Admiral Travel Insurance

To file a claim with Admiral travel insurance, follow these steps:

1. Confirm you are covered for the event by checking your policy booklet.

2. Gather all necessary supporting evidence such as cancellation confirmations, receipts, police reports (for lost/stolen items), medical certificates, or communication from travel providers or card companies.

3. Register your claim online by logging into your Admiral MyAccount and selecting the “Claims” tab.

4. Alternatively, you can report a claim by phone at 0333 234 9914, Monday to Friday 9:00-17:00 (closed weekends).

5. Provide all requested documentation to support your claim for quicker processing.

6. Be aware that depending on your claim type, an excess fee may apply.

7. Keep track of your claim status via the online portal; Admiral aims to review claims within 10 working days.

If your trip was canceled or cut short, you must provide proof of cancellation and any refund information from the company you booked with. For lost or damaged belongings, also provide a police report or written confirmation from hotel or transport providers.

The process is designed to be simple and convenient, with online submission preferred to speed up handling.

Key Points on Admiral Travel Insurance

• Admiral Travel Insurance, offered by the UK-based insurer Admiral (part of Admiral Group), provides single-trip and annual multi-trip policies with three tiers of cover—Admiral (basic), Gold (mid-level), and Platinum (premium)—tailored for UK residents, focusing on essentials like medical emergencies, trip cancellations, and personal belongings. Research suggests it’s a solid option for standard travel needs, especially for older travelers (up to 100 years for single trips), but reviews indicate variability in customer satisfaction, particularly around claims handling.
• Evidence leans toward positive aspects like competitive pricing and high medical cover limits (up to £20 million on Platinum), but some users report challenges with claims processes, such as delays or rejections, highlighting the importance of thoroughly reviewing policy terms.
• It seems likely that Admiral suits families or those with pre-existing conditions (if declared), with flexible add-ons for cruises, winter sports, or gadgets, though exclusions for things like supplier bankruptcy or certain Covid-19 scenarios may limit appeal for risk-averse travelers.
• Overall ratings vary across platforms: high on Trustpilot for the company (4.5/5), but lower specifically for travel insurance on sites like Smart Money People (around 2/5), reflecting a mix of praise for ease of purchase and criticism for claims experiences.

Reviews Overview

Customer feedback on Admiral Travel Insurance is mixed, with strengths in affordability and coverage breadth but concerns over claims efficiency. For instance, Which? rates the Platinum policy at 71% for its comprehensive features, while Smart Money People shows an average of about 2/5 from nearly 180 reviews, often citing frustrations with claim denials or documentation requirements.

Positive comments highlight helpful support during medical emergencies, while negatives include slow processing and rejections for pre-existing conditions or weather-related issues. Social media and forums echo this, with some users advising caution on claims. For a balanced view, compare with sites like Trustpilot or Reddit.

Admiral Travel Insurance Contact Information

For inquiries, Admiral’s customer service line is 0333 234 9913 (Monday-Friday, 9am-5pm). Emergency medical assistance is available 24/7 at +44 (0)292 010 7777. Claims can be started via phone at 0333 234 9914 or online through MyAccount at admiral.com. Email support is available for general queries, though specifics aren’t listed—check the contact page for live chat or app options. Visit https://www.admiral.com/contact-us for more.

Claims Process

To file a claim, log into MyAccount on admiral.com and select the claims tab, or call 0333 234 9914. Provide evidence like receipts, medical reports, or police reports; excesses apply (e.g., £50-£150 per person/section). Claims for medical emergencies or cancellations require prompt notification, and Covid-19 coverage is limited. Processing can take time, with some users reporting delays—aim to submit within policy timelines.

Policy Details

Policies cover medical expenses (£10M-£20M), cancellations (£1.5K-£5K), and belongings (£1K-£3K), with add-ons for specifics like cruises or gadgets. Exclusions include undeclared conditions, extreme sports without add-ons, or travel against FCDO advice. Download policy books from https://www.admiral.com/existing-customers/policy-documents.php.

Getting Quotes

Quotes are available online at admiral.com by entering trip details, traveler info, and medical declarations—prices vary by tier and add-ons. Comparison sites like GoCompare or MoneySuperMarket can help benchmark against competitors.

Admiral Travel Insurance serves as a prominent option in the UK market, providing coverage for both single-trip and annual multi-trip needs through its parent company, Admiral Group Plc, a FTSE 100-listed insurer headquartered in Cardiff. Established as part of Admiral’s broader portfolio—which includes car, home, and pet insurance—

the travel arm focuses on UK residents, requiring policyholders to be permanent UK residents registered with a UK medical practitioner and starting/ending trips in the UK (with exceptions for UK-only trips). The insurer emphasizes stress-free travel with features like high medical expense limits and personal belongings protection, but as with many providers, its effectiveness often hinges on individual circumstances, such as pre-existing medical conditions or trip specifics.

