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Flexicover travel insurance review

We look at what Flexicover travel insurance has to offer and whether it’s any good.

Whether you’re a gap year traveller heading to South America or you’re going for a city break with your partner, travel insurance is always a good idea.

With Flexicover there are several different types of travel insurance you can get, with some policies offering more protection than others. So whether you’re going on a family holiday or a stag do, a beach holiday or a golf trip, find out what Flexicover will insure you for abroad.

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Who is Flexicover?

Flexicover is a division of Citybond Holdings Limited and has been trading for over 30 years.

Authorised and regulated by the Financial Conduct Authority, it says its focus is on customer satisfaction and offering value for money, and aims to offer quick and easy services.

What are my cover options with Flexicover?

Flexicover offers a range of different types of insurance cover. To find out which one is best suited to your trip check out the main features below.

Heading on a beach holiday this summer or visiting a friend abroad? If you’re only doing one holiday this year then you probably want single trip cover. The main features of Flexicover’s Single Trip Policy include:

  • No upper age limit.
  • Covers trips for up to 100 days.
  • Covers you for over 120 different sports, although check the handbook to double check you’ll be covered for what you want to do.
  • No extra cost for cruise holidays.
  • Will cover you for one-way trips.
  • Won’t cover you for trips to countries that the Foreign Office has advised people against travelling to.
  • Up to £10 million emergency medical cover in case you fall sick or hurt yourself abroad.
  • 24/7 medical emergency helpline.

Going on more than just the one holiday this year? Save money and time by taking out an annual policy instead. Check out the main features of Flexicover’s annual policy here:

  • Won’t cover people over 85.
  • Choose from 4 different levels of annual cover.
  • Depending on level of policy you can go away for 35, 50 or 100 consecutive days.
  • No limit on number of trips allowed in the year.
  • 24/7 medical emergency helpline.

Nothing beats the freedom of backpacking for months on end. However it also comes with its fair share of risks, so to make sure you aren’t left out of pocket and without a paddle, you should get a backpacker policy. Flexicover’s backpacker policy will offer you the following:

  • Get covered if you’re between the ages of 16 and 45.
  • Maximum travel duration of 18 months.
  • Temporary returns home allowed.
  • Cover for over 120 sports and activities included for free, such as motorbiking and scuba diving.
  • Get a discount when you take out the policy for two people.
  • Get at least £2.5 million medical emergency cover.

Letting off some steam with a golf holiday this year? Many insurers offer specialist golf travel insurance policies, which will protect you and your expensive gear should anything go wrong. Flexicover will cover you for the following:

  • Cover for your clubs, bags and trolley against theft.
  • Cover for any gear you hire out.
  • Hole-in-one cover will help you buy the celebratory drinks.
  • Get reimbursed for green fees if you have to pull out due to injury, illness or poor weather.

Heading off on a cruise? While it should all be plain sailing, hiccups can happen, so it might be a good idea to get a specialist cruise insurance deal. Key features of Flexicover’s policy include:

  • Should you have Silver cover or above your baggage and personal items will be protected, and you can get replacements for important documents or a passport if it’s lost or stolen.
  • Cover in case your transport breaks down or is delayed, and you miss the departure time of your cruise.
  • Cover for being confined in a cabin, or you miss out on a pre-booked activity or excursion.

If you’re off skiing or snowboarding this year then you will probably want winter sports cover. Accidents happen on the slopes, but you can rest assured you’ll be covered if anything does happen. We look at the key features on offer from Flexicover’s winter sports insurance here:

  • Won’t cover anyone aged 71 or over.
  • Cover for up to 100 days away.
  • Cover for 25 different winter sports, including skiing and snowboarding on and off piste.
  • Covers ice skating, sledging and skidooing too.
  • Cover for a lost ski lift pass.
  • Cover if the mountain is closed due to bad weather or due to an avalanche.
  • Protection for any injuries and your ski equipment if it is stolen or damaged.
  • There are 4 levels of cover that you can pick from to suit your needs.
  • Medical assistance 24/7.

Having a pre-existing medical condition shouldn’t stop you from doing what you love best on holiday. Whether it’s skiing at full pelt or lying on a beach, Flexicover will cover people who have existing health conditions.

You need to clearly communicate with the insurer about health issues you’ve had in the past. It may well say it can’t cover your particular condition or will make you pay more. However, it’s vital you get insured, here are some of the ways Flexicover insurance will help:

  • Pay at least £2.5 million towards medical expenses if you fall ill abroad.
  • Will repatriate you if you need to get home for medical treatment quickly.
  • Covers you for cancellation should you need to call off the holiday for health reasons.

Travelling with kids? Make your life easier and get an individual policy to cover for the whole family. With Flexiplus this will mean:

  • Cover for any children under the age of 18 with a family or single parent family policy.
  • Up to £10 million for emergency medical fees should anyone in the family fall ill or get hurt.
  • A medical emergency helpline that is in operation 24/7.
  • You can get help should your car break down or you miss your departure due to circumstances beyond your control, for instance, public transport breaking down.

What level of cover can I get?

There are four levels of cover you can get with Flexicover. Ranging from basic to comprehensive, you have Bronze, Silver, Gold and Platinum.

In the table below we look at the policy details for the various levels of cover:

Cover benefitsBronzeSilverGoldPlatinum
Cancellation£750£1,000£5,000£10,000
Emergency medical treatment£2,500,000£5,000,000£7,500,000£10,000,000
Hospital benefit£25/£250£25/£500£25/£1,000£50/£1,500
Personal accident
Loss of baggage£750£2,000£3,000
Personal money£250£500£750
Passport and travel documents£250£500£750
Delayed departure£15/£300£40/£500
Cancellation of trip after 12 hour delay£5,000£10,000
Missed departure£500 in Europe£500 in Europe£750 in Europe
Personal liability per policy£500,000£1,000,000£2,000,000£3,000,000
Legal protection per policy£2,500£10,000£25,000£50,000
Winter sports coverOptionalOptionalOptionalOptional
Business coverOptionalOptionalOptionalOptional
Golf coverOptionalOptionalOptionalOptional
Cruise coverOptionalOptionalOptionalOptional

How much is my excess?

An excess is the amount of money you are expected to contribute towards a claim before the insurer starts helping.

So if you lose your baggage worth £1,000 and the excess is £100, you’ll have to pay £100 before the insurance company gives you a penny.

The excess amount you will have to pay depends on the claim you are making. To work out how much you’re liable to pay in excess fees see your policy handbook.

It’s worth doing this before you sign up to any insurance. After all, you’ll probably have to borrow money from somewhere if you can’t afford the excess out of your own pocket.

What’s the claims process for Flexicover?

Should you have a medical emergency abroad call the Flexicover helpline on + 44 (0) 203 824 0713. It is open 24/7. You will need the following details to hand:

Your holiday phone number in case it needs to get back to you.
The name, age and other personal information of the person receiving treatment.
Name of the hospital, ward and doctor.
Your Flexicover policy number.
The details of the GP in the UK.

Flexicover pros and cons

Pros

  • A wide variety of cover is offered.
  • You can add other people to your own policy.
  • 24/7 medical emergency helpline.
  • No upper age limit on single trip.

Cons

  • Backpacker insurance isn’t available at Bronze level.
  • Upper age limits generally apply.
  • Bronze policy doesn’t cover much.

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

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