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Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Admiral Travel Insurance

Can admiral provide you with the right level of cover for your next trip.

In this guide

Who is Admiral?

What are my policy options, what is covered under my policy, what is my excess, what is the claims process.

Update: Admiral has announced that it has suspended selling travel insurance in the midst of the coronavirus pandemic. Try our travel insurance comparison page to find another insurer.

If you’re looking for peace of mind on your next getaway, travel insurance is the way to go. Is the insurance giant Admiral the right travel insurance provider for your next trip?

Admiral offer cover for a range of trips, so continue reading to find out more about Admiral and their policy options.

Admiral is a UK based insurance giant that was founded in 1993. It is a trading name of EUI Limited, and a subsidiary of the Admiral Group.

Who underwrites Admiral's policies?

Admiral offer cover for a range of holidays, as well as some optional extras you can add on to your policy. As well as this, Admiral Travel Insurance now covers you for certain events related to Coronavirus. Below we have given a brief summary of the policy options available with Admiral.

• Single trip
• Optional extras

Features of the policy include:

• Cover for up to 365 days
• 24 hour emergency assistance helpline
• Cancellation cover
• Cover for personal belongings
• Unlimited travel for trips up to 31 days
• Medical emergency cover
• Personal liability
• Legal protection
• Worldwide cover
• Winter sports
• Cruise travel insurance
• Gadget insurance

With Admiral’s travel insurance, you get three levels of cover: Admiral, Admiral Gold and Admiral Platinum. Below we have listed what’s covered under each policy.

As you would expect, the policy payout amount will increase as you move from Admiral to Platinum cover.

An excess is the amount of money you contribute to each claim you make before Admiral will pay out.

The amount of your excess you have to pay will depend on which policy level you have and the nature of your claim. Make sure to check your policy schedule where your excess details will be shown in detail.

To make a claim with Admiral, you will have to call their claims team.

If you have a medical emergency, call the 24 hour emergency assistance helpline on: +44(0)292 010 7777.

For all other claims, call: 0333 234 9914. The lines are open 8am to 8pm Monday to Friday, and 8am to 4pm on Saturdays.

Travel insurance scores

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology .

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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

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How the AmEx Gold Travel Insurance Works

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Table of Contents

What types of travel insurance does the American Express® Gold Card provide?

Understanding the american express® gold card baggage insurance policy, how to get rental car insurance through the american express® gold card, american express® gold card trip delay travel insurance, how amex global assist works, american express® gold card travel insurance, recapped.

The American Express® Gold Card is best known for its dining, grocery and rideshare perks. However, this mid-tier rewards card also offers cardholders several benefits that can make it an appealing option for booking flights and rental cars. Terms apply.

Does the American Express® Gold Card have travel insurance ? Yes — in fact, several kinds. From travel protections to car rental damage waivers, let's find out how the American Express® Gold Card travel insurance works. Terms apply.

American Express offers four types of travel insurance and protections to holders of the American Express® Gold Card :

Baggage insurance that covers lost, damaged or stolen baggage.

Car rental insurance which covers damage to or theft of eligible car rentals.

Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours.

Global Assist helps coordinate services when things go wrong on a trip.

Terms apply.

Each of these travel protections has limits, exclusions and requirements. For example, you'll generally need to pay for trips with your American Express® Gold Card to get these travel protections. And the maximum benefit for each of these is capped at a certain amount. Let's dig into the details. Terms apply.

» Learn more: How to file travel insurance claims

Cardholders of the American Express® Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier — such as an airline. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your American Express® Gold Card or American Express Membership Rewards points. Terms apply.

AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). And it's not just the cardmember's bags that are covered. AmEx also covers the bags of your:

Spouse or domestic partner.

Dependent children under 23.

Certain disabled dependents.

If you need any more incentive to pack light: AmEx protects up to $1,250 in loss, damage or theft for carry-on bags and $500 max for checked bags. Note that this limit is applied per person — and not per bag. So, you won't get a higher amount of coverage if you spread your personal items across several bags. Terms apply.

AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" — such as jewelry, cameras, sports equipment, computers or other precious metals. Terms apply.

» Learn more: Rental car insurance explained

Another useful American Express® Gold Card travel insurance protection covers cardmembers when they rent a car. To activate this coverage, just pay for the entire rental with your American Express® Gold Card and decline the rental company's collision damage waiver product. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. Terms apply.

However, you'll need to be wary of several key restrictions:

Coverage is secondary. That means you'll need to file with your personal auto insurance company first.

AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand.

Certain vehicle types are excluded — such as cargo vans, motorcycles, mopeds and campers.

This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. You're still responsible for damage and injury done to others. So make sure your personal auto insurance covers your liability when renting cars.

» Learn more: The cheapest car rental companies, according to data

One of the newest travel insurance perks of the American Express® Gold Card (added as of Jan. 1, 2020) is trip delay insurance protections. This trip delay insurance kicks in when you pay for a trip with your American Express® Gold Card or AmEx points. Terms apply.

Then, if your flight is delayed for more than 12 hours for a covered reason, American Express will reimburse you up to $300 for reasonable expenses such as meals, lodging, toiletries, medication and other personal use items. Terms apply.

Unfortunately, not every flight delay will be covered. This American Express® Gold Card travel insurance takes effect only when your trip is delayed more than 12 hours due to:

Inclement weather.

An equipment failure of the airline or common carrier.

Lost or stolen passports or travel documents.

Terrorist action or hijacking.

Note that you must be on a trip starting from your city of residence to be covered. But, don't worry if you booked a complicated itinerary. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express® Gold Card — including all round-trip and one-way travel along the way. Terms apply.

» Learn more: How to book better and avoid flight delays

Think of AmEx Global Assist as your travel assistant. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip.

AmEx provides many travel advice and assistance services free of charge. However, if you need outside help — such as emergency translation or legal assistance — you'll be on the hook for payments to third-party service providers.

The AmEx Global Assist Hotline services available to American Express® Gold Card members aren't as comprehensive as what you'll get on other premium AmEx cards. However, it can still be an excellent resource when you need help before or during your travels. Terms apply.

» Learn more: The best travel credit cards may surprise you

While the American Express® Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Terms apply.

Use your American Express® Gold Card to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. Rent a car with your American Express® Gold Card to get secondary coverage of up to $50,000 for damage or theft. And you can fall back on AmEx Global Assist anytime you run into issues — when planning your trip or if you have an emergency during the trip. Terms apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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A customer executive who works over and beyond

I rang few minutes to the end of their working hours and my call was still answered. I had a customer executive called Vishal who was well and truly incredible. He helped me sort my insurance right and he didn't mind even if it took 50 minutes after his working hours. He didn't rush, he didn't disengage at point of the call and he was kind, listening, patient and highly professional from the beginning to the end of the call. Amazing guy. Thank you so much.

Date of experience : 29 April 2024

Reply from Admiral Insurance

Hello Minu Thank you for insuring with Admiral🎉 We are so happy to read about the fantastic service you received from our new business team. We take on board all our feedback, so will be sure to pass on your review. Thanks, Stacey.

I rang to get my car insurance changed…

I rang to get my car insurance changed over to a different vehicle. The lady I spoke to was very pleasant and was quick to make the change. She explained the new monthly payments and confirmed the date they would be collected. Everything was easy from the start to the finish, a good experience all round. Pity the insurance wasn't cheaper though 😕

Date of experience : 24 December 2023

Admiral insurance was £200.00 cheaper…

Admiral insurance was £200.00 cheaper than my previous insurance company company who I had been with for more 15 years. Also had so much trouble trying to contact them that I decided to not renew with the. Admiral insurance was so much easier to deal with . When I phoned them they had pretty much answered my call straight away and were a pleasure to deal with. I would hesitate to recommend them to anyone

Date of experience : 28 April 2024

It was easy to buy policy and request…

It was easy to buy policy and request policy document by post. Also able to opt out of automatic renewal.p Policy document received shortly after purchasing. Hoping I don’t need to claim on it but it is a trusted company so should be ok.

