Fortify Insurance review

Compare the different levels of cover from Fortify Insurance and see if it has the right policy for your travelling needs.

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Fortify Travel Insurance

Fortify Travel Insurance

Fortify Travel Insurance

  • 24/7 emergency helpline
  • Up to £25,000,000 worth of medical cover
  • Up to £10,000 cancellation & curtailment cover
  • Cover for your needs - including ski, cruise & golf insurance
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Who is Fortify Insurance?

Fortify Insurance is a UK company based in Cardiff that has been in operation since 2016. It offers several insurance products, including life and travel insurance. Fortify prides itself on being ethical, open and fair whilst providing a first class service and insurance.

What are my cover options with Fortify Insurance?

Fortify Travel Insurance offers several different travel insurance policies. These policies are listed below with a selection of their features.

Whether you’re going on your summer holiday, or a romantic city break, having insurance is a must. A single trip policy is perfect for a one-off holiday, and has all the cover you’ll need. Fortify’s single trip policies include:

  • You must be under the age of 85
  • You are permitted to travel for 100 days up to the age of 75, and 31 days over the age of 76
  • Medical expenses are covered up to £25 million
  • Additional cover available for travel disruption
  • Trip cancellation covered up to £10,000 per person
If you know you are going to be going away more than once this year, an annual trip policy may be a way to save both time and money. With this policy, you will be covered for multiple holidays, and you won’t have to worry about taking out a policy each time you go away. Fortify’s annual trip policies include:

  • You have to be under the age of 85
  • Any amount of trips are permitted, but they cannot exceed 50 days per trip if you are under the age of 65, and 35 days up to the age of 85
  • You have the option to increase your trip limit to 100 days
  • Travel delay cover up to £500
  • Lost or stolen money cover up to £500
Travelling around the world can be a wonderful, exhilarating adventure. However, it is important that you don’t skimp on your insurance, otherwise your dream trip might turn into a nightmare. Getting cover against theft, loss or injury is the best way to keep your trip enjoyable – after all, there’s nothing adventurous about being left with no passport, clothes or money! Fortify’s backpacker trip policies include:

  • You have to be under the age of 39
  • Policies can last up to 546 days
  • One trip home is permitted up to a maximum of 14 days
  • Cover up to £750 for loss of money, passport and documents
  • Option to change your policy whilst travelling
Will you soon be setting sail on an adventure of a lifetime? Have you thought about what will happen if it’s not all plain sailing? Enter, Cruise cover! This specialist cover is available to add as an extra to your travel insurance plan for a premium. Fortify’s cruise trip policies include:

  • Emergency medical repatriation
  • Any changes to your itinerary
  • If you miss your departure
  • Cabin confinement
  • Cruise interruption
Will you soon be hitting the slopes? Well, don’t forget your insurance! Winter sports come with a lot of risks, and a lot of hefty fees if you experience an accident or serious injury. Get cover for all the family by adding this extra insurance to your travel insurance policy. Fortify’s Winter sports policies include:

  • Cover for any damaged, stolen or lost ski equipment, as well as hired replacements so that you can carry on your holiday
  • Cover for the loss of your ski pass
  • Cover for any piste closures due to bad weather
  • Cover for avalanches and landslides
Alongside cruise and winter sports cover, Fortify also offers optional cover for other types of trips. Including:

  • Golf cover
  • Business equipment cover
  • Overseas wedding cover

Fortify’s cover level options

Fortify Insurance offers three different cover levels of travel insurance. These include:

  • Standard. This is Fortify’s most basic cover level. It offers a lower price for a lower level of cover and a higher excess. Ideal if you’re looking for cheap cover.
  • Premier. If you looking for a mid-range level of cover and average travel insurance price then Fortify’s premier cover could be right for you.
  • Premier Plus. This is Fortify’s highest level of cover available, it includes a zero excess benefit but as you can imagine is their most expensive cover level.
CoveredStandardPremierPremier Plus
Cancellation and curtailment£2,500£5,000£10,000
Emergency medical expenses£5,000£10,000£25,000
Emergency dental£250£250£500
Personal accident
Personal money, passport and documents
Personal liability£1,000,000£2,000,000£3,000,000
Delayed departure
Missed departure£500£1,000£1,500
Legal expenses£10,000£25,000£50,000
Pet Care£250£250£750
Hijack and kidnap
Travel disruption cover
Abandoning your holiday£5,000£10,000

What’s my excess?

Your excess is the amount of money that you will be expected to pay if you make a claim. The price of your excess will differ based on your level of cover and the claim you are making.

For full details on your excess, make sure you read your Policy Schedule.

What is the claims process for Fortify Insurance?

If you have a medical emergency, call 0292 0474 221. Lines are open 24/7.

Fortify has a dedicated claims line to call on 0292 0468 500.

You must report your claim within 28 days of returning home.

Pros and cons for Fortify Insurance

Pros

  • Three cover levels of travel insurance available to suit different budgets
  • Policies can be tailored to fit your travelling needs with a range of optional extras

Cons

  • Claims service is not open 24/7
  • Upper age limits apply (winter sports cover capped at 60 years old and backpacker cover capped at 39 years old)
  • Extremely limited information available on the Fortify Insurance website

Our verdict

If you like to do your research online, then Fortify probably isn’t for you as information is extremely limited on its website. However, if you don’t mind calling up and speaking to a representative, then you may just be able to find a travel insurance policy. It also offers single and annual policies that are each available in three different cover levels.

You can’t go wrong by doing a little shopping around and comparing the deals available to find the best one to suit your needs.

FAQs


The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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