Post Office travel insurance review

21 min Read Published: 16 Sep 2021

Post Office travel insurance review

Travel insurance is an essential addition to your holiday as it can cover the cost of unexpected expenses that may occur whilst you are away. You may also be able to claim for lost or stolen baggage and cancellation of your trip if you are unable to travel. In this independent review we take a look at the Post Office's travel insurance policies. We recommend that you read the review in full but you can jump to specific sections using the following links:

What is Post Office travel insurance?

The Post Office travel insurance offers single, annual and backpacker insurance. Post Office travel insurance is underwritten by Great Lakes Insurance SE and the insurance is administered by Collinson Insurance Services Ltd. The Post Office also offers a host of other financial products such as life insurance, mortgages and credit cards.

Post Office travel insurance key features

  • Range of travel insurance policies to choose from
  • Three different levels of cover: Economy, Standard, Premier
  • Coronavirus related cover
  • Backpacker cover for individuals up to 60 years old
  • Pre-existing conditions cover (some serious conditions may need cover from specialist providers)
  • Optional extras including cover for Winter sports, Gadgets and Golf
  • 10% Student discount with a Student Beans account
  • Post Office Travel Insurance app

Post Office travel insurance policies

The Post Office offers a range of travel insurance policies and we explain the different types in more detail below.

Single Trip travel insurance

Single trip travel insurance will insure you for one trip for a set period of time. There is no upper age limit with the Post Office’s single trip policy and you can expect cover for emergency medical expenses and repatriation, lost baggage and cancellation of your trip.

With the Post Office you can get cover for a single trip for up to 365 days if you are aged up to 70 years old. The maximum single trip lengths reduce to 90 days for those aged between 71 and 75 and then to 31 days for those aged between 76 and 85.

Single trip travel insurance is ideal for those who only holiday once or twice a year.

Annual multi-trip travel insurance

Annual multi-trip travel insurance will insure you for multiple trips throughout a 12 month period and is therefore great if you are a frequent traveller. A Post Office annual policy includes cover for emergency medical expenses, cancellation of your trip and lost or stolen baggage. Children can be covered on a family policy at no additional cost and this includes if they travel with another adult without you.

Post Office annual policy has an individual trip limit of 17 or 31 days depending on the type of policy you choose. This can, however, be extended with an add-on which can be purchased at an additional cost.

Backpacker travel insurance

Backpacker travel insurance is great for long term one-off trips that last up to 18 months. You also have the option to return home 3 times for up to 7 days throughout the period of insurance. Post Office Backpacker travel insurance covers you for emergency medical expenses when abroad, lost belongings and a range of sporting activities including shark cage diving.

Backpacker insurance with the Post Office will insure travellers from the age of 18 to the age of 60, compared to Virgin Money who only offer backpacker insurance to those aged 39 and under.

If you are a student looking to take a gap year you may benefit from a student discount on your travel insurance policy by entering a discount code via Student Beans.

Optional extras

With the Post Office travel insurance policies, you have the option to enhance your cover with the following add-ons. These will come at an additional cost.

Ski & Winter sports

If you are going away to take part in any winter sports activity you will need to add winter sports cover onto your insurance policy. Winter sports travel insurance does not just provide cover for skiing and snowboarding. It can also cover additional winter sports activities such as ice-skating or husky-dog sledding, cover for lost or damaged equipment and piste closure.

Cruise cover

Cruise cover covers you for specific cruise-related events such as cabin confinement due to illness whilst away on your trip. You are also covered for missing a port stop, missing the cruise departure and cruise interruptions costs.

Gadget cover

Gadget cover allows you to increase the maximum insurable amount of your valuables, such as your tablet, mobile phone and laptop, up to £1,000.

Golf cover

Golf cover is an optional add on to your travel insurance policy and provides cover against golf-related injuries, equipment loss and theft and personal liability in the event you cause an injury to someone or damage property.

Enhanced Trip Disruption cover

Enhanced trip and disruption cover can allow you to claim for disruption travel and accommodation expenses you may have incurred whilst delayed for at least a day or more. You can also get cover for any additional costs you have paid upfront if you have been delayed for 24 hours or more.

Natural catastrophe and terrorism cover

Get cancellation cover if a natural catastrophe or terrorist-related event occurs near where you are due to stay within 7 days of travel. You can also get cover for any disruption caused if you are already on your way abroad and if you choose to abandon your trip after at least a 24-hour delay.

It is worth remembering that you will not be covered if you travel against FCDO advice so you would need to check this before you travel.

What does Post Office travel insurance cover?

In the below comparison table we have highlighted some of the levels of cover you can expect with a Post Office travel insurance policy. Check and read your policy documents carefully so you know exactly what is and isn't covered by your policy.

