
Holiday insurance can be a lifesaver if you're planning a trip abroad. With Admiral's holiday insurance, you can rest assured that your belongings are covered.
Admiral's holiday insurance covers your belongings against loss, theft, or damage. This includes luggage, passports, and travel documents.
If you're planning a trip to Europe, it's worth noting that Admiral's policy covers you for up to 90 days. This is great news for those who like to take their time exploring the continent.
Admiral's holiday insurance also offers additional features, such as cancellation cover and travel disruption cover. These can be a real lifesaver if your trip is cancelled or delayed due to unforeseen circumstances.
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Coverage and Limitations
If you have a pre-existing medical condition, Admiral travel insurance can still be an option, but you'll need to declare it when buying your policy, or your policy will be invalidated.
Admiral's policy allows for cover for pre-existing medical conditions, but if you have a more serious condition, you might not be able to find suitable cover.
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You can find a list of providers that offer cover for customers with medical conditions on the MoneyHelper website or by calling the Money and Pensions Service (MaPS) for impartial advice on 0800 138 7777.
Admiral also offers various cover levels, including up to £2.5K cover for loss, theft, or damage of your personal belongings.
You can choose from three cover levels and add optional extras to tailor your policy to your needs, making it a flexible option for holidaymakers of all ages, including those up to 85 years old.
Belongings
You can claim up to your policy limits if your personal belongings or luggage are lost, stolen or accidentally damaged during your trip.
The policy schedule includes a table of benefits to show the limits that apply, so be sure to check that out.
Up to £2.5K cover is available for loss, theft or damage of your belongings, which can provide a lot of peace of mind when traveling.
Some sections of cover have specific limits for individual items or in total, such as for valuables.
Each section of cover has a limit on the amount that will be paid, per person, per trip unless stated otherwise.
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Annual Cover Holidays?

If you're planning to take multiple UK holidays throughout the year, you might be wondering if annual travel insurance is the way to go.
Annual travel insurance can be a convenient option, but it's essential to know what's covered. For example, Admiral's annual policy covers trips to Northern Ireland, England, Scotland, Wales, the Isle of Man, and Channel Islands.
To be eligible for coverage, you must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights. This means you can enjoy your UK holidays with peace of mind, knowing you're protected in case of unexpected events.
With Admiral's annual policy, you can choose from three different cover levels to suit your needs, and add optional extras to tailor your policy to your requirements. This flexibility is especially helpful for younger or older travellers, as Admiral's policy covers holidaymakers up to 85 years old.
Coverage

Coverage is a crucial aspect of travel insurance, and Admiral's policies have some specific rules to keep in mind.
Admiral travel insurance is not a private medical insurance policy, so you won't be covered for private medical treatment if there are suitable state facilities nearby.
If you have a pre-existing medical condition, you must declare it when buying your policy, or it will be invalidated. Admiral does offer travel insurance for pre-existing medical conditions, but if you have a serious condition, you might not be able to find cover.
You can get up to £20m cover for emergency illness or injury under the Medical Expenses section of your policy.
To get private medical treatment covered, you'll need to have it pre-authorised by the Emergency Assistance Service.
If you're travelling in Europe, Australia, or New Zealand, you can access public health services for free, and you won't be required to pay any excesses on the Medical Expenses section of your policy.
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Here are some key things to remember about pre-existing conditions:
- Declare all pre-existing conditions on your policy
- Get written confirmation that Admiral will cover your medical condition
- Pay any additional premium in full
Unfortunately, Admiral can't cover all medical conditions, so if you have a serious health condition, you might need to look elsewhere for insurance.
Claims and Process
To make a claim with Admiral travel insurance, you'll need to register your claim online or by calling 0333 234 9914. You can only register a claim if you've returned from a trip and need to claim, had a trip cancelled and you're due to travel within the next 30 days, or if you're abroad and have a medical emergency or need to cut short your trip.
You'll need to provide original receipts, invoices or medical records to support your claim. Admiral may also ask for confirmation of the original booking and which parts are non-refundable, as well as evidence you've tried to get your money back through the airline, tour operator or accommodation provider.
If you're abroad and have a medical emergency, call Admiral's 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777 before going into hospital or incurring medical expenses over £500.
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Claims

