Churchill Travel Insurance: Comprehensive Coverage for Your Adventures

In this article, we’ll take a closer look at Churchill Travel Insurance and all the benefits it offers. Whether you’re planning a single trip or multiple adventures throughout the year, Churchill has you covered. Keep reading to find out what sets Churchill apart from its competitors and why it’s a top choice for travelers like you.

What is Churchill Travel Insurance?

Churchill Insurance, established in 1989, initially focused on providing home insurance services. Over the years, they have expanded their offerings to include car, van, travel, pet, and breakdown insurance. Churchill’s travel insurance policies, underwritten by U K Insurance Limited, have earned a prestigious 4-star defaqto rating.

Key Features of Churchill Travel Insurance

Churchill offers a range of features that make their travel insurance policies stand out:

  • 4-star defaqto rated policies: Rest easy knowing that Churchill’s travel insurance policies meet high industry standards.
  • 20% off single trip travel insurance: Enjoy great savings on your next adventure with Churchill.
  • Optional cover for winter sports, weddings, golf, and personal belongings: Tailor your policy to suit your specific needs.
  • Up to £10m emergency medical cover: Stay protected in case of unexpected medical emergencies.
  • Covid-19 cover: Churchill travel insurance includes coverage for Covid-19-related claims.
  • Insurance for groups, couples, families, and individuals: Churchill offers policies that cater to a wide range of travelers.
  • Discounts for existing Churchill home or car insurance customers: Receive a 10% discount on annual multi-trip policies.
  • No claims discount upon policy renewal: Save even more when renewing your annual multi-trip policy.

Churchill Travel Insurance Policies

Churchill provides a variety of travel insurance policies to suit different travel needs. Let’s explore the different types of cover they offer:

Churchill Single Trip Travel Insurance

If you’re planning a single trip, Churchill’s Single Trip Travel Insurance is perfect for you. There’s no upper age limit, and you can insure your trip for up to 90 days. Please note that trips for those aged over 60 have a maximum coverage period of 45 days.

Churchill Annual Multi-Trip Travel Insurance

For frequent travelers, Churchill’s Annual Multi-Trip Travel Insurance is a cost-effective option. With this policy, you can enjoy coverage for multiple trips within a policy year. Each trip can be up to 45 days long, and travelers up to 74 years old can purchase this insurance. Even if you turn 75 during the policy year, Churchill will continue to cover you until the policy ends.

What Does Churchill’s Travel Insurance Cover?

Churchill’s travel insurance policies offer extensive coverage. Here’s an overview of what you can expect:

Coverage Single Trip Annual Multi-Trip
Trip limit (age limits apply) Up to 90 days Up to 45 days
Age limits No upper age limit Trip limit reduced to 45 days for over 60’s
Available for ages 18 to 74 (Cover until the policy end date if you turn 75 during the policy term.)
Policy excess £50 £50
Emergency medical cover £10m £10m
Hospital benefit £1,000 £1,000
Holiday cancellation £5,000 £5,000
Personal possessions (optional extra) £2,000 £2,000 (Upgrade to £3,000 available)
Replacement items for delayed luggage £200 £200
Loss of passport/money £500 each £500 each
Delayed departure £200 £200
Missed departure £1,000 £1,000
Personal accident £25,000 £25,000
Catastrophe cover £1,000 £1,000
Emergency dental fees £250 £250
Legal expenses £50,000 £50,000
Personal liability £2m £2m

Churchill Travel Insurance Policy Add-Ons

Customize your Churchill travel insurance policy with the following add-ons:

Churchill Winter Sports Insurance

If you’re planning a winter sports adventure, make sure to add Churchill’s Winter Sports Insurance to your travel insurance policy. This add-on covers essential aspects such as ski equipment, ski equipment hire, being unable to ski, ski pack, piste closure, and replacement lift/ski passes.

Churchill Wedding Insurance

For those planning a wedding abroad, Churchill Wedding Insurance is an essential add-on. This coverage includes protection for your wedding rings, wedding gifts, wedding day outfits, and photos or videos of the day.

