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I experienced issues during my trip. How do I open a claim?

Please note, if you're currently traveling and your issue isn't being resolved by the onsite staff, please call us at  1-866-317-4711 for assistance. 

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Dreadful dreadful insurance

Dreadful dreadful insurance. Operated by Collinson insurance. Just had a very modest claim denied. Car was broken into and luggage stolen. We recovered most of it from neighbouring streets (discarded by the criminals) but despite having photos of broken window of car, police report, etc and not claiming for the hire car excess, they refused our small claim for missing items on the basis the items were left unattended (in a locked car!). We were a victim of crime and they refused the claim outright. Totally unacceptable - worthless insurance. Don’t bother.

Date of experience : 26 April 2024

Absolutely terrible

Absolutely terrible- I phoned them to check if we were covered as my husband lost his Apple earbuds. The person I spoke with started the claim so the assumption was that I was coveted. after hour on phone completing the claim I was advised we were not covered. Suggest they train their operatives and also provide listening skills!!! I also agree with other unhappy people about how rubbish cover is in relation to depreciation. Do not use this company.

Date of experience : 10 April 2024

Atrocious service, this must be a SCAM

Absolutely dire service, despite multiple e-mails, loads of attachments and two lengthy calls. I am still where I started. A simple loss of passport and delayed travel, all easily proven (receipts, new passport etc), sum total c £500 less excess is now becoming a pantomine. Four different contacts so far and very difficult language issues.

Date of experience : 18 April 2024

Broken toe before holiday!! Insurance rip off

Been insured with post office for quite a few years. Never claimed. Wasn't trying to claim but unfortunately my wife broke her toe a week before travel. Given all clear by Dr to travel but out of curtesy thought we'd better advise Post office. The net result of not cancelling our holiday and being honest resulted in £140 charge being added........ Needless to say we will not renew next year and would definitely advise anyone else to avoid them at all cost!! Just another insurance rip off!!

Date of experience : 16 April 2024

Terrible company tried to renew my…

Terrible company tried to renew my policy ! I finally got through on the phone and after answering questions for 50 minutes st the end the chap cut me off dead I re did everything then again the payment section was down then again went through everything and again 40 minutes later the payment section went down after 4 hours trying I was told twice on two occasions someone would ring me at a certain time and to my disappointment again nobody rang me absolutely terrible service !!!!

Date of experience : 11 April 2024

I actually feel traumatised after…

I actually feel traumatised after dealing with Collinsons and Lena Francis! My God! The woman should be a prison screw, not a customer facing. I lost some stuff on the carousel at Gatwick - someone picked up my cosmetics but left a gold bracelet and a sterling silver and amber ring. Obviously this was a mistake - no one steals someone else's electric toothbrush and leaves an 18carat gold bracelet. Amazingly, the bracelet was found. It has taken 11 months to get to a settlement and despite having provided receipts for EVERYTHING in there, I have been offered less than half of the claim. My Tom Ford Lipstick was discounted to £3 - why? Because Lena Francis unilaterally decided I must have used it 90%. When I spoke to her she said she would discount by 10% to 30%. I realise people make fraudulent claims - but when some of the stuff - the £500 bracelet and the £250 ring were returned, I think you can safely assume the cosmetics were actually lost. I obviously had to buy toothbrush etc when I got there and sent in the receipts. But no. 11 months later and still no payment. ELEVEN MONTHS!!! I chase every few days - this is a full time job How can a blue chip company like the post office use these claims handlers? It has been a thoroughly humiliating experience. AVOID!!!!!! On top of it Lena Francis who I am assuming is a biological woman took great pleasure is asking why a woman needs HRT and this s not covered - (why not? It was in the bag; I had the receipts received just days before leaving) Such ageism and institutional sexism is just disgraceful.

Date of experience : 13 April 2024

Collinson are shysters

They use Collinson to handle claims and they are total shysters - they lie , change their tune, make accusations which are false - absolutely to be avoided at all costs !!!

Date of experience : 02 October 2023

Total FAKE insurance

Total FAKE insurance, AVOID this organized, syndicated, and criminal scammers using Post Offices name. They don’t do anything at all. Don’t rely on them. If you can sue them to make them bankrupt.

Date of experience : 12 March 2024

Absolutley awful

Absolutley awful, wish I had read the Trust Pilot reviews before taking this out, they do NOT pay for any cancelled flights (cancelled due to to the airline, completely outside of our control), if the flight is internal or outbound to your destination! This was really not clear in the policy. APALLED that a trusted brand like the Post Office would use these underwriters. Terrible service, Im going straight back to Direct Line as soon as the policy runs out, they were a dream to deal with compared to these clowns.

