Greatcover.com Travel Insurance Review

Key policy features

  • Medical expenses up to £20m
  • Over 60 activities covered as standard
  • Winter sports, cruise and golf cover available

Find out if Greatcover.com made it into our list of the best travel insurance companies.

Or, read on to learn more about:

  • What types of insurance does Greatcover.com offer?
  • What optional extras are available from Greatcover.com?
  • How much does travel insurance from Greatcover.com cost?
  • Does Greatcover.com cover medical conditions?
  • Does Greatcover.com cover over 65s, 70s and 80s?
  • Are discount codes available for Greatcover.com travel insurance?
  • Customer reviews of Greatcover.com
  • Expert reviews of Greatcover.com
  • How to make a claim
  • Other insurance available from Greatcover.com

What types of insurance does Greatcover.com offer?

Greatcover.com offers three levels of travel insurance:

Essential Cover Includes: up to £1,000 for cancellation or curtailment, up to £20m for emergency medical treatment, up to £1,000 baggage allowance (up to £200 per item, including valuables), up to £250 for personal money and documents (£150 cash limit or £100 for under 18s), up to £2m for personal liability, up to £1,000 for holiday abandonment (after 24hrs) and up to £1,500 for scheduled airline failure.

Super Cover Includes: up to £3,000 for cancellation or curtailment, up to £20m for emergency medical treatment (including £250 for emergency dental pain relief), up to £1,500 baggage allowance (up to £250 per item, including valuables), £250 for delayed baggage, up to £500 for personal money and documents (£200 cash limit or £100 for under 18s), up to £2m for personal liability, £500 for hijack (£50 per day), up to £750 for missed departure, up to £500 for catastrophe, up to £3,000 for holiday abandonment (after 24hrs), £300 for credit card fraud, up to £15,000 for overseas legal expenses and assistance, up to £200 for strike and up to £1,500 for scheduled airline failure.

Super Plus Cover Includes: up to £5,000 for cancellation or curtailment, up to £20m for emergency medical treatment (including £250 for emergency dental pain relief), up to £3,000 baggage allowance (up to £350 per item, including valuables), £300 for delayed baggage, up to £250 for replacement of passport, up to £1,000 for personal money and documents (£400 cash limit or £100 for under 18s), up to £3m for personal liability, £1,000 for hijack (£100 per day), up to £1,000 for missed departure, up to £1,000 for catastrophe, up to £5,000 for holiday abandonment (after 24hrs), £500 for credit card fraud, up to £20,000 for overseas legal expenses and assistance, up to £300 for strike and up to £2,000 for scheduled airline failure.

Excess fees of between £50 and £195 apply to some claims.

Greatcover.com offers separate policies for backpacker, cruise, winter sports, golf and skiing insurance.

See how Greatcover.com compares to other providers in our list of the best travel insurance companies.

What optional extras are available from Greatcover.com?

Extensions to cover winter sports (including ski equipment, piste closure and avalanche closure) and cruise (including connection, cabin confinement, missed excursion and emergency airlift) are available for an extra premium. These can also be purchased as separate policies (along with golf and backpacking). Additionally, a Travel Disruption extension can be purchased, which increases the covered amount for cancellation, delayed departure, holiday abandonment and missed departure.

Cover for flight cancellation, wedding/civil partnership, golf equipment and business can also be added to policies purchased through Greatcover.com.

How much does travel insurance from Greatcover.com cost?

The cost of travel insurance varies widely depending on the personal details of the person travelling, the duration of the trip and the destination.

However, according to the Greatcover.com website in December 2017, standard annual multi-trip cover starts from £17.99.

The company’s winter sports cover starts from £16.98 for a single trip and £29.99 for annual, golf cover starts from £7.99 for a single trip and £11.99 for annual, cruise cover starts from £7.99 for a single trip and £17.99 for annual, and backpacker cover starts from £129.99 for 12 months.

Does Greatcover.com cover medical conditions?

Some medical conditions are covered under Greatcover.com’s policies, but customers with pre-existing medical conditions who wish to take out insurance from the company must call their dedicated medical screening line on 0333 355 0289 and answer a few questions about their health. The company will then confirm cover in writing (if they are able to offer it).

Does Greatcover.com cover over 65s, 70s and 80s?

Annual travel insurance only covers people up to the age of 75, and single trip covers people up to 79. Winter sports cover is available up to the age of 65 and backpacker insurance is available up to the age of 49.

Are discounts available for insurance from Greatcover.com travel insurance?

TopCashback offers between £0.30-£20.07 cashback for new valid travel insurance policies from Greatcover.com bought through the TopCashback site.

Additionally, Greatcover.com offers deals on family policies.

Greatcover.com customer reviews

On Trustpilot, Greatcover.com received a 4 out of 5 stars and a TrustScore of 7.7 out of 10, giving it a rating of Great (based on 464 reviews).

Expert reviews of Greatcover.com

Fairer Finance gave Greatcover.com’s Essential policy 1 out of 5 starts, its Super policy 4 out of 5 stars, and the Super Plus policy 5 out of 5 stars (product rating for both annual and single trip).

Independent financial researcher Defaqto rated Greatcover.com’s Super Plus policy as 5 Star, its Super policy as 4 Star and the company’s Essential policy as 2 Star (for both single and annual trips).

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features, a 4 Star rated policy “has a good level of features and benefits” and a 2 Star rated policy “has a below average range of features and benefits”.

How to make a claim

The best way to make a claim on a policy from Greatcover.com is through the company’s website, where you can download the relevant claim from, depending on when your policy was issued.

You must contact the claims department within 31 days of the incident for which you are claiming.

When contacting the claims department, you need to have the following information available:

  • Policy number
  • Resort and country visited
  • Value of claim
  • Brief description of circumstances
  • Travel dates
  • Incident date

For claims issued on or after 01/06/2014, you can also contact Greatcover.com’s travel claims services department by phone on 0203 3622 424, or by emailing gctravel@travelclaimsservices.com.

Other services available from Greatcover.com

Greatcover.com is a specialist travel insurance company, and so offers no other services.

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.