Post Office travel insurance review

Check out our guide to find out if Post Office Travel insurance has the ideal cover for your trip.

Whether you’re travelling on your gap year or going abroad for a holiday, you should always make sure you have adequate insurance for the possessions you’re taking and the time you’re going away for.

The Post Office offers different types of travel insurance for their customers, with a wide variety of cover available.

Read our guide to find out more about Post Office Money travel insurance.

Post Office Money

Post Office Travel Insurance

  • 24/7 emergency helpline
  • Up to £10,000,000 worth of medical cover
  • Up to £10,000 cancellation & curtailment cover
  • Cover for your needs - including ski, cruise & golf insurance
  • Get a free gift when you buy travel insurance with another travel product (T&Cs apply)
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Who is Post Office Money?

The Post Office was founded in 1984, and specialised in postal service. Since then, they have branched out to provide other services. In 2014, the Post Office Money branch was created to offer financial services such as banking and insurance. They are now the largest financial services chain in the UK.

The Post Office aspire to provide their customers with everything they may need in one place, for a great price.

What are my cover options with the Post Office?

The Post Office offer several types of travel insurance cover. They are listed below with a selection of their features:

Going away for a summer holiday or a city break? Single trip cover is the ideal cover for a one-off holiday. Post Office Money’s policy features include:

  • The maximum number of days for a trip is as follows: 365 days for people aged under 70; 90 days for persons aged 71-75; 31 days for persons aged between 76 and 85.
  • Geographical restrictions apply dependent on which part of the world you state you are travelling to.
  • Up to £10m emergency medical cover in case you experience an injury whilst away.
  • 24/7 medical emergency helpline.
  • You can add up to four other people on your policy.
Planning more than one holiday this year? Then it may be more cost effective to invest in an Annual cover policy. This way, you will be covered for each of your trips and you won’t have to worry about taking out insurance each time you go away. Post Office Money’s annual policy features include:

  • Cover for up to 183 days abroad.
  • With lower levels of cover you must not exceed 17 consecutive days.
  • With higher levels of cover you must not exceed 31 days.
  • 24/7 medical emergency helpline.
Finally beginning that exciting adventure you’ve been dreaming about? Backpacking cover is ideal for gap years and travelling, and will be there to help you out if you experience any issues on your trip. Post Office Money’s backpacker policy features include:

  • Only available for Super Economy and Economy cover
  • Maximum travel time of 18 months
  • You can return home 3 times for a maximum of 7 days each
  • Cover only for ages 18-60
  • Up to £2m emergency medical cover
Going on a golfing holiday? Presumably, you’ll want your focus to be on the golf rather than stressing about forking out the cash as a result of any unexpected circumstances. With the Post Office golf cover, you can be at ease knowing you’re covered on your trip. Policy features include:

  • Cover for your clubs, bags and trolley against theft
  • Hole-in-one cover for your celebrations on the 19th hole
  • Cover against injury incase you get hit by a ball gone awry, as well as personal liability cover incase yours hits someone else!
  • Protection if you can’t play because of injury, illness or poor weather
Will you soon be enjoying the luxury of a cruise? Post Office cruise cover is there incase your trip isn’t all plain sailing. Whilst cruise cover may not be at the forefront of your mind, cruise holidays tend to come with their own risks, and so adding that extra cover might be a good idea. This policy includes features such as:

  • Replacement of your personal items if your baggage is misplaced or lost, as well as replacement of your important documents such as your passport if it lost or stolen
  • Cover incase your transport breaks down or is delayed, and you miss the departure time of your cruise
  • Cover for your evening dress if it is stolen, lost or damaged
Skiing and winter sports bring their own risks, but that shouldn’t stop you having fun. The right travel insurance is the quickest way to avoid hefty fees if you experience an accident or serious injury whilst away. The Post Office offers this as an additional level of cover that you can add to your travel insurance policy. This policy includes:

