Columbus Direct travel insurance review

Columbus Direct has existed as a brand since 1988, and has covered over 15 million holidaymakers in this time.

It's owned by Collinson Insurance Services, which itself is a trading name of Astrenska Insurance Limited.

Columbus Direct offers three levels of cover – Bronze, Silver and Gold – though for added premiums, you can attach various optional modules to add extra protection, such as for Covid-19 or airspace closure.

Its policies are underwritten by Collinson Insurance.

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 Columbus Direct offer the best travel insurance?

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'What you need to know about Columbus Direct's policies'

Dean Sobers, Which? travel insurance expert, says:

I've been analysing Columbus Direct's range of policies for a decade.

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 Columbus Direct good if you have a medical condition?

Columbus Direct will consider covering medical conditions if you declare them when obtaining a quote.

It works with a medical screening company called Verisk to ask customers about their medical conditions.    

Columbus Direct 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 Columbus Direct at handling claims?

Columbus Direct's claims are dealt with in-house.

• The most recent data from the Financial Conduct Authority shows that Columbus Direct's underwriter, Astrenska Insurance Limited, paid out 90-95% of claims made on annual European policies in 2024, beating the market average of 86.30%.
• It was also above average (84.5%) with payout rates on worldwide policies, accepting 90-95% of claims.
• It accepted 85-90% of claims on single trip policies, compared to an average of 80%  

Columbus Direct's travel insurance: how can I claim?

For medical emergencies, call +44 (0)144 444 2390.  

To make non-emergency claims, call 0208 865 1654. 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.    

You'll need your policy document and policy number when you call.

• Find out more: how to claim on your travel insurance

How does Columbus Direct compare with other providers?

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Should you buy Columbus Direct travel insurance?

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