reviews of direct line travel insurance

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Direct Line Travel Insurance Review: The Best Plan for You?

• Cover for natural disasters & End Supplier Failure
• Trip Delay/Cancellation/Curtailment
• Cover for replacement cost of used points/miles
• Older travellers
• Personal Belongings/Baggage (costs extra)
• High limits on Valuables
• Delayed departure cover

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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According to our analysis, Direct Line travel insurance can be a bit expensive, especially since you have to pay extra for Personal Belongings/Baggage cover (it's not included as standard); but we like that all policies include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. Read through our analysis of Direct Line travel insurance to help decide if it's right for your needs.

In This Review

• Direct Line Travel Insurance Price Comparison

Notable Features

• Policy and Coverage Options
• Comparing Direct Line to the Competition
• Policy Wording and Claims

Direct Line Travel Insurance Review: What You Need to Know

Direct Line offers one tier of Travel Insurance that includes Trip Cancellation /Curtailment, Emergency Medical, Trip Delay/Missed Departure, Legal Assistance and Personal Liability—generally speaking the policy has a really solid set of features, with a few exceptions like baggage costing extra.

In addition, Winter Sports and Personal Belongings/Baggage cover can be added to Direct Line travel insurance policies for an additional cost. Winter Sports cover will cost start roughly from £9 to £50 for a healthy, young individual traveller or from £20 to £115 for a family of four. Expect baggage cover to cost in the range of from £3.50 to £7.50 extra for the individual or £8 to £15 for a family.

Direct Line policies cover trips up to 42 days (Single trip policies for those aged 60+ and Annual, Multi-Trip policies for all ages) or up to 90 days (Single trip policies for those under 60 years of age).

Does Direct Line Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Direct Line policies, so long as you stay in pre-booked, commercially-operated accommodation for at least 2 consecutive nights.

Pre-Existing Conditions: You must declare any pre-existing conditions . Direct Line will either cover your medical condition without any extra premium, cover your condition with an extra premium or exclude cover for that condition.

Over 65s: The maximum Single Trip duration is shorter at 42 days for those aged 60+ (vs. 90 days for travellers under 60 years of age).

Covid cover: Direct Line offers pretty good cover for medical and cancellation costs related to Covid, such as:

• Medical expenses if you catch COVID-19 while you’re away.
• Additional accommodation and transport costs if you have to quarantine because you catch COVID-19 while you’re away.
• Cancellation costs if you or a close relative are diagnosed with COVID-19 before you go, you have to quarantine or the FCDO change their advice after you booked your trip.
• Cover to cut short your trip if the FCDO change their advice unexpectedly regarding the country you’re visiting.

Direct Line Travel Insurance Key Points

• Annual, Multi-Trip : trips up to 42 days each
• Single Trip : trips up to 90 days (except those aged 60+ have a 42-day trip limit), no upper age limit
• Optional extras: Winter Sports and Baggage
• End Supplier Failure cover
• Natural disasters cover
• Personal Belongings/Baggage not included as standard
• Lower-than-average limits on Valuables
• Delayed departure cover only kicks in after a 12-hour delay

Direct Line Travel Insurance Prices

Data analysis showed that Direct Line prices may be roughly 10% more expensive than average without inclusion of Direct Line’ Baggage extra; if Baggage is included then Direct Line prices may be around 20% more expensive than the average cost of travel insurance , but as you can see in the following charts there is a difference between Single and Annual Multi-Trip policies. We gathered sample quotes of Direct Line Travel Insurance for a sample healthy, 30-year-old individual traveller, to quantify the value found in Direct Line travel insurance policies.

Insurance quotes can vary significantly from day to day and according to your individual details, so please use this data for general educational purposes only; your quotes may reflect a large degree of variation to quotes listed here. When deciding upon the best travel insurance policy for you, don’t just look at price—features, benefits and exclusions potentially have a much larger impact than the premium you pay.

Direct Line Travel Insurance for a Family

Travelling with a family of four will more than double the cost of an individual travel insurance policy with Direct Line. To get an idea of what you might pay, we’ve gathered sample quotes for parents and children aged 8 and 10 across geographical locations like Europe and America .

How Expensive is Direct Line Travel Insurance for a Family?

Cost of direct line winter sports and baggage add-ons.

We've also gathered quotes across geographies to give you an idea of Winter Sports and Baggage travel insurance add-on costs for a healthy, 30-year-old individual traveller.

How Expensive are Direct Line Winter Sports & Baggage Add-On Costs?

