Review: Holiday Extras travel insurance
By
David Woodfield
Summary
HolidayExtras.co.uk is part of Holiday Extras Ltd and is a UK-based online company providing travel insurance as well as pre-booked UK airport hotels and parking.
Founded in 1983 as the ‘Apple Booking Company’ (ABC), the company began by offering a small number of three-star airport hotels in London, before selling travel insurance in 1986, and branching out into UK airport parking in 1988.
The company took more than four million bookings in 2014, and was voted fifth in The Sunday Times list of 100 best companies to work for. We’ve looked into the details of their product offering below.
You can get a quote for a holiday extras travel insurance policy online.
Overview of travel insurance cover provided by Holiday Extras Insurance
Holiday Extras travel insurance provides a range of cover options including single trip, annual trip, family cover and over 65s travel cover.
Single trip insurance is available at three tiers: basic, standard and premium. Basic cover comprises £500 cancellation cover per person, £1m medical cover and £500 baggage protection. Standard cover offers £1,000 cancellation cover per person, £2m for medical costs and £1,500 for baggage costs. Premium cover – the highest level of cover – provides £5,000 per person for cancellation, £5m for medical costs and £1,500 of baggage cover.
Family cover is available at the same tiers and offers the same limits and benefits, although buying this policy offers better value than purchasing separate insurance policies for each family member.
Specialist cover for over 65s includes an increased £15m in medical cover, and allows you to declare many different medical conditions (see the section below and remember if you suffer from a medical condition, make sure to check with the company whether it is covered and if there are any restrictions).
Annual travel insurance is available for the UK, Europe or Worldwide, and comprises a single package of £5m medical cover, £5,000 cancellation cover, £1,500 personal possessions cover and £1,500 baggage cover.
Holiday Extras also offers a number of travel insurance add-ons, depending on the nature and destination of the holiday. This includes provision for cruises, skiing holidays, golfing breaks and trips involving adrenaline sports.
Right for you? Get a Holiday Extras insurance quote online.
What about travel insurance with pre existing conditions?
Holiday Extras works in partnership with Latitude Insurance to provide cover for individuals with existing medical conditions. Most ailments are covered, subject to terms and conditions, including diabetes, cancer, heart conditions, epilepsy, high blood pressure and asthma, although customers will have to complete an online medical screening during the quotation process.
How much does travel insurance cost with Holiday Extras?
The cost of travel insurance with Holiday Extras will depend on a number of factors, such as the type of cover you require, the duration of your trip, any pre-existing medical conditions, and so on. However, the company has built its brand around offering solid cover at a reasonable price, and is proud of its ability to offer “cheap and reliable” holiday insurance.
Note: at the time of writing Holiday Extras include a “Free if you find it for less” guarantee that refunds you if you find one of their products for less. Importantly, the T&Cs state this does NOT apply for their insurance products so make sure you’re happy before a purchase.
Example quotes
One-week trip to Europe:
Basic: £12.25
Standard: £16.25
Premium: £18.75
One-week trip Worldwide:
Basic: £23.50
Standard: £35.25
Premium: £41.50
Annual cover in Europe for a single 30-year-old: £43.25
Annual cover Worldwide for a single 30-year-old: £54.00
What do Holiday Extras insurance reviews by customers say?
According to customers on money.co.uk, Holiday Extras scores 4.4/5 for its travel insurance, with more than half of those leaving a review claiming that they’d recommend the company to their family or friends.
What do Holiday Extras insurance reviews from the experts say?
Defaqto – the independent expert reviewer of financial products – has awarded Holiday Extras with three stars for all of its insurance policies, making them ‘standard products providing an average level of features and benefits’.
