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Admiral Travel Insurance Review – Forbes Advisor UK

Who are Admiral?

Admiral was founded in 1993 as a car insurance provider, expanding into home insurance in 2012 and travel insurance in 2017. The provider also offers pet insurance and multi-cover insurance for car and home.

Headquartered in Cardiff, Admiral employs 11,000 staff across eight countries. It has more than a million home insurance customers and has insured over four million cars.

Admiral is a trading name of EUI Limited which is authorized and regulated by the Financial Conduct Authority. Travel policies are underwritten by Admiral (Gibraltar) Limited.

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Why should I consider Admiral?

Admiral offers single trip (up to 365 days) and annual multi-trip (up to 31 days per trip) travel insurance policies. Their travel insurance is available to applicants aged between 18 to 65 (in addition to children), although pre-existing medical conditions must be declared.

The insurer offers three levels of cover: Admiral, Admiral Gold and Admiral Platinum. The level you choose determines your policy excess and overall cover limits. For example, Admiral Single Trip cover comes with an excess of £100, compared to £50 for Admiral Platinum.

Admiral’s single and annual policies cover emergency medical and repatriation costs, canceling or cutting short your trip, personal belongings, missed departure, travel delay or abandonment, money and travel documents, personal accident, personal liability and legal assistance.

Admiral’s Covid-19 cover includes:

  • Trip cancellation if you (or a named travel companion on your policy) are diagnosed with Covid within 14 days of departure
  • Cutting short your trip because you’re denied boarding on your pre-booked outbound travel due to Covid symptoms
  • Cancellation of a pre-booked excursion if you’re required to self-isolate by a government authority because you contracted Covid while on your trip
  • Emergency medical and repatriation costs if you become ill with Covid while abroad and have to self-isolate.

However, it does not cover:

  • If you had Covid symptoms or reason to believe you might have Covid when you booked your trip, purchased the policy or started your trip
  • Cancelling, cutting short your trip or being unable to continue with your trip or pre-booked excursion because you’re required to self-isolate due to potential exposure to Covid (except for specified reasons)
  • If you travel against Foreign Commonwealth and Development Office (FCDO) advice, or the FCDO changes its advice regarding your destination or countries you will transit through
  • Travel restrictions or quarantine imposed by a public authority.

Admiral also offers add-on cover for cruises, winter sports, golf equipment, gadgets and excess waiver.

Policyholders can call a 24/7 emergency medical assistance helpline. Finally, Admiral’s Platinum policies are rated five-stars by Defaqto.

How to contact Admiral

Customers with travel insurance queries can contact Admiral by phone between 9am and 5pm Monday to Friday. Phone lines are closed on Saturdays and Sundays.

Admiral also offers a live chat service between 9am and 5pm on Monday to Friday (but not at weekends). Customers can also manage their travel policy online through the Admiral Travel Portal, including making changes to their policy and registering claims.

Alternatively, Admiral can be found on Twitter as @AdmiralUK and on Facebook.

How to find the best cover for you

Affordability should be considered alongside other factors to ensure you get the best protection. Choosing the cheapest policy may put you at risk of being underinsured.

According to data from our travel insurance partner CYTI, the majority (85%) of travel insurance claims are for overseas medical treatment and cancellation of trips. The remaining portion is made up of claims for lost baggage and possessions, as well as travel disruption and delayed departures.

When comparing policies, always check the level of cover carefully so that you know how much cover is included for the most common claims.

As Covid-19 continues to affect international travel, it’s also important to check how your policy handles Covid-related risks. Take a look at our Best Covid-19 Travel Insurance Policies page for more information.

Why it makes sense to compare policies and providers

Travel insurance is a competitive market, with insurers looking to win your business. This can be used to your advantage by shopping around for the best deal and not automatically renewing if your annual multi-trip cover is coming to an end.

When looking for the best policy, it’s also worth looking for reviews on sites such as TrustPilot to see how existing policyholders rate their cover and customer service.

Defaqto also gives star ratings to travel insurance providers (with a maximum of five stars) which can be a good indication of the service offered.

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