Travel Insurance


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5 Star Travel Insurance from Admiral

5 Star expert rated Platinum Travel Insurance from Admiral

Our Platinum level cover has Defaqto's highest 5 Star rating.

Single trip or Annual, Golf, Winter Sports or Cruise; we’ve got travel insurance to suit you.

Admiral has three levels of cover, spanning the UK, Europe and Worldwide.

Single trip travel insurance

Single Trip Insurance

Cover for a single trip up to 365 days - perfect if you’re not a frequent traveller.

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Annual travel insurance

Annual Cover

Cover for every holiday you take in a year, almost anywhere in the world (up to 31 days at a time).

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Winter sports cover

Winter Sports Cover

If you fancy the adrenaline rush of a skiing holiday you'll need to add on our Winter Sports Cover.

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Golf Insurance

If you are going on a golf holiday why not check out the benefits of our Golf Insurance Cover.

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Cruise Insurance

If you're taking to the seas on a cruise, you'll need to add on our Cruise Cover.

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Gadget Travel Insurance

Gadget Travel Insurance extends the standard cover for your gadgets.

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What level of cover do I need?

Choose from three tiers: Admiral, Admiral Gold or Admiral Platinum cover.

Admiral

Admiral
Gold

Admiral
Platinum

Excess

£100

£75

£50

Emergency medical treatment & repatriation
(Limits up to)

£10M

£15M

£20M

Cancellation or cutting short your trip
(Limits up to)

£1K

£2.5K

£5K

Personal belongings
(Limits up to)

£1K

£1.5K

£2.5K

Money & documents
(Limits up to)

£300

£400

£500

Read the full list of benefits in the policy summary 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.

These activities aren't covered otherwise, although cruise cover comes as standard with Admiral Platinum cover.

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.

Four reasons to choose Admiral Travel Insurance

Flexible Choice

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, Golf, Gadget and Cruise holidays.

Great cover when you need it

Great cover when you need it

We insure a wide range of medical conditions and pay up to £20million in emergency medical expenses.

Cover for young and old

Cover for young and old

We don't think age should hinder adventure which is why we offer travel insurance to holidaymakers aged 18 to over 65. Children can be added to an adult's policy.

Access to our 24-hour Multilingual  Emergency Helpline

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.

Having trouble deciding?

Answer a couple of questions to help us point you in the right direction.

How many times are you going away in the next 12 months?

Keep Admiral Travel Insurance in mind when you start planning your next trip.

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Are you going skiing or snowboarding?

Yes No

If you take to the skies regularly, an Annual Travel Insurance policy could be just what you're looking for.

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When you're out on the slopes, the last thing you need to worry about is a fall or damage to your expensive equipment; this is where Admiral Winter Sports Travel Insurance comes into play.

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Are you going to be taking golf clubs on holiday?

Yes No

Whether you have 18 holes pencilled in everyday or just a couple of rounds with your partner, Admiral Golf Travel Insurance offers the cover you need before setting foot on the fairways.

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Are you going on a cruise?

Yes No

With Admiral Cruise Insurance you're covered for everything from missed departures to cruise itinerary changes whether you're seeing the Med or enjoying a round-the-world cruise.

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Whether you're sightseeing in the UK, city-hopping around Europe or sunning yourself on a beach across the pond, Admiral covers the UK, Europe and Worldwide.

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Start

What does travel insurance cover?

After forking out for the holiday you might be asking yourself 'what is travel insurance and do I really need it?'.

Basically, it's there to protect you if the worst were to happen while you're overseas. This includes:

  • Having to cancel your trip or cut it short
  • Having personal belongings stolen
  • The airline losing your luggage

You can choose a Single Trip policy or annual cover, then choose from our range of add-ons for Winter Sports, Golf and Cruise travel if you’re going on a more specialist holiday.

Why do you need travel insurance?

Many people think it's just there to help if their flights are delayed or their baggage goes missing but it could be the difference between an accident abroad costing you an insurance excess, or paying thousands of pounds out of your own pocket.

The average cost of a medical claim on a travel policy in 2016, according to the ABI, was £1,300.

Mark Shepherd, Assistant Director, Head of Property, Commercial and Specialist Lines at the Association of British Insurers, said: “While most travellers enjoy their breaks, falling seriously ill overseas is stressful enough, without the added worry of how to pay for potentially very expensive medical bills."

Admiral provides you with 24-hour emergency support so you'll be able to reach someone at any time if the worst were to happen.

Why choose Admiral?

You can be insured almost anywhere worldwide and not only that, but also for a range of activities, including skiing, scuba diving, windsurfing, canoeing and more.

There's always a lot to worry about before heading off abroad, but if you purchase an Admiral Travel Insurance policy, you'll have one less thing on your mind.

You can then jet off safe in the knowledge that:

  • Your cover will be provided instantly
  • You'll have 24-hour emergency support
  • You’ll have up to £20 million of medical expenses cover (with the Platinum tier)

What to do if you lose your passport abroad

You can make a claim for the cost of extra transport, accommodation and administration costs you have to pay to get a replacement passport or emergency travel document. We’ll pay up to £300, £400 or £500 (depending on your tier of cover) towards these costs.

