churchill explorer travel insurance

Travel Insurance

Information.

• - Assumptions
• - Summary of cover
• - Policy Wording
• - Cookies Notice

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Alternatively, call us:.

0800 916 7170

Mon-Fri 8am-9pm; Saturday 9am-5pm; Sunday 10am-5pm

Calls may be recorded

Churchill Travel Insurance policies are underwritten by U K Insurance Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The Financial Services Register number: 202810. To view visit www.fca.org.uk

Tell us about yourself

• Have suffered or are suffering from a heart- or cancer-related condition.
• Have received medical advice or treatment or been prescribed medication (whether or not it was taken) in the last 12 months, including repeat prescriptions.
• Are awaiting medical investigation, awaiting a diagnosis, receiving treatment or awaiting treatment.
• Cross-country skiing (on recognised tracks)
• Dry slope skiing or snowboarding
• Skiing or Snowboarding (on piste, or off piste with a qualified guide)
• Snowmobiling, ski-dooing or ski-bobbing
• Snow shoeing
• Tobogganing
• Any hazardous activity unless we have specifically agreed to it in writing
• Any activity you do as a professional, or in a race or competition
• Any activity carried out against local warnings or advice
• Any activity if it is not carried out in a safe way
• Any activity if you act irresponsibly or put yourself in needless danger
• Certain activities if the activity is the sole purpose of your trip

We will use your information to assess your insurance application and the terms on which cover may be offered. We may exchange your information with other insurers, reinsurers or other carefully selected third parties in order to manage your policy and offer you the best possible service. We will also obtain information about you from credit reference agencies to check your credit status and identity. The agencies record our enquiries but your credit standing will not be affected.

Churchill insurance policies are underwritten by U K Insurance Limited (UKI). The information you give us may be used by owned brands within UKI to submit to and check your details with fraud prevention agencies and other organisations. If you provide false or inaccurate information, we will record this. We and other organisations may use and search these records to prevent fraud and money laundering.

If you would like full details on how we will use your information, please refer to our

Important information

• Everyone insured under the policy is a resident of the United Kingdom
• Cover is only available for trips that haven't yet started when cover is purchased, and that both start and end in the United Kingdom
• There are no known reasons why anyone would need to cancel or curtail the journey
• Nobody insured under this policy has had any insurance cancelled or declared void by an insurer
• They have been prescribed medication whether taking it or not
• They have been referred to, treated by, or put under the care of a Healthcare Specialist. (For example a general practitioner, Hospital specialist or consultant or any other healthcare practitioner including physiotherapist or osteopath)
• They are awaiting any treatment or the results of any tests or investigations whether diagnosed or not
• They have a condition with a direct or indirect link to cancer; or
• They have any circulatory or heart problems
• Nobody to be insured under this policy has a close relative or travelling companion suffering from a medical condition which has caused them to have been hospitalised in the last 12 months or be put on a waiting list for hospital treatment
• Accessibility
• Telematics privacy

©1999-2022 U K Insurance Limited

Churchill general insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk .

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Churchill travel insurance review

Churchill travel insurance has three different policy options to choose from. find out what's covered in each, plus the pros and cons of taking out cover..

In this guide

What types of policies are on offer?

Cover limits, claims process, managing your policy online, how to contact, customer reviews, pros and cons, our verdict, frequently asked questions.

Churchill is a UK insurer that has been offering competitive policies since 1989. It began by offering car insurance , then home insurance, before branching out to travel insurance and a few other products.

We’ve looked at what Churchill travel insurance includes and the pros and cons of cover.

There are three types of travel insurance policy on offer from Churchill:

• Single trip travel insurance. Cover for your individual trip.
• Annual travel insurance . Cover for you and up to five other people for a whole year. You don’t even need to travel together.
• Explorer (long-stay) travel insurance. A policy lasting between 90 days and 12 months (for Europe) or 18 months (worldwide).

Among other things, you’ll be covered for:

• Emergency medical treatment up to £10,000,000
• Flight cancellations up to £5,000
• Personal possessions up to £2,000
• Legal expenses up to £50,000
• Personal liability up to £2,000,000

To make a claim, visit the Churchill website or call 0345 603 3591.

In the case of lost, stolen or damaged belongings, you’ll need to inform the police and get a police report before making the claim (within 24 hours of the incident occuring).

For all claims, you’ll need to keep a copy of all paperwork, including hospital admission records, travel documents and booking invoices.

