Thomas Cook Travel Insurance Review

Key policy benefits:

  • Three levels of cover to choose from
  • Extra cover for weddings or winter sports
  • Access to a 24/7 helpline


Thomas Cook is a well-known travel brand, offering holidays to a wide variety of destinations around the world. The company launched in 1841 with a successful one-day rail excursion from Leicester to Loughborough, and the rest is history.

Thomas Cook travel services ceased operations in September 2020 as the company went into liquidation. However, its travel insurance is still going.

Thomas Cook has teamed up with Taurus Insurance Services to offer a wide range of travel insurance products. Based on how often you travel, you can choose between two different types of policies — Single Trip Cover or Annual Cover.

See how we rated Thomas Cook in our guide to the best UK travel insurance.

An overview of the cover provided by Thomas Cook Insurance

Within both of its Single Trip and Annual Trip cover, Thomas Cook offers three different levels of cover — Economy, Premier and First Class.

The excess will depend on the cover level and claim but it looks like it ranges from £75 to £100.

Economy Premier First Class
Personal accident £5,000 £10,000 £20,000
Missed departure £300 £500 £750
Emergency medical expenses Up to £10,000,000 Up to £10,000,000 Up to £10,000,000
Travel delay £250 £350 £500
Cancellation £1,000 £2,500 £5,000
Personal liability £2,000,000 £2,000,000 £2,000,000
Legal costs and expenses £25,000 £25,000 £25,000

Optional extras

For an additional premium Thomas Cook also offers optional cover for:

  • Enhanced gadget cover
  • Winter sports
  • Golf
  • Weddings and civil partnerships
  • Cruise (only on single trip policies)
  • Enhanced Covid-19 protection

Get a quote from Thomas Cook today.

How much does travel insurance cover from Thomas Cook cost?

The cost of your travel insurance can be affected by several different factors, including your age, pre-existing medical conditions, as well as the length of your trip, the destination and any planned activities.

To give you an indication of the costs, we obtained a quote for a single trip for a woman in her 30’s travelling within Europe for a week.

Economy Premier First Class
£19.00 £20.25 £34.25

We also obtained a quote for an annual policy for a couple in their 50’s who are travelling worldwide (excluding the USA, Canada and the Caribbean):

Economy Premier First Class
£123.75 £134.25 £255.50

What do Thomas Cook customers say?

On the reviewer website Trustpilot, Thomas Cook was rated 3.9 stars out of 5, with an overall rating of “Great” based on over 1,800 reviews. This is for all the products that Thomas Cook offers, not just its travel insurance options (correct as of September 2021).

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.