Economy Standard Premier
Excess* £125 £100 £50
Emergency medical expenses £2m £5m £10m
Cancellation  £1,000 £3,000 £5,000
Trip cut short £1,000 £3,000 £5,000
Lost or stolen baggage  £1,000 £1,500 £2,000
Delayed departure cross £300 (£20 per 12 hours) £400 (£20 per 12 hours)
Missed departure  cross £750 £1,000
Personal money & passport  £250 £250 £350
Personal liability  £2m £2m £2m

*Excess may vary depending on what you are claiming for

Post Office optional extras

In the below comparison table we share the cover you can expect with the optional Post Office travel insurance policy add-ons. For more information about the different add-ons and the level of cover you can expect, refer to your policy documents.

Winter sport cover

  Economy Standard Premier
Ski equipment  £500 £500 £1,000
Ski pack  £300 £300 £400
Ski Equipment hire  Max £250 Max £250 Max £500
Piste closure Max £200 Max £200 Max £300
Avalanche closure Max £150 Max £250 Max £350

Cruise cover

  Economy Standard Premier
Missed departure  £1,000  £1,000  £1,000
Missed port   Max £300  Max £300 Max £500
Cruise interruption   £1,000  £1,000 £1,000
Evening dress hire  £75  £75 £100

Golf cover

Economy  Standard Premier 
Golf equipment  Not available £1,000 £1,000
Golf equipment hire Not available £350 £350
Non-refundable golfing fees Not available £400 £400
Hole in One Not available £50 £75

Does Post Office travel insurance cover Covid-19?

If you have a Post Office travel insurance policy you will be covered for some coronavirus related claims and we detail those below. For more information on coronavirus and travelling abroad you may wish to read the following articles:

Coronavirus cover with the Post Office includes the following:

  • Cancellation cover if you test positive for covid-19 within 14 days of travelling
  • Cancellation and curtailment cover if a close relative passes away from covid-19
  • Cover if you test positive for covid-19 at the departure gate and are therefore unable to travel
  • Cover if you miss your departure whilst you await test results (excluding Economy policies)
  • Cover if your trip is cut short as you have tested positive for covid-19 upon arrival at your destination
  • Emergency medical and repatriation expenses

It is worth noting that most travel insurance policies will not pay out if you travel against FCDO advice

Does Post Office travel insurance cover pre-existing medical conditions?

Post Office travel insurance offers a screening service when taking out a policy to see if it can cover any pre-existing medical conditions you have. The Post Office says that it offers cover for common pre-existing medical conditions such as asthma, diabetes and high blood pressure. Post Office travel insurance may not be able to cover some serious medical conditions, in this case, you may be better off looking for travel insurance with a specialist provider. More information on these providers can be found on the Money Advice Service website.

Post Office travel insurance policy exclusions

In this section of the review, we highlight some of the general policy exclusions with a Post Office travel insurance policy. This list is not extensive so be sure to check your policy documents carefully to know exactly what is and isn't covered.

A typical Post Office travel insurance policy will not cover you for the following:

  • The policy excess
  • If you are travelling against the advice of a medical professional
  • Claims related to excessive alcohol use or drug abuse
  • Travel against FCDO advice

How much does Post Office travel insurance cost?

In this section of the review, we take a look at the cost of a Post Office travel insurance policy. The following quotes are based on an individual of different ages travelling to Europe with no underlying health conditions.

The Post Office single trip policy cost comparison

Economy Standard Premier 
Policy Excess £125 £100 £50
Medical expense cover  £2m £5m £10m
Cancellation cover £1,000 £3,000 £5,000
Baggage cover  £1,000 £1,500 £2,000
Individual trip limit  17 days 17 days 31 days
Single trip policy cover - Europe (20-year-old)  £26.64 £30.41 £37.84
Single trip policy cover - Europe (30-year-old)  £25.43 £29.03 £36.12
Single trip policy cover - Europe (40-year-old)  £24.89 £28.42 £35.35
Single trip policy cover - Europe (50-year-old)  £25.75 £29.40 £36.58
Single trip policy cover - Europe (60-year-old)  £32.52 £37.13 £46.20
Single trip policy cover - Europe (70-year-old)  £49.97 £57.05 £70.98

The Post Office Annual multi-policy cost comparison

Economy Standard Premier 
Policy Excess £125 £100 £50
Medical expense cover  £2m £5m £10m
Cancellation cover £1,000 £3,000 £5,000
Baggage cover  £1,000 £1,500 £2,000
Individual trip limit  17 days 17 days 31 days
Annual multi-trip policy cover - Europe (20-year-old)  £33.44 £44.51 £57.74
Annual multi-trip policy cover - Europe (30-year-old)  £35.20 £46.85 £60.78
Annual multi-trip policy cover - Europe (40-year-old)  £40.27 £53.60 £69.55
Annual multi-trip policy cover - Europe (50-year-old)  £42.85 £57.04 £74.00
Annual multi-trip policy cover - Europe (60-year-old)  £48.98 £65.20 £84.59
Annual multi-trip policy cover - Europe (70-year-old)  £84.10 £111.94 £145.22

