Review: Aviva Travel Insurance

Ronny Lavie By Ronny Lavie


Aviva is the largest provider of insurance in the UK and have 34 million customers worldwide. The brand was launched in 2002, but the company has a legacy spanning over 300 years.

You can get a quote at the Aviva website.

Overview of the cover provided by the Aviva travel insurance policy

Unlike most other insurers who offer different tiers of cover (e.g gold, silver and bronze or basic, classic and premium etc.), Aviva only offers one type of cover, with option for Single Trip or Annual Multi-Trip. While this means you can’t choose the level of cover for cancellation and lost baggage, Aviva do provide the option to choose whether you want to include baggage cover at all, as well as other optional extras such as winter sports, travel disruption and extended stay cover.

Click here to get a travel insurance quote from Aviva.

Aviva have quite an extensive list of exclusions, and so it is highly important to review the policy documents carefully and understand exactly what is and isn’t covered under the Aviva travel insurance policy.

Cover for medical conditions with Aviva Travel Insurance

Cover for certain medical conditions can be provided on top of your basic quote – you will have to fill in an online questionnaire relating to the circumstances of your condition. Aviva will then decide whether they can provide cover, and what extra premium they require. It is possible you will need to call them directly to obtain a quote, as they may need further information about your health.

When seeking cover for pre-existing medical conditions, it’s important to always disclose all the details fully and honestly, and to review through the terms and conditions carefully, to make sure nothing about your personal medical circumstances that could invalidate any potential claim.

Cost of an Aviva travel insurance quote

Travel insurance premiums vary widely depending on personal circumstances, such as the age and state of health of the person or people travelling and the destination. Some locations, particularly the US, Canada and the Caribbean, are more expensive to get cover for, due to the cost of medical treatment in those regions. That said, as a guideline, we got the following quotes from Aviva:

MULTI TRIP Travel Insurance, Worldwide – a couple in their 50s

  • With baggage cover included = £128.41; Medical cover = £10 million; Max trip duration = 90 days
  • Without baggage cover included = £119.57; Medical cover = £10 million; Max trip duration = 90 days

SINGLE TRIP Travel Insurance, Spain, 2 weeks – one 34yr old woman travelling solo

  • With baggage cover included = £28.97; Medical cover = £10 million; Max trip duration = 90 days
  • Without baggage cover included = £28; Medical cover = £10 million; Max trip duration = 90 days

Visit Aviva's website to get a travel insurance quote tailored to your own circumstances.

What we say

Aviva is an established, well-respected brand. That said, their quote process could be easier to navigate and the lack of choice when it comes to cover level may not suit everyone.

What Aviva's travel insurance customers say

Aviva’s customers rated them 3.9 out of 5 in's Consumer Finance Awards and Reviews. Customers were asked for their feedback in four categories: customer service, flexibility & fairness, product features and value for money. They scored Aviva 3.9 for customer service, flexibility & fairness and product features and 3.8 for value for money.

What expert reviews say

Fairer Finance, a service set up to help consumers choose the best financial products, ranks insurers based on what customers think of the brand, how good they are at handling complaints, and how transparent they are. Aviva are ranked 16th out of 30 in the Travel Insurance category, with an overall score of 54% (averaged from 51% for happiness, 71% for trust, 78% for complaint handling and 9% for transparency).

Defaqto, an independent researcher and reviewer of financial products, offers star ratings for travel insurance policies. Their ratings are between 1-star (“a basic product, with a low level of features and benefits”) and 5-stars (“an excellent product with a comprehensive range of features and benefits”).

Defaqto gave Aviva’s multi trip travel insurance 5 stars.

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