Review: Holidayrisk.com Travel Insurance
By
Ronny Lavie
Key policy features
- Holidayrisk.com Insurance offers three levels of travel cover
- Medical expenses, personal liability and legal expenses are included as standard
- Ski and Activities cover available
Holidayrisk is one of Travel Insurance Facilities' (TIF) brands. In November 2018, The Times reported on a number of allegations made by customers against TIF.
TIF says that the allegations made by The Times are completely false. It has taken legal action and brought a defamation claim against the newspaper.
TIF states that it has long-campaigned for a better understanding of travel insurance, and will continue to do so. It refers to its educational campaigns at www.travelinsuranceexplained.co.uk as well as its dedicated philosophy and ethics information at www.tifgroup.co.uk/about/our-philosophies.
Summary
Holidayrisk.com is the trading name of Globeshield International Limited. The London company launched in 1994 and offers a wide range of travel insurance options.
Find out if Holidayrisk.com made it into our list of the Top 10 Insurance Providers.
Overview of the cover provided by Holidayrisk.com Travel Insurance
Holidayrisk.com's cover includes Single Trip, Annual Multi Trip, Over 65, Backpacker and Ski/Activities insurance. Within these categories, there are three levels of cover to choose from: Silver, Gold and Platinum.
Silver Cover includes:
- Up to £1,000 for cancellation or curtailment
- Up to £5,000,000 for emergency medical expenses and repatriation
- £200 for dental treatment
- Up to £200 hospital benefits
- Up to £100 for baggage delay
- Up to £300 personal money cover
- Up to £5,000 personal accident cover
- Up to £200 for missed departure
- Up to £1,000 for holiday abandonment
- Up to £10,000 for legal expenses
Gold Cover includes:
- Up to £2,000 for cancellation or curtailment
- Up to £10,000,000 for emergency medical expenses and repatriation
- £200 for dental treatment
- Up to £300 hospital benefits
- Up to £1,000 for personal possessions
- Up to £300 for travel documents
- Up to £100 for baggage delay
- Up to £300 personal money cover
- Up to £10,000 personal accident cover
- Up to £250 for missed departure
- Up to £2,000 for holiday abandonment
- Up to £15,000 for legal expenses
- Cover for ski equipment and activities
Platinum Cover includes:
- Up to £5,000 for cancellation or curtailment
- Up to £10,000,000 for emergency medical expenses and repatriation
- £350 for dental treatment
- Up to £700 hospital benefits
- Up to £1,750 for personal possessions
- Up to £350 for travel documents
- Up to £200 for baggage delay
- Up to £350 personal money cover
- Up to £20,000 personal accident cover
- Up to £250 for missed departure
- Up to £5,000 for holiday abandonment
- Up to £25,000 for legal expenses
- Cover for ski equipment and activities
Personal liability cover of up to £2,000,000 is included in all policies, as well as cover for hijack and mugging.
See how Holidayrisk.com Insurance compares with the 10 best travel insurers.
How much does travel insurance cover from Holidayrisk.com cost?
The cost of travel insurance is affected by many different factors, such as the destination, length of stay, activities planned and the age and medical conditions of the persons travelling.
However, to give you an indication of costs, we obtained the following example quotes:
Annual Multi Trip European cover for a couple in their late 50s: Silver - £55.99; Gold - £74.99; Platinum - £95.99 (maximum 31 days per trip for all). Gold Cover with 45 days per trip limit - £89.99.
Single Trip cover for a single female in her 30s traveling to Europe: Silver - £8.01; Gold - £9.26; Platinum - £18.93. Gold Cover Annual policy with 31 days per trip limit - £35.99.
What do Holidayrisk.com Travel Insurance reviews from customers say?
On Feefo Holidayrisk.com has a rating of Excellent based on 1,776 reviews. The service received 97% positive feedback from customers.
What do Holidayrisk.com Travel Insurance reviews from the experts say?
Independent financial researcher Defaqto has rated Holidayrisk.com’s Gold and Platinum Cover policies as 3 Star and their Silver Cover as 1 Star.
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 3 Star rated policy “has an average level of features and benefits” while a 1 Star rated product has “a low level of features and benefits”.
