Leisure Guard Travel Insurance Review

Key policy features of Leisure Guard travel insurance

  • Three levels of travel insurance cover: Standard, Premier and Premier Plus
  • A cheaper version of each policy available through Leisure Guard Lite
  • Medical cover of up to £20m

Get your Leisure Guard travel insurance quote here.

Or see if Leisure Guard makes it into our list of the best travel insurance companies.

Read on to learn more about:

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

What types of travel insurance does Leisure Guard offer?

Leisure Guard offers two different types of travel insurance policy: its normal Leisure Guard travel insurance, and its Leisure Guard Lite travel insurance.

Leisure Guard Lite is a cheaper type of policy, but is less comprehensive.

For both types of travel insurance, Leisure Guard offers both single trip and annual travel insurance, and three cover levels: Standard, Premier, and Premier Plus.

Leisure Guard

  • Standard

This policy offers £5m in medical expenses, £1,500 cancellation cover, personal possessions cover of £1,000, personal accident cover of £10,000 and personal liability cover of £2m.

Premier offers £10m in medical expenses, £5,000 cancellation cover, £2,000 personal possessions cover, personal accident cover of £10,000 and personal liability of £2m.

Leisure Guard's most comprehensive policy offers £20m in medical expenses, £10,000 cancellation cover, personal possessions cover of £3,000, personal accident cover of £25,000 and personal liability of £2.5m.

The Premier Plus policy has no excess if you are under the age of 65.

Excess on the Premier policy is £85 and £100 on the Standard policy. Personal money and legal protection have excesses of £30 and £200 respectively.

Leisure Guard Lite

  • Standard

Leisure Guard Lite's Standard cover offers £5m medical expenses, £1,500 cancellation cover, personal possessions cover of £750, personal accident cover of £5,000 and liability cover of £1m.

This Premier policy offers £10m in medical expenses, £3,500 cancellation cover, personal possessions cover of £2,000, personal accident cover of £30,000 and £1m in liability cover.

Leisure Guard Lite's most comprehensive cover offers £20m medical expenses cover, £10,000 cancellation cover, £3,000 personal possessions cover, personal accident cover of £50,000 and £2.5m in personal liability cover.

Premier Plus Lite has no excess.

Excess on the Premier policy is £85, and on the Standard policy is £100.

Leisure Guard also offers a number of optional extras. These include winter sports, gadget cover, a cruise pack, golf cover, special sports cover, business cover, wedding cover, armed forces cancellation cover and motor cycle cover up to 1500cc. There is also an excess waiver option on Standard and Premier cover levels.

Some of these optional extras have different cover levels. For instance, gadget cover can cover you up to £1,000, £2,000 or £3,000. There is an excess of £50 for this option.

Special sports cover consists of two tables that will cover you for various sports, such as dry slope skiing, rugby and polo.

Bear in mind that picking any of these optional extras will increase the price of your premium.

See if these cover levels put Leisure Guard in our list of the best travel insurance.

Are there any restrictions with Leisure Guard travel insurance?

Leisure Guard has some limits on its policy when it comes to your age and pre-existing medical conditions. Both of these are discussed below.

There are some other general exclusions to the policy that are common to travel insurance policies. For instance, you won't be covered for anything that happens as a result of terrorism, war, or civil unrest.

Some insurance companies will be able to cover you for this, however. Check out our article on travel insurance with terrorism cover and for dangerous areas for more information on this.

Moreover, Leisure Guard will not be able to cover you at all if you are travelling to Afghanistan, Liberia, Syria or Sudan, or any country the Foreign and Commonwealth Office has advised against travelling to.

Finally, there is a list of activities you won't be covered for under Leisure Guard's travel insurance policy unless you pay an additional premium. This includes base jumping, caving and potholing, martial arts and paragliding. For a full list, have a look in your policy documents. Some of the sports listed will be covered, but not for personal accident or personal liability claims.

Does Leisure Guard offer travel insurance for over 65s?

Leisure Guard can cover you up to the age of 79. However, on the over 65s policy, some cover levels will be lower than usual. For instance, on Leisure Guard's Standard policy, the personal accident cover for death is reduced from £10,000 to £2,500, and permanent total disablement cover is reduced from £15,000 to £2,500. These limits are reduced on all cover levels.

Moreover, some excess limits, such as on medical expenses and cancellation and curtailment, may be higher.

Winter sports cover is unavailable to anyone over the age of 70.

If you are over the age of 80 and looking for travel insurance, join our over 80s travel insurance group to get a better deal on your insurance.

How much does travel insurance from Leisure Guard cost?

Leisure Guard says its single trip travel insurance starts from £15.19 for a 7-day holiday, and its annual travel insurance starts at £58.78.

Leisure Guard Lite says its single trip travel insurance starts from £7.44, and its annual travel insurance starts at £18.53.

Leisure Guard also says its over 65s single trip travel insurance policy starts from £36.82, and its annual multi-trip starts at £47.40.

You can get a quote from Leisure Guard here.

In reality, it can be difficult to predict the cost of travel insurance as several factors influence the price, including your destination, your age, how long you are going away for, the policy you choose and whether you decide to include any additional extras. The best way to get an accurate price for your trip is to get a quote.

Moreover, although cost is an important factor in travel insurance, it shouldn't be the only thing you consider. We've written more about this in our best travel insurance article.

Does Leisure Guard offer travel insurance cover for pre-existing conditions?

Leisure Guard uses a medical screening process to determine whether it will be able to cover pre-existing medical conditions. It defines this as any condition you have had treatment for, attended any appointments or follow-ups, are on any medication for, or have any symptoms of, in the last two years.

As with most travel insurance companies, it's unlikely Leisure Guard will cover you for any terminal illnesses, or for any heart, circulatory, or respiratory conditions. It also may not be able to cover you for cancer or any psychological conditions such as depression or anxiety.

However, the company recommends you call on 01275 473 250 to see if it can cover you for these conditions. Leisure Guard will ask you further questions about your condition and tell you if cover can be provided.

Remember that if it cannot cover you for the condition, you may still be able to get travel insurance - you just won't be able to claim for anything related to the condition.

There is a list of conditions you won't need to get screened for under Leisure Guard's travel insurance. These conditions include things like acne, blindness, and tonsilitis.

It can be very difficult to find travel insurance that will cover you for things like cancer and other terminal illnesses. We at Bought By Many think this is unfair, so we're working on a product that will be able to cover you for things like this. Join our travel insurance for cancer patients group for more information about this.

Customer reviews of Leisure Guard travel insurance

Leisure Guard has been awarded 2.5 out of 5 based on just two reviews on Reviewcentre.com, with one of those two people recommending the company.

Expert reviews of Leisure Guard travel insurance

Leisure Guard's Premier Plus travel insurance policy has been given a 5 Star review from an independent financial reviewer.

Its Premier has been awarded a 4 Star rating, and its Standard policy has been given a 3 Star rating.

Leisure Guard Lite's Premier and Premier Plus travel insurance policies have both been given a 3 Star rating, and its Standard policy a 2 Star rating.

How to make a claim on Leisure Guard travel insurance

To make a claim on Leisure Guard travel insurance, you need to call its Global Response claims line on 0343 658 0302. This line is available 9am to 5pm Monday to Friday.

You'll need to have your travel insurance policy certificate on hand, as well as any documents relating to your claim, such as travel tickets, medical certificates or boarding passes.

If you have an emergency while you are away, you'll need to call the company's emergency line on 0343 658 0303. This line is available 24 hours a day.

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.