Here are some highlights of features available on Direct Line travel insurance policies. Standard features like Medical and Personal Liability are also included on Direct Line policies, limits for which can be found below in the limits section. For complete details like inner limits and exclusions, please refer to the policy documents .

Types of Direct Line Travel Insurance Policies

Direct Line offers one tier of Annual, Multi-Trip or Single Trip cover, plus "Discoverer Trip" backpacker/long stay cover for longer journeys up to 18 months long.

Direct Line Single Trip: Direct Line Single Trip travel insurance covers trips up to 90 days abroad. There is no upper age limit, however those aged 60 or older are limited to a 42-day maximum trip length.

Direct Line Annual Multi-Trip: Direct Line Annual, Multi-Trip policies cover trips up to 42 days in length. Within each policy year, you can travel as many time as you want provided your total time abroad doesn’t exceed 90 days.

Direct Line Discoverer Trip Cover: Cover for backpackers, gap years and those going on longer journeys from 3 months up to 18 months long. Trip Abandonment and Delayed or Missed Departure are not covered on Discoverer policies, but Baggage cover is included as standard up to £1,500. Winter Sports cover is NOT available as an add on.

Here are some Direct Line cover limits (Single & Annual Multi-Trip Policies)

Cover limits for optional winter sports travel insurance, limits for optional personal belongings/baggage cover.

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Direct Line Travel Insurance Compare to Competitors?

To better understand the value of Direct Line travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Direct Line Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers good value for money, with all plans including Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe. Those who ski or snowboard will get longer Winter Sports cover with AXA (over 30 days, depending on the plan).

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, or you spend more than 22 on Winter Sports trips per year, then AXA might be a more comprehensive travel insurance option for you.

Direct Line Travel Insurance vs AA Travel Insurance

AA travel insurance is another provider offering good value. In particular, we like their higher-tier Standard plan as it offers higher limits plus includes Abandonment and Financial Failure, may cover pre-existing conditions and you can add extended Travel Disruption protection. Personal Belongings and baggage are covered on all policies, although cover limits may be too low for some travellers. When purchased online, customers can lock in a 20% online discount for the first year.

Bottom Line: If you want Baggage included and an online discount, AA offers 20% off to new customers.

Direct Line Travel Insurance vs Holidaysafe Travel Insurance

Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits to suit most needs. Prices are very competitive and solid value can be found amongst plans that can be customized to cover your particular activities, such as Sailing, Scuba, Mountain Biking, Motorcycling, Golf, Running & Triathlon, Cycling, Marathon and Winter Sports. The Premier Plus plans come in at market average prices, and include financial failure and natural disaster cover.

Bottom Line: If you're looking for customizable travel insurance cover, Holidaysafe offers many options to get the cover you need.

Other Useful Information

• Direct Line Travel Insurance Policy Documents

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Direct Line Travel Insurance Review

Everything you need to know before you buy travel insurance from Direct Line!

The experts say:

If you're looking for a no-nonsense travel insurance option, Direct Line's Single Trip policy is an obvious choice. With a Which? ranking of 17 out of 71 providers and a Policy score of 76%, it stands out as one of the top picks on the market. Its Covid Cover rating is Complete, meaning it covers 10000000 in medical expenses and also includes baggage cover up to 1500 and cancellation cover up to 5000 as standard. Plus, with just an excess payble of 75 on medical claims, you can rest assured that there won't be any nasty surprises. And with their Fairer Finance Rating of 4 stars, you can trust that Direct Line is the way to go!

What Direct Line customers are saying right now:

• 😃Efficient dealing with customers, timely and helpful.
• 😇Waived fees and gave refunds without any trouble.
• 🤩Faultless dealings with repair garages and courtesy cars.
• 😊Threats of increase in policy price or cancellation of policy avoided.
• 👍Highly customer orientated business.
• 😡 Awful customer service, long wait times and no response to complaints.
• 😠 Refusing to pay claims and pressuring customers to drop them.
• 🤬 Obstructive in helping pensioners, moving the goalposts and making threats of increasing policy prices or cancelling them.

Direct Line customer reviews summary

Direct Line travel insurance has been receiving mixed reviews, with some people praising their customer service and others finding them to be unhelpful. Many customers have found the company to be slow in responding to queries, while others have noted that they were quick to make refunds after cancelling policies. Prices appear to be rather steep and some people have faced obstacles when attempting to claim. On the whole, Direct Line travel insurance scores a 6/10 for its customer service and promptness in dealing with enquiries, though the cost of premiums may put some off.

