virgin single trip travel insurance

Travel insurance

• 1 Your Trip
• 2 Select cover
• 3 Extra cover
• 4 Your details

Further information

Single Trip A policy for a single trip that starts and ends in the UK, up to 90 days.

Annual Multi-Trip A 12-month policy that allows you to travel more than once. Up to 31 days for Red cover, 45 days for Silver cover and 94 days for Gold cover.

A policy for a single trip that starts and ends in the UK, up to 90 days.

A 12-month policy that allows you to travel more than once. Up to 31 days for Red cover, 45 days for Silver cover and 94 days for Gold cover.

Cruise is not covered as standard: If you are travelling on a cruise please purchase one of the Cruise Cover options on the Extra Cover page.

Depending on the cover selected, your choice of destination will be categorised on your schedule as follows.

Europe 1 (Single Trip only) Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, the Czech Republic, Denmark, Estonia, the Faroe Islands, Finland (including Lapland), France, Georgia, Germany, Hungary, Iceland, Ireland (Republic), Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Moldova, Monaco, Montenegro, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, the Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Sweden, Ukraine, the United Kingdom and the Vatican City.

Europe 2 (Single Trip only) All countries listed in “Europe 1” plus Cyprus, Gibraltar, Greece (including the Greek Islands), Malta, Spain (including the Balearic Islands and the Canary Islands), Switzerland and Turkey.

Europe (Annual Multi-trip only) All countries listed within Europe 1 and Europe 2 above.

Worldwide excluding USA, Canada, Mexico and the Caribbean All countries of the world EXCEPT: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire, St Eustatius and Saba, Canada, Caribbean Islands, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Puerto Rico, St Barthelemy / St Barts, St Croix, St Kitts and Nevis, St Lucia, St Maarten/ St Martin, St Pierre and Miquelon, St Thomas, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, the United States of America, Virgin Islands (UK), Virgin Islands (US).

Australia/New Zealand (Single Trip only) Australia and New Zealand.

Worldwide including USA, Canada, Mexico and the Caribbean All countries of the world.

Start typing the letters of the country or countries you plan to visit. Multiple countries can be added.

Cruise Cover You won’t be covered under this policy if you’re going on a cruise unless you select this cover, which will incur an additional premium. Cruise Cover also provides cover for the specific activities and risks associated with cruise holidays. This includes increased cover for your personal possessions, cover if you’re confined to your cabin, missed excursions, cover if your cruise is interrupted, missed port departures or any cruise itinerary changes.

Winter Sports You won't be covered under this policy whilst taking part in Winter Sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sport activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

Winter Sports

You won't be covered under this policy whilst taking part in Winter Sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sport activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

For example, DD MM YYYY

Important: For Annual multi trip policies you will not be covered for holiday cancellation until your policy start date. Please choose today's date if you want cover as soon as possible.

Your travel arrangements

A Couple Two people in a relationship living at the same address.

Family Up to two adults that are married or are civil partners, or are permanently cohabiting in a marriage-like relationship and up to five, unmarried dependent children (including adopted, foster and step-children) aged 17 or under. If divorced or separated, your natural children aged 17 or under.

Group A group of up to seven adults and/or children who may not all be related and are named on one policy schedule under a Single Trip policy. All members of the group must travel together.

Group A group of up to seven adults and/or children who may not all be related and are named on one policy schedule under an Annual Multi Trip policy. All children of the group must travel with the policy holder.

This person will be the policyholder. Use the format, DD MM YYYY

Medical declarations

Is suffering from a medical condition for which he/she:

• should have sought medical advice
• is under investigation
• is on a waiting list to undergo investigation, a medical procedure or in-patient hospital treatment
• is waiting for test results
• has been given a terminal prognosis

Is suffering from a medical condition which he/she knows will require medical treatment during an insured journey

Is intending to travel to get medical treatment abroad

Has at any time during the last five years been treated for alcohol or drug addiction

Is suffering from a psychiatric or psychological condition

Has ever suffered from:

• a cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension
• a lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)
• any form of cancer whether in remission or not
• a cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)
• a renal condition or diabetes

Suffered from a medical condition in the last 12 months for which he/she:

• is currently being prescribed or on regular medication?
• is receiving treatment of any kind
• has required an organ transplant or required dialysis

Is any relative or colleague of an insured person, or travelling companion or friend with whom you are going to travel or stay with, suffering from a medical condition which could reasonably be expected to give rise to a claim?

Your travel insurance policy can cover most pre-existing medical conditions.

Please tell us about any pre-existing medical conditions that you or anyone travelling on this policy have. By answering for them, you confirm you have the authority and will provide complete and accurate medical information about everyone to be covered. If you're unsure of any answers please contact the person who you're answering on behalf of. If you don't tell us about pre-existing medical conditions, it may result in part or all of a claim not being paid.

Eligibility criteria

You confirm and agree that:

• you are 18 years of age or over at the date of buying the Policy
• you and all persons to be insured have an address in the United Kingdom, Channel Islands or the Isle of Man; and
• you and all persons to be insured have lived in the United Kingdom, Channel Islands or the Isle of Man for at least 6 of the last 12 months; and
• you and all persons to be insured are registered with a GP in the United Kingdom, Channel Islands or the Isle of Man
• you and all persons to be insured are in the United Kingdom, Channel Islands or the Isle of Man when the policy is purchased and have not started a trip
• you and all persons to be insured will obtain any recommended vaccines, inoculations, or medications prior to your trip.

Why Virgin Money?

• Covid-19 cover for cancellation, medical treatment and repatriation – as standard*
• 5 Star Defaqto Rated cover (Silver and Gold policies)
• 24/7 medical emergency helpline – wherever you are in the world

*Please check your policy wording for full details and any exclusions.

Product information

• Single Trip and Annual Multi Trip Policy Wording
• Single Trip and Annual Multi Trip Insurance Product Information Document (IPID)
• Essential Information and Demands and Needs

Call 0330 175 8283

Our team are here to help:

Monday to Friday 9am-5pm Closed Saturday, Sunday and Bank Holidays

Telephone calls may be recorded for security purposes under our quality control procedures. Calls are charged at local rates from landlines and mobiles.

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Best travel insurance companies and policies 2024

In this article

How do you find the best travel insurance?

Best travel insurance policies, best travel insurance: companies and policies compared.

• What's the best type of travel insurance?
• How can I save money on travel insurance?

How much travel insurance cover do I need?

How to compare travel insurance companies, 'great' cover isn't great if your insurer won't pay out.

The best travel insurance can't stop things going wrong on holiday, but it can prevent problems – medical issues, cancellations, delays or losses – from having a huge impact on your finances.