To manage your Churchill policy online, click the “Log In” button at the top of the Churchill website.

For quotes, policy renewals or general customer service, call 0800 032 6534.

Churchill has received over 4,000 reviews on Trustpilot. At the time of writing, its average rating is 4.4 out of 5.

• High levels of cover
• Add up to other five people onto your annual policy
• Discounts for Churchill car insurance or home insurance customers
• Explorer insurance can last for up to 18 months before you return to your country
• New-for-old cover only available as a paid add-on
• Cover is available for UK residents only

Churchill has a reputation for providing great insurance and it’s no different with its travel cover. The ability to add six people onto one annual policy is a highlight.

Will I be covered if I have a pre-existing medical conditions?

Am i covered for winter sports, what discounts are available for existing churchill customers, travel insurance scores.

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology .

Danny Butler

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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• Policy Documents
• Travel Insurance FAQ
• Claims Information
• Retrieve Quote

Call us on 0345 373 0253

Mon to fri 9am – 5pm.

• Single Trip

Annual Multi Trip

• Winter Sports
• Travel Extras
• Sign up for Special Offers

Start your Travel Insurance Quote

Include cover for medical conditions

Please confirm that you understand and meet our eligibility conditions

The British Insurance Brokers’ Association (BIBA) offers a travel insurance directory for people with serious pre-existing medical conditions. Enquiries about the BIBA directory can be made to BIBA's call centre on 0370 950 1790 , which is available Monday to Friday, 9am to 5.30pm.

For a single trip policy please enter the date you leave the UK. Cancellation cover starts on the day you buy the policy.

For an annual multi trip policy, the start date must be within 31 days of today's date. Please note that no cover at all is provided on your annual policy until the policy start date.

Destination details

UK - England, Scotland, Wales, Northern Ireland and the Isle of Man.

EU1 - Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney and Sark), Corsica, Croatia, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Holland (Netherlands), Hungary, Italy, Kosovo, Latvia, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, North Macedonia, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine, Vatican City.

EU2 - Those countries listed above in 'EU1' and including: Iceland, Liechtenstein, Madeira, Malta, Norway and Spain (including Balearic and Canary Islands).

EU3 - Those countries listed above in 'EU1' and 'EU2' and including: Cyprus, Greece (including Greek Islands) and Russia (West of Urals).

EU4 - Those countries listed above in 'EU1 ', 'EU2' and 'EU3' and including: Turkey.

AUS/NZ - Australia and New Zealand only.

WW1 - Anywhere in the world excluding the United States of America, Canada, the Caribbean and Mexico.

WW2 - Anywhere in the world.

Medical Conditions

If you would like to cover the medical conditions of anyone to be insured on the policy, then please tick this box. If this box is unticked, the policy quotes we offer will not provide cover for any medical conditions of anyone to be insured.

Eligibility Conditions:

• You have your primary residence in and you are registered with a doctor in the UK, the Channel Islands or the Isle of Man
• Your trip starts and ends in UK, the Channel Islands or the Isle of Man
• You have not spent more than 6 months abroad during the 12 months before purchasing a policy or your trip was booked (whichever is later)
• You are in your country of residence at the time of purchasing this policy. We will only cover you for the whole trip. Any trip that has begun when you purchase this insurance will not be covered
• You are not travelling with the intention of receiving medical treatment
• You are fit to travel on your trip and are not travelling against the advice of a doctor or where you would have been if you had sought their advice before commencing your trip

Please read and confirm that you meet our eligibility conditions.

Max Trip Duration

Max trip duration is the total number of days travel covered by the annual policy during the year.

Welcome to Explorer Travel Insurance

We offer a wide range of policies, with different levels of cover, so you can tailor your insurance to meet your specific needs. Get a quote and buy online now!

Choose from Single Trip , Annual Multi Trip , Winter Sports , Cruise and Backpacker Travel Insurance .

Great value Single Trip travel insurance with no age limit

Save with Annual Multi Trip travel insurance

Specialist cover for Cruise holidays

Ski and snowboard insurance, including off piste

Peace of mind for the trip of a lifetime

With Quote Number and your email address

• COVID-19 Cover
• Travel Insurance Quote
• Annual Trip
• Cruise Trip
• Backpacker Trip
• Privacy Policy
• Website T&Cs

© 2024 Explorer Travel Insurance All rights reserved

Explorer Travel Insurance is a trading style of Explorer Insurance Services Limited, registered in England and Wales No: 7496730. Registered Office: Millhouse, 32-38 East Street, Rochford, SS4 1DB.

