5 Star Travel Insurance from Admiral
5 Star rated Platinum level Travel Insurance
Our Platinum level cover has Defaqto's highest 5 Star rating.
Whether you’re flying solo or holidaying with friends and family, Admiral covers the UK, Europe and worldwide. And if you’re skiing, golfing or cruising, we can cover that too!
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.
Choose from three tiers: Admiral, Admiral Gold or Admiral Platinum cover.
Emergency medical treatment & repatriation (Limits up to)
Cancellation or cutting short your trip (Limits up to)
Personal belongings (Limits up to)
Money & documents (Limits up to)
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.
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.
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
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
If you’re injured or fall ill while on holiday, you can call our 24-hour Emergency Assistance Helpline.
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:
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.
You can be insured almost anywhere worldwide and for a range of fun activities such as skiing, scuba diving, windsurfing, canoeing and more.
There's always a lot to worry about before heading off abroad, but if you buy Admiral Travel Insurance, you'll have one less thing on your mind.
You can then jet off safe in the knowledge that:
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.
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.
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.
If you’re due to travel to China, please check the current Foreign and Commonwealth Office (FCO) advice. If you travel to China against FCO advice – in other words, if you travel when the country’s status is ‘advise against all travel’ or ‘advise against all but essential travel’ – we won’t be able to pay out any claim you need to make.
If you were to contract coronavirus and hadn’t travelled against FCO advice, you’d be able to claim under the emergency medical section of your travel insurance for treatment. And if the worst were to happen, repatriation and funeral expenses would also be covered.
If you need to cancel a trip you’d booked before the FCO changed its travel advice, check if your airline, tour operator or accommodation provider can give you a refund.
Please contact us if you’re unsure if your trip will be covered.
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.
No, you would need to buy individual policies. Our definitions are:
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.
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.
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.
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).
No, sorry. Currently, this isn’t possible.
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:
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).
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.
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.
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.
Each insured child is only covered if they are travelling with a responsible adult.
Yes, we extend your policy and continue to provide cover in those circumstances where the delay is completely outside of your control.
Unfortunately not. It's only available to permanent residents of the UK (England, Northern Ireland, Scotland, Wales and the Isle of Man).
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.
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).
No, we don’t charge any admin fees.
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.
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.
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.
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.
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.
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.
No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.
Yes, the age limit varies between 70 years and 75 years.
Yes, the age limit varies between 75 years and 79 years.
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.
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.
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.
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.
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.