Our experts compared more than 40 travel insurance companies, scrutinising hundreds of policies, each with more than 60 areas of cover. 

We've assessed information on medical expenses, baggage and valuables cover, flight cancellation, compulsory excesses and many other factors to bring you our Best Buy travel insurance policies.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Compare travel insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

We looked at 44 travel insurers, comparing 129 policies. See our results in the table below.

We rated 18 policies as Best Buys – here are the three highest scoring:

Barclays - Aviva Travel Insurance (Travel Pack)

• 91% policy score - 1st out of 129 policies rated. 

We like: Barclays was the most consistently impressive policy we rated, scoring well in 61 of 66 areas we examined. In addition to high cover levels (for example, £10,000 cover for cancelling your trip), it has comparatively low compulsory excesses of £50. 

We don't like:  The Travel Pack is only available as an annual worldwide policy at a cost of £174 a year, and can only be purchased by Barclays current account customers. You may find cheaper cover that meets your needs more specifically from other providers. 

• Read our full Barclays travel insurance review.

InsureandGo - Black

• 87% policy score - joint 2nd out of 129 policies rated.

We like:  You don't pay excesses if you claim. Missed departure cover for outgoing, connecting and returning flights.

We don't like:  You can't claim if your travel provider or airline goes bust. 

• Read our full InsureandGo insurance review .

Nationwide - FlexPlus Worldwide Travel Insurance

We like:  Nationwide's policy is one of a minority that contains insolvency cover (which you can claim on if either your holiday company or airline goes bankrupt). It also has a high medical expenses claims limit of £10m.

We don't like:  Like Barclays' cover, this policy comes as part of a packaged bank account (costing £156 a year) which might not be the best fit for your needs.  

• Read our full Nationwide insurance review .

Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

Here's the full details of our findings in the tables below – to access each table, use the 'Select a table' dropdown below.

• The 'Best Buys' table shows the policies that meet our exacting Best Buy criteria . When choosing these, we check for key features of cover as well as data on complaints and claims acceptance rates. 
• The 'All policies'  table shows all policies we've rated. Of all policies reviewed, scores ranged from 22% to 91%. To find a specific policy or provider, begin typing its name in the search bar. 

We've also written comprehensive reviews of the best 18 insurers overall – just click on the links in the table to read them.

Best Buy policies 2024

Table note:  All ratings are for policies available to new customers, and the details were gathered in a survey carried out in April 2024. The information should be considered correct to then. We will next update our policy scores in June 2025. See our full methodology . This table has been updated in August 2024.

If a brand isn't listed in the table it means it didn't take part in our survey and hasn't been reviewed.

  What's the best type of travel insurance?

When picking travel insurance consider the number of foreign trips you'll make over the next 12 months, where you'll go and who with.

• Single-trip and multi-trip (annual cover) Single-trip insurance is aimed at people who are making a single, one-off journey. Multi-trip (annual) provides ongoing cover for 12 months. If you take three or more trips per year, multi-trip (annual) is likely to work out cheaper, and you don't have to tell the insurer when or where you're travelling.
• European, worldwide and USA cover European-only cover is usually the cheapest type and worldwide including USA (and often the Caribbean) is the most expensive due to high medical costs. If you have no intention of going to these destinations over the next 12 months, save money by buying cover that excludes them.
• Individual, couple or family cover You'll have the option to choose how many people to cover under a single policy, although if a member of your party needs specialist cover due to age or health, costs may change.
• Specialist insurance options If you have more specific requirements, for example due to age, or type of holiday, we've assessed the best options for you below. Best cruise insurance • Best travel insurance for over 60s • Best travel insurance for medical conditions • Best ski insurance
• Unexpected events cover Your policy may include cover for unexpected events, like bankruptcy of the holiday supplier, strikes, civil unrest and more. We've listed which providers' policies have the best unexpected events cover.

  How can I save money on travel insurance?

While travel insurance premiums haven't gone up as dramatically as car and home cover, costs appear to have risen in recent years.

Take these average prices, shared with us by the comparison site Go.Compare:

Source: Go.Compare, based on average quotes in May 2023 and 1-9 May 2024.

These are averages, and so you're likely to pay:

• Less if just buying cover for yourself
• More if you're older
• More for longer trips or trips to certain destinations (such as the USA)
• More if you have a pre-existing medical condition

Whatever your situation, chances are you can reduce costs by comparing travel insurance. An annual policy may work out cheaper if you travel multiple times a year.

When should you buy travel insurance?

You should buy travel insurance on the same day you book your holiday.

One of the best features of travel insurance is that it covers you if you're unexpectedly forced to cancel the trip and stand to lose money as a result.

If you leave buying your insurance until the last minute, you won't benefit from this protection, even if some providers might make it slightly cheaper.

With this in mind, you should buy your insurance as soon as you book your holiday – unless you already have annual cover in place.

Should you buy travel insurance from the tour operator or airline?

When you buy your holiday, whether that's through a traditional package provider or a budget airline, you're likely to be offered insurance at the same time.

But cover offered as an add-on to your trip is unlikely to be tailored to your needs and could be more expensive. Always check the wider market to see if you can get better cover for less.

If you do buy add-on insurance, make sure it covers any medical conditions that you have.

Do you already have insurance?

Some packaged bank accounts come with travel insurance as a sweetener, so if you have a packaged account, check whether cover is included.

If you do have travel insurance with your bank account, check its terms carefully and make sure it meets your needs. Does it cover you for trips outside Europe? Will it cover your medical conditions?

If it doesn't, call your bank to see if you can add the cover you need or look for a standalone policy that meets your needs.

You might also have some of your insurance needs met if you have personal possessions cover with your home contents insurance . These policies often protect things you carry on your person (such as gadgets or jewellery) around the world, from loss, damage or theft.

Do you need travel insurance if you have an Ehic or Ghic?

Yes, you still need travel insurance. 

A Global Health Insurance Card (Ghic) – the replacement for the Ehic – is a medical card that can be used throughout the EU. It entitles you to treatment in state hospitals for the same price paid by the residents of the country you're visiting. If they get free treatment, so do you.

But it won't cover the costs of medical transportation (for example ambulance bills or being flown back to the UK where medically needed), alongside costs of cancelling your holiday or returning early, replacing lost and stolen possessions, and many other things – that's what travel insurance is for.

