5 Star Travel Insurance from Admiral
5 Star rated Platinum level Travel Insurance
Our Platinum level cover has Defaqto's 5 Star rating.
Travel insurance, also known as holiday insurance, protects you and your family against unexpected costs while you’re travelling or on holiday.
While it isn't a legal requirement, it covers the cost of things like medical expenses if you get ill or injured abroad, trip cancellation, stolen personal belongings and lost luggage.
Here are some key features of our travel insurance. As with any insurance, policy limits and exclusions apply, so always read your policy book.
We cover reasonable and necessary emergency medical treatment costs if you get ill or injured in an accident abroad.
We'll cover the costs up to your policy limit of things like deposits and car parking fees if you have to cancel or cut short your trip due to unforeseen circumstances. Read more about cancellation cover.
You can claim up to your policy limits if your personal belongings or luggage are lost, stolen or accidentally damaged during your trip.
If your trip is delayed or you miss your transport due to certain unforeseen circumstances, we'll cover reasonable expenses for accommodation and travel.
We'll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
Read about how COVID-19 affects your travel insurance on our dedicated FAQ page.
This list isn’t exhaustive and doesn’t include exclusions for our specialist travel insurance like adventurous sport and winter sport.
However, check your policy book for all exclusions.
Choosing a travel insurance policy that suits your needs offers financial protection against travel-related emergencies. In particular, getting ill abroad can be very expensive as most countries don’t provide free medical care in the same way as in the UK.
For example, in the US, you're charged for an ambulance call out, meaning a trip to the hospital could cost tens of thousands of pounds.
If you’re travelling to an EU country or Switzerland, a GHIC card can reduce the cost of medical expenses or make them free of charge, but it won’t fully cover you for medical treatment or repatriation.
Whether you're flying solo or travelling with your friends and family, we cover the UK, Europe and worldwide.
Cover for one trip lasting up to 365 days for travellers aged 18 up to 85 years, depending on the destination.
Cover for 12 months on an unlimited number of trips lasting up to 31 days each. This is for travellers aged 18 up to 79, depending on region of cover
You can speak to us about covering trips lasting longer than 31 days for an additional premium. These aren’t guaranteed and are subject to approval from our underwriting team.
If you have a pre-existing medical condition, you must tell us about it when getting a quote to see if we can offer cover and to avoid invalidating your policy. We can't cover your pre-existing medical conditions unless you've:
If you're unsure what to declare or unable to find your condition on the medical conditions list, please call 0333 234 9913.
Please note, if you've tested positive for COVID-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this must be declared on your policy.
Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).
There are a few things you can do to lower your travel insurance costs:
Choose the right policy type |
If you’re planning multiple trips in the next year, an annual travel insurance policy is usually cheaper than buying a single trip policy for each trip. |
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Avoid doubling up on cover |
Many UK bank accounts offer travel insurance as a premium benefit, so make sure that you’re not paying twice for the same insurance. |
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Check your home insurance |
Protecting your personal belongings abroad is important, but many home or contents policies cover your things away from home. |
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Combine your policy |
It might be cheaper to buy group travel insurance if you’re travelling with your family or your partner. Adults must live at the same address to be on the policy together. |
We need to know a few things to get your quote
Do you have one trip planned or multiple trips for the year?
Let us know if you have any medical conditions we need to know about.
We may ask for original receipts, invoices or medical records to support your claim.
Check that we cover the event you want to claim for
You'll need documents to support your claim
Visit our make a claim page for our contact details or log into MyAccount
To find out how Covid-19 affects your travel insurance, take a look at our dedicated FAQ page.
No, it's not a legal requirement but it gives you cover against things like cancelled holidays, missed transports, missing luggage and injury while abroad.
Cover for catastrophes including fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity including ash cloud, flood, tidal wave, tsunami, medical epidemic or pandemic are all included as standard on our Gold and Platinum policies. This cover is not included in our Admiral level policy.
We use multiple factors to calculate travel insurance prices. We constantly check the prices we charge to offer you the best travel insurance premium, but prices also fluctuate depending on the market. Here are a few factors:
We need to know a few things to get your quote
Do you have one trip planned or multiple trips for the year?
Let us know if you have any medical conditions we need to know about.
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.
Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.