The product lineup includes three escalating tiers: Admiral (entry-level), Gold (balanced), and Platinum (top-tier), each building on the last with higher limits and additional perks. For example, emergency medical treatment and repatriation starts at £10 million for the basic tier, rising to £15 million for Gold and £20 million for Platinum, which is particularly appealing for those seeking robust health-related safeguards.

Cancellation or curtailment coverage follows a similar pattern: £1,500, £3,000, and £5,000 respectively, covering irrecoverable costs due to illness, injury, or unforeseen events like redundancy or home damage. Personal belongings are insured up to £1,000 (Admiral), £2,000 (Gold), and £3,000 (Platinum), with sub-limits for valuables and single items, while money and documents range from £300 to £500. Other standard inclusions encompass personal accident (£10,000-£25,000), personal liability (£3 million across all), and legal assistance (£20,000-£30,000).

Catastrophe cover, absent in the basic tier, provides up to £1,000 (Gold) or £1,500 (Platinum) for events like natural disasters. Excesses decrease with higher tiers: £100, £75, and £50, though they don’t apply to certain claims like delayed baggage or personal accidents.

Add-ons enhance flexibility, such as winter sports (up to 21 days on annual policies, covering equipment hire and piste closures), cruise cover (for missed ports or cabin confinement), and gadget protection (for loss/theft/damage to devices like phones or laptops). Covid-19 extensions are included for medical costs or cancellations due to positive tests or close relative hospitalizations, but exclusions apply for travel against Foreign, Commonwealth & Development Office (FCDO) advice or general quarantines.

Age limits are generous: up to 75 for annual multi-trip (or 90 in some cases), 85 for single-trip ski cover, and 100 for general single trips, making it suitable for seniors. Single-trip policies can span up to 365 days, ideal for gap years, while annual ones cap individual trips at 31 days (extendable with add-ons).

Exclusions are standard but noteworthy: no cover for undeclared pre-existing conditions, extreme activities without add-ons, travel for medical treatment, or losses from wear/tear, unattended items, or known events like announced strikes. Bankruptcy of travel suppliers isn’t covered, even on Platinum, which could be a drawback compared to competitors. Policyholders must notify emergencies promptly and seek refunds from airlines or card providers first (e.g., via EU261 or Section 75 claims) before insurer payout.

Customer reviews present a nuanced picture, with overall company satisfaction high on Trustpilot (4.5/5 from over 136,000 reviews, praising pricing and service), but travel-specific feedback more varied. On Smart Money People, it averages 1.99/5 from 179 reviews, with positives for easy purchasing and supportive emergency handling but frequent complaints about claim rejections (e.g., for weather delays or pre-existing issues), slow processing (up to months), and high excesses.

Which? scores policies at 59% (Admiral), 66% (Gold), and 71% (Platinum), commending dental cover (£400 on Platinum) and natural disaster inclusion but critiquing limited trip lengths and non-specialist handling of medical conditions. Forbes highlights it for older travelers and single-trip flexibility, while Reddit and MoneySavingExpert forums share success stories (e.g., smooth US claims) alongside frustrations like rude advisors or denied payouts for family deaths with prior health issues. Social media, including X (formerly Twitter), echoes delays and bureaucratic hurdles in claims, with users sometimes escalating to the Financial Ombudsman. Claim acceptance rates (2023 data) hover around 75-85%, slightly below averages in some categories.

Contacting Admiral is straightforward: general queries via 0333 234 9913 (9am-5pm weekdays), claims at 0333 234 9914, and 24/7 emergencies at +44 292 010 7777. Online portals handle most interactions, including policy access and complaints (escalate to the Financial Ombudsman if unresolved). For claims, initiate online via MyAccount or phone, submitting docs like invoices, medical certificates, or police reports; expect deductions for excesses and depreciation on items over 12 months old (e.g., 10% yearly for clothes). Delays under 12 hours or missed connections aren’t covered without add-ons, and first pursue refunds elsewhere.

Quotes are generated online by inputting trip type, destinations, durations, traveler details, and medical info, with options for add-ons; prices are competitive but rise with conditions. Comparison tools like GoCompare or Confused.com often feature Admiral, allowing side-by-side views. Policy documents, including guides dated by quote receipt, are downloadable from the site.

In summary, while Admiral offers value for straightforward trips, potential users should weigh mixed claims feedback and ensure full disclosure to avoid pitfalls.

Useful Links

• Holiday & Travel Insurance – Admiral
• Admiral Travel Insurance Review 2025 – Forbes Advisor UK
• Admiral travel insurance review – Which?
• Admiral Travel Insurance Reviews – Smart Money People