• Find out more:  The Ehic and Ghic explained  

While it can be tempting to get the cheapest cover you can find, this could prove a false economy. Everyone's specific cover needs will be different, but as a starting point, we recommend looking for policies with these minimum levels of cover:

• Medical expenses:  £5m
• Cancellation cover:  £2,000 – or the full cost of your holiday (which may be higher or lower)
• Personal belongings: £1,500 – or the value of your possessions
• Personal liability cover: £1m

Many sports won't be covered as standard, such as skiing and snowboarding , so you'll need to get cover that includes this, or add it on for a fee.

Cruises require a special type of cruise insurance . If you're considering working abroad, or spending a couple of months abroad, you may need 'backpacker insurance'.

1. Check our tables and reviews

We've assigned each travel insurance policy a policy score, reflecting how comprehensive the cover is overall.

It's important to remember, however, that travel insurance is complex – so even policies with high policy scores won't necessarily cover everything you're looking for. For a more detailed look at some of the larger and higher-scoring providers, see our individual travel insurer reviews.

2. Get a travel insurance quote

While looking at our reviews, you can get a quote for travel insurance using the service provided by Confused.com.

You might be able to save by using multiple comparison sites. 

Some insurers don't sell through comparison sites, including NFU Mutual and Direct Line , and specialist medical insurers .

Both the government's MoneyHelper website and the British Insurance Brokers Association have directories of such insurers.

An insurance broker can find affordable cover for unusual scenarios that most insurers won't cover.

3. Check the T&Cs

Before you buy, check the policy wording to make sure you understand what your policy covers, and what it doesn't.

If there are specific reasons you've bought the cover, check these sections to make sure they meet your expectations. Also, check the policy's general exclusions and conditions. If anything in the policy is unclear, contact the insurer.

Finally, check what protection your holiday provider offers, because if something goes wrong, you might need to seek compensation from it first before your insurer will accept your claim.

Dean Sobers, Which? insurance expert says:

'According to claims data published by industry regulator the Financial Conduct Authority, travel insurers are some of the least likely to pay out. 

Roughly a quarter of claims made on single-trip and annual European policies were declined in 2022 (the latest stats available). With most kinds of insurance, payout rates are above 90%.

Even if a policy appears to be brimming with features and high levels of cover on paper, it may be backed by an insurer that has a less-than-brilliant track record when it comes to honouring these apparent promises. When you claim, insurers can't technically add new exclusions or ignore commitments in their policy wording as they choose – but it's an unfortunate fact that some policies are less straightforward than others, and can prove disappointing when actually tested against the real world.

Our Best Buy endorsement primarily means the policy offers comprehensive levels of cover as written (you'll see a more detailed explanation as to what we mean by this below). 

We also check the latest available data on how often the insurers accept claims and also how regularly they lose when customers bring complaints to the Financial Ombudsman Service . We don't award our Best Buy badge to providers shown to be lacking when it comes to these aspects of their service.

The truth is, no policy is perfect and no provider gets it right every time when it comes to claims. But when picking a Best Buy, you get the assurance that we think its cover looks genuinely impressive – and that we haven't seen evidence suggesting it fails to do in practice what it says on the tin.'

Frequently asked travel insurance questions

How much in advance should i get my travel insurance.

The best time to get your travel insurance is the day you book your trip.

This ensures that you're covered from the get-go against any unexpected events that might arise before your departure, like having to cancel, even though the travel insurance doesn't start until the day you go abroad.

While it's possible to purchase insurance even up to the day of your travel, you'll miss out on this cancellation cover and won't necessarily save money.

Does travel insurance cover cancelled flights?

This depends on whether you can no longer make your flight or the airline has cancelled it.

If the airline cancels your flight, it is generally their responsibility to find an alternative flight or to give you a full refund.

If you can no longer make your flight, perhaps due to illness or accident, then it is not the airline's responsibility. If you have taken out a travel insurance policy and depending on the reason you can no longer fly, you may be able to claim some of the flight costs back. 

You should also check the airline's conditions of carriage if you are going to miss your flight last-minute to see whether you can be moved to an alternative flight.

Can I buy travel insurance after departure?

Yes you can - but you'll need to get a special type of policy called 'post-departure insurance'.

Unfortunately, you're likely to pay more and get less cover than if you had bought standard travel insurance.

Post-departure insurance won't cover incidents that have already happened, such as a delayed flight on the way out. It generally applies from the day after buying, not the same day.

Even though you'll need to cover fewer days, the specialised nature of post-departure insurance means it's likely to cost more per day and overall.

The best approach is to buy standard travel insurance on the same day you book your holiday. Although the insurance only needs to cover the dates of your holiday, from the moment of buying it you'll be covered if, for instance, you need to cancel your trip.

Can I get travel insurance if I'm pregnant?

You can get travel insurance if you're pregnant, especially if your trip is less than 28 weeks into your pregnancy.

Many insurers still offer cover for trips after that point, but check with them before buying, and bear in mind airlines may request extra details such as a letter from your doctor.

Pregnancy is not considered a pre-existing medical condition so you shouldn't have to tell your insurer or pay more.

Standard travel insurance will cover emergency medical care, but ask insurers if antenatal care after premature births will be covered, or cancellation due to pregnancy-related complications.

In general, travel insurance won't pay out if you cancel a trip simply because you're pregnant - it's worth asking airlines and accommodation providers if you can reschedule.

Do I need travel insurance for the UK?

Potentially, depending on the type of trip you've booked.

Many travel insurers will cover the UK; if you have an annual policy check if it includes UK travel.

The main advantage of travel insurance for the UK is cover if you need to cancel your trip (such as because of illness) or lose baggage.

In general, travel insurance only covers paid-for accommodation, sometimes with a minimum duration. So stays with friends and family wouldn't be covered.

Nor will you need travel insurance for medical cover, due to the NHS - though visitors to the Isle of Man and Channel Islands may need insurance for repatriation to the mainland.

Your home contents insurance may cover personal possessions outside the home, but you may have to pay high excesses.

Do I need travel insurance for Europe?

Yes, travel insurance is essential for European holidays. 

The European Health Insurance Card (Ehic) and Global Health Insurance Card (Ghic) only entitle you to public medical care at the price locals pay.

That's only in the EU, Switzerland and a few other countries however, and won't cover associated - and very high - costs such as for rescue from ski slopes or repatriation to the UK.

Nor will the Ehic and Ghic cover cancellations or lost baggage, unlike the best travel insurance policies.

• Find out more: The Ehic and Ghic explained  

Does travel insurance cover cruises?

Some, but not all, policies will offer specialised cover for cruises.

In some cases cruise cover will be an optional add-on.

This includes scenarios such as being ill and confined to your cabin, missing your departure during an excursion, or the intinerary being changed. 

