Post Office Travel Insurance [Review]

Post Office

Founded

1986 (Post Office Ltd)

Company Type

Limited Company

Company Overview

The Post Office provides more than just postal services to the UK – the company also provides a range of banking and insurance products, which includes Post Office Travel Insurance.

Post Office has won the ‘Best Travel Insurance Provider’ award for 9 consecutive years between 2006 to 2015 and won the Silver award in 2016 and 2017 at the British Travel Awards, voted for by the British public.

The Post Office offers an extensive range of options in terms of their insurance policies, providing basic budget cover in the form of its Super Economy Travel Insurance and highly comprehensive cover in the form of its Premier Plus policies.

Post Office Travel Insurance Review

This page outlines the main features of Post Office Single Trip Travel Insurance. Also available from the Post Office is Multi-Trip Travel Insurance to cover multiple foreign trips per year and Backpacker Travel Insurance for those taking backpacking holidays.

  • The Post Office offers an extensive range when it comes to cover – Super Economy, Economy, Standard, Premier, and Premier Plus Travel Insurance provide everything an individual might need from Travel Insurance, from basic to highly comprehensive cover.
  • An optional Excess Waiver is available to add to your policy if you choose. With a Premier Plus policy, however, an excess waiver is included as standard with your cover.
  • If you take out a Premier or Premier Plus Travel Insurance policy from the Post Office, you can enjoy free access to the airport lounge if your flight is delayed by 2 hours or more providing the delay is announced and the terminal your flight departs from has a lounge that is part of the LoungeKey network.
  • For Single Trip Post Office Travel Insurance, the length of time that your policy will cover you for depends on your age when you take out your Post Office Travel Insurance policy.

    • Under 71 years old: 365 days per trip

    • Between 71 and 75 years old: 90 days per trip

    • Between 76 and 85: 31 days per trip

  • If you have a Multi-Trip Travel Insurance policy from the Post Office, you can extend your stay abroad with an optional add-on. These trip extensions can extend the limit of your trip by 31, 45, or 60 additional days up from a standard of 17-31 days per trip depending on your level of cover
  • Optional Business Cover, Golf Cover and Cruise Cover is available on policies with minimum Standard Cover or higher.

Post Office Travel Insurance Policy Summaries

Post Office Travel Insurance policies have several different levels of cover to suit everyone’s needs, ranging from their budget ‘Super Economy’ policies to the highly comprehensive ‘Premier Plus’ policies.

The Post Office Super Economy Travel Insurance

Cover

Cover Limit

Medical Cover

£2,000,000

Hospital Benefit

Nil

Emergency Dental Cover

Nil

Accidental Death Benefit

Nil

Cancellation Cover

£1,000

Delay Cover

Nil

Missed Departure Cover

Nil

Baggage Cover

£150 per item
Maximum £1,000

Currency Cover

Nil

Travel Documents Cover

£100

Personal Liability Cover

£1,000,000

Legal Cover

£25,000

Airline Cover

Nil

Optional Cover

Winter Sports Cover

£200 Ski Equipment
£10 per day (up to £100) for piste closure

Gadget Cover

£1,000

Business Cover

n/a

Golf Cover

n/a

Cruise Cover

n/a

The Post Office Economy Travel Insurance

Cover

Cover Limit

Medical Cover

£2,000,000

Hospital Benefit

Nil

Emergency Dental Cover

£350

Emergency Dental Cover

Under 18 years of age: £2,000
18-65 years of age: £10,000
Over 66 years of age: £1,000

Cancellation Cover

£1,500

Delay Cover

Nil

Missed Departure Cover

Nil

Baggage Cover

£150 per item
Maximum £1,500

Currency Cover

£250

Travel Documents Cover

£100

Personal Liability Cover

£2,000,000

Legal Cover

£25,000

Airline Cover

Nil

Optional Cover

Winter Sports Cover

£200 Ski Equipment
£10 per day (up to £100) for piste closure

Gadget Cover

£1,000

Business Cover

n/a

Golf Cover

n/a

Cruise Cover

n/a

The Post Office Standard Travel Insurance

Cover

Cover Limit

Medical Cover

£5,000,000

Hospital Benefit

£25 per night
Maximum £100

Emergency Dental Cover

£350

Accidental Death Benefit

Under 18 years of age: £2,000
18-65 years of age: £15,000
Over 66 years of age: £1,000

Cancellation Cover

£2,000

Delay Cover

£20 per 12 hours
Maximum £300

Missed Departure Cover

£750

Baggage Cover

£150 per item
Maximum £1,500

Currency Cover

£250

Travel Documents Cover

£100

Personal Liability Cover

£2,000,000

Legal Cover

£25,000

Airline Cover

Nil

Optional Cover

Winter Sports Cover

£500 Ski Equipment
£20 per day (up to £200) for piste closure

Gadget Cover

£1,000

Business Cover

£1,000 for equipment
£1,000 business money cover
£1,000 for replacement employees