Please keep all receipts and obtain written confirmation from the embassy/consulate showing the date of the incident and cost of the replacement passport.

What if I have a pre-existing medical condition?

Call Medical Screening on 0333 234 9913 to discuss your condition and you may still be able to get travel insurance.

Alternatively, you can declare your conditions during the online quote process to see if cover can be offered.

Your pre-existing medical conditions won't be covered unless you have declared all conditions, received acceptance of this in writing, and paid any additional premium in full.

You'll still be able to get insured, all you'll need to do is check to see whether it's covered under the 'What is not covered' list of your policy wording guide. If the condition isn't on this list, or you have multiple conditions and one is not on this list, then you need to contact Medical Screening to declare all your pre-existing medical conditions.

Which countries am I covered in?

You can get cover for pretty much anywhere you might want to go. But since ‘pretty much anywhere’ isn't everywhere, we've broken it down into three zones:

Bear in mind we can’t provide cover for any trips to countries where the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'.

Check with the Foreign & Commonwealth Office if you're not sure.

How do I get travel insurance?

Get your holiday insurance quotes by calling our friendly team on 0333 234 9913. You can also buy online.

Your questions answered

Is it illegal to travel without holiday insurance?

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.

Can you buy travel insurance at the airport?

You must buy it while in the UK and if you're at the airport, you need to take out Admiral cover before you pass through Customs.

I’ve just found out I’m pregnant and I don’t wish to travel. Am I covered?

No, you'll only be able to claim for cancellation due to pregnancy if your doctor advises against travel due to specific medical complications.

Take a look at our Travel Insurance and Pregnancy page for more information.

Does travel insurance cover natural disasters?

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.

My partner and I live at separate addresses, can we still buy a couple policy?

No, you would need to buy individual policies. Our definitions are:

  • Individual policy – one adult aged 18 or over.
  • Couple policy - two adults aged 18 or over who live at the same address and are in a relationship.
  • Family policy – two adults aged 18 or over who live at the same address plus at least one child (maximum 5).
  • Family one adult policy – one adult plus at least one child (maximum 5).

What is your definition of Europe?

When we refer to Europe, we are referring to the following countries and territories: Albania, Andorra, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland (including Aland), France (including Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Svalbard), Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, The United Kingdom (including Channel Islands and Isle of Man), Vatican City.

Am I covered for private medical treatment?

No, you will need to have any private treatment pre-authorised by the Emergency Assistance Service. If you are travelling in Europe, Australia or New Zealand you can access public health services, free of charge and you won’t be required to pay any excesses on the Medical Expenses section of your policy.

What happens if I'm the victim of a terrorist attack while I'm abroad?

First of all, we hope that this is never the case. But, if you do need emergency assistance, please call +44 (0)29 2010 7777 at any time and we'll do everything we can to help.

Does being pregnant affect my insurance?

No, you don’t need to let us know if you’re travelling while pregnant. Our policies will cover you if any unexpected complications occur because of your pregnancy or childbirth. You aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care.

Are there any destinations I can't travel to under my policy?

Yes, no matter which destination you select when you buy your policy, you aren't covered if you travel somewhere the Foreign and Commonwealth Office (FCO) advises not to go to. For more information see the FCO's foreign travel advice page or call 020 7008 1500.

What cover is there for dental treatment?

Under the emergency (medical) and other expenses section of your policy, you are covered for up to £350 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” (subject to your excess).

Can I upgrade my travel policy after I’ve taken it out?

No, sorry. Currently, this isn’t possible.

Can I take out insurance if I am currently being diagnosed, under referral, awaiting an operation or haven’t been discharged from outpatient care?

Unfortunately Admiral is not able to offer cover in these circumstances, but there are other specialist insurers who may offer cover for travellers in the above circumstances.

Is terrorism covered?

Terrorism is excluded from all sections of the policy except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

  • Violence against a person
  • Damage to property
  • Putting life in danger
  • Creating a health risk to the public
  • Interfering with or seriously disrupting computer systems or transport services including cyber terrorism
  • Biological, chemical or nuclear force or contamination

Can I get cover in the event of scheduled airline failure?

We will not pay any claim due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

Do I need to declare existing medical conditions to get Admiral cover?

Declaring your medical conditions will ensure you are purchasing a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

I have an Annual Multi-Trip policy. What is the longest I can go on holiday for?

You can take as many trips as you wish within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. Cover for extended trips may be available on request, subject to underwriting approval and payment of an additional premium.

Take a look at our Annual Travel Insurance page to learn more.

Will my holiday insurance cover me if the travel agent/tour operator/airline company goes into administration?

No it doesn't cover this. If the company is an ABTA member, you can submit a claim to them for the cost of your holiday.

Can children travel alone?

Each insured child is only covered if they are travelling with a responsible adult.

What happens if I can't return from my trip on my planned date because of illness or injury; am I still covered?

Yes, we extend your policy and continue to provide cover in those circumstances where the delay is completely outside of your control.

I don't live in the UK – can I get travel cover?

