Virgin Money Travel Insurance

Find out if Virgin Money has the right travel insurance for your next trip

3.9 ★★★★★ (51 reviews) Write a review
Virgin Money Travel insurance
Customer rating
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Additional accommodation costs (up to £2,000) included for new customers.
No cover for air miles used to pay for a cancelled trip.

Who is Virgin Money?

Virgin Money is a financial services brand from the Virgin Group, and launched operations as Virgin Direct in 1995. The Virgin Money brand was introduced in 2000, and has increased vastly in size since then, now reaching 4 million customers.

Virgin Money now offers banking services, insurance, currency exchange, and numerous more financial services.

Virgin Money and pandemic cover

When planning a trip away, you want the peace of mind that you’re covered if something goes wrong. Travel insurance is the best way to make sure you’re protected in an emergency, and if you’ve had something go wrong when you’re abroad before, you know how important it can be.

Virgin Money has relaunched travel insurance for new customers with additional cover for coronavirus.

New customers can now buy policies which will include cover for medical expenses, cancellation and curtailment as a result of being diagnosed with Coronavirus. Existing customers are now automatically covered.

New customers will benefit from:

  • Medical expenses – policyholders will be covered for medical expenses if they require treatment for coronavirus while abroad. Additional accommodation costs (up to £2,000) will also be included if treatment means customers need to extend their trip.
  • Cancelling or cutting a trip short – customers will also be covered if the policyholder, or a member of their family or travelling party, are medically diagnosed with coronavirus or personally instructed to isolate by an NHS service or medical professional.

What are Virgin Money’s cover options

Virgin Money offer single-trip, annual multi-trip and backpacker insurance, as well as a range of optional extras.

With each of their cover options, Virgin Money offer four levels of cover: Red, Silver, Gold and Black. With Red being the lowest form of cover, and Black being the highest, the level of cover and other benefits vary for each option.

Virgin Money’s Single Trip insurance

Virgin Money’s single trip cover is intended to cover you for just one trip you make.

Features of the policy include:

  • Cover for 88 different sports and activities
  • 24/7 emergency medical assistance helpline
  • Exclusive discounts to all Virgin Group customers
  • Cover for lost, damaged, delayed or stolen baggage and money
Virgin’s Annual Multi Trip cover

Virgin Money’s annual multi trip cover allows you to take an unlimited amount of trips within a year. Each trip can be as long as 31 days for Red cover, and up to 90 days with Gold or Black cover.

Features of the policy include:

  • Winter sports are covered as standard
  • 24/7 emergency medical assistance helpline
  • Hassle free for all-year cover
Virgin Money’s Backpacker travel insurance
Virgin Money’s Backpacker travel insurance is ideal for student gap years, and is designed for trips between 31 days and 18 months.

Features of the policy:

  • Ideal for student gap years
  • Can add optional extras to suit your needs
  • Cover for up to 88 different sports and leisure activities
  • 24/7 emergency medical assistance helpline
There are numerous optional extras you can add on to Virgin Money’s insurance policies, these include:
  • Travel disruption cover
  • Winter sports cover
  • Adjustable excess levels
  • Business cover
  • Golf cover

What’s covered under these policies?

All of Virgin Money’s travel insurance policies offer the same four levels of cover. As you would expect, policy payouts increase for each category as you move from red to black cover.

All levels include cover for the following areas:

  • Medical expenses
  • Hospital benefit
  • Baggage
  • Delayed baggage
  • Personal money
  • Cancellation
  • Delayed departure
  • Missed departure
  • Trip cut short
  • Gadgets
  • Passports
  • Trip cut short

What is my excess?

An excess is the amount of money you contribute to each claim you make before Virgin Money pay out. The excess is different for each of the policy options, but you have the choice to adjust the excess level to suit what premium you would like to pay.

Make sure to check your policy schedule where your excess information will be shown in detail.

What is the claims process for Virgin Money travel insurance?

To make a claim with Virgin Money you will need to get in contact by phone. email or by letter. Virgin Money will then reply and send a claims form to you, which you will have to fill out and attach any documents they’ve asked for. Once Virgin Money have your form and documents, they’ll process your claim.

If you need to call Virgin Money in an emergency, call +44 (0)207 748 8908.

For general claims, call +44 (0)330 400 1265, or email:

If you would rather write to Virgin Money, the mailing address is:
Virgin Money Travel Insurance Claims
One Victoria Street
Bristol Bridge

Travel insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2020.
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