M&S travel insurance review

Digby Bodenham By Digby Bodenham

Key policy features

  • 15% discount on new policies when you apply online
  • Medical emergency cover up to £10,000,000
  • Cancellation or curtailment cover up to £6,000


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 AXA. 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 an upper age limit of 80 for people travelling to the USA, Canada or Caribbean Islands, but there is no age limit for all other destinations.

M&S annual multi-trip insurance covers travellers up to the age of 80. For those travelling to the USA, Canada or the Caribbean Islands on annual policies there is an age limit of 70.

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.

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. As a guideline, we got the following quotes from the M&S Travel Insurance website.

Annual multi-trip travel insurance, worldwide – a couple in their 50s

Price = £166.81 for up to £10m of medical cover, baggage up to £1,000, cancellation up to £4,000 and a £100 excess.

Price = £178.22 for up to £10m of medical cover, baggage up to £2,500, cancellation up to £4,000 and a £100 excess.

Single trip travel insurance, Spain, 2 weeks – one 34-year-old woman travelling solo

Price = £26.82 for up to £10m of medical cover, baggage up to £1,000, cancellation up to £4,000 and a £100 excess.

Price = £27.94 for up to £10m of medical cover, baggage up to £2,500, cancellation up to £4,000 and a £100 excess.

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

What do M&S travel insurance customer reviews say?

M&S travel insurance has an average score of 2.6 out of 5 from 22 reviews on Reviewcentre.com.

What do M&S travel insurance expert reviews say?

Fairer Finance, an independent review firm, ranks M&S’s Travel Insurance policy third out of 45 providers and has awarded it a gold ribbon.

Independent financial researcher Defaqto has rated M&S the single and multi trip policies as 3 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 “a standard product providing an average level of features and benefits”.

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

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