Southdowns travel insurance review

8 min Read Published: 17 Mar 2022

southdowns travel insurance logoTravel insurance is designed to cover any unexpected problems that may arise whilst on your holiday. In this review, we take a look at Southdowns travel insurance, including what it covers, how much it costs and how to make a claim. 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 Southdowns travel insurance?

Southdowns is an insurance intermediary that is regulated by the Financial Conduct Authority (FCA). Southdowns travel insurance policies are underwritten by Inter Partner Assistance which is part of the AXA Group.

Southdowns travel insurance key features

  • Single and annual multi-trip travel insurance
  • Aims to cover most pre-existing medical conditions
  • Coronavirus cover
  • Online claims process
  • Up to £20million emergency medical and repatriation costs
  • 5 star Defaqto rating for Gold and Platinum policies

Southdowns travel insurance policies

Single trip travel insurance

Single trip travel insurance is designed to cover an individual, couple or family for a single trip on holiday for a set amount of days. Southdowns single trip travel insurance will cover trips for those aged up to 75 for up to a maximum of 90 days depending on the policy you have chosen. Single trip travel insurance is good for those who go away a few times a year. If you are a more frequent traveller you may wish to look at a Southdowns Annual multi-trip travel insurance policy.

Annual multi-trip travel insurance

Annual multi-trip travel insurance is good for more frequent travellers as it is designed to cover multiple trips away in a policy year. This can make it more cost-effective than numerous single trip travel insurance policies. A Southdowns annual multi-trip travel insurance policy will cover travellers aged up to 65 for up to 31 days per trip. Southdowns annual multi-trip travel insurance will insure couples and families, as well as individuals.

What does Southdowns travel insurance cover?

In this section of the review, we highlight the levels of cover you can expect with a Southdowns travel insurance policy. Exactly what you are covered for is detailed in your policy documents so you will need to read these carefully so you know exactly what you are covered for. Southdowns travel insurance offers more cover for its more comprehensive Platinum insurance such as hijack and catastrophe cover.

Southdowns travel insurance policy

Bronze Silver Gold Platinum
Excess £100 £50 £50 £50
Emergency medical expenses  £20m £20m £20m £20m
Cancellation £1,500 £2,000 £3,000 £6,000
Baggage £1,750 £1,750 £2,000 £3,500
Personal accident £10,000 £20,000 £20,000 £30,000
Passport & visa  £500 £500 £600 £650
Missed departure cross £1,000 £1,000 £1,000
Delayed departure cross £200 £300 £350
Abandonment cross £2,000 £3,000 £6,000
Airline financial failure cross cross cross £1,500
Personal liability  £2m £2m £2m £2m

Does Southdowns travel insurance cover Covid-19?

Southdowns travel insurance includes some coronavirus cover and we summarise what you can expect to be covered for below, although this list is not exhaustive. It is important that you check your policy documents carefully to ensure that you know exactly what is covered. If you need to make a claim in relation to covid-19 you will be required to provide a medical certificate, an official covid-19 positive test result and evidence for the need to self-isolate (if applicable).

Southdowns travel insurance includes the following coronavirus cover: 

  • Cancellation due to testing positive with covid-19 and being unable to travel
  • Cancellation because you have to self-isolate and therefore cannot travel
  • Cutting your trip short due to a close relative falling ill with covid-19 in the UK
  • Emergency medical treatment as a result of covid-19 whilst abroad
  • Cover for additional accommodation or transport expenses as a result of a positive covid-19 test before you are due to travel home which means you have to self-isolate or quarantine in your travel destination

Does Southdowns travel insurance cover pre-existing medical conditions?

Southdowns travel insurance has a medical screening process when you generate a quote, which allows you to see if your particular medical condition will be insured on the policy. If you have a pre-existing medical condition that you have received treatment for or taken regular medication for in the past two years then you are only able to take out a Silver, Gold or Platinum policy. If Southdowns travel insurance is unable to offer you cover for your pre-existing condition then you may have to seek specialist cover. Money Helper, formally known as the Money Advice Service, has a list of specialist medical travel insurance providers on its website.