To make a claim, you should refer to the relevant section of the FAQs for information about what's covered under your policy.
If you're abroad and have a medical emergency, please call our 24-hour emergency assistance helpline on +44 292 010 7777 before going into hospital or incurring medical expenses over £500.
To register your claim, you can either call 0333 234 9914 or do it online.
Before submitting a claim, you should make sure you've returned from your trip and need to claim, had a trip cancelled and you're due to travel within the next 30 days, or are abroad with a medical emergency.
You'll need to provide original receipts, invoices, or medical records to support your claim, as well as evidence that you've tried to get your money back through the airline, tour operator, or accommodation provider.
To be covered for a cruise trip, you must add our cruise cover upgrade, otherwise your policy won't be valid.
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Here are the steps to register a claim:
- Return from your trip and need to claim
- Had a trip cancelled and you're due to travel within the next 30 days
- Abroad with a medical emergency
You'll need to provide:
- Confirmation of the original booking, and which parts are non-refundable
- Evidence you've tried to get your money back through the airline, tour operator, or accommodation provider
- Other supporting evidence relevant to your claim
Claims and Process
If you need to cancel your trip, Admiral will cover costs up to your policy limit for things like deposits or parking fees.
You can buy a policy online or through their call centre, and cancel it at any time online or through their call centre.
If you cancel your policy within 14 days of the cover start date, you'll receive a full refund if you haven't started any trips and haven't made any claims.
You can cancel your policy online or through their call centre, and they'll provide more details on how to contact them if you need to.
Admiral will not refund you if you cancel your policy after 14 days, or if you've already started a trip or made a claim.
Can I Get One-Way Insurance?
If you're planning a one-way trip, you might be wondering if you can get one-way travel insurance. Unfortunately, Admiral doesn't offer one-way travel insurance.
You'll need to be traveling from and returning to the UK in order to buy Admiral's cover.
Details

Travel insurance policies can vary in terms of coverage and cost. Admiral offers three levels of travel insurance, with Admiral being the most basic and cheapest option.
If you're planning a long trip, it's essential to check the policy details to ensure you're getting the right cover. The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year.
You can take as many trips as you want within 365 days with an Annual Multi-Trip policy, but each trip must last no more than 31 days. If you need cover for longer trips, you can request it when getting a quote.
Repatriation is covered as standard with Admiral's holiday insurance, including emergency medical treatment. The amount covered depends on the tier you choose, with Admiral covering up to £10m, Gold up to £15m, and Platinum up to £20m.
You can refer to the policy schedule to see the specific dates covered by your policy.
Travel and Destinations

Admiral holiday insurance covers a wide range of activities, including skiing, snowboarding, and other winter sports, which is essential for those planning a winter wonderland getaway.
If you're planning a trip to Europe, it's worth noting that Admiral offers a 15% discount for online bookings, which can help save you some extra cash for souvenirs.
For those looking for a relaxing beach vacation, Admiral's insurance policies also cover activities such as scuba diving and snorkeling, giving you peace of mind to enjoy your time in the sun.
Worldwide
If you're planning a trip abroad, you'll be glad to know that Admiral offers worldwide cover for customers up to the age of 75 years for annual multi-trip policies and up to 85 years for single-trip policies.
In the event of a medical emergency while you're abroad, it's essential to call Admiral's 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777.
You can get cover for trips to over 180 countries, but the age limit and level of cover will depend on your personal information and details of your holiday.
Admiral's worldwide cover includes emergency medical treatment and repatriation, up to £10m, and personal accident cover, up to £10k.
Here's a quick rundown of what's covered:
- Up to £10m emergency medical treatment and repatriation
- Up to £10k personal accident cover
- Up to £1.5k cancellation cover
- Up to £1k for lost, stolen or damaged personal belongings
- Up to £300 for replacement money or travel documents
- Up to £3m personal liability cover
- Up to £20k legal assistance
Restricted Travel Destinations
Traveling to certain destinations can be restricted due to various reasons. You might be surprised to know that there are places you can't travel to under your policy, despite having a comprehensive plan.
The Foreign, Commonwealth and Development Office (FCDO) advises against traveling to certain destinations. The FCDO's foreign travel advice page is a great resource to check before planning your trip.
If the FCDO advises against traveling to a particular destination, your policy won't cover you. It's essential to check the FCDO's website or call 020 7008 1500 for more information.
You can't travel to a destination if the FCDO advises against it, no matter which policy you have. This is a crucial consideration when planning your trip, so be sure to check the FCDO's advice before booking.
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Travel and Destinations