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Direct Line: Travel Insurance reviews

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About the Travel Insurance

Whether you’re travelling for business or pleasure, a secure travel insurance policy couldn’t be more important. At Smart Money People, we collect Direct Line travel insurance reviews to help you understand the pros and the cons of being insured with this provider so that you can make the right choice for your circumstances. Direct Line launched in 1985 as a car insurance provider. Millions of customers later, it now offers a wide variety of policies, including home, landlord, cycling, life, and of course, travel insurance. When it comes to travel insurance, Direct Line offers a variety of policies, including both Single Trip and Multi-trip cover, with add-ons for winter sports trips and personal belongings. Direct Line also offers a Backpacker cover, providing insurance for gap-year travellers and round-the-world trips. Does this sound like the perfect fit for your travel plans? Check out our reviews to read about other people’s experiences with Direct Line. Have you taken out a Direct Line travel insurance policy? Whether good or bad, share your experience on Smart Money People to help us increase trust and transparency in financial services. Were you satisfied with the level of cover you received for the price of the policy? Did you have any problems arise throughout the policy, and if so, how well were they dealt with? Would you recommend the policy to a friend or family member? Leave a Direct Line travel insurance review today.

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Direct Line Travel Insurance: Your Key to Secure and Seamless Journeys

Direct Line Travel Insurance is a trusted name in the industry, renowned for its commitment to providing comprehensive coverage and exceptional customer service. With a history of reliability, Direct Line has become a go-to choice for travellers seeking peace of mind during their journeys.

Table of Contents

Read also:  https://traveltouk.site/exploring-the-wonders-of-mountain-view-park/

Read more:  Xcover Travel Insurance: Your Ultimate Safety Net

Importance of Travel Insurance

Travel insurance is not just an optional expense; it’s a safeguard against unexpected events that can turn a dream vacation into a nightmare. From medical emergencies to trip cancellations, having the right insurance ensures you’re protected financially and can focus on enjoying your travels.

1. Features of Direct Line Travel Insurance:

Coverage options:.

Medical Expenses

Direct Line covers a spectrum of medical expenses, including hospitalization, emergency medical evacuation, and outpatient care. This ensures you receive necessary healthcare without worrying about excessive costs.

Trip Cancellation

Life is unpredictable, and so are travel plans. Direct Line’s trip cancellation coverage reimburses non-refundable expenses if you need to cancel your trip due to unforeseen events such as illness, injury, or family emergencies.

Lost or Stolen Belongings

Protect your belongings with Direct Line’s coverage for lost or stolen items. This includes valuable items such as passports, electronics, and luggage, providing reimbursement for the inconvenience caused.

Emergency Assistance

Direct Line goes beyond insurance by offering 24/7 emergency assistance. Whether you need medical advice, travel assistance, or emergency evacuation, their dedicated support team is just a call away.

Policy Customization:

Tailoring Coverage to Specific Travel Needs

Every traveller is unique, and so are their needs. Direct Line allows you to customize your coverage, ensuring you pay for what matters most to you, whether it’s adventure sports coverage or additional protection for valuable items.

Add-Ons and Extras:

Enhance your protection with optional add-ons and extras. These may include coverage for pre-existing medical conditions, rental car protection, or even coverage for activities like scuba diving. Direct Line’s flexibility caters to the diverse needs of travellers.

2. Benefits of Choosing Direct Line:

Reputation and reliability.

Direct Line has earned its reputation through years of providing reliable and trustworthy services. Their commitment to transparency and fair dealings has made them a trusted choice for countless travellers.

Customer Reviews and Testimonials

Real experiences speak louder than promises. Positive customer reviews highlight Direct Line’s efficiency in handling claims, prompt customer support, and overall satisfaction. Hearing from other travellers can instil confidence in your choice.

Awards and Recognition

Direct Line’s excellence hasn’t gone unnoticed. Multiple awards and industry recognition underscore their commitment to delivering top-notch travel insurance services. Recognition can serve as a testament to the company’s dedication to quality.

3. How to Purchase Direct Line Travel Insurance:

Online purchase process.

Direct Line’s online platform simplifies the purchase process. The user-friendly interface allows you to input your travel details, customize your coverage, and receive a quote promptly. The straightforward process ensures you get the protection you need without unnecessary hassle.

Customer Support and Assistance

For those who prefer a more hands-on approach, Direct Line’s customer support is readily available. Whether you need clarification on coverage details or assistance with the application, their knowledgeable support team is just a phone call away.

4. Comparison with Other Travel Insurance Providers:

Highlighting unique selling points.

Direct Line stands out in the crowded travel insurance market. Unique selling points include their transparent pricing, customer-centric approach, and the ability to tailor coverage. Understanding these distinctions helps you make an informed decision.

