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?

See our full list of the best travel insurance.

What do Co-op Insurance's travel insurance policies cover?

'Co-op's two Best Buys are well worth considering'

Dean Sobers, Which? travel insurance expert, says:

Two of Co-op Insurance's policies earned our Best Buy badge.

The Platinum policy was a high scorer in our analysis with a policy score of 70%, placing it in the top fifth of policies we reviewed.

Along with Gold, Silver and Bronze, it stood out for not having any overall limit for emergency medical expenses costs. Limits most commonly tend to be between £5m-£10m.

The Platinum policy also has an impressive cancellation limit of £7,500, fairly low excesses (£50) and high levels of cover for lost personal belongings (£4,000). 

However, it wasn't perfect. While it covers the replacement of certain travel documents, such as passports, those on driving holidays don't get protection for their driving licence. And despite not having an overall limit for emergency medical treatment, the policy has a comparatively minuscule provision of just £250 when it comes to pain-relieving emergency dental treatment. Most policies provide at least twice this.

£50,000 legal cover

The vast majority of policies rated have legal expenses cover, which pays for costs in pursuing legal action if you believe you're entitled to compensation and have a good case.

The Platinum policy comes with some of the highest legal cover – £50,000. However, like many policies, it won't pay out if the target of your legal action is a travel company, such as a travel agent. 

• Find out more about how we pick our travel insurance Best Buys.

Gold, Silver and Bronze policies

The Gold policy was also a Best Buy, with a policy score of 66%.

Along with the Silver policy (which earned 62%, the average score among policies we rated), it has unlimited medical cover, like the pricier Platinum policy, but Gold and Silver offer lower cover elsewhere and higher excesses.

The Bronze policy was least impressive, with a mediocre policy score of 54%, placing it in the bottom fifth of our table. A more stripped-down policy, it lacked certain features such as delay and missed-departure cover.

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?

With 70%, Co-op's best-scoring policy, Platinum, was just behind Admiral's Platinum policy, Leisure Guard's Gold policy and Travel Insurance Saver's Gold policy. These scored 71%.

It was just ahead of Axa's Gold policy, Cover For You's Platinum policy, Halifax's Ultimate Reward packaged account, Insure & Escape's First policy, Leisure Guard's Flexi Silver and NatWest's Black packaged account. These scored 69%.

Should you buy Co-op's travel insurance?

Yes. With multiple Best Buy options – including one in the top fifth of policies reviewed – Co-op is definitely worth checking. 

How we rate travel insurance

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