The Post Office backpacker policy cost comparison

Economy
Policy Excess £125
Medical expense cover  £2m
Cancellation cover £1,000
Baggage cover  £1,000
Backpacker policy cover - Europe (20-year-old)  £374.57
Backpacker policy cover - Europe (30-year-old)  £362.69
Backpacker policy cover - Europe (40-year-old)  £375.07
Backpacker policy cover - Europe (50-year-old)  £383.96
Backpacker policy cover - Europe (60-year-old)  £451.55

Post Office travel insurance policy excess

How much you pay for your policy excess varies depending on the type of policy you choose as the excess amount owed if you make a claim reduces with the more comprehensive Post Office travel insurance policies. The policy excess for The Post Office's Economy policy is £125, compared to £100 for a Standard policy and £50 for a Premier policy. There is also the option to waive the excess owed with the Excess waiver add-on which is available at an additional cost.

How to claim on Post Office travel insurance

If you want to make a claim on your Post Office travel insurance policy the claims process varies depending on the letters that your policy number starts with. If your policy number starts with TC you can make a claim online 24/7 or alternatively you can call 0333 333 9702 or email [email protected].

If your policy starts with TE you can make an online claim here, or alternatively you can call 01403 330 233 or email [email protected].

Post Office travel insurance customer reviews

The Post Office travel insurance has a rating of 1.9 out of 5 stars from just 13 reviews on customer review site Trustpilot. Customers detailed problems with claims being paid and refunds for policy cancellations.

Post Office travel insurance pros and cons

Post Office travel insurance pros

  • Pre-existing conditions cover (some serious conditions may need cover from specialist provider)
  • Optional extras including cover for Winter sports, Gadgets and Golf
  • 10% Student discount with a Student Beans account
  • Post Office Travel Insurance app
  • No age limit on single trip and annual policies

Post Office travel insurance cons

  • Backpacker policies only have Economy level of cover
  • Individual trip limits on policies unless you pay for trip extensions

Alternatives to Post Office travel insurance

In this section of the review, we compare the Post Office's travel insurance policies to Virgin Money and Staysure's travel insurance.

Post Office travel insurance Vs Virgin Money travel insurance

The Post Office and Virgin Money offer similar travel insurance policies with additional extras to tailor your policy to your trip. The Post Office has a Golf cover add-on which is something that Virgin Money does not currently offer. Both travel insurance policies offer some coronavirus cover if you are travelling abroad and both insurers say they try to insure most pre-existing conditions. Virgin Money has an unlimited emergency medical expense offering with its Black policy compared to the Post Office's £10m emergency medical expense cover.

In the below comparison table we have compared the Post Office's most comprehensive travel insurance policy to Virgin Money's most comprehensive policy. The quotes are for a single trip policy based on a 30-year-old individual travelling to Europe with no underlying health conditions.

Post Office Virgin Money 
Excess £50 £0
Emergency Medical cover  £10million Unlimited
Cancellation cover £5,000 £7,500
Baggage  £2,000 £2,500
Single trip policy cost to Europe (30-year-old individual)  £36.12 £32.95

Post Office travel insurance Vs Staysure travel insurance

Both Staysure and the Post Office have a range of travel insurance policies to choose from with the options to add on cover for winter sports and cruises. The Post Office backpacker policy covers individuals up to the age of 60 whereas Staysure's long stay policy covers individuals up until the age of 75. Staysure's comprehensive policy offers unlimited emergency medical cover compared to the Post Office's £10m but Staysure does have a £65 excess on this policy compared to the £50 excess with the Post Office Premier policy.

In the below comparison table we compare the most comprehensive travel insurance policies from both Staysure and the Post Office. The quotes are based on a single trip policy to Europe for a 30-year-old individual with no underlying health conditions.

Post Office Staysure
Excess £50 £65
Emergency Medical cover  £10million Unlimited
Cancellation cover £5,000 £5,000
Baggage  £2,000 £2,500
Single trip policy cost to Europe (30-year-old individual)  £36.12 £12.99

Summary

Overall, the Post Office offers a good range of travel insurance policies and you are able to cater the policy to suit your trip so you are not paying for cover that you will not need. The Post Office has teamed up with Student Beans to offer 10% student discount which may be attractive if you are a student planning a gap year or a backpacking trip. The Post Office also has no age limit on its single trip and annual policies and as it aims to cover most pre-existing conditions it makes it attractive to those over the age of 65 wishing to travel. As with all travel insurance policies, it is important to read the policy documents carefully so you know exactly what you are covered for before you travel and it is always worth shopping around as you may be able to get similar or better cover at a lower cost.