Explorer Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. FCA Firm Reference Number 583108.

Churchill Travel Insurance Review

Marvin's low-down on Travel Insurance from Churchill

The experts say:

Churchill is a popular travel insurance provider known for its comprehensive cover, and their Single Trip & Annual policy is no exception. Which? scored the policy 74%, ranking it 24th out of all 71 providers, and Fairer Finance rated it 4 stars. The policy includes comprehensive covid cover, with medical expenses cover of up to £10000000, baggage cover of up to £2000, cancellation cover of up to £5000 and an excess payable on medical claims of just £50. Unfortunately, the policy does not include cover for airline failure. In summary, Churchill's Single Trip & Annual policy is an excellent choice for those looking for comprehensive travel insurance with generous benefits.

What Churchill customers are saying right now:

• :thumbsup: Customers praise the helpful, kind and friendly staff.
• :smiley: Smooth experience from start to finish with seamless and stress free process.
• :clap: People are pleased with the instant response received and the courtesy car.
• :star2: Customers appreciate how Churchill reduced their premium after complaining.
• :relieved: People are happy with their cars returned looking as good as new.
• 🤬 Unprofessional and indifferent staff
• 😡 Terrible advice given to customers
• 🤯 Poor communication and lack of action to resolve customer issues

Churchill customer reviews summary

Overall, Churchill Insurance provides good customer service with helpful and friendly staff. However, they have been criticised for not offering competitive prices and providing poor advice. On one occasion, a customer was advised to amend their existing policy rather than getting a new cheaper one, resulting in an increased premium. There have also been reports of an unprofessional and indifferent attitude when customers contacted to change payment details. In one instance, the customer was forced to take their business elsewhere after being met with indifference. Despite these issues, Churchill has come through for customers by providing a seamless and stress-free experience in one case, and excellent help from staff members in another. All in all, Churchill Insurance scores 7/10 for its good customer service but could do better on pricing and advice.

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<strong>Churchill</strong> <strong>Explorer</strong> <strong>Insurance</strong> <strong>Summary</strong><br />

The information shown here is only a summary of what is covered. It does not form part of the contract<br />

between you and us. Please read your policy booklet and schedule for full details of all terms and<br />

conditions and the excesses that apply to you.<br />

The policy you have purchased is underwritten by <strong>Churchill</strong> <strong>Insurance</strong> Company<br />

Limited and will run for 12 months or for the period shown on your travel insurance<br />

schedule unless you advise us otherwise.<br />

The cover you have chosen is shown on your travel insurance schedule.<br />

Please read your policy booklet carefully to make sure this cover meets your needs.

1<br />

significant features of a churchill travel policy<br />

Excess information<br />

Under most sections, you will not be covered for the first £75 of any<br />

event unless otherwise stated.<br />

section 1 – Medical and Other Expenses.<br />

The most we will pay in total for each person is as follows:<br />

Medical expenses £10 million<br />

Emergency dental expenses £250<br />

Funeral expenses £2,500<br />

Hospital benefit £1,000<br />

What’s covered<br />

Medical expenses<br />

● If you are ill or injured or you die on a trip, we will pay all necessary<br />

and reasonable expenses, up to the policy limits above, for:<br />

– medical and hospital treatment (including ambulance and<br />

rescue services to take you to hospital); and<br />

– emergency dental treatment to treat sudden pain up to<br />

£250 only.<br />

Extra travel and accommodation<br />

● Extra travelling expenses to return to your home in the UK.<br />

– Extra accommodation expenses if your illness or injury forces<br />

you to stay longer than you had originally booked.<br />

● The travel and accommodation expenses for one person to stay<br />

with you and travel home with you, if this is medically advised.<br />

What’s not covered<br />

● Any medical, dental or hospital expenses that arise in the UK<br />

(or Channel Islands if you live there permanently).<br />

● An anticipated event.<br />

● Any treatment or help where, given your physical or mental<br />

condition You should not have travelled or it would have been<br />

reasonable for you to have consulted your medical practitioner,<br />

prior to the booking or taking of the trip about whether or not it<br />

was appropriate to travel.<br />

● Any claim caused by drinking too much alcohol or alcohol abuse.<br />

● We do not expect you to avoid drinking alcohol on your trips or<br />

holidays, but we will not cover any medical claims arising because<br />

you have drunk so much alcohol that your judgement is<br />

seriously affected.<br />

● Any claim related directly or indirectly to a Pre-Existing Medical<br />

Condition.<br />

that:-<br />

– You suffer from; and<br />

– you did not tell us about; and<br />

– we did not agree cover for it in writing.