We've listed which policies cover cruises and how good they are in our guide to the best cruise insurance .

Does travel insurance cover skiing?

As with cruises, this depends on your policy.

Winter sports cover may be included as standard within your travel insurance, or as an optional add-on.

It should cover scenarios such as piste closure, avalanche delay and air ambulance rescue from the slopes.

We've listed which policies include or offer winters sports cover, and rate that cover, in our guide to the  best ski insurance .

How do I claim on my travel insurance?

For emergency medical claims, your travel insurer will have a 24/7 phone line. It's worth saving the number if your phone prior to travelling.

To make other claims, you may be able to claim by phone and/or online. Don't leave it more than a couple of weeks to claim, as there may be time limits.

• Find out more: How to claim on your travel insurance   

What medical conditions do you have to declare for travel insurance?

Any current or recent medical conditions that haven't been disclosed to your insurer will almost certainly be automatically excluded from your policy. 

When you declare a condition, you'll go through a medical screening process where you give the insurer information about your medical history. When you buy insurance by itself, this will usually form part of the application process. 

With some providers (for example where the cover is included with a holiday or a bank account), you may need to contact the insurer separately to have the conditions added. If you're uncertain about what needs to be declared, it's best to contact the insurer. 

• Find out more:  Best travel insurance if you have a medical condition  

How else can you protect your holiday?

Travel insurers only expect you to claim with them if you've been unable to recover your money through other channels.

Book with a Which? Recommended holiday provider

If a package holiday firm cancels your holiday, or airlines can't fulfil flights, you're entitled to a refund by law.

• Find out more:  Your legal rights with package holiday companies

Atol protection

If you buy a package holiday that includes flights from an Atol-protected firm, you'll get your money back if it goes bust. You'll also be repatriated if this happens while you're on holiday.

Your credit card provider

If you can, pay for your holiday with a credit card .

If you pay with a credit card for services costing more than £100 and less than £30,000 that aren't provided as advertised, you can claim the money back from your card supplier if the seller (ie the holiday company) won't refund you.

• Find out more:  Section 75

Banks have similar schemes to help you recover money for services that haven't been fulfilled as paid for. These are known as chargeback.

Chargeback can be used to recover debit and prepaid card payments, as well as credit card payments below £100.

Banks aren't legally bound to do this in the same way as credit card providers are under Section 75, so you should always pay for amounts over £100 with a credit card if possible.

How we analyse travel insurance

Our editorial independence means we are able to work on behalf of consumers, not insurers. That means our reviews are fair and there's no hidden agenda.

Policy score

The policy score rates how comprehensive the cover is in a policy – the higher the better.

We've looked at 129 policies, examining 66 elements of cover in each.

Policies are given points for each element of cover, reflecting how competitive their cover is compared with what other policies offer. The policy score shows how well the policy did overall. 

Based on our assessment of which elements are more or less important for customers choosing and using travel insurance, we adjust the impact that points earned in each area has on the overall policy score.

Among the highest-weighted elements are medical expenses cover, cancellation cover and the compulsory excesses on the policy.

How we pick Which? Best Buys

Our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. 

It doesn't reflect customer service. However, we do look at claims statistics published by the Financial Conduct Authority and complaints data from the Financial Ombudsman Service, where these are available. We won't give a Best Buy badge to providers shown to reject higher-than-average numbers of claims or that have a poor track record when it comes to complaints.

Policies named as Best Buys did well in our analysis of cover, with a policy score of at least 71%.

Additionally, Best Buy policies scored well consistently across different areas of cover. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the features we compare (see 'Policy score' for more).

Lastly, all Best Buy policies must provide – either as standard or as an option – the following levels of cover as a minimum:

• £5m cover for medical expenses – with emergency medical repatriation and some cover for emergency dental treatment
• £2,000 cancellation and travel abandonment cover – including cancellation in the event that the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination country because of natural disaster after you've insured your holiday
• Cancellation cover because of the illness, injury or death of a close family member or a person you were planning to stay with 
• Cover for travel delays – including cover for missing your outgoing or returning flight due to delays
• £1,500 cover for baggage
• £2m personal liability cover

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More questions on travel insurance? Take a look at our guides:

• Best travel insurance for pre-existing medical conditions
• Best travel insurance for seniors
• Best cruise insurance
• Best ski insurance
• The Ehic and Ghic explained  
• Golf travel insurance explained  
• How to claim on your travel insurance

Compare travel insurance

Find the right policy for your holiday using the service provided by Confused.com

Travel insurance reviews

• All Clear travel insurance review
• Admiral travel insurance review
• Avanti travel insurance review
• Avion travel insurance review
• Aviva travel insurance review
• Barclays travel insurance review
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Virgin Money Travel Insurance

Find out if virgin money has the right travel insurance for your next trip.

In this guide

Who is Virgin Money?

Virgin money and pandemic cover.

• What are Virgin Money's cover options
• What's covered under these policies?

What is my excess?

What is the claims process for virgin money travel insurance.

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.

Who underwrites Virgin Money's travel insurance?

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.

• Single trip cover
• Annual multi trip cover
• Backpacker travel insurance
• Optional extras

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 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.

• Winter sports are covered as standard
• Hassle free for all-year cover

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
• Travel disruption cover
• Winter sports cover
• Adjustable excess levels
• Business 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
• Delayed baggage
• Personal money
• Cancellation
• Delayed departure
• Missed departure
• Trip cut short

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.

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: [email protected].

If you would rather write to Virgin Money, the mailing address is: Virgin Money Travel Insurance Claims One Victoria Street Bristol Bridge Bristol BS1 6AA

Travel insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Chris Lilly

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Virgin Money launches new digital travel insurance including covid-19 cover

17th March, 2022

• Travel insurance policies include option to add enhanced Covid-19 cover
• Features Covid-19 pre departure and overseas cover as standard
• Fully digital which means policy holders can buy, update and track claims online

As confidence in overseas travel beings to build, Virgin Money has today launched a new range of travel insurance policies designed to appeal to a wide group of travellers.

Virgin Money has revealed that customer spend on flights and travel agents was seven times higher in the first two months of the year (January and February 2022) compared to the previous two months (November and December 2021) with travel agent spend reaching ten times the level it was previously and customers spending three times more on flights*.

Tanya Barnard, Head of Insurance at Virgin Money, said : “As we emerge from the pandemic, our new digital policies have been built to help the nation feel more secure about travelling. We’ve already seen a surge in customers booking holidays and trips so far this year and we expect that to continue. Being able to change details, access policy documents, make and track claims and renew policies online, together with enhanced Covid-19 cover, will help give travellers added peace of mind when it comes to booking holidays.”

