Review of Holidaysafe Travel Insurance: Is It Your Best Option for Specialized Travel Insurance?
Holidaysafe is a company that specializes in travel insurance. They offer free insurance for children and many different types of travel insurance, such as coverage for backpackers, winter sports, cruises, scuba diving, weddings, and other events. Plans are priced reasonably, with the Premier Platinum plan at the top being the only one that costs more than what the market usually charges.
- Tailoring travel insurance to your specific requirements
- Long-distance travel insurance, financial protection,
- the inclusion of personal effects and baggage in all arrangements
- Purchasing relatively simple, all-inclusive insurance that includes coverage for unused frequent flyer points
Review of Holidaysafe Travel Insurance: What You Should Know:
Holidaysafe has many different single-trip and yearly travel insurance plans with varying coverage amounts. We like the Premier Plus plan because it provides comprehensive coverage at market-standard prices, even if we go bankrupt.
All policies cover some or all of the following: trip delay, missed departure, emergency medical, baggage and belongings, personal liability, and legal advice. Depending on the package, you might get coverage for trip cancellation or shortening, end-supplier failure, and gadgets.
Does Holidaysafe Travel Insurance cover UK-based trips?
Holidaysafe plans will cover travel to the United Kingdom as long as you spend at least three days in your home country during each trip. Less than three-day trips, including UK travel, are not covered. Of course, single-trip plans are also available for travel to the UK.
The initial condition:
Holidaysafe may cover pre-existing conditions for a more significant premium or excess. You must declare, Holidaysafe must accept, and other compensation must safeguard pre-existing conditions.
Holidaysafe yearly multi-trip insurance has an upper age limit of 80 years old at purchase; single-trip policies do not.
Significant Benefits of Holidaysafe Travel Insurance:
Annual, multi-trip cover for unlimited travels up to 31 or 45 days each; single-trip cover up to 3 months; long-stay or backpacker cover for journeys up to 24 months; financial failure in some plans; niche cover for golf, cruises, and winter sports; and personal items cover on all tiers.
Reviews by customers of Holidaysafe Travel Insurance:
How reliable is Holidaysafe? Holidaysafe offers robust coverage features, reasonable pricing, and outstanding customer feedback. We studied hundreds of customer evaluations to gain insight into the everyday customer experience. On the bright side, we looked for common complaints and what people liked about Holidaysafe. Here is what we discovered:
- More than 91700 reviews of Holidaysafe travel insurance are on our website, with an average rating of 4.8 out of 5. Only 2% of customers gave Holidaysafe a 1-star “bad” rating, while more than 3 out of 4 rated them “excellent.”
- Positive reviews include fair prices, especially for people with health problems, and fair compensation when a claim is valid. Here’s an example:
- “The policy is simple to understand and offers adequate levels of coverage. Covers all medical conditions and is appropriate for all ages.”
- When my wife was in Egypt before, she got hurt and had to go to the hospital several times, which was expensive. “When we returned from our vacation, I sent holiday safe all the pertinent invoices and documents, and they swiftly paid out.”
- “I had to make a regrettable claim last year due to being in the hospital, and the service was flawless, quick, and the money was quick.”
- “Very reasonable rates for coverage and the friendliest, most trustworthy people.”
- “When I fractured my arm and had to postpone my vacation, I had no trouble using the Holiday safe to get my money back. “Fantastic service that is plain, sincere, and equitable.”
- However, only some consumers have had a positive experience with Holidaysafe. For example, a few customers have needed help contacting the insurance company to determine if an emergency medical claim is covered.
Price comparison for vacations:
Prices at Holidaysafe are often reasonable. Traffic Cameras collected publicly available example quotations for various Holidaysafe products in multiple locations to compare costs to the average cost of travel insurance in the UK. All plans, except for Holiday safe’s Premier Platinum Annual, Multi-Trip plan, have lower prices than the national average.
Please only use the numbers below to learn something; your quotes may vary greatly. Insurance quotes might fluctuate significantly daily and according to your unique details.
We also got prices for a Holidaysafe plan for a family of four. This plan usually costs twice as much as an individual policy. Below are price comparisons for several policy types for a family of four with and without winter sports coverage across regions like Europe and America.
