Admiral travel insurance review

21 min Read Published: 18 Nov 2021

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In this review, we take a look at Admiral travel insurance policies including what it covers and how much it costs. We recommend that you read the review in full, however you can jump to specific sections of the article using the following links:

What is Admiral travel insurance?

Admiral was established in the UK in 1993 and initially specialised in car insurance policies. It has since expanded to include home insurance and travel insurance. Admiral Insurance is a trading name of EUI Limited which is authorised and regulated by the Financial Conduct Authority (FCA).

Admiral travel insurance key features

  • Covid-19 cover (more information can be found here)
  • Single and annual multi-trip policies
  • 3 levels of cover
  • Up to £20 million emergency medical cover
  • 24-hour emergency assistance helpline
  • Over 60s travel insurance (for travellers aged up to 70 years old)
  • Golf trip cover (up to £1,500 for golf equipment and lost green fees)
  • Hazardous activity cover (you will likely need to call to check that your chosen activity is covered before taking out a policy)

Admiral travel insurance policies

Here we explain the different travel insurance policies you can get with Admiral Insurance.

Admiral Single trip travel insurance

Single trip travel insurance allows you to insure a single trip abroad for up to 365 days of the year. With single trip travel insurance you can choose to travel worldwide but you will need to check that your travel destination is covered under your policy as you may need a specific worldwide policy to include countries such as the USA. You can choose to insure an individual, couple or family with single trip travel insurance.

Admiral annual multi-trip travel insurance

Annual multi-trip travel insurance will insure you for multiple trips in a 365-day period. You are however limited to a maximum of 31 days per trip.  Annual multi-trip travel insurance is best for travellers that take multiple trips or holidays in a year and can be more cost-effective than multiple single trip travel insurance policies. You can get insurance as a couple, family or an individual.

What does Admiral travel insurance cover?

In this section of the review, we highlight the level of cover you can expect with an admiral travel insurance policy. There are three levels of cover with Admiral travel insurance and we highlight the differences between those in the below comparison table.

Admiral travel insurance policies

Admiral Admiral Gold Admiral Platinum
Policy excess £100 £75 £50
Emergency medical £10m £15m £20m
Cancellation or curtailment due to illness £1,000 £2,500 £5,000
Delay/missed departure cover (limits apply per person) £1,000 £2,500 £5,000
Lost, stolen or damaged personal belongings £1,000 £1,500 £2,500
Money and important documents £300 £400 £500
Personal accident cover £5,000 £7,500 £12,500
Hijack cover N/A N/A £1,000
Catastrophe cover  N/A £1,000 £1,500
Legal assistance cover £20,000 £20,000 £30,000
Personal liability cover £3m £3m £3m

With Admiral travel insurance you also have the ability to tailor your travel insurance policy to suit your individual trip. If you are travelling on a winter sports holiday you will need to upgrade your travel insurance policy to include the winter sports travel insurance. The same applies if you are at any point in your trip travelling on a cruise. Failure to do so could result in a claim not being paid and you not being covered for your trip. Below we highlight the cover you can expect with the wintor sports and cruise travel insurance upgrades.

Winter sports travel insurance upgrade

Adding the winter sports travel insurance upgrade to your travel insurance policy will ensure that not only are you covered for any lost or stolen baggage and emergency medical treatment expenses you will also be covered for loss of your winter sports equipment and any potential problems that may arise associated with your winter sports holiday, such as piste closure or delays that are caused by an avalanche. The following table shows what level of cover you can expect with an admiral winter sports travel insurance upgrade.

Admiral Admiral Gold Admiral Platinum
Excess £100 £75 £50
Lost, stolen or damaged equipment £500 £750 £1,000
Piste closure £20 (max £200) £20 (max £200) £20 (max £200)
Ski pack cover due to illness (covers costs for equipment, lift passes etc) £500 (max £250 per week) £500 (max £250 per week) £500 (max £250 per week)
Travel & accommodation caused by avalanche delay £200 £200 £200
Replacement equipment hire (per 24 hours) £25 (max £250) £25 (max £250) £25 (max £250)

Cruise travel insurance upgrades

Admiral's cruise travel insurance upgrade will ensure you are covered for any cruise-related problems whilst on your trip. You will be covered for the regular emergency, medical and lost belongings insurance on your standard travel insurance policy but it will also cover you for any problems that may arise whilst on a cruise, such as a missed port departure or cabin confinement due to being unwell.

With an admiral cruise travel insurance upgrade you can expect to be covered for the following:

  • Missed port departure
  • Cruise cabin confinement
  • Unused excursions
  • Cruise interruption

How much cover you can expect will vary depending on the policy you have chosen and will be detailed in your policy documents.