Churchill Golf Insurance

If you’re heading on a golf trip, consider purchasing Churchill Golf Insurance to safeguard your golf clubs. This add-on covers green fees, golf equipment, and hired golf equipment.

Churchill New-for-Old Replacement Cover

Protect your belongings with Churchill’s New-for-Old Replacement Cover. This add-on ensures that damaged items are replaced or repaired, with the exception of clothing and towels, subject to wear and tear deductions.

Does Churchill Travel Insurance Cover Covid-19?

Yes, Churchill travel insurance provides coverage for Covid-19-related claims. Here are some of the coronavirus-related claims covered by Churchill’s travel insurance:

  • Medical claims: Coverage for emergency medical expenses if you or any insured person requires treatment or quarantine due to Covid-19.
  • Cancellation claims: Reimbursement for canceled trips if you, a traveling companion, or close relative tests positive for Covid-19 and are unable to travel. Cancellation is also covered if you or a traveling companion are required to self-isolate or quarantine abroad or in the UK. Additionally, cancellation is applicable due to a change of FCDO advice within 28 days of travel, as long as the advice wasn’t present at the time of booking or policy purchase. Furthermore, if you’re unable to use your pre-booked and previously paid-for accommodation due to Covid-19, cancellation coverage is provided.

It’s important to note that Churchill travel insurance will not cover cancellation if you have to quarantine upon return to the UK. For more details on Covid-19 coverage and its limitations, please refer to the policy documents.

Does Churchill Travel Insurance Cover Pre-Existing Medical Conditions?

Churchill may cover certain pre-existing medical conditions, although you will need to call their travel insurance helpline at 0800 032 6534 for a quote. Churchill defines pre-existing medical conditions as follows:

  • Any type of cancer
  • Heart conditions (e.g., heart disease or angina)
  • Diabetes and other circulatory conditions (e.g., high blood pressure)
  • Breathing conditions (e.g., asthma)
  • Gastrointestinal or digestive conditions (e.g., IBS and Crohn’s disease)
  • Gout
  • Any terminal diagnosis
  • Any medical condition where you’ve received advice, treatment, or investigation up to 12 months leading up to the start or renewal date of your insurance

If you require a specialist travel insurance provider that covers pre-existing medical conditions, consider referring to The Money Helper website (formerly known as the Money Advice Service) or comparison sites such as PayingTooMuch*.

Does Churchill Travel Insurance Have an Age Limit?

There is no upper age limit on Churchill’s Single Trip Travel Insurance. However, for the Annual Multi-Trip policy, the upper age limit is 74 years old. If you turn 75 during the policy term, your cover will remain the same until the policy ends. Afterward, you can only purchase Churchill’s Single Trip Travel Insurance.

How Much Does Churchill Travel Insurance Cost?

Churchill’s travel insurance policies offer competitive pricing based on factors such as age, health, and destination. For the purpose of this comparison, we’ve quoted the cost of a trip to Europe for an individual traveler with no underlying health conditions, aged between 20 and 80 years old. The quotes are based on 7 nights in Europe.

Churchill Single Trip Churchill Annual Multi-Trip
Policy excess £50 £50
Medical expenses £10m £10m
Cancellation £5,000 £5,000
Baggage £2,000* £2,000*
Individual trip limit Up to 90 days Up to 45 days
European policy cost (20 years old) £27.78 £69.14
European policy cost (30 years old) £27.78 £69.14
European policy cost (40 years old) £27.78 £69.14
European policy cost (50 years old) £28.06 £69.84
European policy cost (60 years old) £32.70 £81.41
European policy cost (70 years old) £60.04 £149.47
European policy cost (80 years old) £116.32 N/A

(*Optional extra but included in the above quotes. Quotes correct as of 15/02/23.)

Churchill Travel Insurance Policy Excess

When making a claim, you will be subject to a policy excess, which is the amount deducted from your expenses. For Churchill’s single and annual multi-trip policies, the typical excess is £50.