Price Comparison

While price shouldn’t be the sole factor in choosing insurance, it’s a crucial consideration. Direct Line’s competitive pricing, coupled with its comprehensive coverage, positions it as a valuable choice for budget-conscious travellers.

Customer Satisfaction Ratings

Explore customer satisfaction ratings to gauge the overall experience of travellers with Direct Line. High satisfaction ratings indicate not just affordability but also the reliability and effectiveness of their services.

5. Tips for Making a Claim:

Step-by-step guide.

Filing a claim can be intimidating, but Direct Line provides a step-by-step guide to simplify the process. From documenting the incident to submitting necessary forms, the guide ensures you navigate the claims process with ease.

Document Requirements

Understanding what documents are required when making a claim is essential. Direct Line provides clarity on the necessary paperwork, ensuring you’re well-prepared and speeding up the claims approval process.

Customer Support during the Claim Process

Direct Line’s commitment to customer support extends to the claims process. Their dedicated team is there to assist you throughout, providing updates and guidance to alleviate any concerns during a stressful time.

6. Travel Insurance Industry Trends:

Overview of trends in travel insurance.

Stay informed about the latest trends in travel insurance. From evolving coverage options to advancements in digital services, Direct Line adapts to industry changes to offer cutting-edge solutions.

Direct Line’s Response to Industry Changes

Direct Line doesn’t just follow trends; it sets them. Discover how the company responds to industry changes, implementing innovations to stay ahead and provide enhanced services to its customers.

Clearing Up Misconceptions

Are there any hidden fees not mentioned in the pricing breakdown?

Direct Line is committed to transparency, and there are no hidden fees. All costs are clearly outlined.

Is travel insurance only for international trips?

No, Direct Line provides coverage for both domestic and international trips, ensuring comprehensive protection.

Is Direct Line Travel Insurance only for international trips?

Can I customize my coverage based on my specific travel requirements?

Yes, Direct Line provides flexibility, allowing you to tailor your coverage to match your unique circumstances.

What types of medical expenses are covered by Direct Line Travel Insurance?

Direct Line covers a range of medical expenses, including hospitalization, emergency medical evacuation, and outpatient care.

How does Direct Line handle trip cancellations?

Direct Line’s trip cancellation coverage reimburses non-refundable expenses in case of unforeseen events such as illness, injury, or family emergencies.

What belongings are covered in case of loss or theft?

Direct Line’s coverage extends to lost or stolen items, including valuable items such as passports, electronics, and luggage.

How does Direct Line provide emergency assistance during travels?

Direct Line offers 24/7 emergency assistance, providing support for medical emergencies, travel assistance, and emergency evacuations.

Can I add coverage for specific activities, such as adventure sports?

Yes, Direct Line allows you to customize your coverage, including options for specific activities like adventure sports.

Is travel insurance necessary for short domestic trips?

Direct Line offers plans for various travel needs, including short domestic trips, ensuring comprehensive protection.

How quickly can I expect a response when filing a claim?

Direct Line aims for a swift and efficient claims process, with many customers reporting timely resolutions.

What additional services or add-ons does Direct Line offer?

Direct Line provides optional add-ons and extras, allowing you to tailor your policy with services like coverage for pre-existing medical conditions or rental car protection.

Can I purchase Direct Line Travel Insurance for a group of travellers?

Yes, Direct Line offers options for group travel insurance, ensuring all members are covered during their journey.

Are there discounts available for frequent travellers?

Direct Line may offer discounts for frequent travellers or specific promotions. Check their website or contact customer support for current offerings.

What sets Direct Line apart from other travel insurance providers?

Direct Line stands out with transparent pricing, a customer-centric approach, and the ability to tailor coverage to individual needs.

Is Direct Line Travel Insurance suitable for business trips?

Yes, Direct Line provides plans suitable for business trips, addressing specific needs such as trip cancellations or emergency medical coverage.

Direct Line Travel Insurance offers a comprehensive and flexible solution for your travel protection needs, backed by a stellar reputation, customer satisfaction, and industry recognition. As you plan your next adventure, consider the security and peace of mind that come with Direct Line Travel Insurance. Choose a partner that understands your unique needs and is committed to ensuring your journeys are memorable for all the right reasons.

For in-depth policy details and to explore coverage options, visit Direct Line’s official website.

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Direct Line Travel Insurance

By soraya , March 8, 2011 in P&O Cruises ( UK )

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I've just had a very interesting discussion with Direct Line and it turns out that I am not covered by their insurance for my next cruise.

