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Just Travel Cover - Infinity travel insurance review
Infinity Insurance is underwritten by Accelerant Insurance and available through the broker Just Travel Cover.
It's a medical specialist provider that claims to offer cover for some medical conditions awaiting diagnosis.
It has three levels of cover: Gold, Silver and Bronze.
Please note that 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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'A Best Buy policy with some rare features'
Dean Sobers, Which? travel insurance expert, says:
Infinity's top level of cover – Gold – made the grade as a Best Buy.
Among the things we liked about it were low excesses (£30) and high levels of cancellation cover – £10,000.
However, its cancellation cover doesn't extend to needing to abort your trip because of the outbreak of infectious disease in the area. And its medical cover (£10m) only goes as far as treating pain relief should you have a dental emergency.
Days per trip
If you have annual cover, for UK and European travel, you're covered for up to 61 days per trip. On worldwide policies, you're covered for 61 days per trip if you're aged 65 or under, and 31 days if older (with the maximum age being 79).
Single-trip policies cover trips of up to 186 days in the UK and Europe, and 45 days per trip worldwide.
Terrorism cover
If a terrorist attack is made within 20km of your destination (within 14 days of your planned departure date) and the area is considered unsafe by local or national authorities, you can make a cancellation claim on Infinity's policies.
This is fairly rare: some 61% of policies we reviewed excluded terrorism altogether.
Silver and Bronze cover
Infinity's Silver policy came close to our Best Buy cutoff (64%) with a score of 63%. It sits in the middle of our table.
Bronze, meanwhile, was in the lower range of policies we examined, with a score of 59%. This compares to an average score of 62%.
Is Just Travel Cover - Infinity travel insurance good if you have a medical condition?
Infinity is a specialist provider for covering customers with pre-existing medical conditions. This means it may be more likely to cover customers with conditions that other insurers would be less likely to take on.
However, if you have a medical condition, you should still look at a mixture of specialist and non-specialist providers
To add your conditions to the policy, you'll need to declare them when you take it out. Infinity works with a medical screening company called Verisk to ask customers about their medical conditions.
How good is Just Travel Cover - Infinity at handling claims?
Infinity uses a company called Healix International to provide medical assistance. For other claims, it works with a firm called Sedgwick.
According to the most recently published data, Infinity's underwriter – Accelerant – accepted 90% to 95% of claims made on single-trip policies in 2024. This is higher than the market average of 80%.
Data wasn't available for its payout rates on annual policies.
Just Travel Cover - Infinity travel insurance: how can I claim?
For medical emergencies, call 02086 084 163.
For other types of claim, call 02078 581 980.You can also submit a claim online.
Before calling for cancellation claims, you should contact your travel agent and/or airline to see if you can get a refund or move your trip.
You'll need to provide your policy number when you call.
How does Just Travel Cover - Infinity compare with other providers?
Just Travel Cover - Infinity scored 68% and was a Best Buy. Just ahead of it, with 69% were Axa's Gold policy, Cover For You's Platinum policy, Halifax's Ultimate Reward packaged bank account, Insure & Escape's First policy, Leisure Guard's Flexi Silver policy, and NatWest's Black account.
It was just ahead of Explorer's Level 5 policy, InsureandGo's Black policy, Leisure Guard's Standard policy, NatWest's Silver and Platinum accounts, RBS' Silver and Platinum accounts, Tesco's Standard policy, and Travel Insurance Saver's Silver policy. These scored 67%.
Should you buy Just Travel Cover - Infinity's travel insurance?
Yes, if the price is right. The Gold policy was a reasonable Best Buy, and the Infinity range had some unusual cover features, making them worth a look.
How we rate travel insurance
We analyse and rate 120 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and factor this in when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact the more and less important elements have on the overall policy score.
Our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis.
It doesn't reflect customer service. However, we do look at claims statistics published by the Financial Conduct Authority and complaints data from the Financial Ombudsman Service, where these are available. We won't give a Best Buy badge to providers shown to reject higher-than-average numbers of claims or that have a poor track record when it comes to complaints.
Policies named as Best Buys did well in our analysis of cover, with a policy score of at least 64%.
Additionally, Best Buy policies scored well consistently across different areas of cover. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the features we compare (see 'Policy score' for more).
Lastly, all Best Buy policies must provide – either as standard or as an option – the following levels of cover as a minimum:
£5m cover for medical expenses – with emergency medical repatriation and some cover for emergency dental treatment
£2,000 cancellation and travel abandonment cover – including cancellation in the event that the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination country because of natural disaster after you've insured your holiday
Cancellation cover because of the illness, injury or death of a close family member or a person you were planning to stay with
Cover for travel delays – including cover for missing your outgoing or returning flight due to delays
£1,500 cover for baggage
£2m personal liability cover
Every year, we go to as many providers as possible to gather information on a wide cross-section of the market. Our ratings and reviews are completely impartial — we’re not influenced by third parties. We work entirely on behalf of you, the consumer and nobody else. See our statement of editorial independence for more.
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