Date of experience : 05 March 2024

Utterly Pointless - total rip off

Travel insurance with extra gadget cover. My bag was stolen from beside me in a cafe, but although it was literally next to me - it was classed as unattended and they refused to pay out. 3 months of pointless requests for "evidence" for nothing.... £6.5k worth of kit gone. £2.5k maximum allowed to be claimed. £0 money paid out Utter rip off - no use at all. (My camera insurance with another company paid out within 3 days for the same instance)

Date of experience : 06 November 2023

SCAM do not use Post Office Travel…

SCAM do not use Post Office Travel Insurance, this is underwritten by Collinson Travel Insurance who run their company from Nigeria. They have no intention of paying any claims, and make it very difficult for you. The claim website has specific drop down sections and if what you want to claim is not there then that’s it. Also after spending hours inputting claim, the errors appear and you lose the lot. They make sure that anything you claim for is not covered under your policy, even a cancelled flight. You cannot contact them on the phone. I lost £400. Really an utter waste of money, post office cannot be trusted either. You have been warned. Martin Lewis has been informed.

Date of experience : 28 January 2024

One star because I can't do none

One star because I can't do none. They repeatedly requested information I'd already sent, insisted on scanned documents not photos so had to get help, took over a month to get a phone call back. Said they couldnt read emails I was looking at perfectly well. When they did ring they were unprepared and unfamiliar with the claim. Then turned out I couldn't claim for a basic hotel despite being stranded in Paris overnight, READ THE SMALL PRINT DO NOT USE!

Date of experience : 01 January 2024

Cheap to purchase, but a costly mistake

Collinson handle the claims. In June I placed my claim I broke my back and doctors advised against flight. Collinson claim department changed the email address on 4 occasions I am on my fifth call handler. They deducted almost £400 in excess from my claim. One handler wanted a cancellation letter another wanted refund letter another wanted no show letter. One wanted the letters in word format another wanted all letters in PDF. Everything was to delay settlement, finally after 7 months and over 60 emails they have settled minus £400 excess. I will never use them again, they were a cheap option but please do not use these scam artist.

Date of experience : 10 June 2023

Poor service all round.

Received a note to say incorrect postage paid cost to me £2.50 Collected item it had 1st class stamp on it but not the most modern type, so the stamp had been paid for. We have had at least 6 deliveries not delivered to our address, an international letter, supposedly tracked but processed incorrectly and not tracked. Talked to the lady on collection and she has worked for the PO for 25 years and now uses Evri for her parcels as she cannot trust the Royal Mail. Is this a one way service street ?

Date of experience : 19 December 2023

Avoid Avoid Avoid

Currently my wife is trying to claim for an eye issue whilst in Jamaica. The claim is only for about £350. So far they have lost emails containing personal data, they continue to request documentation that has nothing to do with the claim and continue to be obstructive.

Date of experience : 16 February 2024

Terrible exchange rate

Exchanged money over the counter to Euros. Scandalously poor rate (1.05 per gbp) They are effectively taking a 10% cut. Avoid

Date of experience : 27 March 2024

How Complaints @ Collinsons turned…

How Complaints @ Collinsons turned things around! My 🌟 rating of Jan 23 review was more than Claims Service deserved. I paid some £1330 to clear debts to hospital and medical services in the US. I lodged a formal “complaint” and was about to send off to the ombudsman. At the last moment Complaints turned up with the goodies. I got the money in three bits thanks to the terrible Claims handling Service.

Date of experience : 25 April 2023

Terrible company

Terrible company. Avoid, avoid, avoid. So difficult trying to make a claim, keep asking for irrelevant and duplicated documents in the hope you will give up. Not what you expect from a household name who promises to deal with things quickly. Made a complaint to them too and was promised a reply within 5 days (still waiting 2 Months later).

Date of experience : 02 November 2023

Had Post Office travelinsur - so let down

Had Post Office travel insurance as it’s a brand I trust and I won’t skimp on cheap insurance especially when abroad While in Barcelona I was robbed of my gold necklace Police involved over all horrible experience I thought at least im insured! When I returned called PO insurance they couldn’t be less helpful Told me my £1000 necklace was worth less than £100 scrap value so less than my excess No amount of discussions helped Was so upset and typical behaviour from a poor insurance company I expected more from Simon

Date of experience : 23 April 2023

Gave up in the end

Obtained quote easily then spoke to Customer Service who told me as we have a reciprocal agreement with Guernsey I would be treated under the NHS if on the Island. Wrong !! Fortunately I checked with the Guernsey Tourist Board but decided to purchase the policy anyway. Despite my payment being declined (hence no documents) it was in fact taken four times . Attempted after a long wait to explain the problem to customer service who didn't take on board the problem saying I could pay online The only saving grace was that the complaints department refunded me the payments immediately I have now gone elsewhere

Date of experience : 26 February 2022

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Complaints about travel

If you have a complaint about travel by air, land, or sea, find out where to share your complaint to get the problem resolved.