Date of experience : 30 April 2024

I initially checked online via GoCompare for a price, then rang to talk this through. No price difference to the online offer along with a really helpful advisor. Would strongly recommend all aspects of the service! 😁

Great insurance made simple..

Already have Multi-Cover with Admiral, so it was a no-brainer to go through them for our Travel Insurance. The process was very easy to arrange and simple and clear to understand. Great cover.. Just a shame they don't do Life Insurance!

Date of experience : 20 June 2023

Professional and polite person delt…

Professional and polite person delt with all my questions in a timely manner and worked with me to obtain the insurance policy that was right for my circumstances. The quotation I received was extremely competitive compared to the company I had used for over 20 years. 10/10 for the service I received. Thank you.

Easy to navigate website

Easy to navigate website, full explanation of the policy you are buying, options to add extras like breakdown cover etc.The only slight issue I had was entering my licence details, took 3 tries before it was accepted. Plus the cost of the insurance was very competitive

Near perfect service

Near perfect service, just seems a shame we have to pay to change a registration number, a minor change completed online…. seemingly not taking anyones time??

I changed to Admiral for car insurance…

I changed to Admiral for car insurance due the previous insurer being too expensive. The procedure on line was easy and quick. The documents were ready as soon as the premium was paid.

I was battling with some of the online…

I was battling with some of the online questions and called your customer service number. One of your employees Craig Lawson very patiently helped me with the process. Thank you Craig!

Hello Denise Thank you for insuring with Admiral🎉 We are so happy to read about the fantastic service you received from our new business team. We take on board all our feedback, so will be sure to pass on your review. Thanks, Stacey.

Really easy to do business with

Really easy to do business with. Found Admiral via a search on MoneySupermarket.com and then proceeded with the quote / order. All the info originally entered was transferred accurately to Admiral, so firming the order was easy.

Competitive rates but be prepared to wait a long time for someone to pick up the phone.

They offered a very competitive quote and the sales clerk covered and answered the point well. The only downside to this organisation in the excessive waiting time to speak to a clerk on the phone, who turned out to be located in Canada. Please could we have a UK call centre and cut down the waiting time to get through.

The guy I spoke to when taking out the…

The guy I spoke to when taking out the new policy was very helpful and nice to speak to, the only one thing I was a little disappointed by is the multi car option didn’t tempt me to go ahead as the price was far greater than what I’m currently paying, I have 4 cars that would have been nice to have under one multi policy, but nevermind maybe next time it will be better!!. Regards.

It was a straight forward process to get all the features we wanted at a competitive price. The documentation came via post in good time and we are feeling comfortable at the start of our "new life with Admiral".

The agent who spoke to me on the phone…

The agent who spoke to me on the phone was at pains to ensure I understood the options open to me. Very polite and helpful as well as patient. Absolutely no pressure felt during my dealings with the agent. Many thanks.

Date of experience : 26 November 2023

The website was clear and easy to use. Great cover. Value for money.

The website was clear and easy to use. Options available for choice were concise and clear. The experience was quick and painless and chosen cover was good value for money.

Date of experience : 27 April 2024

Been 7 years with this company never had any claims, road offences etc 9ncb total all same circumstances. Renewal price doubled (2500 per year!) for absolutely no reason. I received quotes £ 1100 from gocompare then i phoned admiral to get price match. My call was answered by indian woman i could barely understand what she was saying. She offered me 170 pounds discount off my 2500 premium. I cancelled my policy with those cowboys and happily accepted 1100 quote from another insurance provider. Thats how admiral treating loyal trouble free customers. Greedy chancers avoid !

Date of experience : 01 April 2024

Hi Maksim I am sorry to hear that the renewal price has increased this year and for any inconvenience caused, we are grateful for the time you have spent with us. Thank you for taking your time to leave us a review and share your experience with us. Thanks Jo

Spent time to go through my…

Spent time to go through my requirements. Polite, thorough service. Spent too much time trying to sell other insurance products.