Gadget cover

You get basic personal items cover with an Admiral travel insurance policy but it is possible to increase this cover for your personal items increasing your claim limit by £1,000. This additional cover will ensure a maximum of 3 extra gadgets up to £500 for each item. Gadget cover will insure your item in the event that it is lost, stolen or damaged during your trip.

Golf cover

You can get additional coverage for your policy to cover any lost, damaged or stolen golf equipment with an additional Golf cover policy. You can also get cover for green fees. The cover can be added in the quotes section of the website and comes at an additional cost.

Does Admiral travel insurance cover covid-19?

If you take out a new Admiral travel insurance policy you will be covered for specific covid-19 related claims. We detail what you can expect to be covered for below but for full details on what you are and are not covered for, check your policy documents carefully.

Admiral will cover the following covid-19 related claims:

  • Emergency medical and repatriation if you fall ill with covid-19 whilst you are away
  • Cancellation or cutting short your trip if you test positive for covid-19 within 14 days of travel
  • If you are refused boarding due to a positive covid-19 test
  • Claims for pre-booked excursions if you are unable to attend due to self-isolation because of a positive covid-19 test whilst on your holiday
  • If you are unable to travel due to a close relative being hospitalised with covid-19 within 14 days of your travel date
  • If you have to cut your trip short due to a close relative being hospitalised with covid-19

You will not be covered for any covid-19 related claims if you:

  • Are travelling against FCDO advice
  • Had reason to believe your trip may be cancelled/postponed/cut short when you booked it (e.g you were waiting for a covid-19 test result)
  • Are cancelling your trip because you have been notified to self-isolate due to covid-19 exposure (e.g by NHS track and trace) and therefore cannot travel
  • Cannot travel due to government restrictions including the inability to travel or local lockdowns

Does Admiral travel insurance cover pre-existing medical conditions?

Admiral travel insurance aims to cover most pre-existing conditions if you declare them when you take out your policy. Admiral defines a pre-existing condition as a condition that you have symptoms of, are having tests for, has previously been diagnosed or are currently receiving treatment for.

When completing the online quote for your policy, Admiral travel insurance will notify you if your pre-existing condition is covered. If Admiral is unable to offer cover for your pre-existing condition, you may need to seek cover from a specialist provider. More information on travel insurance providers that cover pre-existing conditions can be found on the Money Helper website.

It is important to notify Admiral travel insurance if you are diagnosed with any new medical conditions after taking out your travel insurance policy as this could affect your cover.

If you have previously tested positive for covid-19 you will need to declare this on your Admiral travel insurance policy.

Admiral travel insurance policy exclusions

Below we detail some of the policy exclusions you can expect on an Admiral travel insurance policy. This list is not extensive, however, so you will need to check your policy documents carefully so you know exactly what you are covered for.

A standard Admiral travel insurance policy will not pay out claims for the following:

  • Policy excess
  • Travel against FCDO advice
  • Travel against doctors advice
  • Travel abroad to receive medical treatment
  • Pre-existing conditions unless declared when purchasing the policy
  • Claims involving quad bikes or all-terrain vehicles where you were the driver or passenger
  • Winter sports or cruises unless you have the relevant upgrade on your policy

Is there an age limit on Admiral travel insurance policies?

Travellers can be insured on an Admiral travel insurance policy up to the age of 70 years old. If you wish to add a winter sports travel pack onto your Admiral travel insurance policy there is an age limit of up to 65 years old.

How much does Admiral travel insurance cost?

In this section of the review we compare the costs of an Admiral travel insurance policy. How much you pay for your travel insurance policy depends on numerous factors including your age, the travel destination, policy type and whether you have any pre-existing health conditions.

For the following quotes, we compare the cost of single and annual multi-trip policies to Europe. The single trip policies are for a period of 7 days and the individual has no underlying health conditions. We compare the cost of a range of ages. You can get an Admiral travel insurance policy up to the age of 70 years old.

Admiral European single trip travel insurance policy cost comparison

Admiral Admiral Gold Admiral Platinum
Policy excess £100 £75 £50
Emergency medical £10m £15m £20m
Cancellation or curtailment due to illness £1,000 £2,500 £5,000
Personal belongings £1,000 £1,500 £2,500
Individual trip length 365 days 365 days 365 days
European single trip individual cost 20-year-old £16.56 £25.77 £28.35
European single trip individual cost 30-year-old £7.69 £11.96 £13.16
European single trip individual cost 40-year-old £7.25 £11.29 £12.42
European single trip individual cost 50-year-old £8.84 £13.75 £15.13
European single trip individual cost 60-year-old £10.52 £16.37 £18.01
European single trip individual cost 70-year-old £21.17 £32.95 £36.25

(Quotes correct as of 17/11/21)