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• Begin by sharing your complaint with the front desk, manager, or customer service line.
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LAST UPDATED: December 7, 2023

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Send your letter to: Australia Post Customer Sales and Service GPO Box 9911 MELBOURNE VIC 3001

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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We want you to be completely happy with our service and products, but we appreciate things can sometimes go wrong. If you have a complaint please contact the appropriate business unit with your telephone number and policy number in the first instance so that we can resolve matters quickly. Otherwise please use the contact details below:

• By phone - (866) 757-0010
• By email - [email protected]
• By letter - Client Resolution Team, Generali US Branch, USA

We’ll contact you within one business day and keep you regularly updated thereafter.

In the unlikely event that your complaint is still unresolved after 8 weeks, we will write to you to update you on its progress and explain your right to refer your complaint to the Financial Ombudsman Service.

Their contact details are:

• Financial Ombudsman Service , Exchange Tower, USA
• Consumer helpline - (212) 602-7600
• For mobiles - (212) 602-7600

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All medical conditions considered

Includes Medical Assistance Plus 

Kids go free on family policies (1) 

A choice of travel insurance to suit you

We have different types of cover for whatever you have planned. And we consider all medical conditions.

Offering cover for anything from a short UK break to a year of travelling around the world

• Covers you for a one-off trip up to 365 days (2)
• Perfect for short or long trips for anywhere in the UK or abroad 
• No age limit

Travelling more than once this year? An annual multi-trip policy could save you time and money

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years

Looking for a gap year, career break or to travel the world? We could have the cover you're after

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions
• Available for those aged 18 – 60

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing that health professionals are just one click away.

Medical Assistance Plus (3), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re abroad.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can’t help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

What is travel insurance?

Travel insurance may be able to protect you against a range of unexpected events. From losing valuables to medical emergencies, and anything else that could spoil your holiday. Take a look at our policy documents to make sure that you’re getting the cover that meets your needs.

Cancellation and cutting short your trip

• Emergency medical expenses
• Missed departure
• Delayed departure

Personal liability and legal costs

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy. This includes pre-booked activities and excursions, car hire, cattery and kennel fees, up to the limits shown

We may be able to help if you need emergency medical treatment, return to the UK (getting you back home) and more while you’re abroad 

Missed departure (6)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Delayed departure (6)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged 

You'll also get protection for any unexpected legal costs you might be charged while you're away 

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Cover you can count on. We’ve paid out over £177 million in travel insurance claims since 2007

Common travel insurance questions, what does travel insurance cover.

Post Office Travel Insurance can cover you for a single trip of up to 365 days(2), or multiple trips in a single year. This applies to trips taken anywhere in the UK and abroad too. We also offer backpacker cover(7) for a single trip of up to 18 months.

The type and level of cover provided depends on the insurance policy type and options you choose. It can include cover for:

• Cancellation
• Cutting your trip short and abandonment of your trip
• Lost, stolen or damaged baggage
• Lost, stolen or damaged passports
• Lost, stolen or damaged personal money
• Personal accidents and liability
• Legal protection

You can add additional cover to your policy. Options include:

• Gadget cover
• Excess waiver
• Trip disruption
• 45- or 60-day trip extensions (on  annual multi-trip  only)

Winter sports cover  is compulsory for winter sports trips and  cruise cover  is mandatory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons you can buy. This way, you’re sure to be fully covered for your trip and all you’ll do on it.

Why is it important to have travel insurance?

Having travel insurance is a worthwhile purchase for anyone going abroad for their holidays. Even in relatively safe locations such as central Europe, a number of things can go wrong.

Flights can be delayed. Airlines can lose your luggage. Tourist areas may be prone to opportunist thieves who may target your belongings. And you could fall ill anywhere in the world, to the detriment of your holiday plans.

We hope that none of these events happen to you. But, if they do, you could be out of pocket. And with emergency medical problems it could be by tens or even hundreds of thousands of pounds.

Holiday insurance may be able to help avoid some of this risk. It’s a way to insure for travel you, those travelling with you and your belongings.

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get replacements.

In particular, the medical cover outside of the EU offered by insurance is a necessity.

