Post Office travel insurance is one of the most popular travel cover options in the UK. They offer four main plan types suited to different purposes. Like virtually all other travel insurance companies they offer a single trip plan and an annual multi-trip plan. But they also have two slightly more unique plans: the Explorer, designed for students and recent graduates going on a Gap year, and Long Trip insurance for someone traveling for up to a year (many insurance plans only cover your for up to 60 or 90 days on a given trip).
Coverage for a Wide Range of Activities
One of the perks of Post Office travel insurance is the fact that they offer coverage specific to a wide range of adventure activities – over 80, in fact. This is handy because it means when you’re on holiday you’ll know whether you’re covered for any activities you might want to try, before you even get there. That prevents you from having to avoid potentially dangerous adventure activities just because the possibility of something going wrong could lead to massive bills. Even zorbing (where you roll down a hill inside a giant inflatable ball) is covered under their basic single trip plan.
Popular Support and Awards
Post Office travel insurance ranks highly when it comes to consumer ratings. At British Travel Awards, Post Office won the Best Travel Insurance Provider category. This is an award determined by the votes of the public, so that’s a pretty good indication that the majority of Post Office customers are not only satisfied but actually enthusiastic enough to recommend Post Office to others.
Online Purchasing Discount
There’s another perk Post Office can give you: when you purchase annual travel insurance online, you get a 10% discount. Now, while there are other UK insurance providers that can beat that discount rate, they don’t all have the same reputation and track record Post Office has.
The Four Plans
Here’s a quick breakdown of the four different plans Post Office has:
- Annual Multi Trip – you can take as many trips as you like on this plan, but you won’t be covered if a trip extends beyond 31 days. Ideal for people who take a lot of short trips every year. Medical up to 5 million and cover for over 80 activities.
- Single Trip – covers you for a trip up to 90 days long, providing cover for over 80 activities and up to 5 million pounds for medical insurance.
- Explorer – designed for students and recent grads. Covers trips between 2 and 12 months in duration and includes over 90 activities (with the option to add extras, including winter sports cover).
- Long Trip – similar to the Explorer, but this plan covers 3-12 month trips. The standard plan covers all travel basics and also includes cover for a trip home (useful for an emergency, such as a relative getting sick or passing away).
As you can see signing up with Post Office travel insurance has many benefits, but there are a few negatives. For one thing, it’s pretty hard to get a policy with Post Office if you have a pre-existing medical condition or you’re over 65. If this is you, you’ll want to look at a provider who tailors their plans to people like you such as All Clear travel insurance.
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