I was checking to see what the max cost that they cover is for a cruise as I'm thinking/dreaming of a world cruise.

Can't believe that I'm would not be covered by them for an 18day cruise around Norway. I have worldwide annual cover that says covered for 42 day trip.

Apparently, they treat cruising differently and if you are taking a cruise you need to call and tell them and if your cruise is over 7 days you need to pay them extra. £25 extra pp in my case.

It doesn't mention that they treat cruises differently in the booklet.

Just thought that I would let people know.

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Share on other sites, catherine janaway.

Thanks for that info, I'm just going to check with my insurance company.

When I booked with Thomas Cook they asked for details of my insurance policy but didn't mention that cruises may not be included.

I wonder why a cruise costs more :confused:

That's weird. I just called Nationwide (who use Liverpool & Victoria) and they said cruises were covered as standard.

Thanks for the info. Guess we should all check our insurance. Ours is annual, linked to the bank so we'd better get it checked out.

Is cruise insurance more in case you need air lifting or something like that?

It ought to be less, as there's qualified medical personnel and equipment on board!

capnpugwash

I've just had a very interesting discussion with Direct Line and it turns out that I am not covered by their insurance for my next cruise.   I was checking to see what the max cost that they cover is for a cruise as I'm thinking/dreaming of a world cruise.   Can't believe that I'm would not be covered by them for an 18day cruise around Norway. I have worldwide annual cover that says covered for 42 day trip.   Apparently, they treat cruising differently and if you are taking a cruise you need to call and tell them and if your cruise is over 7 days you need to pay them extra. £25 extra pp in my case.   It doesn't mention that they treat cruises differently in the booklet.   Just thought that I would let people know.

The condition should be highlighted in their documents, I suggest that you write to the FSA who govern such behaviour and lodge a complaint. There is no mention of any of this in either their Policy Document or Summary of coverage, it only advises that no trip can exceed 42 days.

I know that before I took my first proper cruise in 2005 this was mentioned on the P&O forum (not cc so hope it's OK to mention it) and I cancelled my insurance and moved it. But then Direct Line said it was all sorted. If I hadn't called I wouldn't have known. I checked in policy docs and then their website and then called because I couldn't see it.

Apparently,Ithey reckon I should know because under insured activities where they list the sports you're covered for it says yachting and sailing 12 miles from the coast - but a cruise ship isn't a sporting activity.

Am having a chat with Which? about it and am hoping they will take it up.

we discovered by accident that a lapsed policy did not cover us for cruising after we had cruised!!!) so its something I allways make sure of now ALSO -- do check the WORLDWIDE section --as the Caribbean has EXCLUSIONS and one policy we had quoted , Barbados was one of them !!!

SeaSickGill

Maybe it's just because being on a ship is seen as being more dangerous than being in a hotel I suppose.:(

I have been told by many insurance companies that they do not cover cruising unless specified, this is because in the event of a helivac it would cost an absolute fortune, also Doctors charges on board are expensive and are often used for minor problems that in normal holiday circumstances people would either self medicate or go to a pharmacy for advice.

Any one got a list of these insurance companies that dont insure cruises please

I have a work life insurance policy that also covers travel insurance Worlwide up to 30 days continuous travel.

I've just phoned my insurance company and they said I am covered for cruising - phew!

Just e-mailed my annual travel ins. provider (MRL) They said it was part of the annual policy, as long as you don't travel anywhere that the foreing office has advised against.

Glad of that as we have just come back from 2 week Caribbean Ventura cruise!

best one I have found so far is Insure and Go - cruises covered as standard.

I have been involved in the Insurance business since 1984 and I have never heard of any travel insurance that excludes cruises. There may be a couple of companies but the vast majority will offer cover as standard. The main problem is the value when it comes to cancellation cover and the length of some trips, but other than that it is normally readily available.

I had assumed that an annual travel policy includes Cruises but when it was pointed out to me that not all do I checked and my policy did not include cruises and neither did my partners ( different companies).

It is also quite a mamoth task to read the small print to check f cruising is covered.

In my experience you must always request cruise cover when you take out the policy as not all offer it as standard.

If you use the comparison sites there is no mention of cruise in the lists you get so you have no idea if you will be covered.

We both went on a cruise last year unaware that we were not insured .

please can you tell me your insurance companies

I had assumed that an annual travel policy includes Cruises but when it was pointed out to me that not all do I checked and my policy did not include cruises and neither did my partners ( different companies). It is also quite a mamoth task to read the small print to check f cruising is covered. In my experience you must always request cruise cover when you take out the policy as not all offer it as standard. If you use the comparison sites there is no mention of cruise in the lists you get so you have no idea if you will be covered. We both went on a cruise last year unaware that we were not insured .

