Co-op Travel Insurance Review

Key policy features of Co-op travel insurance

  • First insurer to offer cashless medical expenses
  • Platinum, Gold and Silver policies offer post-trip physiotherapy if needed
  • No age limit on travel insurance policies

Find out if these policy features place Co-op in our list of the best travel insurance companies.

Read on to learn more about:

  • Key policy features of Co-op travel insurance
  • What types of travel insurance does Co-op offer?
  • Are there any restrictions with Co-op travel insurance?
  • Does Co-op offer travel insurance for over 65s?
  • Does Co-op offer travel insurance cover for pre-existing conditions?
  • How much does travel insurance for Co-op cost?
  • Customer reviews of Co-op travel insurance
  • Expert reviews of Co-op travel insurance
  • How to make a claim on Co-op travel insurance

What types of travel insurance does Co-op offer?

Co-op offers a standard range of travel insurance products: single trip, annual multi-trip, winter sports, and cruise cover.

However, it says it's the first insurer to offer cashless medical expenses cover. This means you won't have to fork out for medical treatment yourself and then claim it back later as you would with most insurance companies.

The cashless cover is available in dozens of countries around the world. To use it, you first have to contact the Co-op on a 24/7 number to check it is available and it will tell you a clinic to attend or send a doctor to your location.

You will have to pay the policy excess to the facility where you have treatment. If it isn't available in the country you are visiting, you may have to pay for your medical expenses like normal and claim them back later.

Its product also offers an online medical consultation with a UK doctor, 24 hours a day, 7 days a week, wherever you are in the world.

Its Silver, Gold and Platinum (only on annual policies) cover levels also offer a new service called Homecare. This can help if you suffer a serious injury abroad and need physiotherapy or a visit to a chiropractor when you get home. It also offers payouts for nanny and UK prescription cover.

These are useful features that other insurers might not cover, however, the payouts aren't huge (£400 for UK physiotherapy with the Gold policy) so it may not cover the cost of a long-term recovery.

All of the Co-op's travel policies offer unlimited emergency medical cover. Individual cover levels are as follows:

  • Gold

Co-op's most comprehensive single trip policy offers £5,000 cancellation and curtailment cover, emergency dental cover of up to £450, baggage cover of £3,000 and legal expenses of up to £40,000.

The excess is £50.

Co-op's mid-range policy offers £2,500 cancellation and curtailment cover, emergency dental cover of £350, baggage cover of £2,000 and legal expenses cover of £30,000.

The excess is £75.

Co-op's cheapest travel insurance product offers £1,000 cancellation and curtailment cover, emergency dental cover of £250, baggage cover of £1,000 and legal expenses of £10,000.

The excess is £100.

The excess is £50.

All of its policies have a range of other features and cover levels that you can check on the Co-op's website.

Co-op also offers winter sports cover and cruise cover.

Find out more about the best winter sports cover by reading our best travel insurance article.

Are there any restrictions with Co-op travel insurance?

Aside from pre-existing medical conditions (discussed below), Co-op has a number of more general restrictions and exclusions that are common to most travel insurance companies. For instance, it won't be able to cover you for anything that happens as a result of terrorism, revolution, or nuclear threats.

There are some companies that can cover you for events such as these, however. For more information on this, check out our article on travel insurance with terrorism cover and for dangerous areas.

There are more obvious restrictions, like having to wear a helmet while riding a motorbike. It also won't be able to cover you for any sexually transmitted diseases or infections.

Make sure you read your policy documents thoroughly so you know exactly what you're covered for when you take out your policy.

Does Co-op offer travel insurance for over 65s?

Co-op can offer travel insurance for people of all ages - there is no maximum age limit. However, if you're aged 66 or over, you'll only be able to get cover for trips of up to 31 days on single-trip and annual multi-trip policies.

If you're over the age of 90 you'll need to call to get a quote on 0330 400 1626.

Find out more about travel insurance for over 65s in this section of our best travel insurance article.

Does Co-op offer travel insurance cover for pre-existing conditions?

Co-op may provide some cover for pre-existing medical conditions if they are declared and Co-op agrees to insure you.

Co-op defines pre-existing conditions as any condition for which you have received treatment in the last two years. By this the company means any condition you have had surgery for, had tests for, had investigations into or had drugs or medication prescribed for, in the last two years.

In reality, most insurers will not cover a wide range of medical conditions, especially more serious conditions like cancer or epilepsy. It can be difficult finding travel insurance for these conditions, and even if you can, insurance premiums will usually be expensive.

However, Bought By Many has its own travel insurance product that can cover you for severe medical conditions within Europe. For more information on this product, join our travel insurance with medical conditions group.

How much does travel insurance for Co-op cost?

It's difficult to predict the price of travel insurance because a range of factors go into calculating a premium, such as where you're travelling, how old you are, which policy you decide to choose, whether you pick any optional extras and whether you have any pre-existing conditions. For this reason, it's usually easier to simply get a quote.

While price is an important factor for many people when it comes to buying travel insurance (or any insurance), it shouldn't be the only thing you consider. Read our article on the best travel insurance for more information on why.

Customer reviews of Co-op travel insurance

On Reviewcentre.com, Co-op travel insurance has a rating of 2.3 out of 5 based on over 35 reviews, with 32% of users recommending the product.

Co-op as a whole has received a rating of 3.78 out of 5 based on over 300 reviews on Reviews.co.uk, with over 70% of users recommending the company.

And on Trustpilot, the Co-op as a whole has a score of 3.4 out of 10 based on over 100 reviews.

Bear in mind that the second two reviews are based on the company as a whole, and so may not be reflective of its travel insurance specifically.

Expert reviews of Co-op travel insurance

An independent financial reviewer has awarded Co-op's Gold and Platinum travel insurance products with a 5 Star rating.

Its Silver product has been given a 4 Star rating, and its Bronze a 3 Star rating.

Over on Fairer Finance, Co-op's Gold travel insurance has been awarded 5 stars out of 5.

Its Silver product has been given a 4 star rating, and its Bronze product a 2 star rating.

How to make a claim on Co-op travel insurance

To make a claim on Co-op's travel insurance, you can either log into your Co-op account, or call:

  • 0203 362 2451 for emergency medical assistance (24 hour line)
  • 0330 400 1505 for non-emergency claims within the UK
  • 0203 362 2450 for non-emergency claims outside the UK

You'll need your policy number to hand when you make a claim with Co-op.

This article was written by Bought By Many. We were not paid to write it but we will receive commission if clicking on a link to one of the named insurers results in a reader taking out a policy with that insurer. We also charge for advertising space so a particular insurer may be highlighted in the article and, where insurers are listed, it can dictate where they appear in the list.