Review: Puffin Travel Insurance

Ronny Lavie By Ronny Lavie

Key policy features

  • Puffin Insurance offers three levels of travel cover
  • Medical expenses, personal liability and loss of passport are included as standard
  • Optional extras include winter sports, cruise and gadget cover

Summary

Puffin Insurance is a travel insurance specialist that offers cover for UK residents aged 18 to 75.

Read our guide to lean more about the top 10 travel insurance providers.

Overview of the cover provided by Puffin Insurance

Puffin Insurance provides single trip and annual policies. There are three levels of cover to choose from – Bronze, Silver and Gold. All policies include:

  • £10,000,000 for medical expenses
  • £250 personal money cover
  • £150 for loss of passport
  • £500 dental service cover
  • £1,000,000 personal liability cover
  • £5,000 personal accident cover

Additionally, the different levels of cover include the following:

Bronze – £750 cancellation cover, £750 personal luggage cover, £400 daily hospital benefit, £10,000 legal protection, £750 for curtailment and abandonment, £500 natural disaster cover and £1,000 for scheduled airline failure. Travel delay and missed departure are not included in this policy. A £200 excess applies to most claims and the max days per trip for annual cover is 31.

Silver – £1,500 cancellation cover, £1,500 personal luggage cover, £600 daily hospital benefit, £15,000 legal protection, £1,500 for curtailment and abandonment, £750 natural disaster cover, £1,500 for scheduled airline failure, £100 for travel delay and £500 for missed departure. A £50 excess applies to most claims and the max days per trip for annual cover is 45.

Gold – £3,000 cancellation cover, £2,000 personal luggage cover, £800 daily hospital benefit, £25,000 legal protection, £3,000 for curtailment and abandonment, £1,000 natural disaster cover, £2,000 for scheduled airline failure, £200 for travel delay and £750 for missed departure. A £50 excess applies to most claims and the max days per trip for annual cover is 62.

Puffin Insurance also has optional extras you can add to your policy to tailor it to your needs. These include cover for winter sports, cruise, gadget, golf, business and wedding.

See how Puffin Insurance compares with the 10 best travel insurers.

Does Puffin Insurance provide travel insurance for medical conditions?

Yes, but you must undergo a medical screening online or over the phone. In some cases, certain conditions may be excluded from the policy in order to gain cover or lower premiums (this depends on your age and destination, as well as the condition). Remember, you must declare all of your medical conditions fully and accurately to avoid invalidating your policy.

Learn more with our guide to getting travel insurance for medical conditions.

How much does Puffin travel insurance cost?

The cost of travel insurance varies according to factors such as your age, medical conditions, the destination and length of your trip and the activities you plan to take part in while you’re away.

That said, according to the Puffin Insurance website, single trip policies start from £3.07 and annual policies start from £15.98.

What do Puffin Insurance customer reviews say?

We couldn’t find customer reviews for Puffin Insurance online. However, we looked at two providers whose travel policies are underwritten by The Insurance Facilities Group (TIFG), who are also Puffin’s underwriters.

On Trustpilot, World First Travel Insurance got 5 out of 5 stars and was rated excellent (with a score of 9.4 out of 10).

Alpha Travel Insurance was also labelled Excellent (with 9.1 out of 10) and given 5 out of 5 stars.

What do Puffin Travel Insurance reviews from the experts say?

Independent financial researcher Defaqto has rated Puffin Insurance’s Gold, Gold Medical Cover and Silver Cover policies as 3 Star. The company’s Silver Medical Cover, Bronze Cover and Bronze Medical Cover were rated as 2 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 an average level of features and benefits” while a 2 Star rated product has “a below average range of features and benefits”.

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