Within the EU, you may think that an  European Health Insurance Card (Ehic) or its replacement, the UK Global Health Insurance Card (Ghic), can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They're limited to health cover and won’t help at all with things like cancellation, loss or theft. And the Ehic no longer provides access to healthcare for UK nationals travelling to Iceland, Liechtenstein, Norway or Switzerland.

Even if you’re staying in the UK for your break , having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances.

To qualify for cover on our annual multi-trip policies, UK trips must consist of:

• At least one night's pre-booked and paid-for accommodation, or
• A stay at least 100 miles from your home, or
• At least one sea crossing

Why choose Post Office?

You’re in safe hands with Post Office. We won Best Travel Insurance Provider at the Your Money Awards in 2021, 2022 and 2023. We also won bronze for Best Travel Insurance Provider at the British Travel Awards 2023, voted for by the UK public.

Our premier cover is 5 Star Defaqto Rated. Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

We have a range of cover options available to suit lots of different holidays, so you can choose the cover that suits you best. We’re there for our customers when they need us the most; since we launched travel insurance in 2007, we’ve paid out over £177 million in claims.

What cover is there for Covid-19 as standard?

Policies purchased from the 31 March 2022 onwards provide cover if:

• you test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body 
• a medical practitioner certifies you as too ill to travel due to Covid-19 
• you, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority 
• you, an immediate relative (8) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19 

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• you test positive for Covid-19 after you’ve left the UK and have to self-isolate
• you test positive on arrival in your destination and are not allowed to continue your trip
• you, an immediate relative (8) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our  trip disruption cover upgrade option. This gives you added protection against missed departures and expenses incurred due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

For policies sold on or after the 31 March 2022

Should the FCDO advise against all travel to your destination, there's no cover under any section of the policy if you decide to travel. 

If the FCDO have advised to only undertake essential travel to a destination and your trip's not essential and you choose to travel, we'll only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you've purchased an optional trip disruption cover upgrade. You may be able to travel with full cover if we authorise in writing that your trip's essential before you depart. Should you like to request this, please email  [email protected]

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

Does Post Office Travel Insurance cover medical expenses?

Yes, our travel insurance covers you for unexpected medical expenses. This includes emergency treatment and hospitalisation, plus repatriation if you need it. Cover's provided up to the limit specified in the policy wording for the specific cover level you choose.

Emergency medical assistance

If you need emergency medical assistance, you can call our dedicated team. They're here 24 hours a day, 7 days a week to get you the help you need. Check the correct contact details for your policy on our travel insurance help and support page .

Non-emergency medical support

If it’s not an emergency but you still need to see a medical professional, you can use our Medical Assistance Plus (3) service. This outpatient service is included free with all new Post Office Travel Insurance policies.

Get easy access to medical experts such as doctors, dentists and gastroenterologists. The single online platform can be used wherever you are abroad.

Choose whether you’re seen at a clinic, in your hotel or via an online video consultation. All sessions are in your own language. They even have prescriptions delivered to your nearest pharmacy.

This takes away the stress of finding medical help, so you can kick back and enjoy your holiday to the full.

Do I need travel insurance for UK trips?

We provide cover whether you’re taking a break in the UK or going on holiday overseas. You’re covered if your luggage or personal belongings are lost, stolen or damaged while you’re staying away from home in Britain. And if you have to cancel or cut short your trip in some circumstances, we can cover that too. As long as it matches the reasons set out in your policy.

Our annual multi-trip travel insurance can cover you for UK trips too. The minimum requirements are one night’s pre-booked and paid accommodation. Or your stay must be at least 100 miles from your home. Or you must have at least one sea crossing.

Where can I go on holiday in the UK or overseas?

The UK Government provides guidance on travel 24 hours a day, 7 days a week. Visit the Foreign, Commonwealth & Development Office website for the latest travel information. It lists if it's safe to visit your chosen country. This information can change at short notice. So it's a good idea to check the FCDO page regularly.

Remember, your cover won’t be valid if you travel against the FDCO advice of all travel, and local government advice. Check the latest on the FCDO site or read our  where can I go on holiday guide .

Does travel insurance include gadget cover?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit. The single article limit depends on the cover you’ve taken out. For economy it’s £150, for standard it’s £250, and for premier it’s £400.

Gadget cover  is an optional add on you can buy at any time to add protection for your devices. Check the  policy wording for full terms.

Do you offer a student discount?

Yes, we do. We’ve partnered with Student Beans to offer a discount to students. To claim it, you’ll need to either  register for a Student Beans account (to verify your student status) or  log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

We’re here to help on your travels

Access your travel insurance policy anywhere.

You can buy travel insurance and view your policy all in our free Post Office travel app. Plus you can order and top-up our Travel Money Card wherever you are too

Travel money made easy

Buy your travel money online. You can click and collect from a branch near you or choose next-day delivery to your home

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above.

