M&S travel insurance review

By Digby Bodenham 12th April 2018

Key policy features

• 10% discount on new policies when you apply online
• Medical emergency cover up to £10,000,000
• Cancellation or curtailment cover up to £6,000

Summary

M&S ranks third on our list of the 10 best holiday insurance providers. It offers flexible cover that can be adapted to different needs. Cover levels can be adjusted to include winter sports cover, baggage up to £2,500 and travel disruption.

Get a tailored quote on the M&S Bank travel insurance website.

Overview of the cover provided by M&S travel insurance policies

Marks & Spencer is one of the UK’s leading retailers and since 2002 it has been offering travel insurance, which is underwritten by Aviva. M&S travel insurance covers single and annual multi-trips and gives you the option to adjust or add these policy elements:

• Cancellation or curtailment
• Travel disruption cover
• Winter sports
• Excess
• Baggage

M&S single-trip policies have no age limit.

M&S annual multi-trip insurance covers travellers up to the age of 79.

If you have an M&S bank credit card you may be able to earn points by buying an M&S travel policy, depending on the offers available at the time.

Because M&S is underwritten by Aviva it does not exclude claims relating to terrorism.

Does M&S travel insurance cover pre-existing medical conditions?

Yes, it can. M&S travel insurance offers cover for some pre-existing medical conditions, however, it will not pay out for certain claims relating directly to more serious illnesses such as heart conditions, cancer or diabetes. Be sure to read the policy documents carefully before you book online or call them to discuss conditions. M&S travel insurance’s customer service phone number is 0800 068 3918.

Find out more about travel insurance for medical conditions (diabetes, asthma, heart conditions and more) and our special offers for people who suffer from them.

How much does M&S travel insurance cost?

Travel insurance premiums vary depending on personal circumstances including a person’s age, their health and the destination.

Find out how much your quote will be on the M&S website.

What do M&S travel insurance expert reviews say?

Fairer Finance, an independent review firm, ranks M&S’s Travel Insurance policy 12th out of 54 providers for customer experience and has awarded it a gold ribbon.

However, Fairer Finance gives its single and multi-trip policies 1 star in its product ratings. That may be because some features such as baggage cover have to be added as optional extras and don't come as standard.

Independent financial researcher Defaqto has rated M&S's most comprehensive cover as 5 Star.