  • Protection for any injuries and your ski equipment if it is stolen or damaged
  • Cover for piste closure due to bad weather
  • Cover for sports including snowboarding or ice skating
  • There are 5 levels of cover that you can pick from to suit your needs
  • Medical assistance 24/7
  • Cover for skiing and snowboarding on and off-piste whilst on recognised paths and resort boundaries
Travelling the world is definitely an exciting adventure, but if you get the wrong insurance and you fall ill, it could quickly turn into a nightmare. The Post Office offer worldwide insurance that covers you, well, worldwide! This policy’s features include:

  • Emergency repatriation if you require it
  • Financial cover for your medical treatment if you should fall ill or injure yourself whilst travelling
  • A medical emergency helpline that is in operation 24/7
  • Replacements for important documents such as your passport or travel tickets if they are lost or stolen
Having a pre-existing medical condition shouldn’t get in the way of you having fun and enjoying life, and the Post Office Travel Insurance recognises that. They can offer you cover for a pre-existing health condition that includes:

  • Payment towards any medical expenses if you get taken ill whilst you’re away
  • Quick and easy repatriation if and when you need it
  • They’ll monitor your treatment to make sure it’s appropriate for you and your condition
If you’re travelling with your family, you can save on the hassle of getting individual policies by opting for the Post Office’s Family Travel insurance plan. This policy includes:

  • Cover for any children under the age of 18 with a family or single parent family policy
  • Up to £10m of emergency medical cover should you fall ill or injure yourself whilst away
  • A medical emergency helpline that is in operation 24/7
  • You can receive help if you miss a departure, your car breaks down once you’ve left home or public transport is delayed

What level of cover can I get?

The Post Office Travel insurance provide several levels of cover. They are split into two different policy categories, and some levels of cover are not applicable to all of the travel insurance options.

These policies include:

  • Super Economy – the most basic form of cover
  • Economy
  • Standard
  • Premier
  • Premier Plus – this is the highest level of cover

These policies include:

  • Classic – this is the lowest level of cover offered
  • Superior
  • Superior Plus – this is the highest level of cover offered

Take a look at the policy details for Super Economy, Economy, Standard, Premier, Premier Plus below:

Cover benefitsSuper EconomyEconomyStandardPremierPremier Plus
Cancellation£1,000£1,500£2,000£5,000£10,000
Emergency medical treatment£2,000,000£2,000,000£5,000,000£10,000,000£10,000,000
Hospital benefit£25/£100£25/£300£25/£300
Personal accident
Loss of baggage£1,000£1,500£1,500£2,000£3,000
Personal money£250£250£350£525
Passport and travel documents£100£100£100£120£200
Delayed departure£20/£300£20/£400£20/£600
Cancellation of trip after 12 hour delay£1,000£1,500£2,000£5,000£10,000
Missed departure£750£1,000£1,500
Personal liability per policy£1,000,000£2,000,000£2,000,000£2,000,000£3,000,000
Legal protection per policy£25,000£25,000£25,000£25,000£25,000
End supplier failure£5,000£5,000
Winter sports coverOptionalOptionalOptionalOptionalOptional
Business coverOptionalOptionalOptional
Golf coverOptionalOptionalOptional
Cruise coverOptionalOptional

How much is my excess?

An excess is the amount of money you are expected to contribute when you make a claim through your insurance.

The amount of your excess will be dependent on the claim you are making, and may differ in price from other issues outlined in your Policy Schedule. A full list of excess costs is detailed in your Policy Schedule, so make sure to read it thoroughly.

What’s the claims process for Post Office Money?

If you find yourself needing to make a claim, you can call your insurer’s claims department.

For policy numbers starting with TC, you can call on 0333 333 9702. It is important to note that you will need to file your claim within 28 days of returning home.

This claims hotline is in operation Monday to Friday 8am – 8pm.

For policy numbers starting with TT, you can call on 0203 829 3819.

This claims line is in operation Monday to Friday 9am – 5pm.

Post Office pros and cons

Pros

  • Easy access to policy documents online
  • A wide variety of cover is offered
  • You can add other people to your own policy

Cons

  • Claims service is not open 24/7
  • Backpacker insurance is only available in super economy and economy
  • Upper age limits apply

*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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