(3) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Delayed and missed departure are only available with our standard and premier cover levels.

(7) Backpacker policies only available on the economy level of cover.

(8) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

Moscow Metro Tour

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Description

Moscow metro private tours.

• 2-hour tour $87:  10 Must-See Moscow Metro stations with hotel pick-up and drop-off
• 3-hour tour $137:  20 Must-See Moscow Metro stations with Russian lunch in beautifully-decorated Metro Diner + hotel pick-up and drop off. 
• Metro pass is included in the price of both tours.

Highlight of Metro Tour

• Visit 10 must-see stations of Moscow metro on 2-hr tour and 20 Metro stations on 3-hr tour, including grand Komsomolskaya station with its distinctive Baroque décor, aristocratic Mayakovskaya station with Soviet mosaics, legendary Revolution Square station with 72 bronze sculptures and more!
• Explore Museum of Moscow Metro and learn a ton of technical and historical facts;
• Listen to the secrets about the Metro-2, a secret line supposedly used by the government and KGB;
• Experience a selection of most striking features of Moscow Metro hidden from most tourists and even locals;
• Discover the underground treasure of Russian Soviet past – from mosaics to bronzes, paintings, marble arches, stained glass and even paleontological elements;
• Learn fun stories and myths about Coffee Ring, Zodiac signs of Moscow Metro and more;
• Admire Soviet-era architecture of pre- and post- World War II perious;
• Enjoy panoramic views of Sparrow Hills from Luzhniki Metro Bridge – MetroMost, the only station of Moscow Metro located over water and the highest station above ground level;
• If lucky, catch a unique «Aquarelle Train» – a wheeled picture gallery, brightly painted with images of peony, chrysanthemums, daisies, sunflowers and each car unit is unique;
• Become an expert at navigating the legendary Moscow Metro system;
• Have fun time with a very friendly local;
• + Atmospheric Metro lunch in Moscow’s the only Metro Diner (included in a 3-hr tour)

Hotel Pick-up

Metro stations:.

Komsomolskaya

Novoslobodskaya

Prospekt Mira

Belorusskaya

Mayakovskaya

Novokuznetskaya

Revolution Square

Sparrow Hills

+ for 3-hour tour

Victory Park

Slavic Boulevard

Vystavochnaya

Dostoevskaya

Elektrozavodskaya

Partizanskaya

Museum of Moscow Metro

• Drop-off  at your hotel, Novodevichy Convent, Sparrow Hills or any place you wish
• + Russian lunch  in Metro Diner with artistic metro-style interior for 3-hour tour

Fun facts from our Moscow Metro Tours:

From the very first days of its existence, the Moscow Metro was the object of civil defense, used as a bomb shelter, and designed as a defense for a possible attack on the Soviet Union.

At a depth of 50 to 120 meters lies the second, the coded system of Metro-2 of Moscow subway, which is equipped with everything you need, from food storage to the nuclear button.

According to some sources, the total length of Metro-2 reaches over 150 kilometers.

The Museum was opened on Sportivnaya metro station on November 6, 1967. It features the most interesting models of trains and stations.

Coffee Ring

The first scheme of Moscow Metro looked like a bunch of separate lines. Listen to a myth about Joseph Stalin and the main brown line of Moscow Metro.

Zodiac Metro

According to some astrologers, each of the 12 stops of the Moscow Ring Line corresponds to a particular sign of the zodiac and divides the city into astrological sector.

Astrologers believe that being in a particular zadiac sector of Moscow for a long time, you attract certain energy and events into your life.

Paleontological finds 

Red marble walls of some of the Metro stations hide in themselves petrified inhabitants of ancient seas. Try and find some!

• Every day each car in  Moscow metro passes  more than 600 km, which is the distance from Moscow to St. Petersburg.
• Moscow subway system is the  5th in the intensity  of use (after the subways of Beijing, Tokyo, Seoul and Shanghai).
• The interval in the movement of trains in rush hour is  90 seconds .

What you get:

• + A friend in Moscow.
• + Private & customized Moscow tour.
• + An exciting pastime, not just boring history lessons.
• + An authentic experience of local life.
• + Flexibility during the walking tour: changes can be made at any time to suit individual preferences.
• + Amazing deals for breakfast, lunch, and dinner in the very best cafes & restaurants. Discounts on weekdays (Mon-Fri).
• + A photo session amongst spectacular Moscow scenery that can be treasured for a lifetime.
• + Good value for souvenirs, taxis, and hotels.
• + Expert advice on what to do, where to go, and how to make the most of your time in Moscow.

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