How expensive is Holidaysafe Travel Insurance for a Family of Four?
|Geographical Cover||Plan Name||Premium for a Family of Four||Premium for a Family of Four, Including Winter Sports|
|Worldwide excl. USA, Canada & Caribbean||Standard||£66||£90|
|Single Trip||Europe||Last Minute||£13||£28|
|Worldwide excl. USA, Canada & Caribbean||Last Minute||£30||£60|
Cost of Winter Sports Coverage:
Winter Sports cover is available as combined travel insurance for Standard and Premier Plans (including Annual Multi-Trip and Single Trip), Last Minute Single Trip plans, and Lite Multi-Trip plans. To get a sense of the price of the additional travel insurance, we’ve gathered sample quotes for a 30-year-old, healthy individual traveler.
Holidaysafe Winter Sports Premiums:
|Geographical Cover||Plan Name||All-In Premium including Winter Sports||Implied Cost of Winter Sports Add-On|
|Worldwide excl. USA, Canada & Caribbean||Lite Winter||£30||£30|
|Single Trip||Europe||Last Minute||£14||£7|
|Worldwide excl. USA, Canada & Caribbean||Last Minute||£30||£15|
Here are a few standout features of HolidaySafe’s travel insurance plans. Holidaysafe insurance also covers everyday things like medical and personal liability, for which you can see the limits in the Policies section below.
Features of Holidaysafe Travel Insurance:
- Trip cancellation: Coverage for vehicle rentals, outings, parking fees, housing, transport, death, illness, redundancy, property damage, HM Forces, and legal proceedings are acceptable reasons.
- Trip disruption (delay or cancellation): A refund for an international flight, train, or ship delays of more than 12 hours; insurance for pre-paid transportation and lodging costs; parking fees; rental cars; excursions; alternative transportation to get you to your destination or back home in case of a delay.
- Untimely Departure: Coverage for alternative travel costs (not lodging) for delayed foreign flights due to a delay in public transportation, a breakdown of your car, or an accident involving your vehicle.
- All insurance policies contain coverage for personal belongings and baggage possessions, with inner limitations varying by policy type for items like clothing, luggage, jewelry, and electrical goods. The scope ranges from £1,000 to £3,000 overall.
- The optional coverage includes cabin confinement, unused pre-paid shore excursions, and changes to the itinerary.
- Winter sports niche coverage is available for skiing, snowboarding, or ice skating excursions.
- The golf niche offers single-trip or multi-trip coverage for golf vacations.
Holiday safe’s Different Travel Insurance Policies:
- Holidaysafe offers five levels of single-trip and four levels of multi-trip travel insurance
- For one trip, there are three levels of winter sports insurance: Express, Standard, and Premier. There are two levels for more than one trip: Standard and Premier.
- They offer three backpacker and long-term coverage tiers(Backpacker and Long stay, Backpacker and Long stay Plus, and Backpacker and Long stay Platinum). Also Check Here Are Top Reviews of Admiral Travel Insurance In UK
- Holidaysafe Single Trip:
This travel insurance plan offers coverage for journeys lasting up to three months.
- Annual Holidaysafe Multi-Trip:
Holidaysafe Annual Multi-Trip plans to cover any trips lasting up to 1 month.
Coverage for journeys from three months to twenty-three months with Holidaysafe Backpackers/Long stay:
Below are the features of higher travel insurance categories. In general, cover restrictions grow as you move up the tiers.
Premier Travel Insurance with Holidaysafe:
Premier customers with a mid-tier plan get coverage for end-supplier failure and higher levels of coverage than those with a standard policy.
Traveling with Holidaysafe Premier Plus Insurance:
Premier Plus policyholders receive all of the benefits of the Premier plan with more significant limitations in several categories. They pay a lesser policy excess of £0 instead. Once you have reached this tier, the maximum trip duration for Multi-Trip insurance is between 31 and 45 days.
Travel Insurance Premier Platinum by Holidaysafe:
The top-tier Premier Platinum plan has higher levels of coverage across a wide range of features. You can cover your delayed trip back home. In addition, Holidaysafe provides options for last-minute buyers who don’t anticipate needing cancellation insurance. Also check Here are the top 10 UK car insurance companies
Last-minute or express travel insurance from Holidaysafe:
Last Minute/Express policies do not cover trip cancellation or curtailment if you have to shorten your trip. But they will cover flight delays, emergency medical care, lost or stolen items, personal liability, and legal issues.
