Flexicover travel insurance review

We've rated three Flexicover Travel policies provided by tifgroup. 

The three levels of cover are Silver, Gold and Diamond.

Flexicover's policies are underwritten by Collinson Insurance. Collinson Insurance is a trading name for Astrenska Insurance Limited.

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Does Flexicover offer the best travel insurance?

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What does Flexicover travel insurance offer?

How good are Flexicover's travel insurance policies?

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Is Flexicover good if you have a medical condition?

If you have a pre-existing medical condition, Flexicover may be able to cover it. To find out if it can and how it will affect the premium, you'll need to declare the condition when you run your quote.

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

Flexicover isn't a specialist provider for customers with pre-existing medical conditions – but this doesn't mean it can't cover your medical condition at a reasonable price.

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

How good is Flexicover at handling claims?

According to the most recently published FCA data, Flexicover's underwriter Astrenska paid 90-95% of claims on annual European policies in 2023. This was a higher acceptance rate than the average of 82.20%.

It paid 85-90% of worldwide annual claims – again, better than the 78.90% average.

And it accepted 85-90% of single-trip claims. The average here was 80.40%. 

Flexicover's travel insurance: how can I claim?

For medical emergencies abroad, call +44 (0) 333 005 1074.  

To make other types of claim, call 0333 005 1073. You can also start a 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 it know if there's a chance you will need to claim.

You'll need to provide your policy number when you call.

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