Review: JS Travel Insurance
By
Ronny Lavie
Key features
- JS Travel Insurance offers up to £10,000,000 medical expenses cover
- No excess for personal accident claims
- Winter sports cover available
- Most medical conditions covered
Summary
JS Insurance is a UK company that was founded in 1999 and has since issued over 500,000 policies. As well as standard travel insurance, the company also provides specialist cover, such as backpacker insurance, policies for people over 65 and winter sports cover.
Click the link to get a personalised quote from JS Insurance.
Overview of the cover provided by JS Travel Insurance
JS offers single trip and annual cover, as well as longstay and backpacker cover, and winter sports insurance. There is no upper age limit for single trip cover, but annual travel insurance is only available to those up to the age of 75.
There are three levels of cover to choose from:
JS Standard – includes up to £2,500,000 medical and repatriation cover, £7,500 personal accident cover (no excess) and £500,000 personal liability cover. A £125 excess applies. This policy does not include legal expenses, missed departure or baggage cover.
JS Essential - includes up to £5,000,000 medical and repatriation cover, £15,000 personal accident cover (no excess), £1,000,000 personal liability cover, £15,000 for legal expenses (policy limit £30,000), £2,500 for abandonment of trip, £500 for missed departure and £2,500 for cancellation or curtailment. A £100 excess applies. This policy does not include baggage cover.
JS Superior – includes up to £10,000,000 medical and repatriation cover, £30,000 personal accident cover (no excess), £2,000,000 personal liability cover, £25,000 for legal expenses (policy limit £50,000), £5,000 for abandonment of trip, £1,000 for missed departure, £2,000 baggage cover and £5,000 for cancellation or curtailment. A £75 excess applies.
You can make sure you are covered for most activities by adding them to your policy from a list of sports and activities that includes everything from cycling to dog sledding and motorcycling.
Winter sports can be bought as a separate policy or added to single trip or annual cover. You can even get a quote for more specialist winter activities such as off-piste skiing and snowboarding and using a snow park. Learn more with our guide to off-piste ski and snowboarding insurance.
JS Insurance covers most existing medical conditions but it is important to declare them fully and honestly on the quote form.
See the full list of benefits for each policy and get a quote on the JS Insurance website.
How much does travel insurance cover from JS Insurance 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 person travelling.
To give you an indication of costs, we obtained some example quotes:
A 35-year-old single woman, travelling to Spain for a week: JS Standard - £13.24, JS Essential – £17.79, JS Superior - £26.12.
Annual cover to Europe for a couple in their 50s: JS Standard - £84.84, JS Essential - £103.60, JS Superior - £138.38.
Get a personalised JS Travel Insurance quote.
What do JS Travel Insurance customer reviews say?
eKomi.co.uk seems to be the only website to carry reviews for JS Travel Insurance. Customers gave it 4.6 out of 5 stars, and 92.66% of the 218 reviewers left positive feedback.
What do JS Travel Insurance reviews from the experts say?
Defaqto – the independent financial services reviewing site – gave JS Platinum 4 out of 5 stars, which means it is "a product with a good level of features and benefits". JS Gold got 3 out of 5 stars, which means it is "a standard product providing an average level of features and benefits". Finally, JS Silver scored 1 out of 5 stars, making it "a basic product, with a low level of features and benefits".