Date of experience : 28 January 2024

having a great UK call handler…

having a great UK call handler who took probably an hour to put together the insurance package I now have for the house and multiple cars.

Date of experience : 28 March 2024

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Admiral car insurance review

In this article

What does Admiral offer?

Does admiral offer the best car insurance, how good are admiral's policies, admiral: key cover areas rated.

• How did customers rate Admiral's car insurance?

How can you save money on Admiral car insurance?

• Admiral: how can you claim?

Admiral FAQs

Admiral is part of the Admiral Group - currently the UK's largest car insurer. Bell, Diamond, Elephant and Gladiator are also Admiral brands.

We've reviewed four of Admiral's policies - Essential, Gold, Platinum and Littlebox.

Admiral policies are underwritten by Admiral Insurance (Gibraltar) Limited.

•  Find out more: how to find cheap car insurance  

Compare car insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Here's how Admiral scored in our latest survey:

• 60%  customer score , joint 22nd out of 27 insurers
• 59% policy score  on its standard policy - placing it 21st out of 27 providers
• 56% claims score  means it's 25th out of 25 insurers rated.

See how this compares with the best car insurance . 

Which? Recommended Providers of car insurance

To be a Which? Recommended Provider, an insurer must:

• Be regulated by the Financial Conduct Authority (FCA)
• Be available to the general public
• Have received responses from 30 or more customers in our survey
• Achieve high scores in our customer satisfaction survey
• Achieve an average or higher policy score
• Achieve an average or higher claims satisfaction score

Car insurance Best Buys

We review a lot of policies - and our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy badge where there's evidence - either from our surveys or from Financial Conduct Authority data - of poor service or a poorer-than-average record of paying claims.

• Policies named as Best Buys must have a minimum policy score of 65%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated. 

• Find out more: how we rate policies.

Lastly, all Best Buy policies must provide - either as standard or as an option - the following levels of cover as a minimum:

'Comprehensive' cover (meaning it covers third party claims, fire, theft and accidental damage to your car), a temporary courtesy car if yours is under repair or if it has been stolen or written off, a repairs guarantee period of at least 3 years, cover for damage to your windows or windscreen, legal expenses cover, liability cover of £20m or more and personal accident cover.

How we analyse car insurance

We analyse and rate 78 key elements of car insurance policies to come up with the overall 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. We assess how important different policy elements are to drivers when choosing and using a car insurance, and weight different areas of cover accordingly to enhance/reduce their impact in the overall product score.

Why you can trust our reviews

We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.

Admiral's standard Gold policy scored 59% - below the average of 64% in our analysis so it's in the bottom half of our table.

It includes an 'uninsured driver promise', which means you can claim without worrying about your no-claims discount if you're involved in an accident caused by an uninsured driver. It also guarantees repairs that it organises, for the lifetime of the vehicle - which only a minority of insurers do.

Areas in which it fell down included low levels of cover for windscreen and windows damage, and a high cancellation fee of £60.

Personal belongings

Gold's personal belongings cover provides up to £300 per claim (an average amount). However, it's one of a minority of policies that cover mobile phones, laptops and tablets. Most exclude some or all of these items.  

Essential, Platinum and Littlebox

Admiral's Essential policy offers a lower level of cover and earned 58% in our analysis - in the bottom 40% of policies rated. Littlebox - Admiral's telematics (or 'black box') offering - received the same score.

Its pricier Platinum policy received 59% in our analysis, the same as Gold. This policy comes with breakdown cover , which isn't reflected in our scoring.   

Tables last updated February 2024. Next update January 2025. We recommend checking policies before buying.

How did customers rate Admiral's car insurance? 

We asked Admiral customers who have recently made a claim how they felt about their car insurance.

Admiral earned a customer score of 60% - which is poor and places it in the bottom half of our table. It was the same with its claims-specific rating. Admiral's 56% places it last out of 25 insurers. 

Here's how customers rated Admiral in various areas of service:

Customer satisfaction

Table last updated in February 2024. Next update in January 2025. A dash '-' indicates insufficient sample size (less than 30) to generate a star rating.

