Key policy features
- Admiral Travel Insurance has three levels of cover
- All of its policies cover medical and repatriation expenses up to £10,000,000
- Customers can choose zero excess and pay an additional premium or receive a 10% discount by paying double the excess
Admiral Insurance is a well-known company with a big marketing spend.
Admiral offers a range of travel insurance products including single, multi trip, winter sports, golf and cruise insurance. It has tailored packages for wedding and business travel.
It covers most countries and a wide range of specialist activities, including skiing, Scuba diving, windsurfing and canoeing.
Admiral is the trading name of EUI Limited, which was established in 1993 to offer car insurance. It now includes car, pet, life and household policies in its range.
The travel insurance is arranged and administered by Rock Insurance Services and is underwritten by Solid Forsakringar, a Swedish-based insurance company that is regulated by the Swedish FSA.
Find out if Admiral is one of our top 10 travel insurance providers and read more travel insurance reviews here.
Overview of cover
The single trip policy has the option of three levels of cover (Economy, Standard, Premier), however, if your trip is longer than six months, premier cover isn’t available and if you want to go for more than 11 months standard cover isn’t available.
The maximum age for a multi trip policy is 64.
These are the limits of the three cover levels:
Economy – Cancellation and curtailment are covered up to £1,000, personal luggage up to £2,000 and personal money up to £300.
Standard – Cancellation and curtailment are covered up to £2,000, personal luggage up to £2,500 and personal money up to £500.
Premier – Cancellation and curtailment are covered up to £5,000, personal luggage up to £3,000 and personal money up to £500.
All levels cover medical and repatriation expenses up to £10,000,000.
Extra cover options include wedding cover – £10,000 for the wedding outfits for bride and/or groom and £5,000 damage for rings.
Travelers can reduce their Admiral premium by not insuring baggage or cutting cancellation cover. You can select a zero excess by paying an additional premium or you can receive a 10% discount by paying double the excess.
It is vital to notify your insurer about any pre-existing medical conditions because they may well affect your premium, or your ability to travel. Admiral has a reasonable list of accepted pre-existing medical conditions including arthritis, asthma and diabetes, provided customers can meet certain criteria.
Admiral travel insurance includes a cancellation fee so be sure to stop the auto-renewal or you could be locked into a more expensive policy or have to pay to cancel. You can get a quote for travel insurance on the Admiral website.
How much does admiral travel insurance cost?
Single trip insurance can cost as little as £5.10, however, the age of the traveller, the destination of the trip and pre-existing conditions will affect this price.
We obtained the following example quotes:
For a 35-year-old male traveling to Spain for a week: Economy - £10.15, Standard - £11.95, Premier - £14.34
For an annual worldwide policy for a couple in their early 60s: Economy - £75.44, Standard - £88.74, Premier - £106.48
What do Admiral Travel Insurance customer reviews say?
There aren’t any online reviews of Admiral’s travel insurance. But Admiral as a company has an average rating of 4.26 out of 5 from 310 reviews on Reviews.co.uk
Claims and queries are generally seen to be handled efficiently, professionally and courteously. It has won the best car insurance provider award at the Personal Finance Awards two years running.
What do the experts say?
Which? scores Admiral travel insurance 30th out of a total of 37 travel insurance companies. The overall Which? customer score is 54%. However, its annual and single trip policies both score 74% and are rated 23rd and 21st respectively.
Independent financial services review firm Defaqto rates Admiral’s Premier policy 5 out of 5 stars, which means it is “an excellent product with a comprehensive range of features and benefits”.
The Standard policy receives 3 stars and is “a standard product providing an average level of features and benefits”. Admiral’s Economy cover is given 2 stars, which classes it as “a product typically offering a below average range of features and benefits”.
Defaqto also rates Admiral’s products that are bought through comparison sites. Interestingly it gives 3 stars for Premier and 2 for both Economy and Standard, which suggests it may be offering a lower level of cover on comparison sites, like many other insurers do.