Golf Cover

£1,000 for equipment
£400 for non-refundable fees

Cruise Cover

n/a

The Post Office Premier Travel Insurance

Cover

Cover Limit

Medical Cover

£10,000,000

Hospital Benefit

£25 per night
Maximum £300

Emergency Dental Cover

£350

Accidental Death Benefit

Under 18 years of age: £2,000
18-65 years of age: £20,000
Over 66 years of age: £1,000

Cancellation Cover

£5,000

Delay Cover

£20 per 12 hours
Maximum £400

Missed Departure Cover

£1,000

Baggage Cover

£200 per item
Maximum £2,000

Currency Cover

£350

Travel Documents Cover

£125

Personal Liability Cover

£2,000,000

Legal Cover

£25,000

Airline Cover

£5,000

Optional Cover

Winter Sports Cover

£1,000 Ski Equipment
£20 per day (up to £300) for piste closure

Gadget Cover

£1,000

Business Cover

£1,000 for equipment
£1,000 business money cover
£1,000 for replacement employees

Golf Cover

£1,000 for equipment
£400 for non-refundable fees

Cruise Cover

£1,000 for missed departure
£1,000 for cruise interruption

The Post Office Premier Plus Travel Insurance

Cover

Cover Limit

Medical Cover

£10,000,000

Hospital Benefit

£25 per night
Maximum £300

Emergency Dental Cover

£350

Accidental Death Benefit

Under 18 years of age: £2,000
18-65 years of age: £25,000
Over 66 years of age: £1,000

Cancellation Cover

£10,000

Delay Cover

£30 per 24 hours
Maximum £600

Missed Departure Cover

£1,500

Baggage Cover

£300 per item
Maximum £3,000

Currency Cover

£525

Travel Documents Cover

£200

Personal Liability Cover

£3,000,000

Legal Cover

£25,000

Airline Cover

£5,000

Optional Cover

Winter Sports Cover

£2,000 Ski Equipment
£20 per day (up to £400) for piste closure

Gadget Cover

£1,000

Business Cover

£1,000 for equipment
£1,000 business money cover
£1,000 for replacement employees

Golf Cover

£1,000 for equipment
£400 for non-refundable fees

Cruise Cover

£1,500 for missed departure
£1,500 for cruise interruption

Post Office Travel Insurance Policy Documents

Policy Documents

Post Office Travel Insurance Key Facts   Post Office Travel Insurance Policy Terms

Additional Information About Post Office Travel Insurance

Key Comparison Points for Post Office Travel Insurance

  • As well as covering your legal costs if you suffer illness, personal injury or death while abroad, the Post Office will also provide telephone advice, guidance and assistance to help you with you or your loved ones with legal proceedings and secure appropriate compensation.
  • The optional cover types aren’t available to add to every type of policy. Cruise cover is only available to add to Premier and Premier plus policies, while Golf and Business cover can only be added to Standard, Premier, and Premier Plus policies.
  • When you apply for a Travel Insurance policy from the Post Office, you have the option to add an Excess Waiver. Adding this policy means that your policy will cost more initially, but your excess is reduced to nil and you will not need to contribute to the cost of your claims.
  • The Post Office cover an extensive range of holiday sports and activities as standard while you are abroad, however some of the more risky activities – such as jet skiing, archery, and sailing – will not be covered for personal accident or personal liability claims.
  • While not many other providers of Travel Insurance offer cover for business travel, the Post Office’s specific cover for business travel can offer valuable protection for professionals abroad. The optional cover includes compensation for computer equipment, emergency couriers, equipment hire, business money, and funding for a replacement employee.

Post Office Travel Insurance Excess

The following table shows the standard excess amount for each policy type. This excess is mandatory unless you add a waiver of excess to your policy.

Cover Level

Excess

Super Economy

£150

Economy

£125

Standard

£100

Premier

£50

Premier Plus

Nil

The excess amounts outlined in the above table only apply to certain types of cover, with the following being the most common claim types which are affected by this excess:

  • Cancellation/ curtailment
  • Emergency medical
  • Funeral expenses abroad
  • Baggage cover
  • Abandonment of trip after 12 hour delay
  • Personal liability
  • Personal money cover & passport
  • Missed departure

Policy Exclusions

The following are some of the general exclusions that apply to Post Office Travel Insurance policies. Individual cover types also have their own individual exclusions that apply to certain claims.

  • Anyone over the age of 71 taking part in Winter Sports
  • Persons travelling against the advice of a medical practitioner
  • Persons travelling with the intention of receiving medical treatment abroad
  • Any person who is suffering symptoms of a health condition prior to travelling that has yet to receive a diagnosis or are awaiting the results of investigations.
  • Personal injury or damage caused intentionally by those covered by the policy or by policyholders wilfully putting themselves at risk.
  • Participating in any organised sports competition or engaging in any paid manual work.
  • Claims arising as the result of war, terrorism, rebellion, revolution, or military activity.
  • Loss or destruction associated with contamination or poisoning by radioactivity.
  • Travelling to any area that the Foreign and Commonwealth has expressly advised the public not to travel to.
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16/05/2021
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