I would imagine that unless the policy states that it doesn`t cover cruises then it will.

We took out Direct Line insurance last year as our normal insurer, whom we had been with for many years, refused to cover my husband for anything related to high blood pressure. He had been put on pills and, although the policy allows high blood pressure, it only covers you if you have been on medication for over one year and are stable. We offered to pay more but they refused.

I phoned Direct Line and took their annual policy, paying a little more, but with the assurance that he was covered for anything related to high blood pressure.

I told Direct Line we were going on a cruise. Maybe the fee was higher because of this but it wasn`t mentioned to me.

I've just looked at the front page of the Insure and Go website. Actually mentions that cruises are covered as standard, so that would mean to me that not all do by the mere fact that they mention it.

hi, we have just tried to take insurance out with SAGA and one question related to the cost of the cruise per person,it appears their maximum cancellation cover is £5000p.p therefore they would not insure us as we were on a dearer cruise than their insurance cancellation cover.....

My insurance was an annual policy with BELL ( part of AXA)cost about £65 and I found out after we had been on the first one this year that cruising was not covered when I rang then and tried to extend the cover they would not do it and I had to buy another policy to cover my 2 weeks cruise costing £29.

My partner had an annual policy with Saga ( cost about £80 I think) which also did not cover cruises, they did upgrade his policy for an extra £25. The policy ran out at the beginning of March and when they sent a quote for renewal with cruises it was £127.

My advise would be not to assume you are covered.

Unless you see it in black and white that cruises are covered in my experience they are not.

newport dave

Atlas direct cover cruises as standard, we have, my DW and I, Annual Worldwide policy which cost just £58 for the year.

We have annual cover provided free by Barclays Bank Premier Account who use Aviva. Phoned them and was assured that it covers cruises.

I have an annual policy with 'direct travel insurance' (note: not 'Direct Line'). They have confirmed to me this morning that they do cover cruises.

MattyBarlow

Yes i use Atlas Direct. they even advertise cruise insurance.

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• What is travel insurance?
• Average cost
• When to buy travel insurance
• Average cost by age
• What does travel insurance cover?

Travel Insurance Cost: Average Travel Insurance Prices in 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

• The average travel insurance premium this week is $297.42, down about 0.38% compared to last week.
• For travel in the United States, the average premium is $175 to $350.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth travel insurance .

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Insurefor.com, admiral insurance, staysure travel insurance.

Direct Travel Insurance   Reviews

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Reviews 4.6.

2,351 total

Most relevant

Fine until you actually have to make a claim

I've been a loyal customer for about 20 years. In that time I'd previously only had to claim once and that was handled satisfactorarily (I'd even put a positive review up here). Having incurred extra costs due to a health issue while on my latest holiday in feb I won't be using direct travel again. The company that now handles claims is appalling, playing every trick in the book to make things hard going, presumably hoping you'll just give up. I'm over 4 1/2 months in and still have no decision. They ask you for endless sources of evidence but don't mention there is a 2mb limit to emails so your emails fail to go through. Then they close your case for lack of response! I've had to keep chasing and resending. It was my second chaser in which I was told they still hadn't had my response when the person I was speaking to mentioned the 2mb limit. Given the complexity of the evidence they wanted (document scans etc) 2mb is a tiny allowance. I decided to upload docs direct to the system only to find their system is very limited in the types of docs it will accept so I had to pdf everything - anyone less technical would have probably given up which is presumably the point. I've probably put about 5/6hrs into this claim so far and now have to wait nearly a further month till the claims assessor can review my further documentation due to a backlog. Just booking my next holiday and will be insuring elsewhere. Interesting that most reviews who have had to claim recently seem to be having similar -ve issues.

Date of experience : 26 July 2024

Reply from Direct Travel Insurance

Many thanks for your message. We are sorry to hear that you had taken unwell on your trip. We have contacted the claims team, and at our request, they will be contacting you regarding your claim. If you have any further queries, please do not hesitate to contact us. We hope you make a speedy recovery! The Direct Travel Insurance Team!

I made a mistake on my policy I…

I made a mistake on my policy I contacted Direct informed them of it and the amendment was made immediately. Very prompt and impressive level of service. I am most impressed. Excellent stuff 10 / 10.

Date of experience : 28 June 2024

We are pleased that you received great customer service from our team! Thanks for your feedback! The Direct Travel Insurance Team.

