Drewberry™ provide pensions, investment and insurance advice for Money to the Masses readers throughout the UK.

John Lewis logo

John Lewis Travel Insurance [Review]


This Travel Insurance Review

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



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 lead 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 levels of cover – Essential, Plus and Premier. While Essential 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.

Back to Top

John Lewis Travel Insurance
Get 20% off your policy by applying online!
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


Glossary of Travel Insurance Cover Terms

  • Accidental Death & Disability Benefit: If someone under a John Lewis l Travel Insurance policy dies, loses a limb or becomes permanently disabled while abroad, this cover will pay out a benefit.
  • Baggage Cover: This cover will pay out to compensate of you if any of your luggage or personal possessions are damaged, stolen or lost during your travels, provided you have taken the appropriate safety precautions to protect them.
  • Cancellation Cover: If unforeseen circumstances force you to cancel your holiday or cut it short, this cover will refund you some or all of the price of your holiday.
  • Catastrophe Cover: If an earthquake, explosion, fire, flood, hurricane or storm prevents you from following through with your travel plans, John Lewis will pay out a small lump sum to help you make alternative arrangements.
  • Currency Cover & Travel Documents Cover: If your holiday money or any of your important travel documents are stolen or lost while you are abroad, this cover will reimburse you for the money you lost.
  • Delay Cover: If your international flight, train, or boat is delayed, this cover will pay out regular benefits over a period of time.
  • Golf Cover: This optional add-on for your policy will pay out to cover personal and hired golfing equipment while you’re abroad as well as cover non-refundable fees if you need to cancel your golfing plans unexpectedly.
  • Hijack Cover: John Lewis will cover you if an aircraft, train or sea vessel you are travelling in as a fare-paying passenger is unlawfully seized.
  • Legal Cover: This cover will pay out to help you cover legal costs if you want to pursue compensation in the event that you suffer injury or illness while you’re abroad.
  • Medical Cover: This cover will pay out to cover the cost of any emergency medical treatment you may need while outside the UK. This payout can also cover additional travel or accommodation costs associated with your treatment.
  • Missed Departure Cover: Providing you are not to blame for missing your flight, train or boat, your John Lewis Travel Insurance policy will pay out to help you afford replacement transportation if you miss your departure.
  • Passport Cover: This cover will pay out if your passport is lost or stolen while you are abroad, helping you afford a fast replacement.
  • Personal Liability Cover: If an event occurs that you are legally liable to pay for, such as damage to another person’s property or accidental injury, your John Lewis Travel Insurance policy will pay out to help you cover the costs associated.
  • Pet Care Cover: If you are delayed from coming home and have a pet that is being cared for by a kennel or cattery, your Jon Lewis Travel Insurance will cover the cost of extending your pet’s stay until you are able to return home.
  • Supplier Cover: If your transport, accommodation, or entertainment provider becomes solvent, John Lewis will pay back any irrecoverable payments you made in advance as well as help you cover the costs involved in rectifying the situation.
  • Technology Cover: Similar to ‘Gadget Cover’ this optional add on will help you cover the costs to repair or replace your lost or damaged electronics, including tablets, mobile phones, mp3 players and laptops.
  • Wedding Cover: This cover will protect you and your partner if you intend on getting married abroad, cover the cost of your attire, wedding bands and gifts as well as your photographs and videos of the event.
  • Winter Sports Cover: This add-on extends your policy’s cover to include winter sports. This means that you will be able to receive compensation for bought or rented equipment and pre-paid ski packs and passes. You can also claim for piste closure

Back to Top

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’ 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








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 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.

Back to Top

4.92 / 5 Average
1602 Reviews
S Holt
Overall Rating
Michael was very helpful throughout. He was extremely knowledgeable and answered my many questions thoroughly and patiently. He maintained regular contact and informed me of the progress of my application each step of the way. Very professional, friendly and clear. Thank you
N Agarwal
Overall Rating
Very Professional and excellent knowledge
J Bitton
Overall Rating
The help I received in setting up my insurance policy was very efficient; the advisor I spoke to was friendly and professional, leaving me reassured and satisfied with my purchase.
N Dawson
Overall Rating
From initial contact to conclusion of a policy selected Oliver was very professional ,honest and offered sound advice with no pressure to take up specific products discussed. Brilliant service all round and no hesitation in recommending the company. Thanks Very Much
M McCann
Overall Rating
Excellent service. Will recommend Drewberry. Friendly and knowledgeable staff focused on delivering best solution for the client. Thanks Jake & Nick