Holidaysafe Cover Limits (Single Trip):
|Cover||Last minute||Standard||Premier||Premier Plus||Premier Platinum|
|Cancellation – If you are unable to go on your trip||No Cover||£1,500||£5,000||£7,500||£7,500|
|If your end supplier fails financially before you go on your trip (IPP)||No Cover||No Cover||£3,000||£3,000||£3,000|
|If your departure is delayed Maximum||£300||£150||£300||£300||£500|
|If your departure is delayed per 12 hours||£20||£10||£30||£30||£50|
|If you miss your departure||£500||£500||£1,000||£1,000||£1,500|
|If you miss your connection||£500||£500||£1,000||£1,000||£1,500|
|If you choose to abandon your travel plans||No Cover||£1,500||£5,000||£7,500||£7,500|
|If a major incident happens while you are on your trip – Additional travel expenses to move to a safer area||£1,000||£1,000||£1,000||£1,000||£1,000|
|If a major incident happens while you are on your trip – Prescribed medication||£150||£150||£150||£150||£150|
|If you need emergency medical treatment abroad||£10,000,000||£5,000,000||£10,000,000||£10,000,000||£10,000,000|
|If you incur additional medical expenses abroad||£10,000,000||£5,000,000||£10,000,000||£10,000,000||£10,000,000|
|If you need to be brought home||£10,000,000||£5,000,000||£10,000,000||£10,000,000||£10,000,000|
|If you need to be brought home – Body/Ashes||£25,000||£25,000||£25,000||£25,000||£50,000|
|If you are buried or cremated abroad||£5,000||£2,000||£5,000||£5,000||£5,000|
|If you are admitted to a public hospital maximum||£400||£400||£1,000||£1,000||£1,500|
|If you are admitted to a public hospital per 24 hours||£20||£20||£50||£50||£50|
|Curtailment – If you have to cut your trip short||No Cover||£1,500||£5,000||£7,500||£7,500|
|If your checked-in baggage is delayed||No Cover||£100||£150||£150||£350|
|If your valuables are lost, stolen or accidentally damaged||£1,000||£1,000||£1,000||£1,000||£1,000|
|If your valuables are lost, stolen or accidentally damaged – Single Article Limit||£250||£250||£250||£250||£500|
|If your gadgets are lost, stolen or accidentally damaged||£1,000||£1,000||£2,000||£2,000||£3,000|
|If your other possessions are lost, stolen or accidentally damaged||£2,000||£1,000||£2,000||£2,000||£5,000|
|If your other possessions are lost, stolen or accidentally damaged – Single Article Limit||£250||£250||£250||£250||£500|
|If you cash or event tickets are lost or stolen – Cash||£250||£250||£500||£500||£500|
|If you need emergency travel documents – Travel and accommodation expenses||£150||£100||£200||£200||£250|
|If you need emergency travel documents – Emergency travel documents||£150||£100||£200||£200||£250|
|If you need legal advice||£50,000||£10,000||£50,000||£50,000||£100,000|
|If you are killed, injured or disabled following an accident – Death||£15,000||£5,000||£30,000||£30,000||£70,000|
|If you are killed, injured or disabled following an accident – Loss of sight/Loss of limb (one eye or limb)||£15,000||£2,500||£30,000||£30,000||£35,000|
|If you are killed, injured or disabled following an accident – Loss of sight/Loss of limb (both eyes or limbs)||£15,000||£2,500||£30,000||£30,000||£70,000|
|If you are killed, injured or disabled following an accident – Permanent and total disablement||£15,000||£2,500||£30,000||£30,000||£70,000|
|If you are held legally liable for injury or property damage||£2,000,000||£1,000,000||£2,000,000||£2,000,000||£2,000,000|
|If your return journey to your home country is delayed Maximum||No Cover||No Cover||No Cover||No Cover||£350|
If your return journey to your home country is delayed per 12 hours
|No Cover||No Cover||No Cover||No Cover||£35|
|If your end supplier fails financially while you are on your trip (IPP) – Additional Costs||No Cover||No Cover||£3,000||£3,000||£3,000|
|If your end supplier fails financially while you are on your trip (IPP) – Return Transportation||No Cover||No Cover||£3,000||£3,000||£3,000|
Holidaysafe Cover Limits (Annual, Multi-Trip):
|Standard||Premier||Premier Plus||Premier Platinum|
|Days per trip||31||31||45||45 (60 Days Per Trip Extension Is Available)|
|Cancellation – If you are unable to go on your trip||£1,500||£5,000||£7,500||£7,500|
|If your end supplier fails financially before you go on your trip (IPP)||No Cover||£3,000||£3,000||£3,000|
|If your departure is delayed Maximum||£150||£300||£300||£500|
|If your departure is delayed per 12 hours||£10||£30||£30||£50|
|If you miss your departure||£500||£1,000||£1,000||£1,500|
|If you miss your connection||£500||£1,000||£1,000||£1,500|
|If you choose to abandon your travel plans||£1,500||£5,000||£7,500||£7,500|
