Admiral Travel Insurance: Reviews, Policies, Login


Admiral logo next to a plane and suitcase

Admiral Travel Insurance Policy Types

We think Admiral Travel Insurance offers some of the most flexible options around. In this section, we will focus on the basic policy types and then go into the juicy details about optional extras (including gadget cover).

Admiral has the standard single trip or annual multi-trip policies:

  • Single trip: this is perfect for anyone taking one trip in the year, or an extended adventure for up to 365 days (maximum period covered). If you’re about to go backpacking this will probably one of the most important factors (make sure you check out the section on gadgets below too!).
  • Annual multi-trip: you can take as many trips as you like during the year, as long as each individual journey is no longer than 31 days.

For all of their policy types, Admiral provides three levels of cover:

  1. Admiral:
  2. the most basic cover, which is also the cheapest.
  3. Admiral Gold:
  4. rated highly with industry professionals and will give you a good level cover at bargain prices.
  5. Admiral Platinum:
  6. has all the bells and whistles, providing complete peace of mind. It also comes in much cheaper than other policies on the market!

Here are the key benefits that are covered as standard by Admiral Travel Insurance:

Cover
Admiral
Admiral Gold
Admiral Platinum
Excess
£100
£75
£50
Trip cancellation
£1,000
£2,500
£5,000
Medical expenses
£10 million
£15 million
£20 million
Personal belongings
£1,000
£1,500
£2,500
Personal accident
£5,000
£7,500
£12,500
Money and documents
£300
£400
£500
Personal liability
£3 million
£3 million
£3 million
Delayed/missed departure
£1,000
£2,500
£5,000
Legal assistance
£20,000
£20,000
£25,000
Hijack
£0
£0
£1,000
Catastrophe
£0
£1,000
£1,500

Legal assistance will cover any legal costs to help you claim damages or compensation for injury, illness or death which happens during your trip.

Upgrades: Gadget, Winter Sports, Cruise, Golf, Student Cover

As we mentioned, Admiral travel insurance policies are flexible and offer you choice, so you can design your policy with as much care as you did your trip.

Gadget Cover

Everyone has a smartphone these days so yours must be covered under travel insurance, right? Think again. Many insurance policies will exclude gadgets. You can choose gadget cover as an add-on with Admiral though.

a mobile phone

Admiral Travel Insurance will cover the following gadgets:

  • Cameras
  • Camcorders
  • Audiovisual/television equipment
  • Computers
  • Tablets
  • Gaming consoles
  • Electronic book readers (Kindles)
  • SatNavs
  • Mobile phones

Being a fairly new addition to the travel insurance family, gadget cover varies hugely between insurers. Always check you have the cover you need as the latest Macbook Pro is more expensive than most limits will pay out! Let’s see what Admiral could offer you:

Gadget cover
Admiral
Admiral Gold
Admiral Premium
Excess
£150
£75
£50
Overall limit
£1,000
£1,000
£1,000
Single item limit
£500
£500
£500
Maximum number of gadgets per claim
3
3
3
Unauthorised calls or data downloads* (Mobile Phones only)
£250
£250
£250

*Unauthorised calls or data downloads: if your phone is lost or stolen and is used fraudulently, this is the amount Admiral will pay you for calls, messages or data usage accumulated in the first 24 hours.

Winter Sports Cover

Heading to the snow? Lucky you! Don’t forget your mittens, and to upgrade your insurance to cover basic winter sports like skiing, ice skating and snowboarding. Here’s what Admiral could cover for an extra premium:

Winter Sports Cover
Admiral
Admiral Gold
Admiral Platinum
Lost, stolen or damaged ski equipment
£500 (£100 excess)
£750 (£75 excess)
£1,000 (£50 excess)
Piste closure
£200 (£20 daily)
£200 (£20 daily)
£200 (£20 daily)
Ski pack*
£500 (maximum £250 per week)
£500 (maximum £250 per week)
£500 (maximum £250 per week)
Delay caused by an avalanche
£200
£200
£200
Replacement equipment hire
£250 (£25 daily)
£250 (£25 daily)
£250 (£25 daily)

*If you are unable to ski because of an illness or injury, ski pack cover will insure you for unused, non-refundable costs associated with hired ski equipment, ski school fees and lift passes.