Annual travel insurance done - fantastic!

Had been thinking on taking out an annual travel insurance policy for years but I retired two months ago and hoping to travel more now. Was surprised how easy to navigate the online form and even more surprised at the price as I did have a medical condition to declare. Feel so satisfied that I have insurance in place now for a whole 12 months.

Date of experience : 08 August 2023

Many thanks for taking the time to share your positive feedback on your recent experience! The Direct Travel Insurance Team.

I used the phone to renew my insurance

I used the phone to renew my insurance. The automated introduction was reasonably quick and easy to follow, taking me to a very helpful and polite lady (Kelly I think was her name). Due to my age (76) there were some changes needed to the policy but she explained and sorted all of this and answered some questions about future cover. Overall the best experience I have had in sorting things out over the phone. I was almost sorry when the call ended. Thank you.

Date of experience : 09 January 2023

That is fantastic to hear. We are delighted to hear that you are more than happy with the service you received from our team. We will pass your positive comments onto our call team. Many thanks for taking the time to share your positive feedback on your recent experience. The Direct Travel Insurance Team.

Mid priced policy covering medical conditions

I spoke to two agents about my policy requirements and both were very friendly and efficient as well as patient. Insurance is increasingly expensive but this provider was midway when it came to cost and provided the cover I needed for medical conditions. Overall I was very happy with the service provided.

Date of experience : 05 September 2023

That is great to hear! Thank you for choosing Medical Travel Insurance!

It would have been five stars

It would have been five stars but when I first tried the various offers displayed disappeared before I could select one and only the most expensive one remained. I tried again and was then told there was no cover available. Third time lucky. I got quotes made my selection and booked.

Date of experience : 09 October 2023

Many thanks for taking the time to share your positive feedback on your recent experience. The Direct Travel Insurance Team.

ski insurance cover

Phoned to arrange ski insurance cover for several trips. The consultant I spoke to was very helpful as I had medical conditions which had to be declared before insurance cover could be arranged. All of this was handled very well, and all policies are now in place. Highly recommended.

Date of experience : 03 October 2022

We are delighted that you received great customer service from our team! Many thanks for taking the time to share your positive feedback on your recent experience. The Direct Travel Insurance Team.

Easy purchase.

This review is based on my buying travel insurance from Direct Travel. I haven’t travelled yet. So, this was the cheapest option for me and it met my requirements. Purchase was simple enough and my policy was sent immediately via email.

Date of experience : 25 August 2023

Great prices and very easy and…

Great prices and very easy and straightforward to get insurance to cover all my medical conditions and my gadget cover. This is my second time coming back to use them with no hassle whatsoever. I would highly recommend this company. 10/10

Date of experience : 26 February 2023

We are pleased that you had such a great experience! Thank you for your positive feedback! The Direct Travel Insurance Team.

Travel Insurance September 2023.oked our travel Insurance through…

I booked our travel Insurance through Confused.com. The process was smooth and relatively easy. I opted for Direct Travel because they appeared to be offering a competitive Insurance product at a good price. It was easy to purchase online.

Date of experience : 17 September 2023

Thank you for your positive comments! We are glad you had a great experience! The Direct Travel Insurance Team.

First of all thank you for competitive…

First of all thank you for competitive travel insurance however a number of the online questions do not give you a very clear picture of a medical condition. For example I had a cardiac arrest some eight years ago and was given stents but have been fine ever since - why is this fact not asked? Also the query about being able to walk 200m without being out of breath - surely a more greater distance would be more significant? I just feel that this area needs to be addressed (by all companies) to make it clear how able an individual is.

Date of experience : 07 September 2022

Many thanks for your feedback. We constantly review feedback, in order to make improvements where possible. Thank you for purchasing with Direct Travel Insurance. The Direct Travel Insurance Team.

Lauren made the whole process so easy…

Lauren made the whole process so easy for me answering all my questions so nicely. It’s the second time I’ve taken out holiday insurance with Lauren to help and will certainly contact her again for my next holiday

I needed to adjust my policy

I needed to adjust my policy, the young girl who helped me sort out was very helpful couldn’t have asked for anymore. All the staff that l have dealt with have been helpful will continue to book with them in the future

Date of experience : 22 September 2023

Happy to choose Direct Travel

On an online search process this was one of the options available which suited my purpose and which I was happy to take up. I received a prompt response and subsequently the policy documents. Unless a claim is required I cannot really add anything else.

Date of experience : 14 February 2023

We appreciate your feedback. The Direct Travel Insurance Team.

