Co-op Insurance travel insurance review

What does Co-op Insurance travel insurance offer?

Co-op Insurance's travel insurance is provided by AllClear and underwritten by Zurich. 

There are four levels of cover available to buy, which we've reviewed here – Bronze, Silver, Gold and Platinum.

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.

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Does Co-op Insurance offer the best travel insurance?

We've rated dozens of insurers on their policies. Members can log in now to read our full reviews. If you're not already a member, join Which? and get full access to these results and all our reviews.

'What you need to know about the Co-op's policies'

Dean Sobers, Which? travel insurance expert, says:

I've been analysing the Co-op's range of policies for years.

If you're a Which? member you can log in (or if not, sign up) to read my explanation of their strengths and weaknesses.

Is Co-op Insurance good if you have a medical condition?

If you have a pre-existing medical condition, the Co-op may cover this on your travel insurance, but you'll need to declare it when you buy the policy.

The Co-op works with a medical screening company called Verisk to ask customers about their medical conditions.    

It isn't a specialist provider for customers with pre-existing medical conditions, but this doesn't necessarily mean it won't be able to cover your medical condition at a reasonable price.

However, if you are struggling to obtain cover, check our guide on travel insurance if you have a medical condition.

How good is Co-op Insurance at handling claims?

Co-op uses a company called World Travel Protection to handle medical claims and Gallagher Bassett to handle all other claims.

• The latest published data from the Financial Conduct Authority shows that in 2024, AllClear (which provides Co-op Insurance) paid 90-95% of claims made on annual worldwide and annual European policies, and 90-95% of claims made on Annual European policies. This is higher than the market average of 86.30%
• It paid 85-90% of claims on worldwide policies, above the average of 84.50%
• It accepted 85-90% of claims on single trip policies, higher than the average of 80% 

Co-op Insurance travel insurance: how can I claim?

For medical emergencies abroad, call +44 (0)203 467 4125.  

For other claims, call 0800 011 3721. You can also claim online.

Insurers will usually expect you to try recouping lost costs (such as deposits) elsewhere before claiming with them – for example, checking with the travel provider if you're entitled to a refund or can move a cancelled trip. However, you can still call the insurer to let them know if there's a chance you will need to claim.  

Find out more: how to claim on your travel insurance

How does Co-op compare with other providers?

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Should you buy Co-op's travel insurance?

Only Which? members can read our ultimate verdict on Co-op's cover, so log in or sign up to find out what it is.

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