After you have paid for this policy, you must tell us if you are<br />

diagnosed with:<br />

– any heart condition, any circulatory condition (problems with<br />

blood flow, including high blood pressure) or any breathing<br />

condition (including asthma)<br />

– any type of cancer<br />

– any joint and bone condition;<br />

– any gastrointestinal (stomach) condition; or<br />

– diabetes<br />

We will then decide if we can provide you with cover on your existing<br />

terms. We may ask you to pay an extra premium, add special conditions<br />

to the policy or exclude cover for that medical condition.<br />

If we cannot provide cover for the medical condition diagnosed after<br />

you paid for the policy, or if you do not want to pay the extra premium,<br />

you can call us on 0845 603 3591 and make a cancellation claim if you<br />

have booked and paid for a journey that you have not yet made. Or, you<br />

can cancel your policy and we will send you a pro-rata refund, as long<br />

as you have not travelled or made a claim.<br />

3<br />

section 2 – Cancellation<br />

Cancellation £3,000<br />

We will pay you for all unused travel and accommodation costs<br />

(including excursion, car hire and other charges) that you have paid or<br />

are under contract to pay, if it is necessary and unavoidable for you to<br />

cancel your trip before you leave your home or place of business,<br />

whichever is later, for one of the following reasons.<br />

● You become ill or are injured and a qualified doctor certifies that it<br />

is medically necessary for you to cancel your trip.<br />

● You die.<br />

● A close relative or close business associate of yours living in the<br />

UK is ill, injured or dies.<br />

● Anyone you had planned to stay with or travel with is ill,<br />

injured or dies.<br />

● You or anyone you are travelling with are not able to travel or are<br />

instructed to stay at home by the police (or other recognised<br />

emergency services) due to serious damage to your home or place<br />

of business in the UK caused by fire, aircraft, explosion, storm,<br />

flood, subsidence, vandalism or theft.<br />

● Air passenger duty (airline taxes) as you can recover this direct<br />

from your tour operator or airline.<br />

● Any expenses resulting from you changing your mind about<br />

travelling or continuing with your trip.<br />

● Any expenses resulting from any loss of enjoyment of your trip<br />

(such as not liking your resort or hotel).<br />

● Any claim arising from circumstances or an event that you could<br />

reasonably foresee or knew about when you bought this insurance<br />

or booked the trip, and that you knew could lead to your trip being<br />

cancelled (for example, a serious medical condition of a close<br />

relative, business associate or travelling companion).<br />

● The transport operator or their agents refuse to transport You, a<br />

close relative or Your travelling companion because they consider<br />

that You or they are not fit to travel.<br />

section 3 – Curtailment (cutting short your trip)<br />

Curtailment £3,000<br />

Please note the following<br />

● Payment for a claim for unused accommodation, travel or other<br />

costs will cover the proportional costs for the number of days of<br />

use lost and will be worked out from the date you return home.<br />

For example, if you curtail halfway through your trip, we will only<br />

consider paying half the amount you originally paid for the trip.<br />

We will pay you all reasonable travel expenses and any unused<br />

pre-booked travel and accommodation costs (including excursion,<br />

car hire and other charges) that you have paid or are under contract<br />

to pay, if it is necessary and unavoidable for you to urgently return to<br />

the UK for one of the following reasons.<br />

● You become ill or are injured and the doctor treating you certifies<br />

that it is medically necessary for you to return to the UK.<br />

● You have to go into hospital due to an accident, illness or injury that<br />

occurs during your trip and you spend over 24 hours as an inpatient.<br />

● Any curtailment expenses that are not authorised beforehand by<br />

our assistance services.<br />

continuing with your trip.<br />

curtailed (for example, a serious medical condition of a close<br />

● The transport operator or their agents refuse to transport You, a close<br />

relative or Your travelling companion because they consider that You<br />

or they are not fit to travel.<br />

● Any treatment or help where, given your physical or mental condition<br />

You should not have travelled or it would have been reasonable for<br />

you to have consulted your medical practitioner, prior to the booking<br />

or taking of the trip about whether or not it was appropriate to travel.<br />

● Any expenses resulting from weather, climatic or environmental<br />

conditions at your destination.<br />

– we did not agree cover for it in writing.<br />

5<br />

section 4 – Personal possessions, luggage, money & passport<br />

Personal possessions and luggage £1,500<br />

(This can be increased to £3,000 if you buy extra cover – annual policy only)<br />