Unfortunately not. It's only available to permanent residents of the UK (England, Northern Ireland, Scotland, Wales and the Isle of Man).

What happens if strike/industrial action disrupts my trip?

Provided you weren’t aware of the strike/industrial action at the time you booked your policy, and it wasn’t public knowledge, we’ll pay up to the limits shown in your policy schedule for irrecoverable costs you've paid.

What happens if my baggage is delayed, lost or stolen?

If your baggage is delayed or lost in transit, you should tell the company transporting your baggage within 24 hours of discovery. Ask them to complete a Property Irregularity Report or give you with a baggage loss receipt. If your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover to buy necessary items (up to £50, £100 or £150 depending on your tier of cover).

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and get a written report. You can claim (up to £750, £1,500 or £2,000 depending on your tier) for stolen or lost items. There's a single item limit and total valuables limit (up to £200, £300 or £400 depending on your tier).

Are there any charges to change my policy?

No, we don’t charge any admin fees.

What should I do if I or someone travelling with me becomes ill during my holiday?

If you or someone covered by your policy becomes ill or is injured during your trip and needs emergency medical treatment, please go to a public medical facility and contact our 24 hour emergency assistance line on +44 (0)29 2010 7777 as soon as you can.

Please call this number if you're unsure where to get treatment, you think costs may go over £500, or you think you'll need to cut your trip short.

For minor ailments while abroad, pharmacies and public health facilities are often able to give advice and provide treatment. If costs are more than the policy excess and you want to make a claim, please keep all receipts and call our claims line on 0333 234 9914.

Does my policy allow someone to travel out to be with me if I am ill abroad?

Yes. If you've been given medical advice that someone should stay with you and that requires someone travelling from the UK to be with you, we'll cover the reasonable extra transport and accommodation costs (up to the policy limit) for that person.

How long can I travel for?

The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year. If you choose an Annual Multi-Trip policy you can take as many trips as you wish within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. Cover for extended trips may be available on request, subject to underwriting approval and payment of an additional premium.

How to extend travel insurance due to illness or injury

if you have to extend your trip for medical reasons our policies will automatically provide cover until you return home.

If you have a single trip policy and need to change your travel dates, you must contact us before you go on your trip.

If you have annual multi-trip cover, the maximum length per trip on the policy is 31 days.

If your annual policy is due to end while you're on holiday and your policy is not set up to automatically renew, please contact us before you travel so we can arrange for your policy to continue while you're away.

What should I do if my travel is disrupted by severe weather?

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250) from starting your journey due to severe weather.

If your transport is delayed for more than 24 hours or cancelled and cannot be rearranged for over 24 hours, cover is provided (for costs up to £1,000 on Admiral, £2,500 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover* - If you decide to continue with your trip after being delayed for more than 24 hours or because your transport was cancelled and no alternative could be found within 24 hours of your original departure time, we’ll reimburse you (up to £500, £750 or £1,000 depending on your tier of cover) for additional transport and accommodation costs that matches the standard of what you’d originally booked.

We won't make any payments if they aren’t additional to costs you were already expecting to pay - for example if you get a refund and the cost of alternative transport or accommodation is less than the refund. Check your policy book for full details.

Do you cover my car if it breaks down when I'm driving in Europe?

No, your holiday insurance doesn't cover car breakdown. However, if you have Admiral Car Insurance, you can extend this to provide European Breakdown Cover. This covers you and your car in case it breaks down while abroad in Europe.

What does excess mean in travel insurance?

The policy excess is the amount you must pay towards any claim. The excess applies to each insured person and each event that leads to a claim.

Do you cover one way trips?

No, Admiral is not able to offer policies for one-way trips. In order to be eligible for our policies, you will need to be travelling from and returning to the UK.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Yes, the age limit varies between 70 years and 75 years.

Do you cover travellers over the age of 70 for Single Trip policies?

Yes, the age limit varies between 75 years and 79 years.

What happens if I need replacement prescription medication when I'm abroad?

Please make sure you take enough medication to last your entire trip and include extra to allow for travel delays that may occur.

If you run out of prescription medication because you were unable to return home as planned because of illness or injury, we will pay for the cost of additional medication (a policy excess may apply).

If your medication is lost or stolen, we'll refund you the cost of replacing it (a policy excess may apply).

Why do I have to provide my medical details to get a quotation?

Declaring your medical details will ensure you are buying a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

Am I covered if my flights are disrupted because of Brexit?

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

I don’t want to travel because of Brexit – can I cancel my trip?

If you decide you don’t want to travel because of Brexit and end up cancelling your trip, you won’t be able to claim. Not wanting to travel isn’t a valid cancellation reason for claiming.

Will I need a visa to travel to the EU after Brexit?

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS). 

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

How long will I need on my passport after Brexit?

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool.

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

Can I still use my EHIC card after Brexit?

If there’s a no-deal Brexit, your EHIC card may no longer be valid. The travel cover you receive won’t change, but the countries where you pay your policy excess when you claim will.

Without the EHIC, there’s no reciprocal health agreement in place between the UK and EU countries, so you’ll need to pay your policy excess when making a medical claim.

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777.

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