Cruise Cover

Heading for the high seas? If you get sick at sea and need to be taken to the mainland you can bet it won’t be cheap. Cruise cover offers valuable extras and will include many activities you might expect on the water, such as snorkelling. So relax into cruise control mode and pack your beach towel and travel insurance.

Here’s an overview of Admiral’s cruise add-on cover:

  • Missed port departure: if you miss the departure and have to pay for accommodation or travel to meet the boat at the next dock.
  • Unused excursions: if you’re sick or have an accident and miss any pre-booked excursions.
  • Cruise interruption: if you get sick during the cruise and need mainland medical attention, Admiral will pay for you to rejoin the cruise (up to your policy limit, of course).

Given the ratings the industry experts give Admiral’s cruise cover, we recommend looking at the Admiral Gold or Platinum policy for this insurance type. These protect you that little bit more by providing more comprehensive cover.

Golf Cover

Whether you’re planning on doing 18 holes a day or just the one, you should take out additional golf cover. It’s as easy as chip, swing, putt to add this to your policy. Here’s what Admiral could cover you for:

Golf Cover
Admiral
Admiral Gold
Admiral Platinum
Lost, stolen or damaged golf equipment
£1,500 (£150 excess)
£1,500 (£75 excess)
£1,500 (£50 excess)
Replacement equipment hire
£500
£500
£500
Lost green fees
£500
£500
£500

Student Cover

Yippee, you’ve finished your assignments, or at least you’re close! Congratulations, you deserve a long break to celebrate and unwind. Admiral Travel Insurance offers special cover for students going abroad. You can be away for up to 365 days, as long as you don’t return to the UK during your trip. We know that many of you will want to work or volunteer while away. Admiral will cover you as long as you’re not doing manual work.

Whether you are going on a global adventure or staying closer to home in Europe, we always recommend taking out travel insurance. You might think you’re covered with an EHIC card but local care is not always free and does not include repatriation. Also, with the looming Brexit date, you are only covered until 31 October (unless this changes). Read more about travelling to Europe and the EHIC card in our one-stop guide.


Admiral Travel Insurance Prices

While price alone should never be the main factor when choosing travel insurance, it’s important to know the market. In order to compare Admiral travel insurance prices, we have done a comparison for an annual policy including Europe for a 35-year-old woman with no pre-existing medical conditions.

While Admiral is much cheaper than the average for all three policies, the level of cover in some areas is also lower. For example, many sports that are covered as standard by other insurers are not included with Admiral. You may need to include ‘hazardous activities’ which will increase your premium, so factor this into your consideration. On the other hand, Admiral provides baggage as standard, which is often an add-on.

Also, industry professionals seem to agree that Admiral Gold and Platinum policies offer a good level of protection overall. Considering the prices compared to other insurers, this seems like a bit of a bargain to us!


Admiral Travel Insurance Reviews

We’ve scoured the web to bring you a collection of Admiral Travel Insurance reviews. It’s fair to say that Admiral gets impressive customer reviews overall and most of its policies are rated highly by industry professionals. That’s what we like to see!

Let’s take a look at a handful of customer reviews first. Across the following sites, ratings are for Admiral Insurance as a whole.

 Reevoo - There are more than 16,000 reviews for Admiral. Of these, 98% would buy again and customers really liked that enquiries are handled effectively. Quick and efficient to organise for a four day trip, also economical. Robert
 Reviews.io - There are more than 900 reviews and the average rating is three stars. We found the reviews on this site to be less positive than Reevoo, but there are insurance companies with much worse scores too. I will never insure anything with this company ever again. Worst experience I have ever had. Communication is shocking, all they can do is pass you on to someone else, no one wants to know. Gordon
 TrustPilot - Out of more than 5,000 reviews, the average rating for Admiral is four stars. A common theme among the comments is that sales agents are professional and helpful. This seems to support the customers’ comments on Reevoo too! Fantastic customer service, really good price. Perfect insurance company! Tomas