Admiral's policies are generally cheapest to buy on comparison websites. Its policies can be bought on the following ones:

• Compare the market
• Confused.com
• MoneySuperMarket
• Parkers/Mustard

Discounts are available for covering multiple vehicles   and for taking out both car and home insurance with Admiral. It also provides a discount to drivers with dash cams . 

Above information correct as of December 2023.

Check you're getting a great deal and search for a new car insurance policy using the service provided by Confused.com. Get a quote now

Admiral: how can you claim? 

If you need to make a claim with Admiral car insurance call 0333 220 2033  or you can start a claim online.

• Find out more:  is it worth claiming on your car insurance?

How can I cancel Admiral car insurance?  

To cancel your car insurance with Admiral, you can choose from these options:

Phone: call them at 0333 220 2000 during weekdays between 9am and 6pm, and on weekends between 10am and 4pm.

Email: send an email to cancel your policy. You can expect a reply within around 24 hours.

Live chat: use the live chat feature on Admiral's website - available Monday to Friday from 9am-6pm, and on weekends from 10am-4pm.

Can I drive any car with Admiral comprehensive insurance?

Like most comprehensive policies, Admiral's policies include Driving Other Cars (DOC) cover. As the name suggests, this covers you for driving vehicles other than the one named on your Admiral policy.

However, the cover is for emergency situations - not sustained or everyday use. And not all policyholders are covered - just those aged 25 and over with a full manual licence.

Also, you won't get full comprehensive cover when driving another car, but third party cover only.

Find out how Admiral rates for other products

• Admiral home insurance review
• Admiral travel insurance review
• Admiral dog insurance review
• Admiral cat insurance review

Compare car insurance

Find the right policy for your vehicle using the service provided by Confused.com

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Admiral car insurance review

Although not as old as some other insurers – it was founded in 1993 – Admiral is now one of the biggest car insurance providers in the UK.

In fact, Admiral Group as a whole, which also includes brands like Veygo and Elephant Auto, is the UK’s biggest car insurance company full stop. It has also been voted the Best Motor Insurance at The Personal Finance Awards for every year since 2015.

Read on below for our Admiral car insurance review, including which policies it offers, how people feel about its customer service, and how it compares to its competitors.

What car insurance cover is offered by Admiral?

While Admiral has a wide range of car insurance policies, it has six main products, including Third party, Third party, fire and theft, and four levels of comprehensive cover, Admiral Essential, Admiral, Admiral Gold, and Admiral Platinum.

None of these policies include no claims bonus protection or hire car cover as standard, but they can be included as optional extras for an additional cost.

Third party

Third party car insurance is not only the most basic policy Admiral provides, it’s also the legal minimum cover you need to have to drive on UK roads. It includes:

• Third party cover : this means if you get in an accident, Admiral will pay out for the other driver, but not any damage to your own car
• 24 hour emergency helpline: regardless of when you have an accident, you can ring Admiral’s helpline
• Drive other cars: if eligible (you must be at least 25 years old), you can drive other cars on your insurance, but with third party cover only

For an extra cost, you can also include optional motor legal protection , roadside breakdown cover, and repair and replace windscreen cover.

Third party, fire and theft

Admiral’s third party, fire and theft insurance includes everything covered by third party only insurance, as well as:

• Fire damage: if your car is damaged by a fire, you can make a claim for the costs
• Theft: if your car is stolen, or damaged by an attempted theft, Admiral will cover the costs
• Courtesy car cover : you will get a temporary replacement vehicle if you take your car to an Admiral-approved garage after an accident
• European car cover: you can drive your car in Europe for up to 90 days, and have your own car costs covered if you’re in an accident
• Aftermarket stereo cover: any stereo devices fitted by third-party sellers are covered (as well as manufacturer fitted parts as standard)
• Replacement lock cover: you can get your keys or locks replaced, up to a maximum of £500, if your keys are stolen from somewhere that isn’t your car

As with third party cover, you can also add-on motor legal protection, roadside breakdown cover and windscreen cover.