The gold and silver policies have attracted 5 Star Ratings from Defaqto which said each was ‘an excellent product with a comprehensive range of features and benefits’.

All three new policies include as standard cancellation cover if a traveller is diagnosed with Covid-19 within 14 days of their booked departure date, as well as cover for emergency medical treatment and repatriation if someone contracts Covid-19 while abroad. There is also an option to add enhanced Covid-19 cover for Europe. The policies also include gadget cover with up to £750 cover for accidental or malicious damage, loss or theft as standard with the option to add enhanced cover up to £3000.

There is no maximum age for single trip policies and Virgin Money will also cover the vast majority of pre-existing conditions too.

Virgin Money offers both annual multi as well as single trip policies with red, silver and gold levels of cover to choose from. As well as enhanced covid cover and gadget cover, the policies also offer winter sports, cruise, car hire excess options.

The new policies have been developed in partnership with Hood Group and are underwritten by ERGO. They replace Virgin Money’s previous policies which haven’t been on sale since the end of November 2021.

As well as Virgin Money’s new single and multi-trip annual policies, Virgin Money Club M customers already enjoy travel insurance cover built into their packaged current account along with mobile, gadget and UK breakdown cover**.

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Virgin Money Travel Insurance Review: Is it Right for You?

• All plans include Baggage and SAFI
• Can buy direct or through comparison sites
• No compensation for any air miles, cruise miles or holiday points used to pay any part of a trip
• No cruise specific cover (e.g., Cabin confinement, Emergency airlift to hospital, Missed port, Unused excursion)

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Find Cheap Travel Insurance in Your Area

Protect your holiday today. Quick quotes from 20 insurers.

Virgin Money offers solid value across a number of travel insurance plans that cater to a range of needs, from those on a budget up through premium holiday cover. All plans include the three critical aspects of holiday cover: Cancellation, Emergency Medical and Baggage. Plus, you'll get cover for Delayed Departure and Scheduled Airline Failure on most plans, and Winter Sports included on most Annual, Multi-Trip policies. Read our review to learn about features and prices of Virgin Money travel insurance—plus we'll explain the main differences between buying direct from the Virgin Money site versus buying through a comparison site, to help you decide where to buy.

• Virgin Money Overall Review
• Virgin Money Price Comparison
• How Virgin Money Plans Differ on Comparison Sites
• Virgin Money Features, Policy Limits and Coverage Options

Virgin Money Policy Wording

There is no "best" travel insurance—the best for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Virgin Money Travel Insurance Review: What You Need to Know

Virgin Money offers a series of holiday cover plans for reasonable prices, to suit those wanting a budget plan with just £1,500 of Cancellation and £1,000 of Baggage all the way up to those with more luxury holidays needing up to £7,500 for Cancellation and £3,000 of Baggage cover per person.

The cheapest Virgin Money travel insurance is the "Economy" plan, which is only available through comparison sites . The top-tier plan is the "Gold" plan, and this is only available directly from Virgin Money. Here's a high-level overview of their plans:

What's included?

Trip Cancellation, Emergency Medical, Legal Assistance, Personal Accident and Personal Belongings/Baggage are included on all policies—as is Scheduled Airline Failure . But end supplier failure is only on Premium and Gold plans (the top tier from comparison sites and direct).

Even the lowest tier plan includes some Missed Departure and Baggage Delay cover. However, there's no protection against natural disasters such as tsunamis, earthquakes, landslides, volcanic eruptions (including volcanic ash clouds), hurricanes, etc.

Like many other travel cover plans, kids basically go free (up to 3 children under the age of 18, per insured adult).

For those heading to the slopes, Winter Sports is optional now (they used to include it on annual plans). In terms of other travel insurance add-ons , cruise-specific cover is not an option on Virgin Money travel insurance, so if you're going on a cruise you may want to consider other holiday cover providers for access to features like Cabin Confinement, Unused Excursions and Missed Port.

Pre-Existing Conditions: As part of the online application you'll be asked a series of brief medical questions. If you have a medical condition, Virgin Money may be able to offer cover for some pre-existing medical conditions , for which you'll probably be required to pay a higher premium. Pre-existing conditions are only covered if they've been fully declared, accepted and paid for.

Covid: Virgin offers pretty good Covid benefits. Here's a sample of what's covered, extending Cancellation and Curtailment cover.

Cancellation:

• You, Your Relative, a member of Your household or travelling companion or a friend with whom You had arranged to stay has a diagnosis of COVID-19 within 14 days of Your booked departure date, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19.
• You being denied boarding on Your prebooked outbound travel due to You contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius.

Curtailment:

• Death of Your Relative or a member of Your household living in the United Kingdom contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius.
• The hospitalisation as a result of COVID-19 for treatment with mechanical ventilation, of Your Relative or a member of Your household living in the United Kingdom.

How do Virgin Money Travel Insurance Prices Compare?

Virgin Money travel insurance premiums are in line with market averages. Only Virgin's top-tier Black plans cost more than the average cost of holiday cover (shown by yellow bars in the charts below), whether you're travelling to geographies like Europe or America . Given that Baggage and Travel Delay are covered on all plans, we think Virgin Money offers solid value for money.

However, insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Buying Direct vs Using a Comparison Site

There are two ways to buy a Virgin Money travel insurance policy: direct from Virgin Money or via a comparison site like MoneySuperMarket. Broadly speaking, the cheapest plan is Economy, which is only available from comparison sites; the plan with the highest cover is the Gold plan, only available from Virgin Money direct.

There are pros and cons to both sources in terms of features and price points. We'll try to explain the differences to help you understand whether buying direct or through an aggregator (e.g., a comparison site) better suits your individual needs.

If the lower limits of the Economy or Standard plan are good enough for your needs then you can probably save money buying through the comparison site because our research revealed that the cost of Virgin Money's "cheapest" cover from each source can easily be 40% to 50% cheaper when buying through the comparison site —that is, Economy plans are consistently cheaper than Red plans.

Benefits of Buying via Comparison Site

If you're after a budget travel insurance plan, the cheapest holiday cover from Virgin Money is the Essential Plus plan, which is available only on comparison sites. Depending on details like geographic cover, you'll probably find cheaper plans on comparison site, but for a given level of cancellation cover, you might get higher limits in some other areas. For example, Red (direct) has £3,000 of cancellation as does Premium (comparison site), but Premium has higher limits for emergency medical, personal accident, personal possessions, financial failure, missed departure and more. But Red has higher travel delay benefits. And the excess is twice as much on the Premium plan. Also, direct plans include some level of gadget cover (and you can buy more), but comparison site plans only cover gadgets if you buy the add on. So there are trade offs.