Traveling to Australia? Consider getting travel insurance to cover medical bills, as a broken leg can cost £12,000 to get you home.
You can buy travel insurance to Europe from the UK, but make sure to purchase it before you go through Customs.
In some countries, medical costs can be steep, so it's a good idea to have insurance to cover unexpected expenses.
You can't buy travel insurance once you've left the UK, so plan ahead and get coverage while you're still at home.
EHIC Validity in Turkey
When traveling to Turkey, it's essential to know the EHIC validity in the country. The GHIC and EHIC don't work in Turkey, so you'll need travel insurance in place or enough money to cover the cost of any medical treatment you receive.
Make sure to research and purchase travel insurance that covers you for medical expenses in Turkey. This will give you peace of mind and financial protection in case of an emergency.
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You can buy a policy online through the Admiral website or through their call centre. This makes it easy to get the protection you need for your trip.
If you need to cancel your policy, you can do so at any time online or through the call centre. This gives you flexibility and peace of mind.
Admiral offers a range of benefits, including up to £10m emergency medical treatment and repatriation. This is a huge relief if you fall ill or get injured while abroad.
You'll also get up to £1.5k cancellation cover, which can help if you need to cancel your trip due to unforeseen circumstances. This is a great safety net to have.
Other benefits include up to £1k for lost, stolen or damaged personal belongings, and up to £300 for replacement money or travel documents. These can be a real lifesaver if you lose your passport or wallet.
In addition, Admiral offers up to £10k personal accident cover and up to £3m personal liability cover. This gives you protection in case of an accident or if you're held liable for something.
Admiral's excess is £100, so keep that in mind when you're considering your policy.
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Cruise

Planning a cruise vacation can be a thrilling experience, but unexpected events can quickly ruin the fun. Missed port departures are a common issue, and having insurance can help cover the costs.
Cruise travel insurance is a must-have for any cruise traveler. Admiral cruise travel insurance, for example, offers cover for missed port departures.
Cabin confinement can be a real bummer, but with cruise travel insurance, you can rest assured that you'll be covered in case you need to stay in your cabin due to illness or accident.
Unused excursions due to illness or accident are another common issue that insurance can help with. This way, you can enjoy your cruise without worrying about losing money on excursions you won't be able to use.
Cruise interruption due to medical needs is a serious issue that requires immediate attention. Having insurance can help cover the costs of medical treatment and transportation.
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Cancellation cover is also offered by Admiral cruise travel insurance, which means you can get a refund if you need to cancel your trip due to unforeseen circumstances.
Here are some key benefits of cruise travel insurance:
- Missed port departures
- Cabin confinement
- Unused excursions due to illness or accident
- Cruise interruption due to medical needs
- Cancellation cover
Special Considerations
If you have a pacemaker, you'll need to declare it when taking out a policy or if it's fitted after purchasing a policy. You can still get travel insurance with a pacemaker, but Admiral may not be able to offer cover.
It's essential to take enough prescription medication for your entire trip, including extra in case of travel delays. This way, you'll be prepared for any unexpected situations.
If you run out of medication or it's lost or stolen, Admiral will pay for the cost of additional medication or replacing it, with a policy excess applying in some cases.
Lost Belongings
If your personal belongings are lost, stolen, or accidentally damaged during your trip, you can claim up to your policy limits, which is up to £2.5K.

It's essential to take precautions to minimize the risk of loss or theft, but accidents can still happen. You can claim up to your policy limits if your luggage is lost, stolen, or accidentally damaged during your trip.
If you run out of prescription medication because you were unable to return home as planned because of illness or injury, the policy will pay for the cost of additional medication, with a policy excess applying.
If your prescription medication is lost or stolen, you can get a refund for the cost of replacing it, with a policy excess applying.
Pre-existing Conditions
If you have a pre-existing condition, you must declare it when getting a quote to see if Admiral can offer cover and to avoid invalidating your policy.
You'll need to declare all your conditions, pay any additional premium in full, and have written confirmation that Admiral will cover your medical condition.
If you're unsure what to declare or can't find your condition on the medical conditions list, call 0333 234 9913.

Admiral can't cover all medical conditions, and if you have a serious health condition, they recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777.
If you have a serious medical condition, you might not be able to find cover with Admiral.
Here's a list of what you need to do if you have a pre-existing condition:
- Declare all your medical conditions
- Pay any additional premium in full
- Get written confirmation that Admiral will cover your medical condition
If you can't find suitable cover, the Money and Pensions Service (MaPS) can help.
Dental Treatment Options
If you're looking for dental treatment while abroad, you're covered for up to £400 for emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area.
You can get advice and treatment for minor ailments at pharmacies and public health facilities, which can often be found locally.
To make a claim, keep all your receipts and call the claims line on 0333 234 9914.
Remember to declare any pre-existing conditions, such as HIV, when buying your insurance.
Mountain and Helicopter Rescue Included?