|If a major incident happens while you are on your trip – Additional travel expenses to move to a safer area||£1,000||£1,000||£1,000||£1,000|
|If a major incident happens while you are on your trip – Prescribed medication||£150||£150||£150||£150|
|If you need emergency medical treatment abroad||£5,000,000||£10,000,000||£10,000,000||£10,000,000|
|If you incur additional medical expenses abroad||£10,000,000||£5,000,000||£10,000,000||£10,000,000|
|If you incur additional medical expenses abroad – Additional accommodation||No Cover||No Cover||No Cover||£5,000|
|If you need to be brought home||£5,000,000||£10,000,000||£10,000,000||£10,000,000|
|If you need to be brought home – Body/Ashes||£25,000||£25,000||£25,000||£50,000|
|If you are buried or cremated abroad||£2,000||£5,000||£5,000||£5,000|
|If you are admitted to a public hospital maximum||£400||£1,000||£1,000||£1,500|
|If you are admitted to a public hospital per 24 hours||£20||£50||£50||£50|
|Curtailment – If you have to cut your trip short||£1,500||£5,000||£7,500||£7,500|
|If your checked-in baggage is delayed||£100||£150||£150||£350|
|If your valuables are lost, stolen or accidentally damaged||£1,000||£1,000||£1,000||£1,000|
|If your valuables are lost, stolen or accidentally damaged – Single Article Limit||£250||£250||£250||£250|
|If your gadgets are lost, stolen or accidentally damaged||£1,000||£2,000||£2,000||£3,000|
|If your other possessions are lost, stolen or accidentally damaged||£1,000||£2,000||£2,000||£5,000|
|If your other possessions are lost, stolen or accidentally damaged – Single Article Limit||£250||£250||£250||£500|
|If you cash or event tickets are lost or stolen – Cash||£250||£500||£500||£500|
|If you need emergency travel documents – Travel and accommodation expenses||£100||£200||£200||£250|
|If you need emergency travel documents – Emergency travel documents||£100||£200||£200||£250|
|If you need legal advice||£10,000||£50,000||£50,000||£100,000|
|If you are killed, injured or disabled following an accident – Death||£5,000||£30,000||£30,000||£70,000|
|If you are killed, injured or disabled following an accident – Loss of sight/Loss of limb (one eye or limb)||£2,500||£30,000||£30,000||£35,000|
|If you are killed, injured or disabled following an accident – Loss of sight/Loss of limb (both eyes or limbs)||£2,500||£30,000||£30,000||£70,000|
|If you are killed, injured or disabled following an accident – Permanent and total disablement||£2,500||£30,000||£30,000||£70,000|
|If you are held legally liable for injury or property damage||£1,000,000||£2,000,000||£2,000,000||£2,000,000|
|If your return journey to your home country is delayed Maximum||No Cover||0 Cover||No Cover||£350|
|If your return journey to your home country is delayed per 12 hours||No Cover||No Cover||No Cover||£35|
|If your end supplier fails financially while you are on your trip (IPP) – Additional Costs||No Cover||£3,000||£3,000||£3,000|
|If your end supplier fails financially while you are on your trip (IPP) – Return Transportation||No Cover||£3,000||£3,000||£3,000|
How valuable is Holidaysafe travel insurance?
To fully understand how valuable Holidaysafe travel insurance is, it would help to compare it to other options. We contrasted it with competing plans so you could discover which would be most suited to your needs.
Travel insurance comparison between Direct Line and Holidaysafe:
Plans for travel insurance from Direct Line are straightforward and uncomplicated. They also cover the cost of replacing points or miles if a trip paid for with air miles or another rewards program has to be canceled or cut short. They also cover natural disasters. Even though prices can be slightly higher, our research shows that you still get these extra safety features. You’ll need to pay extra to protect your things, which is shocking.
Holidaysafe and AXA travel insurance comparison:
It offers reliable coverage at affordable rates, offering good value. All plans include insolvency, baggage, cancellation, delay, curtailment coverage, and catastrophe insurance.
Holidaysafe and AA Travel Insurance Comparison:
Another company that provides outstanding value is called AA Travel Insurance. We choose their top-tier Standard plan for its lengthier travel disruption protection, abandonment, financial collapse coverage, higher limits, and pre-existing condition coverage. All insurance policies cover personal belongings and baggage, though some travelers may find the coverage limitations too low. Customers who buy things with Traffic Cameras can get a 20% discount for the first year if they sign up for it.