OK To Travel insurance review

James Alston By James Alston

Key policy features of OK To Travel insurance

  • No maximum age limit on trips up to three months

  • Cover for medical conditions including cancer

  • £10m medical expenses cover on all policies

Find out if OK To Travel makes it into our list of the best travel insurance policies.

Or join our travel insurance for cancer patients group to find out more about a new product we are designing to cover travellers suffering from cancer.

Read on to learn more about:

What types of travel insurance does OK To Travel provide?

OK To Travel is a little different from most travel insurance companies because it offers travel insurance products for those suffering from pre-existing conditions, including things like cancer.

Aside from its bespoke medical conditions policies, OK To Travel provides single trip, multi-trip and long stay travel insurance, and offers three levels of cover, all of which provide £10m in medical expenses cover as standard:

  • Premier Plus

    OK To Travel's most comprehensive policy includes £5,000 cancellation and curtailment cover, personal accident cover of £15,000, personal property cover of £3,000 with a £300 single item limit, personal liability of £2m and legal expenses of £15,000. There is no excess on this policy except £100 if you make a claim for legal expenses.

  • Premier

    This policy includes £1,000 cancellation and curtailment cover, personal accident cover of £15,000, personal property cover of £2,000 with a single item limit of £250, personal liability cover of £2m and legal expenses of £15,000. The excess on most aspects of this policy is £75, with £100 again for legal expenses claims.

  • Standard

    OK To Travel's least comprehensive policy provides no cancellation or curtailment cover, personal accident cover of £15,000, personal property cover of £2,000 with a single item limit of £250, personal liability cover of 2m and legal expenses of £15,000. The excess on this policy is usually £75, apart from £100 for legal expenses.

OK To Travel also offers a number of optional extras, including winter sports cover, additional cover for hazardous activities and golf cover.

Find out if these policy levels put OK To Travel into our list of the best travel insurance.

Are there any restrictions with OK To Travel insurance?

Single trips can be no more than 184 days and multi-trip policies have a limit of 31 days for any one trip. You also must have been living in the UK for at least six months and be registered with a UK doctor to take out a policy.

You are not covered for things like war or terrorism, apart from medical emergency cover. This is common across most travel insurance products. However, some companies can cover you for this. Check out our article on travel insurance with terrorism cover and for dangerous areas for more information.

There is a list of hazardous activities that are not covered, including mountaineering and rock climbing, unless you pay an additional premium.

Make sure you read your policy documents thoroughly so you know exactly what you are covered for.

Does OK To Travel provide travel insurance for over 65s?

Yes. For a trip lasting up to 92 days, there is no upper age limit on OK To Travel's insurance policies. For single trips that last more than 92 days, the upper age limit is 75.

Does OK To Travel provide travel insurance for pre-existing conditions?

OK To Travel provides bespoke policies for those suffering from cancer, diabetes, epilepsy, leukaemia and heart conditions.

These policies calculate your insurance premium based on your condition - for instance, the type of cancer you are suffering from and what your treatment plan is.

Bear in mind it does not guarantee it can cover all conditions and prices for cover medical conditions are often higher. It's always worth shopping around and comparing prices and policies.

OK To Travel may be able to provide cover for terminal prognoses, provided it is more than 6 months from the return date of your holiday. Most insurance companies won't be able to offer any cover if you have a terminal condition.

OK To Travel has an online screening process when you get a quote where you'll have to answer a number of questions about your condition. If it can't give you an online quote you may have to call its customer services line and answer some more questions.

We're working on a travel insurance product for people suffering from cancer that will only need a sign off from your doctor. Join our travel insurance for cancer patients group to keep up to date with this product.

Aside from their bespoke policies, OK To Travel says it will consider all medical conditions, which it defines as anything you have suffered from, had treatment for or had an appointment in relation to in the past two years.

How much does travel insurance from OK To Travel cost?

It can be hard to predict how much your travel insurance will cost, as many factors go into calculating the price of your premium. These include your destination, your age, how long you are travelling for, the policy level you choose, whether you pick any optional extras and whether you have a pre-existing condition. The best way to find out how much your travel insurance will cost is by getting a quote.

While cost is important for many consumers, it shouldn't be the only thing you consider when purchasing travel insurance. We've written more about this in our best travel insurance article.

Customer reviews of OK To Travel insurance

On Feefo, OK To Travel has a rating of 4.7 out of 5 based on over 150 reviews.

Expert reviews of OK To Travel insurance

OK To Travel's Premier Plus travel insurance policy has been given 4 stars out of 5 by an independent financial reviewer.

Its Premier and Standard travel insurance policies have both been given 3 stars.

A star rating indicates where a product sits on the market based on the quality and comprehensiveness of its features.

Over on Fairer Finance, OK To Travel's Premier Plus and Premier travel insurance policies have both been given 4 stars out of 5.

Its Standard policy has been awarded just 1 star.

How to make a claim on OK To Travel insurance

OK To Travel has a 24-hour medical emergency phone line on 0203 829 6745.

For any claims that are not a medical emergency, you'll need to get a claims form online from www.tifgroup.co.uk/services/claims/forms. You can also call them on 0203 829 6761 to obtain one through the post.

You'll need to keep any receipts for expenses, medical certificates, and any other evidence that may help your claim.

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