How to Claim on Churchill Travel Insurance

Claiming on your Churchill travel insurance policy is a straightforward process. You can either use their online portal or call 0345 603 3591 between 8am and 6pm, Monday to Friday. When filing a claim, make sure to provide original receipts, invoices, and documentation related to your claim.

If you’re claiming for a lost or stolen item, report the incident to the police within 24 hours. For cutting short your trip, contact 01252 740 050 to obtain authorization for expenses. For medical claims abroad, contact +44 (0) 1252 740 050 before receiving any treatment, if possible. The medical line is available 24/7.

Churchill Travel Insurance Customer Reviews

Churchill has received a customer review rating of 4.1 out of 5.0 stars on the consumer website Trustpilot, based on over 12,000 reviews. While 67% of customers rate Churchill as Excellent, 15% rate it as Bad. It’s important to note that these scores are based on the entire Churchill insurance group and not solely on their travel insurance policies. Some customers praise Churchill for their excellent customer service, while others have mentioned delays in claim processing. As with any insurance policy, it’s essential to carefully research and compare policies to ensure you find the right coverage for your needs.

Pros and Cons of Churchill Travel Insurance

Let’s take a closer look at the pros and cons of Churchill travel insurance:

Pros:

  • Enhance your policy with optional add-ons to tailor coverage to your needs.
  • Enjoy a 20% discount on single trip travel insurance.
  • Single and annual policies include cover for strikes (terms apply).

Cons:

  • Explorer travel insurance is no longer available.
  • Policies auto-renew unless canceled upon notification.
  • No refund on premiums for cancellations after the 14-day cooling-off period or single trip policies with coverage for less than one month.

Alternatives to Churchill Travel Insurance

To compare travel insurance policies and find the one that best suits your needs, consider using a comparison website like PayingTooMuch, Compare the Market, or MoneySuperMarket*. These platforms allow you to compare multiple travel insurance policies simultaneously, helping you find the most cost-effective option. However, be sure to carefully review policy details to ensure they align with your specific travel requirements. Keep in mind that some insurers, such as Direct Line, may not be featured on most comparison sites.

Here’s a comparison between Churchill travel insurance and two other comprehensive travel insurance providers: Direct Line and Staysure.

Churchill Travel Insurance vs. Direct Line Travel Insurance

Let’s compare Churchill travel insurance to Direct Line travel insurance:

Churchill Direct Line
Policy excess £50 £75
Emergency medical cover £10m £10m
Cancellation cover £5,000 £5,000
Baggage cover £2,000 (optional extra) £1,500 (optional extra)
Policy cost 7-night single trip to Europe (30-year-old) £26.24
(Quotes correct as of 24/08/23)

Churchill Travel Insurance vs. Staysure Travel Insurance

Now, let’s compare Churchill travel insurance to Staysure travel insurance:

Churchill Staysure
Policy excess £50 £0
Emergency medical cover £10m Unlimited
Cancellation cover £5,000 £10,000
Baggage cover £2,000 (optional extra) £5,000
Policy cost 7-night single trip to Europe (30-year-old) £26.24
(Quotes correct as of 24/08/23)

Summary

Churchill travel insurance offers comprehensive coverage options, particularly for older travelers with its single trip policy having no upper age limit. Although they no longer offer the Explorer policy for extended travel periods, their policies include essential coverage and optional add-ons that allow you to customize your policy. Churchill travel insurance also provides standard coverage for Covid-19-related claims. Whether you’re embarking on a single trip or multiple adventures, Churchill is a reliable choice. Compare Churchill to other top providers by reading our article on the best travel insurance in the UK.

(Note: Money to the Masses is an independent platform, and the affiliate links provided do not influence the content of this unbiased review. However, if you choose to use these links, Money to the Masses may receive a small fee, helping to keep their services free. If you prefer not to use the affiliated links, you can visit MoneySuperMarket, Compare the Market, or PayingTooMuch directly.)

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