Types of Virgin Money Travel Insurance Policies

Virgin Money offers five tiers of travel insurance—Economy, Standard, Premium, Red, Silver and Gold. The first three (Economy, Standard, Premium) can be purchased on a comparison site; Red, Silver and Gold are available direct from Virgin Money. All policies include Emergency Medical, Baggage and Cancellation/Curtailment.

Winter Sports cover can be added to Single Trip plans for an additional cost but is INCLUDED in Annual, Multi-Trip plans.

The upper age limits vary depending on whether you buy direct or through an aggregator site. Plans bought from comparison sites have lower upper age limits, so people in their 70s or above may have better success buying direct.

Age Limits When You Take Out a Virgin Money Travel Insurance Policy

While you can take as many trips as you want each year with a Virgin Money Annual, Multi-Trip policy, there are limits on trip length, depending on your age.

Virgin Money Trip Lengths for Annual Policies Vary According to Policy Type

• Economy: 31 days
• Standard: 31 days
• Premium: 45 days
• Red: 31 days
• Silver: 45 days
• Gold: 94 days

Single trips are limited to 90 days, unless agreed by them in writing.

Cover Limits

Here is a quick, high-level recap of what's on offer from comparison sites and direct:

For further information, please review the policy documents. If you would like us to go into more depth here, please let us know in the comments section at the bottom of this review!

Gadget and Valuables Extension:

Direct plans receive some level of gadget cover (e.g. for loss up to £500 for Red and Silver and £750 for Gold); plans bought from a comparison site don't include gadget as standard. But prior to leaving your home area, if you pay the appropriate extra premium Virgin Money can extend your cover to:

Unauthorised usage is limited to £1,000 for all options.

Notable Features

Here are some highlights of features available on Virgin Money travel insurance policies. Standard features like Medical and Personal Liability are also included on Virgin Money policies, limits for which can be found below in the Policy Limits section . For more complete details like inner limits and exclusions, please refer to the policy documents .

Bottom Line: We like that all Virgin Money plans include Baggage, which is the most common reason to claim on holiday cover. A range of reasonably-priced plans mean there's cover for a variety of customer profiles, from those heading on a cheap and cheerful holiday in the sun to those who have more at risk for a premium holiday.

• Virgin Money Policy Wording for Comparison Sites
• Virgin Money Policy Wording for Direct Sales

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

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Fly direct from London Heathrow with Virgin Atlantic during our seasonal service.

From 27th October 2024, Virgin Atlantic will operate daily flights to the Maldives.

Book your holiday today!

From 26th October 2024, Virgin Atlantic will operate daily flights to Dubai.

Our seasonal Virgin Atlantic service will resume on the 28th October 2024 , with two direct* flights. Service operates on Mondays and Thursdays. *Direct flights include a short touchdown in Barbados

From the 1st December 2024 - 28th March 2025 , direct flights will depart Wednesdays, Fridays and Sundays.

Fly direct* with Virgin Atlantic, from London Heathrow three times a week. Direct* service operates on Mondays, Wednesdays and Sundays

From the 27th October 2024 - 01 December , this service will reduce to two direct* flights, departing on Wednesdays and Sundays

*Direct flights include a short touchdown in Barbados

Fly direct* with Virgin Atlantic, from London Heathrow two times a week. Service operates on Tuesdays and Saturdays

From the 29th October 2024 , an additional direct* flight will depart on Fridays.

Flights depart on Thursdays and will include a short touchdown* in Barbados.

From the 28th October 2024, fly direct Mondays, Tuesdays, and Thursdays.

From the 2nd November 2024, fly direct on Saturdays.

From the 25th November 2024 - 29th March 2025, flights will depart Mondays, Tuesdays, Thursdays and Saturdays.

From the 30th March - 30th April, flights will depart on Tuesdays, Wednesdays, Fridays and Sundays.

*During the short touchdown, passengers and luggage for Antigua will remain on the aircraft.

Daily direct flights from London Gatwick to New York with our partner airline, Delta, operates between 10th April and 26th October 2024.

Fly direct with Virgin Atlantic, from London Heathrow two times a week. Flights depart Tuesdays and Thursdays.

From the 30th October to 30th November, flights will depart Wednesdays and Saturdays.

From the 4th December 2024, flights will depart Wednesdays and Fridays.

This service ends 21st February 2025.

Our new direct, daily Virgin Atlantic service to Toronto commences 30th March 2025

Fly direct with Virgin Atlantic, from London Heathrow daily . Our seasonal Virgin Atlantic service from Manchester to Barbados will resume on the 28th October 2024

Our seasonal Virgin Atlantic service from Manchester will resume on the 28th October 2024 . Direct service operates on Mondays, Thursdays, Saturdays and Sundays

From the 13th January 2025 - 2nd March 2025 an additional direct flight will depart on Wednesdays

Direct flights to Montego Bay operate on Wednesdays, Saturdays, and Sundays.

From 24th February 2025, direct flights will operate on Mondays, Tuesdays, Thursdays and Saturdays.

Flights departing on Mondays, Tuesdays, Thursdays, and Fridays include a short touchdown* in Nassau or Turks & Caicos until 23 February 2025.

*During the short touchdown, passengers and luggage for Montego Bay will remain on the aircraft.

Fly direct with Virgin Atlantic, from London Heathrow two times a week. Flights depart Mondays and Fridays.

From 29th October 2024, our direct service will depart Tuesdays, Thursdays, and Sundays.

This service ends 23rd February 2025.

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To book online please select a maximum of 9 passengers, to book 10 adults or more please call 0344 557 3978

Please note: Drivers must be over the age of 21 to hire a car unless otherwise specified. Drivers between 21 and 24 years of age may be subject to additional costs.

Holiday insurance tailored to your next adventure

We know it's hard to concentrate on Seizing the Holiday without first having peace of mind.

Whether you are taking the children or grandchildren to Disneyland, tying the knot in Vegas, or relaxing on a Caribbean cruise we've got a policy to cover you. Booking your travel insurance through Virgin Atlantic gives you the reassurance that we have you covered from the start to finish of your holiday.

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Need travel insurance for your family holiday? Our Single Trip Travel Insurance offers great value cover at an affordable price.

Single Trip - Cruise Insurance

Our specialist cruise policy offers additional benefits including: Cruise connection, Missed port, Cabin confinement, Excursions cover.