Admiral Essential

Admiral Essential is the most basic level of the insurer’s comprehensive cover policies. This means it covers:

• Damage to your own vehicle: if your car is damaged in an accident, or through an act of vandalism, you can claim for the costs
• Third party damages: Admiral will cover the costs of the other driver’s damages if you get in an accident
• Fire damage: if you car is damaged in a fire, you can make a claim
• Theft: if your car is stolen, or damaged during an attempted theft, you can make a claim
• 24 hour emergency helpline: call Admiral anytime following an accident
• Courtesy car cover: if your car needs to be repaired following an accident, you can receive a courtesy car to drive while you wait for it to be fixed
• Replacement lock cover: if your keys are stolen from anywhere that isn’t your car, you can claim up to £500 to change the locks or replace your keys
• £5,000 personal injury cover: you can claim up to £5,000 for death, blindness, or loss of limbs resulting from an accident for you and your partner
• Child car seat cover: you can get a replacement car seat if yours is stolen or damaged

You can also choose to add-on motor legal protection and roadside breakdown cover.

The insurer’s Admiral policy includes everything found in the Admiral Essentials policy, as well as:

• Windscreen cover: you can get your windscreens replaced or repaired if they are damaged, although your excess will apply
• European cover: you can drive for 90 days in Europe, without taking out a new policy, and be able to make a claim for any damages to your car
• Drive other cars: you may be able to drive other cars on your Admiral third party policy, subject to eligibility (minimum age 25 years old)
• Aftermarket stereo cover: you can replace a stolen or damaged aftermarket stereo (manufactured parts are covered as standard)
• £200 personal belongings cover: you can claim up to £200 to help replace any personal belongings that are stolen or damaged while in your car
• New car replacement: if your car is up to 12 months old, and you are the first registered owner, you can get a like-for-like replacement if it is stolen or written-off

Admiral Gold

Admiral Gold includes everything found in the Admiral plan, as well as:

• Motor legal protection: if you have an accident, and it isn’t your fault, you can claim up to £100,000 in legal costs
• Onward travel: if your car breaks down, you can claim for alternative travel, and overnight accommodation if needed
• £300 personal belongings cover: you can claim up to £300 for any personal belongings stolen or damaged while stored in your car

You can also add roadside breakdown cover as an optional extra.

Admiral Platinum

With Admiral Platinum, you get everything offered by Admiral Gold, as well as the inclusion of roadside breakdown cover as standard.

Other Admiral car insurance products

Admiral also offers the following products:

• Multi-car insurance
• Black box insurance
• Business vehicle and van insurance
• Temporary car insurance
• Learner driver insurance 
• New driver car insurance
• Young driver car insurance

Admiral car insurance policies at a glance

Admiral car insurance optional extras.

With your Admiral car insurance policy, you should normally be able to choose some optional extras for an additional cost. These can include:

• Motor legal protection (included with Admiral Gold and Admiral Platinum as standard)
• Roadside breakdown cover (included with Admiral Platinum as standard)
• Windscreen cover (included with Admiral, Admiral Gold and Admiral Platinum as standard)
• Personal injury cover (included with Admiral Essentials, Admiral, Admiral Gold and Admiral Platinum)
• Protected no claims bonus
• Hire vehicle cover

How to claim with Admiral car insurance

If you want to make a car insurance claim with Admiral, you should follow these steps:

• Make sure you and any other parties involved are safe following the incident.
• Contact Admiral as soon as you can after the incident. You have a maximum of 48 hours to do so, regardless of whether or not you want to make a claim. This might be online, or over the phone (0333 220 2033).
• Confirm whether or not you are making a claim, and what kind of claim you want to make. For example, whether you’ve been in an accident, or that your car has been stolen.
• Admiral will arrange the relevant course of action for your claim. This may involve contacting the other driver if you have been in an accident.

How to cancel Admiral car insurance

If you want to cancel your Admiral car insurance, you will need to get in contact over the phone, via email, or using its live chat service.

When cancelling your Admiral car cover, you will need to pay a fee. Admiral’s cancellation fees are as follows:

How to make changes to Admiral car insurance

If you want to make changes to your Admiral car insurance policy, such as altering your name or address, it will cost you £13 if you do it online and £26 if you do it over the phone.