Admiral European annual multi-trip travel insurance policy cost comparison

Admiral Admiral Gold Admiral Platinum
Policy excess £100 £75 £50
Emergency medical £10m £15m £20m
Cancellation or curtailment due to illness £1,000 £2,500 £5,000
Personal belongings £1,000 £1,500 £2,500
Individual trip length 31 days 31 days 31 days
European annual multi trip individual cost 20-year-old £19.04 £29.63 £32.59
European annual multi-trip individual cost 30-year-old £12.79 £20.47 £24.17
European annual multi-trip individual cost 40-year-old £13.48 £21.56 £25.45
European annual multi-trip individual cost 50-year-old £15.05 £24.08 £28.43
European annual multi-trip individual cost 60-year-old £17.16 £27.45 £30.79
European annual multi-trip individual cost 70-year-old £39.20 £62.71 £70.34

(Quotes correct as of 17/11/21)

Admiral travel insurance policy excess

There is a policy excess payable per person, per claim on an Admiral travel insurance policy. The excess payable on an Admiral travel insurance policy reduces depending on which Admiral travel insurance policy you have e.g. the more comprehensive your policy the lower the policy excess. The policy excess is £100 for an Admiral policy, £75 on an Admiral Gold policy and £50 on an Admiral Platinum policy.

There is the opportunity to waive the excess on your Admiral travel insurance policy if you purchase the excess waiver add-on. This will come at an additional cost and will therefore increase the cost of your travel insurance premium however it does mean that in the event of a claim you will not have to pay a policy excess.

How to claim on Admiral travel insurance

If you need to make an emergency medical claim on your Admiral travel insurance policy you can call the 24-hour emergency helpline on 0292 010 7777. You will need to notify Admiral if you have a medical emergency and medical expenses are likely to cost over £500 or if you need to cut your trip short.

With other claims you can start your Claim online via its online claims portal or alternatively call 03332 349914.

Admiral travel insurance customer reviews

Admiral has a Trustpilot rating of 3.2 out of 5.0 stars from over 9,000 customer reviews. 54% of customers have rated it as 'Excellent' with 28% rating it as 'Bad'. Admiral's customer reviews on Trustpilot include Admiral Insurance as a whole and are not specific to its travel insurance policies.

Those that have rated Admiral travel insurance policies as 'Bad' highlight problems with customer service and long hold times on the phone. Some also shared annoyance at their travel insurance policies auto-renewing for the following year which is something to look out for when taking out an annual multi-trip policy.

Those that have rated Admiral travel insurance as 'Excellent' have praised the claims process and those that did get through on the phone said that they experienced good levels of customer service.

Admiral travel insurance pros and cons

Admiral travel insurance pros

  • Up to £20million emergency medical cover
  • Policy excess waiver add on
  • Travel insurance for travellers aged up to 70 years old
  • Golf, winter sports and cruise cover

Admiral travel insurance cons

  • Annual multi-trip policy auto-renews so you will need to remember to cancel if you do not want this to happen
  • No backpacker or long-term trip cover for trips over 365 days
  • No cover if you have to self isolate before your trip due to covid-19

Alternatives to Admiral travel insurance

In this section of the review we compare Admiral travel insurance to its competitors. We compare the cost of the most comprehensive travel insurance policies. The quotes are based on an individual aged 30 years old with no underlying health conditions on a 7 night trip to Spain in Europe.

If you would like more information on the travel insurance policies you can read our independent travel insurance reviews:

You can also easily and quickly compare travel insurance policies with comparison sites such as MoneySuperMarket*, Compare the Market or GoCompare. Comparison sites allow you to compare a range of travel insurance policies to find the best and cheapest policy for your needs. However, using a comparison site to find your travel insurance policy may mean that you may be getting the best deal as comparison sites aren't always whole of market.

Admiral travel insurance vs Staysure travel insurance

Admiral Staysure
Policy name Platinum Comprehensive
Excess £50 £65
Emergency medical cover £20m Unlimited
Cancellation cover £5,000 £5,000
Lost or stolen baggage £2,500 £2,500
European 7 night single trip travel insurance policy cost (30 year old) £13.16 £12.99

(Quotes correct as of 17/11/21)

Admiral travel insurance vs LV= travel insurance

Admiral LV=
Policy name Platinum Premier
Excess £50 £90
Emergency medical cover £20m £10m
Cancellation cover £5,000 £10,000
Lost or stolen baggage £2,500 £3,000 (optional extra included)
European 7 night single trip travel insurance policy cost (30 year old) £13.16 £27.80

(Quotes correct as of 17/11/21)

Summary

Overall, Admiral travel insurance offers a good choice of travel insurance policies at a reasonable price. It does offer cover for coronavirus related claims although you may find better cover for covid-19 with other insurers. Its £20m of emergency medical cover is good but it is possible to get more emergency medical cover with other insurers. Admiral travel insurance may however be appealing to those over the age of 60 with insurance policies for travellers aged up to 70 years old.

 

 

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