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John Lewis Travel Insurance [Review]

 

This Travel Insurance Review

Alicia Hempstead - Drewberry
Written by:
Alicia Hempsted
Content Manager at Drewberry
⏰  7 min read

Founded

1864

Company Type

Public Limited Company

Company Overview

In 2006, The John Lewis Partnership – best known for its department stores and supermarkets – decided to expand its services to include financial services and products. This led to the formation of John Lewis Finance, which today provides a range of insurance products including John Lewis Travel Insurance and John Lewis Home Insurance.
Read Drewberry's John Lewis Travel Insurance review

John Lewis Travel Insurance policies offer 3 different levels of cover – Essential, Plus and Premier. While Essential Cover offers basic cover for your travel needs, Premier goes above and beyond to provide you and your travel companions with comprehensive cover.

John Lewis’s Travel Insurance Plus and Premierpolicies received 5 star Defaqto ratings in 2018.

Review the key facts about John Lewis Travel Insurance.

John Lewis Travel Insurance Review

John Lewis Family Travel Insurance policies can cover two adults and any number of dependants under 18, with up to £10 million of available cover for emergency medical treatments.

 

John Lewis Travel Insurance policies are available as either Single-Trip or Multi-Trip. Multi-Trip policies offer year-round cover for trips lasting up to 31, 45 or 60 days per trip. Single-Trip policies cover only one trip, although trips can last up to 6 months.

 

John Lewis give you options to either waive your policy’s excess to increase your cover or increase your excess to reduce the cost of your policy.

 

Optional hazardous sports cover will cover you for an additional list of hazardous activities on top of the extensive activities list you receive cover for as standard with your policy.

 

John Lewis offers cover specifically for weddings abroad. You will stay covered until the end of your wedding reception if you are planning on getting married overseas. When it comes to your wedding photos and video, your cover expands to 2 weeks after your wedding

 

John Lewis have 4 different cover zones to choose from that will affect the cost of your policy:

  • Area UK: England, Scotland, Wales, Northern Ireland, the Isle of Man and the Scilly Isles.
  • Area EU: Europe, the Channel Islands, the Republic of Ireland, the Canary Islands, Algeria, Israel, Lebanon, Libya, Madeira, Morocco, Syria, Tunisia and Turkey.
  • Area XU: Worldwide except the United States of America, Canada and the Caribbean.
  • Area WW: Worldwide.

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John Lewis Travel Insurance
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John Lewis Travel Insurance policies have 3 different levels of cover, ranging from affordable to comprehensive.

John Lewis Travel Insurance Policy Summaries

John Lewis offers 3 levels of Travel Insurance cover, ranging from basic to comprehensive to match your needs and your budget.

Essential Cover

Plus Cover

Premier Cover

Policy Documents

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Review John Lewis Travel Insurance key comparison points and features.

Additional Information About Travel Insurance from John Lewis

 

Key Comparison Points for John Lewis Travel Insurance

  • John Lewis’s additional cover options are not available to add to their Essential Travel Insurance policies. This makes Essential cover a basic option for people looking for highly cost-effective cover that offers only essential protection while they’re travelling.
  • John Lewis Travel Insurance covers mobile phones as standard within their Baggage Cover and do not offer optional Gadget Cover like some other insurers. This means that you will automatically be covered if your mobile phone is lost or damaged but the payout you receive to repair or replace it may not be as substantial as it would be with another policy.
  • With Travel Insurance from John Lewis, you will have access to their Travel Advice Line. This helpline can guide you on a range of subjects relating to your trip, including customs and culture, lost belongings, health issues and visa and passport requirements. It can also be used to pass on emergency messages if anything happens while you’re away.
  • There is no upper age limit to apply for a John Lewis Single-Trip policy and Multi-Trip policies can cover people up to the age of 74 years old.
 

John Lewis Travel Insurance Excess

Some types of cover you can claim for on a John Lewis Travel Insurance policy have an excess attached. However, you can choose to either waive this excess or double it when you purchase your policy.

Cover Level

Excess

Essential

£100

Plus

£60

Premier

£50

Deposit-only claims have an excess of £10

If you are claiming reimbursement from a lost deposit, your excess will be £10 under all policies. With Plus and Premier policies, you will only pay a maximum of two excesses if you claim several different types of cover in respect of one event.

 

Policy Exclusions

Each type of cover available on a John Lewis Travel Insurance policy has its own specific exclusions and conditions. However, there are some exclusions that apply to your policy generally which you should be aware of.

  • Deciding not to travel or cutting your trip short due to disinclination to continue your trip.
  • Travelling against medical advice or advice from the Foreign and Commonwealth Office.
  • Travelling with the purpose to receive medical treatments abroad.
  • Taking part in manual work in connection with a profession, business or trade.
  • Damage, loss or injury as the result of the abuse of alcohol, solvents, or drugs or any injuries or illnesses being the affects of addiction, dependency, or long term abuse of these substances.
  • Medical problems arising from pre-existing conditions that have not been disclosed to your insurer or are not covered by your policy.
  • Intentional self harm, attempted suicide, or injury / illness arising from deliberately putting yourself at risk.
  • The breakage of or damage to fragile articles (e.g. electronics) unless caused by a malicious or criminal act.
  • The loss or damage of personal possessions that are not appropriately stored or cared for, or valuables that are left unsupervised unless stored in locked accommodation, a safe or a safety deposit box.

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REVIEWS
EXCELLENT
4.92 / 5 Average
1757 Reviews
H Hughes
Overall Rating
I feel very grateful to have found Drewberry to help me find the kind of policy I needed. I have received an excellent level of service from Rauri who I would recommend highly, and Danielle, who is part of Rauri's team.
A Howard
Overall Rating
Had a great experience dealing with Jake, really helpful and very patient. Would recommend to friends and family. Many thanks Andy Howard
J Griffith
Overall Rating
Very easy to deal with. Adviser was knowledgeable and clear about options. It was a pleasure to use this broker and I would happily recommend to others.
A Garrard
Overall Rating
Drew Berry acted very professionally from start to finish. The advisors were very knowledgeable and helpful, and gave me superb guidance as to which cover would suit me best. Oliver who completed all the finer details and set up the policy was a great credit to the company, and I would like to thank him personally, and Drew Berry as a company for arranging cover to give me peace of mind. I would thoroughly recommend this company.
J Chandler
Overall Rating
Drewberry were very helpful and very efficient in finding the right insurance cover for me.