How to contact Admiral car insurance

You can manage your Admiral car insurance policy by logging into MyAccount.

If you need a bit more help, and want to contact Admiral, you can use the following options:

• Phone: 0333 220 2000 (8am to 7pm Monday to Friday, 9am to 3pm Saturdays, 9.30am to 4pm Sundays)
• Live chat (8am to 6pm Monday to Friday, 9am to 3pm Saturdays, 9.30am to 4pm Sundays)
• Admiral Virtual Assistant (AVA)

Admiral car insurance customer reviews

Admiral has an ‘Excellent’ Trustpilot rating of 4.4 out of five stars , based on over 42,900 reviews (as of 14 November 2023).

It is important to note, however, that these reviews are for the Admiral brand as a whole, and not just its car insurance products.

Of those related to car insurance, many of the brand’s five star reviews mention the quality of the company’s customer service, and the value for money of new quotes. These five star reviews make-up 67 per cent of Admiral’s rating.

However, of the 19 per cent of reviews that are rated one or two stars, a repeated complaint is the jump in renewal premiums.

“Very helpful and thorough agent helped me set up my daughter’s car insurance, checking throughout the process as what she did need and seeing if any savings could be included. Competitively priced and we are able to manage most things now online via the portal. Very good customer service, which we have found sadly isn’t always the case. We would definitely recommend Admiral.”

• Mr Marchant, via Trustpilot

“Helpful and friendly customer service. Recently, I didn’t have to wait too long on the phone in the queue either. They offer comprehensive insurance on the best prices. I would definitely recommend them.”

• Timea Gintner, via Trustpilot

“Renewal for car insurance due next month after one year with no claim. 60 per cent increase. Called and was offered a 5 per cent discount off the new rate. Very disappointed. Lost a customer that would have stayed indefinitely if there was a reasonable uplift but 60 per cent is an insult.”

• NB, via Trustpilot

How does Admiral compare to its competitors?

All scores are correct as of 14 November 2023.

Thanks to the range of its policies, Admiral allows you to pick the right level of cover for your needs.

Admiral Essentials might be of interest if you are looking for a basic level of fully comprehensive cover (although it only has three stars on Defaqto). At the other end of the spectrum, the Platinum level is an option if you want a feature-rich policy.

Its ‘Excellent’ Trustpilot score, and the repeated positive mentions of its customer service, suggests Admiral will be able to help you if you have any problems. Yet it might not be the best provider when it comes to renewals, based on the mentions of high premiums for existing customers.

Admiral car insurance FAQs

Is admiral good for car insurance.

With an ‘Excellent’ rating on Trustpilot, multiple five star rated policies on Defaqto, and the largest market share of any provider, there is plenty of evidence that Admiral is good for car insurance.

However, given that so much of your car insurance premium is based on you and your driving history, you should always compare car insurance providers before deciding on a policy.

Who owns Admiral insurance?

Admiral insurance is part of Admiral Group PLC. Other brands under the Admiral Group banner include Admiral Money, Apparent Insurance, Balumba, Bell and Veygo.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

Amy is a seasoned writer and editor with a special interest in home design, sustainable technology and green building methods.

She has interviewed hundreds of self-builders, extenders and renovators about their journeys towards individual, well-considered homes, as well as architects and industry experts during her five years working as Assistant Editor at Homebuilding & Renovating, part of Future plc.

Amy’s work covers topics ranging from home, interior and garden design to DIY step-by-steps, planning permission and build costs, and has been published in Period Living, Real Homes, and 25 Beautiful Homes, Homes and Gardens.

Now an Editor at the Independent Advisor, Amy manages homes-related content for the site, including solar panels, combi boilers, and windows.

Her passion for saving tired and inefficient homes also extends to her own life; Amy completed a renovation of a mid-century house in 2022 and is about to embark on an energy-efficient overhaul of a 1800s cottage in Somerset.

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• Best for exotic trips
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How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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