Key policy features of Big Cat travel insurance
- Three levels of cover to choose from: Budget, Standard and Premier
- The option to get travel insurance if you're already abroad
- All policies come with a no excess option
Find out if Big Cat makes it into our list of the best travel insurance companies.
Read on to learn more about:
- Key policy features of Big Cat travel insurance
- What types of travel insurance does Big Cat offer?
- Are there any restrictions with Big Cat travel insurance?
- How much does travel insurance from Big Cat cost?
- Does Big Cat provide travel insurance cover for pre-existing conditions?
- Does Big Cat travel insurance cover over 65s, over 70s and over 80s?
- Customer reviews of Big Cat travel insurance
- Expert reviews of Big Cat travel insurance
- How to make a claim on Big Cat travel insurance
What types of travel insurance does Big Cat offer?
Although Big Cat offers relatively standard single and multi-trip policies it seems to be aimed at backpackers and it does have some non-standard options that may be useful to certain travellers. Find out about the best backpacker travel policies here.
For example, Big Cat allows you to buy cover if you're already travelling. Most insurers say you have to buy cover before you depart, so Big Cat may be a good option if you arrive somewhere and realise you've forgotten to take out travel insurance. You can also extend cover while you're away, even if your orginal policy wasn't with Big Cat.
If you do buy insurance while you're on a trip you won't be able to use cancellation cover. We've written about why it can be a useful feature here.
Big Cat's activity pack can include work as well as sports activities. Backpackers who plan to do fruit picking, casual farm work or bar work will be covered if they add the appropriate activity pack.
Check out our guide to the best backpacker travel insurance policies here.
Another unusual policy that Big Cat offers is one-way travel insurance. It says it could be useful for those planning an extended stay overseas, a gap year or returning back to a country of origin.
It gives an example of an Australian who has been living in the UK or Europe and decides to go back home. If they first fly into South America, travel up to Los Angeles using different types of transport, and fly home from there, Big Cat's policy will cover the entire trip until they arrive home.
If there is a medical emergency and repatriation is needed, Big Cat will pay for you to to be taken to your final destination unless it makes more sense to bring you back to your country of origin.
Big Cat is backed by Axa and offers single, multi-trip and backpacker insurance, and three levels of cover for each:
- Budget provides £2m in medical and repatriation expenses, £1m in personal liability, £10,000 in personal accident cover and £7,500 in legal expenses, with an excess of £150. Cancellation and curtailment cover is an optional extra
- Standard provides £5m in medical and repatriation expenses, £2m personal liability cover, £15,000 for personal accident cover, £2,000 cancellation and curtailment cover, £100 delayed departure and delayed arrival cover and £10,000 legal expenses cover with a £70 excess
- Premier provides £10m medical and repatriation expenses, £2m personal liability, £25,000 in personal accident, £5,000 cancellation and curtailment cover, £100 delayed departure and delayed arrival cover and £15,000 in legal expenses with a £35 excess
All three policies allow you to purchase optional baggage cover of £1,000, £1,500 and £2,000 for Budget, Standard and Premier respectively.
Many other insurers offer baggage cover as standard but Big Cat says many of its customers are backpackers and asked for it to be optional to bring down the cost of travel insurance.
There is also the option of an excess waiver, as well as extra activity packs and winter sports cover available for all policies. Bear in mind any optional extras will increase the price of your premium.
Are there any restrictions with Big Cat travel insurance?
There are some restrictions with Big Cat travel insurance. There are limitations relating to age and pre-existing conditions, both of which are discussed below.
You must live in a European country to be eligible for cover. If you live in Switzerland, Russia, Belarus, Montenegro or the Ukraine you are not able to get cover.
There are limitations on riding a motorcycle abroad; for instance, you can only ride a hired bike up to 125cc.
And there are restrictions on activities you can take part in. You can add more activities with the activity pack add-ons. For example, rowing is included as standard but you would need an activity pack add-on if you want to do a bungee jump.
Any loss, damage or liability caused by terrorism, war or nuclear risk is not covered.
There are some insurance companies that will cover terrorism. See our article on travel insurance with terrorism cover and for dangerous areas.
How much does travel insurance from Big Cat cost?
The cost of travel insurance from Big Cat depends on a range of factors, including your age, how long you are going away for, your destination, which policy you choose and whether you choose any optional extras.
For this reason, it's difficult to provide an estimate of how much it will cost to get covered.
Price is a big factor for many people but it's important to also consider the level of cover you are buying. We look at how to compare travel insurers in our guide to the best travel insurance.
Does Big Cat provide travel insurance cover for pre-existing conditions?
Big Cat provides travel insurance for some pre-existing conditions, including blindness, asthma if the person was diagnosed before the age of 50, deafness and tinnitus. A full list is available on Big Cat's website.
Some pre-existing conditions are excluded from Big Cat travel insurance. The company won't be able to offer you and cover if you have heart disease, respiratory conditions or cancer. It can be difficult to get travel insurance for these kinds of illnesses.
Big Cat may be able to cover you for some pre-existing conditions not listed under the 'automatically included' part of its website. If you call the company and declare your condition they should talk through what they can offer. Bear in mind that covering conditions may increase your premium.
Check out our article on getting travel insurance with medical conditions cover for more information.
Does Big Cat travel insurance cover over 65s, over 70s and over 80s?
Big Cat's Standard and Premier travel insurance policies will cover you up to the age of 69. Its Budget travel insurance policy will cover you up to the age of 50.
There are some travel insurance providers that will cover you over the age of 70. Check out our article on the best travel insurance for more information.
Customer reviews of Big Cat travel insurance
There are no customer reviews of Big Cat travel insurance on Reviewcentre.com, Reviews.com or Trustpilot.
However, the company has a score on Feefo of 4.6 out of 5, based on over 60 reviews.
Expert reviews of Big Cat travel insurance
There are no expert reviews of Big Cat travel insurance online.
How to make a claim on Big Cat travel insurance
There are two ways to make a claim on Big Cat travel insurance. You can submit a claim online or you can contact the company and download a claim form to send to them.
For all claims, you will have to submit a certificate that proves you paid the premium, a trip itinerary, booking confirmation and your travel tickets.
Various other claims will entail providing different types of documentation to the company. For instance, for a cancellation claim, you'll need to provide a cancellation invoice and for a medical expenses claim you'll need to provide receipts of the medical attention you paid for.