It is important that you declare all pre-existing medical conditions as failure to do so can result in your policy being cancelled and a claim not being paid.

Is there an age limit on Southdowns travel insurance?

Single trip Southdowns travel insurance policies can only be purchased by travellers aged up to 75 years old. Annual multi-trip travel insurance policies with Southdowns travel insurance have an age limit of 65 and are therefore not available to anyone aged 66 and over.

Southdowns travel insurance policy exclusions

In this section of the review, we list some of the policy exclusions on a Southdowns travel insurance policy. This list is not a comprehensive list and so it is best to read your policy documents carefully so you know exactly what is and isn't covered.

Southdowns travel insurance policy exclusions: 

  • Policy excess
  • Participation in any winter sports
  • Claims related to excess alcohol consumption that results in impaired judgement
  • Travel against FCDO advice
  • Travel against medical advice
  • Cancellation claims due to a regional quarantine

How much does Southdowns travel insurance cost?

In the following comparison tables, we compare the cost of Southdowns travel insurance policies. How much you pay for your travel insurance policy varies depending on your age, the trip duration, the trip destination and whether you have any pre-existing medical conditions. For the purpose of these quotes, we have compared the cost of a healthy individual travelling to Europe. The single trip policy quotes are for a 7-day trip abroad.

Southdowns single trip travel insurance policy cost comparison

Bronze Silver Gold Platinum
Excess £100 £50 £50 £50
Emergency medical expenses  £20m £20m £20m £20m
Cancellation £1,500 £2,000 £3,000 £6,000
Baggage £1,750 £1,750 £2,000 £3,500
Single trip limit  31 days 60 days (reduces to 31 for those over 61) 90 days (reduces to 31 for those over 61) 90 days (reduces to 31 for those over 61)
European single trip policy cost (20-year-old) £9.10 £11.48 £12.64 £44.54
European single trip policy cost (30-year-old) £9.08 £11.44 £12.59 £44.41
European single trip policy cost (40-year-old) £8.45 £10.68 £11.79 £41.59
European single trip policy cost (50-year-old) £8.45 £10.70 £11.79 £13.23
European single trip policy cost (60-year-old) £9.69 £12.40 £13.69 £15.39
European single trip policy cost (70-year-old) £17.16 £22.13 £24.62 £27.98

(Quotes correct as of 17/03/22)

Southdowns annual multi-trip travel insurance policy cost comparison

Bronze Silver Gold Platinum
Excess £100 £50 £50 £50
Emergency medical expenses  £20m £20m £20m £20m
Cancellation £1,500 £2,000 £3,000 £6,000
Baggage £1,500 £1,500 £2,000 £3,500
Individual trip limit  24 days 31 days 31 days 31 days
European annual multi-trip policy cost (20-year-old) £12.10 £15.11 £60.13 £63.04
European annual multi-trip policy cost (30-year-old) £12.60 £15.26 £22.50 £30.42
European annual multi-trip policy cost (40-year-old) £12.60 £16.99 £22.50 £30.87
European annual multi-trip policy cost (50-year-old) £12.60 £21.11 £28.07 £35.02
European annual multi-trip policy cost (60-year-old) £24.90 £33.02 £63.15 £76.06
European annual multi-trip policy cost (70-year-old)* N/A N/A N/A N/A

*Not available to travellers 66 and over 

(Quotes correct as of 17/03/22) 

Southdowns travel insurance policy excess

There is a policy excess payable on some claims with a Southdowns travel insurance policy and the excess is payable per person insured on the policy. How much you have to pay varies depending on the type of policy you have, and the more comprehensive your Southdowns travel insurance policy, the less excess you will have to pay.

There is no excess payable for emergency medical and repatriation claims with a Southdowns Platinum policy

How to claim on Southdowns travel insurance

If you wish to make a claim on a Southdowns travel insurance policy you can do so via the online claims portal with AXA. You will need to provide proof of travel, proof of the claim event and any invoices or receipts. You can also telephone 0345 873 4425 to make a claim.