Providing peace of mind whilst on holiday:

• COVID-19 - cover for medical expenses and cancellation if you become ill or have to quarantine due to COVID-19
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Virgin Money and Virgin Red offer exclusive Travel Insurance rewards for Virgin Red members

We know taking travel insurance out can be one of the least exciting ‘To Dos’ when planning for a trip, but that's all about to change with Virgin Red and Virgin Money . Virgin Red members will be rewarded for taking out travel insurance, so you can explore the world feeling safe and spoiled.

Virgin Money Annual Multi-trip Travel Insurance

If you’ve got a few trips coming up, Virgin Money’s annual multi-trip travel insurance will give you the peace of mind you need to truly relax.

What could be more relaxing than that? 3,500 Virgin Points that's what, from your friends at Virgin Red.

With Virgin Money’s Annual Multi-Trip insurance , you can choose up to 94 days’ worldwide cover per trip, with everything you care about covered – from your gadgets to your health.

Added benefits

Covid cover included - cancellation and medical expenses are covered by Virgin Money, as standard, if you’re diagnosed with Covid-19.*

Gadget cover as standard, plus optional extras​ - from Enhanced Gadget and Enhanced Covid Cover – to cover for winter sports, car hire excess, and more (fees apply).

On hand to help, 24 hours a day, 365 days a year - help is just a phone call away with Virgin Money’s worldwide medical emergency assistance helpline. ​

Your policy at your fingertips - looking after your policy is now a breeze, thanks to Virgin Money’s handy new online portal – from downloading docs to making a claim, all in one place.

*Please check your policy wording for full details and any exclusions.​

The Virgin Money travel insurance has three levels of cover : Red, Silver and Gold, so you can choose which suits you and your needs best.

Managing your travel insurance is a breeze. Simply register online then unwind knowing you can do anything from updating your personal details, to making a claim, all in one place. 

The fun part - spending your points

Virgin Red members are rewarded for everyday spending, and with everything from the biggest brands in retail, travel and entertainment to smaller treats or exciting new start-ups, there are so many different rewards which anyone would enjoy. Members can also use Virgin Points for good by supporting a number of different charities or helping develop technology to remove carbon from the atmosphere. 

What will you put your points towards? Your next flight, getaway or holiday? Navigating the world of Virgin Wines? Or another Virgin Red treat, experience or exclusive? Enjoy deciding.

Buy your travel insurance today with Virgin Red and Virgin Money and earn 3,500 Virgin Points.

Terms and conditions

Who can take up this offer? 

Virgin Red Members who are 18+ and resident in the UK. 

How do you take up this offer? 

It’s important that you follow these steps to make sure you are eligible for this offer. If you don’t, you might not get your points... and we don’t want that!

Buy a Virgin Money Annual Multi Trip Policy (the Policy) via the offer in the Virgin Red app or Virgin Red website.

You’ll see the offer listed in the “Earn Points” section of the Virgin Red app and website.

Just click on “Get Points” when you want to go ahead. This will link you to the offer page on the Virgin Money website.

From there, click on ‘Get a quote’ and fill in your policy requirements to receive a quote.

Make sure you choose the Annual Multi-trip Policy. The Policy start date must be within 45 days of buying the Policy.

When you’re happy to go ahead, pay for the Policy. o You will receive a confirmation email from Virgin Money.

You need to hold the Policy for at least 45 days to be eligible for the Offer before points are credited to your Virgin Red account. If you or Virgin Money cancel the Policy before 45 days, you won’t be eligible for points. 

This offer can’t be used in conjunction with any other offer. Points are only offered in year one of the policy. 

What is the offer?

If you meet the offer conditions, we’ll give you a Virgin Red promo code. You can redeem this code with our friends at Virgin Red to get 3,500 Virgin Points. 

We’ll send you an e-mail with your promo code within 28 days of you meeting the offer conditions. We’ll send your code to the e-mail you gave when you bought the Policy. The email will provide instructions on how to redeem the code within the Virgin Red app or website.

Your Virgin Red promo code can be used until 30 April 2023. Make sure to redeem your code before then.

Only one Virgin Red promo code will be generated per eligible Policy.

After you’ve redeemed your Virgin Red promo code, the points are added to your Virgin Red account. There is no specific expiry date for using the points. You’ll be free to use them in line with Virgin Red’s programme terms. You can find the terms here [ http://policies.red.virgin.com/terms ].

We thought we should highlight a few key things from Virgin Red’s terms: 

the points don’t have a cash value and they can’t be swapped for cash;

the available offers can change from time to time; and

the points cost for each offer can change too. 

Although we’ll be working closely with our friends at Virgin Red on this promotion, we aren't responsible for their terms, their marketing, or any of the offers available through their app. Just contact Virgin Red or the relevant offer provider if you have any questions about these topics. 

When can you take up the offer?

The offer will be available on an ongoing basis until we withdraw it. We can withdraw the offer without giving you any advance notice, but we’ll try to give some notice if we can.

The offer is subject to availability. This means we will definitely withdraw it when we’ve used up our stock of Virgin Red promo codes.

You don’t need to worry if we withdraw the offer when you’re part way through meeting the offer conditions. As long as you've bought the Policy before we withdraw the offer, you can still qualify. You’ll just need to continue to meet the rest of the conditions. 

What else do you need to know? 

You can only benefit from this offer once.

We’ll use your personal information to help us run the offer.

English law applies to the offer.

Standard Virgin Money Travel Insurance Policy conditions apply.

 If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t control, or it’s not our fault, then we may have to change the offer. This includes suspending the offer or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes. 

Who is the promoter?

We are Clydesdale Bank PLC trading as Virgin Money.

Our company number is SC001111.

Our registered office is 30 St Vincent Place, Glasgow, G1 2HL.

Virgin Red and Virgin Money give new customers 20,000 reasons to switch

Unlock Virgin Red: How to earn Virgin Points with a Virgin Money M Plus Account or Club M Account

Who wants to be a virgin points millionaire.

Travel insurance questions and answers

Page contents, managing my policy, questions about covid cover.

• Who is covered?

Questions about Claims

• What is covered?

If you haven’t received an email from us with instructions on how to register and view your insurance documents, please email us at [email protected] and we’ll email these to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

Please contact us via Live Chat by logging in to your account and then clicking on the “Chat with us” button or email us at [email protected] to cancel your policy. We will give you a full refund if you cancel within the 14 days of the receipt of your documentation and you have not started a trip or made or intend to make a claim.

Your right to cancel within 14 days does not apply to Single-trip policies where the journey ends within one month of the policy purchase date.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address on the policy when purchased.

If you want to amend any of your personal details please contact us via Live Chat by logging in to your account and then clicking on the “Chat with us” button.

