Travel Insurance
Medical expenses cover
Up to £20m cover for emergency illness or injury
Personal belongings cover
Up to £2.5K cover for loss, theft or damage of your belongings
Five star rated cover
Our Platinum cover has Defaqto's highest rating
What's travel insurance?
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.
What's covered
Here are some key features of our travel insurance. As with any insurance, policy limits and exclusions apply, so always read your policy book.
Emergency medical expenses
We cover reasonable and necessary emergency medical treatment costs if you get ill or injured in an accident abroad.
Cancelling or cutting your trip short
We'll cover costs up to your policy limit for things like deposits or parking fees if you have to unexpectedly cancel or cut short your trip.
Lost or stolen personal belongings
You can claim up to your policy limits if your personal belongings or luggage are lost, stolen or accidentally damaged during your trip.
Delayed or missed departure
If your trip is delayed or you miss your transport due to certain unforeseen circumstances, we’ll cover reasonable expenses for accommodation and travel.
Personal liability and legal assistance
We’ll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
Choose from three levels of cover
We have three cover levels for you to choose from, depending on the level of protection you want for your next trip.
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Emergency medical treatment and repatriation | £10M | £15M | £20M |
| Cancellation or cutting your trip short | £1.5K | £3K | £5K |
| Personal belongings | £1K | £2K | £2.5K |
| Money and documents | £300 | £400 | £500 |
| Personal accident | £10K | £15K | £25K |
| Personal liability | £3M | £3M | £3M |
| Legal assistance | £20K | £20K | £30K |
| Catastrophe cover | £1K | £1.5K | |
| Excess | £100 | £75 | £50 |
Read the full details in the policy booklet.
Craving the adrenaline rush of hitting the slopes? Make sure you add on our Winter Sports Upgrade.
Taking to the seas on a cruise liner? Include the Cruise Upgrade.
Without these upgrades, your trip won't be covered at all.
Also consider the length of cover you need. Single Trip policies cover one trip up to 365 days while our Annual Travel policies cover you for 12 months. You can take an unlimited number of trips lasting up to 31 days on the annual policy.
Three reasons to choose Admiral Travel Insurance
Flexible Choice |
Choose Single trip or Annual Multi Trip cover with varying levels of cover and many sports and leisure activities included as standard. Additional cover available for Winter Sports, Gadget and Cruise holidays. |
|
|---|---|---|
Cover when you need it |
We insure a range of medical conditions and pay up to £20million in emergency medical expenses. |
|
Access to our 24-hour Multilingual Emergency Helpline |
If you’re injured or fall ill while on holiday, you can call our 24-hour Emergency Assistance Helpline. |
What isn’t covered by travel insurance?
This list isn’t exhaustive and doesn’t include exclusions for our specialist travel insurance like adventurous sport and winter sport.
- flights cancelled or delayed for any reason other than severe weather conditions, strike, or mechanical breakdown
- claims related to flights that don't start or end in the UK (connected flights)
- trip cancellation because you’ve changed your mind
- pre-existing conditions you've not declared
- claims related to death or illness of someone not on the policy linked to pre-existing conditions they had at any time before you bought your policy
- lost or stolen items you've left unattended
- claims where you can't give us evidence, for example, a police report or receipts
- being denied entry because you don't have passports or the correct visas
- extreme sports, winter sports or cruise trips unless you've paid for the additional cover
- circumstances that aren’t specified in your policy
However, check your policy book for all exclusions.
Travelling with pre-existing medical conditions
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:
- declared them all on your policy
- had written confirmation that we'll cover your medical condition
- paid any additional premium in full
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).
Your questions answered
What if my medical conditions change after I've bought my policy?
If your policy can continue with the changes updated, you might need to pay an extra premium or we may vary your terms of cover such as applying a medical exclusion where appropriate.
Is there an upper age limit?
The maximum age limit for our policies is up to 90 years old for annual multi-trip policies, and up to 100 years old for single trip policies. The age limit and level of cover we offer depends on your information and details of your holiday.