If you need emergency medical assistance the telephone number is 0203 280 3688.

Southdowns travel insurance customer reviews

Southdowns travel insurance has a Trustpilot rating of 4.6 out of 5.0 stars from over 2,500 reviews. 75% of customers have rated it as 'Excellent' citing good value for money and an easy to use website. 4% of customers have rated Southdowns travel insurance as 'Bad' citing a lengthy claims process and problems getting hold of a claims team or customer services.

Southdowns travel insurance pros and cons

Southdowns travel insurance pros

  • Up to £20m emergency medical and repatriation cover
  • Southdowns aims to cover most pre-existing medical conditions declared during the quotation process
  • Coronavirus cover
  • Platinum and Gold policies have a 5 star Defaqto rating

Southdowns travel insurance cons

  • Age limits on both single and annual multi-trip policies apply (age limit is lower on annual multi-trip policies)
  • No winter sports cover

Alternatives to Southdowns travel insurance

Below, we compare Southdowns travel insurance to some of its competitors. We compare the cost of the most comprehensive Southdowns travel insurance policy to the most comprehensive travel insurance policy from Coverwise and Staysure. For the comparison, the quotes are based on a 30-year-old individual with no underlying health conditions travelling to Europe for 7 days. To find out more about Coverwise and Staysure travel insurance you can read our travel insurance reviews:

You may also wish to look for travel insurance using a comparison site such as MoneySuperMarket* or Compare the Market*. A comparison site allows you to compare the best and cheapest travel insurance policies for your trip and you can compare a range of travel insurance providers. One thing to consider, however, is that most comparison sites are not whole of market and this could mean that you may get a better deal elsewhere.

Southdowns travel insurance vs Coverwise travel insurance

In the comparison table below, we compare Southdowns to Coverwise travel insurance. Southdowns and Coverwise travel insurance are underwritten by the same insurer, Inter Partner Assistance which is part of the AXA group. Because of this, we have compared the same policies with each provider to see if there is a difference in cost for what is essentially the same cover.

It is worth noting, however, that with Southdown travel insurance there is the opportunity to get a quote for Platinum cover which is something that is not available when running a quote with Coverwise, despite it being mentioned on the Coverwise website.

More information can be found in our Coverwise travel insurance review.

Southdowns  Coverwise 
Policy name Gold Gold
Policy excess £50 £50
Policy underwriter Inter Partner Assistance Inter Partner Assistance
Emergency medical cover  £20m £20m
Cancellation  £3,000 £3,000
Baggage cover  £2,000 £2,000
7-night single trip European policy cost (30-year-old)  £12.59 £14.48

(Quotes correct as of 17/03/22)

Southdowns travel insurance vs Staysure travel insurance

The following comparison table compares Southdowns travel insurance to Staysure travel insurance. Staysure has unlimited emergency medical cover compared to £20million with Southdowns. Southdowns has higher cancellation and baggage cover but this does come at a higher cost than Staysure's single trip policy. Southdowns travel insurance is underwritten by Inter Partner Assistance and Staysure's travel insurance is underwritten by Great Lakes Insurance SE.

More information on Staysure travel insurance can be found in our Staysure travel insurance review.

Southdowns  Staysure 
Policy name Platinum Comprehensive
Policy excess £50 (£0 for medical claims) £65
Policy underwriter Inter Partner Assistance Great Lakes Insurance SE
Emergency medical cover  £20m Unlimited
Cancellation  £6,000 £5,000
Baggage cover  £3,500 £2,500
7-night single trip European policy cost (30-year-old)  £44.41 £12.42

(Quotes correct as of 17/03/22)

Summary

Overall Southdowns has a good range of travel insurance policies for your trip abroad and offers a decent amount of emergency medical cover at £20million. One of its drawbacks is that it does not offer cover for any winter sports so would not be suitable if you were travelling on a winter sports holiday. The cost of Gold and Platinum annual travel insurance policies for someone who is 20 years old is also expensive compared to those aged between 30-50 years old, so, as with all travel insurance policies it is best to shop around to ensure you are getting the best deal.

 

 

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