A good and fair deal from Direct Travel

I found a good quote from Direct Travel on a comparison website. They appeared not to load the premium as my partner has a pacemaker - which makes her a good deal more healthy than most. The process of form filling was quick and efficient. Good value.

Date of experience : 26 September 2022

We are delighted that you found our website easy to use. Thank you for your positive feedback! The Direct travel Insurance Team.

We have used Direct Travel before and…

We have used Direct Travel before and found them to be very professional and helpful. The system used to get a quote is very straight forward and easy to navigate.

Date of experience : 06 August 2023

That is great to hear! Thank you for choosing Direct Travel Insurance! The Direct Travel Insurance Team.

Yours was best price. I had trouble paying which appeared to be 3d authentication issues, but even after sorting this with my bank I still couldn't pay. I phoned and your assistant was very helpful. I payed ok on the phone.

Date of experience : 01 January 2023

Thank you for sharing your experience with us! The Direct Travel Insurance Team.

I've used direct travel for years and…

I've used direct travel for years and always been happy with them. Had to contact them as my holiday had had to be cancelled and they were really helpful supporting me to transfer my insurance to the replacement location which I didn't realise was possible

First Class

The lady I spoke to on the phone was very helpful. There was a choice of silver, gold and platinum polices. The payment process was easy. I am recommending Direct Travel to some friends.

Date of experience : 27 January 2023

Holiday insurance

Well informed and informative sales assistant. Used this company three times and have recommended to others. Who also are very happy with service.

Suggested companies

Admiral insurance, hastings direct.

Direct Line   Reviews

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Reviews 3.9.

21,945 total

Most relevant

great services especially when has to…

great services especially when has to make a class

Date of experience : August 09, 2024

Reply from Direct Line

Hi Susan, thanks for taking the time to leave us a five star review. It's great to see you've had a good experience with us. Alex

Straight forward and helpful,thanks.

Date of experience : August 16, 2024

We appreciate your kind words and are glad you found our service helpful. Ellie

Far less competitive

Prices have risen by ridiculous amounts in the last 2 years!

Date of experience : August 12, 2024

We understand your frustration with the recent price increases. We strive to provide value to our customers and are always looking for ways to improve our offerings. Christy

Friendly representative

Friendly representative, quick answering phone and understood what I required

Straight forward online

Good deal, great price nice and easy to renew

We're delighted to hear you found our deal a good value and the renewal process straightforward. Ellie

It meets my financial needs.

Thank you for your kind words! We're glad to hear that our product meets your financial needs. Ellie

The agent was polite and efficient

Date of experience : August 15, 2024

Thank you for your kind words. We are glad to hear that you had a positive experience. Christy

Good price, early renewal warning

We appreciate you taking the time to share your feedback. We're glad you found our pricing competitive and that you received an early renewal warning. Christy

Very helpful

Thanks for your five-star review. Ellie

I think that the quotes sent out are to…

I think that the quotes sent out are to high, how can you have no claims and they try to double the premium?

Hi Mark, thanks for your review. We're sorry to see we've sent you a renewal price you're unhappy with for this year. If you'd like us to have a look over this, please send us a Facebook message on the link below. Alex m.me/directlineuk

Friendly helpful staff

We're gland to hear your received a friendly service. Thanks for your feedback. Ellie

Always very competitive and very…

Always very competitive and very efficient and friendly

Thank you for your kind words! We appreciate your recognition of our competitive pricing, efficiency, and friendly service. Your feedback is greatly valued. Ellie

Helpful and reliable

Helpful and reliable, would recommend to my friend's.

Thank you for your kind words. We appreciate your positive feedback and are glad you found our service helpful and reliable. Christy

Phone answered quickly & very helpful

We appreciate you taking the time to leave a positive review. We're glad to hear that you found our phone service helpful and efficient. Ellie

Very good price

Very good price, no hassle thankyou

We appreciate your business and are glad to hear you found our pricing competitive and our process hassle-free. Thank you for the five-star review. Ellie

Efficient claim process

Efficient, knowledgeable and friendly staff

Date of experience : July 31, 2024

We’re happy to see your amazing comments about your recent claim Gerard.

Helpful call handler .

We're glad to hear our call handler was helpful. Thanks for your feedback Nicky. Ellie

Fab service

Good service The lady on the phone was brilliant

We appreciate your kind words and are glad to hear you had a positive experience. We strive to provide excellent customer service and are happy to know that our team member was able to assist you. Christy

Full information provided for renewal…

Full information provided for renewal and price was competitive.

Hi Ian. Thank you for your kind words and positive feedback. We appreciate you taking the time to share your experience. Ellie