Mountain and helicopter rescue is included in our add-on, covering you in the event of injury or illness.
Winter Sports and Activities
If you're planning a trip to Lapland, you'll need to consider winter sports insurance to cover activities like husky sledge driving. This is a policy upgrade that you can add to your Admiral Travel Insurance policy.
If you're involved in a winter sports activity, you'll be covered for personal accident up to the policy limits and personal liability up to £3 million. However, this doesn't apply to Snowmobile/Ski-Doos, which excludes both personal accident and personal liability cover.
Admiral offers winter sports insurance as a policy upgrade, which covers a range of risks, including lost or damaged ski equipment, piste closure, and accommodation fees due to delays caused by avalanches. This upgrade also covers replacement ski equipment hire and ski pack cover if you become ill or injured.
The winter sports cover is limited to a maximum of 21 days per policy term, so if you're a seasonaire, you won't be able to cover the entire season with Admiral's policy.
Insurance Options and Providers
Admiral offers a range of holiday insurance options, including single-trip and multi-trip policies.
You can choose from three levels of cover: Standard, Premier, and Ultimate, each with varying levels of protection.
Admiral's policies also include 24/7 emergency assistance, which can be a lifesaver if you need help while abroad.
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Who Underwrites?
Admiral travel insurance is underwritten by Admiral Insurance (Gibraltar) Limited, regulated and authorised by the Financial Conduct Authority (firm reference no. 220858).
This means you're protected by a reputable company that's been vetted by a trusted regulatory body.
Platinum
The Admiral Platinum insurance policy is a comprehensive option that offers a wide range of benefits.
It includes up to £20m emergency medical treatment and repatriation, which is a significant amount of coverage.
You can also get up to £5k cancellation cover, which can be a lifesaver if you need to cancel your trip due to unforeseen circumstances.
The policy covers up to £2.5k for lost, stolen or damaged personal belongings, which is a useful feature for travelers.

In addition, Admiral Platinum offers up to £500 for replacement money or travel documents.
You'll also get up to £25k personal accident cover, which provides financial protection in the event of an accident.
The policy also includes up to £3m personal liability cover, which can help protect you from costly lawsuits.
You'll also have access to up to £30k legal assistance, which can be a huge help if you need to deal with legal issues while abroad.
The policy has a £50 excess, which is the amount you'll need to pay out of pocket before the insurance kicks in.
Here are the key benefits of the Admiral Platinum policy at a glance:
- Up to £20m emergency medical treatment and repatriation
- Up to £5k cancellation cover
- Up to £2.5k for lost, stolen or damaged personal belongings
- Up to £500 for replacement money or travel documents
- Up to £25k personal accident cover
- Up to £3m personal liability cover
- Up to £30k legal assistance
- Up to £1.5k catastrophe cover
- £50 excess
General Information
Holiday insurance from Admiral is designed to provide financial protection against unexpected events that may disrupt your trip.
Admiral offers a range of holiday insurance policies, including single-trip and annual multi-trip options, to suit different travel needs.
You can purchase Admiral holiday insurance online or over the phone, and it's usually available 24/7.
Liability and Legal Assistance

Our policy covers personal accident up to the policy limits, which means you'll be supported with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
Personal liability cover is also included, with a limit of £3 million. This applies to winter sports activities listed in the winter sports cover section of our policy wording.
However, there's an exception for Snowmobile/Ski-Doos, which excludes personal accident and personal liability cover.
If you're a seasonaire, you can still buy our cover, but keep in mind that our winter sports cover is limited to a maximum of 21 days per policy term.
Subscription Cancellation and Refund Policy
You can buy a policy online through the Admiral website or through their call centre. This is a convenient option for those who prefer to manage their policies digitally.
To cancel a policy, simply head online (via email or web chat/messaging) or give their call centre a call. They're available to help.

If you're not satisfied with your policy, you can cancel it within 14 days from the cover start date shown in the policy schedule. This is a relatively short window, so be sure to check your policy schedule carefully.
You'll receive a full refund if you cancel your policy within this 14-day period, as long as you haven't started any trips or made any claims. This is a great safety net for those who need to make changes to their policy.
After 14 days, or if you've started a trip or made a claim, you won't be eligible for a refund. It's essential to review your policy terms and conditions to understand your specific situation.
Frequently Asked Questions
Is Admiral any good for travel insurance?
Admiral offers three tiers of travel insurance with ratings from Defaqto, indicating a high level of quality and coverage. With options ranging from three to five stars, Admiral travel insurance may be a suitable choice for your travel needs.
Is it worth claiming on holiday insurance?
Claiming on holiday insurance can provide financial protection and assistance in case of unexpected events or cancellations. It's especially crucial for independent travelers who may face challenges without a representative to help resolve issues.
Who underwrites Admiral Holiday Insurance?
Admiral Holiday Insurance is underwritten by Admiral Insurance (Gibraltar) Limited. Learn more about our insurance providers and policies.
Sources
- https://www.admiral.com/travel-insurance
- https://www.confused.com/travel-insurance/providers/admiral
- https://www.which.co.uk/money/insurance/travel-insurance/travel-insurance-reviews/admiral-travel-insurance-review-aREVo7b54v8U
- https://forums.moneysavingexpert.com/discussion/6361315/admiral-confirmed-insurance-payout-now-theyre-reducing-pay-because-of-wear-and-tear-please-hel
- https://www.manchestereveningnews.co.uk/trips-and-breaks/travel-insurance-what-you-wont-23119614
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