That’s what the customers are saying and it seems pretty good to us. What about the industry professionals then? Defaqto independently reviews travel policies in the UK based on quality and policy features. Here are the ratings it gives Admiral Travel Insurance:

Policy Type
Single Trip
Annual Multi-trip
Winter Sports
Cruise
Admiral
Admiral Gold
Admiral Platinum

As you can see, Admiral Platinum is a hit on its single, annual and cruise policies. Admiral Gold also scores well on these policies, but winter sports is not rated highly at all and we know you can find other winter sports with five stars out there.

Fairer Finance scores products based on the specific features that are included as standard. Its ratings for Admiral Travel Insurance are listed below:

Policy Type
Single Trip
Annual Multi-trip
Winter Sports
Cruise
Admiral
Admiral Gold
Admiral Platinum

Again, winter sports cover scores poorly across all levels of cover so keep this in mind. Cruise cover scores well though as does Admiral Gold and Platinum for single and annual trip policies.


Admiral Travel Insurance Login

a laptop

Admiral has a great online presence making it simple for you to make adjustments to your policy and information is always at the tip of your fingertips. If you purchase Admiral Travel Insurance you will also gain access to an online travel insurance portal where you can:

  • Manage your policy.
  • View your policy documents.
  • Get a new travel insurance quote.

This is a great service as you can do (nearly) everything online in a matter of minutes. We are creating a simple step by step guide to help you log in to the Admiral portal.


Admiral Travel Insurance Voucher Code

Want to save money on your Admiral Travel Insurance? At the time of writing, there were a number of voucher codes online. Our top pick is an exclusive 15% off a single or annual multi-trip policy through Vouchercloud. We like Vouchercloud because it’s so easy to use and they constantly refresh their deals.

To get 15% off using Vouchercloud, follow these steps (happy shopping!):

  1. Click on the ‘get code’ button (you will be automatically taken through to the Admiral website).

  2. Start your quote and enter your details.

  3. You will see your voucher code applied at the bottom of the screen.

  4. Your discount will be taken off the final policy total.

Top Tip! Deals are constantly changing and there are lots of great sites with Admiral deals. Shop around and you could save big, leaving more money for your holiday budget.


Admiral Travel Insurance: Claims

Before you even head on holiday, we recommend you read our top tips on how to make sure your travel insurance claim isn’t denied. If you need to make a claim with Admiral Travel Insurance, we recommend you do this via the online portal.


Can I Cancel Admiral Insurance Online?

You can cancel your Admiral policy over the phone (Admiral contacts page coming soon), providing that:

 Single Trip:

  • For policies that end within 28 days of the date of purchase, you can cancel at any time, but you will not receive a refund.
  • For policies that end 29 days or more after purchase, you can cancel within 14 days of the date of purchase or when you receive your policy documents (whichever is later) and you will receive a full refund. No refund will be given after 14 days, or once you make a claim or start your trip.

 Annual Multi-trip:

  • You can cancel within 14 days of the date of purchase or when you receive your policy documents (whichever is later). As long as you have not started a trip and no claim has been made, you will receive a full refund. No refund will be given after 14 days, or once you make a claim or start your trip.

Admiral Travel Insurance: Emergency Assistance and Complaints

Here you will find contact information for Admiral Travel Insurance should you need emergency assistance or to make a complaint. If you require emergency assistance, you should call Admiral on +44 292 010 7777. If you’re going away, keep this number somewhere safe (but close by). If you need to make a complaint you can find a list of useful phone numbers on our Admiral contacts page.

Find out everything you need to know about Admiral in Selectra's complete Admiral Insurance guide (coming soon). We also have a Admiral home insurance guide (coming soon) and a Admiral car insurance (coming soon) if you are interested in taking out one of these policies.


Data and information correct as of July 2019.

All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.

Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary (moneyadviceservice.org.uk offers free, independent advice on all financial issues).

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