If you want to make a change to your policy cover including changing your dates or extending your trip, please contact our Team on 0330 175 8283. Please note, any amendment on your policy may result in a change in premium.

If we haven't answered your travel insurance questions above, or you would prefer to speak to someone, please give us a call.

Call us on: 0330 175 8283

Opening times: We're here from 9am to 5pm Monday to Friday. Closed Saturday, Sunday and Bank Holidays.

Our Standard Covid cover is included within all policies at no extra charge. It provides you with:

• Cancellation if you have a COVID-19 diagnosis within 14 days of your departure
• Emergency medical treatment and repatriation if you contract COVID-19 abroad

To be covered, you need to have received all doses of the COVID vaccine that you’ve been offered, including any booster jabs. You will also be covered if you can’t have the vaccine due to a medical exemption. If you have refused any doses of the COVID vaccine or any booster jab, then you won’t be covered for COVID related claims.

Who is covered

Our Family policy covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a Group Annual multi-trip policy. This can only be done through our call centre currently, so please call us on 0330 175 8283, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our policies if you are 18 years of age and over.

If you purchase your policy through the Virgin Money website, we have no upper age limit on our Single trip policies. For our Annual multi-trip cover you must be aged 80 or under at the start of the policy period.

If you purchased your insurance through a comparison site such as Moneysupermarket.com you must be aged 85 or under for Single trip policies, or 75 or under for Annual multi-trip policies.

Children under the age of 18 must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

When an airline cancels a flight, you are entitled to certain refunds and compensation from the airline.

We ask that before you contact us in relation to costs arising from the recent spate of flight cancellations that you first directly approach your airline, tour operator or packaged holiday organiser.

If you are unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

If something doesn’t go as planned during your trip, help is just a phone call away:

• Medical emergency assistance (24 hour) +44 (0) 1403 788 702** If in the USA or Canada call +1 877 311 3720 or Mexico, please call +1 786 206 9921
• Claims (lost baggage, holiday cancelation, non-emergency medical and travel delay) +44 (0)1403 289 151**
• Gadget claims 0330 175 7850

Or visit your claims portal to log a claim online .

Please note, claims for Gadget, End Supplier Failure, Scheduled Airline Failure and Medical Emergency cannot be logged though the claims portal.

Our helpful how to make a claim guide has everything you need to know.

If you need to make a claim you should contact your Travel Agent, Tour Operator, airline, accommodation, or credit card provider for a refund in the first instance.

Our helpful how to make a claim guide has everything you need to know. Alternatively, you can call our claims team on 01403 788 701.

What is covered

We understand that no two holidays are the same and so we offer six different travel insurance products direct from our Virgin Money website or through comparison sites such as MoneySuperMarket, all created to allow you to tailor your policy to suit your needs.

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you have a Couple, Family or Group policy, the limits and excesses will be for each of you individually.

To see your policy wording, please log in to your account .

You should ensure that each of the holidays you are planning will be covered by the policy you have selected.

This will all depend on what you want to be covered for and who you are travelling with. You may want to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could potentially need emergency treatment for abroad.

If you are only planning to travel once in a year, then a Single trip policy could be more appropriate for you. Single Trip policies do cover you to travel to multiple destinations, but you will need to ensure that you advise us of all destinations at quote stage.

If you are planning to go on holiday more than once in a year, then an Annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel. You’ll also be covered for Cancellation from the start date of your Annual multi-trip policy, offering you value and peace of mind from the start.

Turkey is covered under Europe. You can find more information within our quote journey by clicking ‘further information’ where we ask you what type of travel insurance you need.

For Single trip policies, the maximum trip duration is 90 days unless agreed by us in writing.

For Annual multi-trip policies, the maximum duration of cover available, unless otherwise shown on your Policy Schedule, is:

• Red / Economy / Standard - 31 days
• Silver / Premium - 45 days
• Gold - 94 days

Our Red, Silver and Gold products, offered via our Virgin Money website provide you with Gadget cover as standard. The amount of cover will vary depending on what cover level you purchase (see ‘What do your policies offer’ ). All benefits are per person, per claim.

If you think you will need additional cover for your gadgets, we offer a Gadget extension which allows you to increase your coverage for theft, loss, accidental & malicious damage, up to £3,000 depending on what cover level you choose.

For policies purchased through a comparison site such as MoneySuperMarket, Economy, Standard, Premium, there is no Gadget cover provided as standard, but you can add cover to your policy within the quote and buy journey, which will provide you with £1,000 of theft, loss, accidental & malicious damage cover, per person, per claim. This will be shown on your quote and welcome schedule.

We offer Cruise Cover as an option for an additional premium. If you are going on a cruise, this cover must be selected for your policy to be valid.

Cruise insurance provides cover for the specific activities and risks associated with cruise holidays such as increased cover for your personal possessions, cover if you're confined to your cabin and missed excursions, or cruise itinerary changes.

If you purchase/purchased a Red, Silver or Gold policy directly through the Virgin Money website, you can find a full list of sports activities covered as standard at no extra cost in the policy wording .

If you purchase/purchased an Economy, Standard or Premium policy through a comparison website, you can find a full list of activities covered as standard at no extra cost in the policy wording .

If an activity or sport that you’re looking to take part in is not listed within our policy wording, contact us on Live Chat and we’ll see if there’s anything we can do.

You won't be covered under this policy whilst taking part in Winter Sports unless you select this cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

If you purchase/purchased a Red, Silver or Gold policy directly through the Virgin Money website and selected Winter Sports cover, you can find a full list of Winter Sports activities that you will be covered for in the policy wording .

If you purchase/purchased an Economy, Standard or Premium policy through a comparison website and selected Winter Sports cover, you can find a full list of sports activities covered in the policy wording .

If an activity that you wish to take part in is not listed, please contact us via Live Chat by clicking on the “Chat with us” button and we can see if there’s anything we can do to help.

No, Virgin Money Travel Insurance does not cover business or voluntary work unless in a restaurant.

You are covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider’s guidelines before travelling as they may have restrictions.

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are excluded.

Provided you have not already left the UK, a Virgin Money travel insurance policy will provide you with cover as soon as your purchase has been confirmed.

Yes, our Single Trip and Annual multi-trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you have pre-booked at least two nights’ accommodation.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands).

The benefits, limits and excesses within your policy are per person, per claim. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually.

No, only UK residents who are registered with a UK GP can purchase travel insurance from Virgin Money. You must purchase travel insurance before leaving the UK, if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

If any of your details change then you will need to contact us on 0330 175 8283 as soon as possible to update your policy.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.