Delayed luggage – emergency<br />

replacement items £200<br />

Important extra limits are shown below<br />

£300 is the most we will pay for high-risk items in total for each person.<br />

£300 is the most we will pay for any single item. A camera with<br />

attachments or a matching set of earrings and necklace, for example,<br />

are considered as a single item.<br />

● Loss or theft of or damage to your personal possessions and luggage.<br />

● The extra expenses you may have to pay to replace your passport<br />

or travel documents if they have been lost, stolen or damaged<br />

outside the UK.<br />

● Replacing essential toiletries, medication and clothing if your<br />

luggage is delayed for more than 12 hours after your arrival at<br />

your final outward destination.<br />

Unless you report the matter to the nearest police authority within<br />

24 hours of discovering it and you get a police report in writing,<br />

claims for:<br />

● any loss of, theft or deliberate damage to your personal<br />

possessions or money;<br />

● high-risk items or money you have not carried in your hand<br />

luggage while you are travelling.<br />

● personal possessions or money in your accommodation.<br />

● personal possessions damaged, lost or stolen as a result of<br />

a terrorist act.<br />

● traveller’s cheques or credit or debit cards.<br />

New-for-old cover<br />

Please note the following.<br />

● We will pay the replacement cost of the item or we will repair or<br />

replace the item as new (new for old), except clothing and towels<br />

where we will make a deduction for wear and tear.

Personal money<br />

This section covers your travel money against loss or theft. If you<br />

make a claim, you will need to provide evidence that you had the<br />

money, so please keep any receipts you have.<br />

If your money is lost or stolen and you report it to the police, we will<br />

pay a single emergency cash advance of up to £100 for each insured<br />

adult, for each incident. You must then repay this amount to us when<br />

you return home or we can take it from the amount we pay for your<br />

claim. We will not offer a cash advance under any other<br />

circumstances.<br />

We will pay you up to £500 if your Personal money is lost or stolen<br />

while you are on your journey.<br />

The cash or bank note limit is £250 for each adult and £125 for<br />

each child.<br />

● Loss or theft of your money.<br />

The first £75 for each event.<br />

24 hours of discovering it and you get a police report in writing, claims<br />

for: money to the value of £100 or more;<br />

Loss of, theft of, the following:<br />

● Money you have not carried in your hand luggage (you<br />

should carry money and keep it with you at all times) while<br />

you are travelling.<br />

● Money left in an unattended motor vehicle at any time unless the<br />

vehicle is securely closed and locked, the money was out of sight<br />

in a locked boot, luggage area or compartment, and there is<br />

evidence of forced entry to the compartment.<br />

● Any theft of money.<br />

● Money in your accommodation unless the accommodation<br />

has been securely locked or the money locked in a safe or<br />

safety-deposit box, where reasonably possible.<br />

● Money left unattended in a place to which the public has or can<br />

get access.<br />

● Bonds, coupons, securities, stamps or documents except<br />

passports, tickets or money.<br />

Passport<br />

If you lose your passport during your journey, we will pay you up to<br />

£500 for reasonable extra travel and accommodation costs abroad<br />

while you arrange a replacement.<br />

Exclusions<br />

We will not pay for any claim unless you report the loss to the police or<br />

British Consular Representative within 24 hours of discovering it.<br />

Excess<br />

£75<br />

7<br />

section 5 – Abandoning your trip, delayed<br />

and missed departure<br />

Please Note: Your <strong>Churchill</strong> <strong>Explorer</strong> policy does not provide<br />

any cover under this section.<br />

section 6 – Personal accident<br />

The most we will pay for any one accident is £30,000 in<br />

total for each person.<br />

Age of insured person<br />

16 to 64 £30,000 for death.<br />

£30,000 for permanent and total<br />

disability or loss of a limb or an eye.<br />

15 and under £2,500 for death.<br />

£2,500 for permanent and total<br />

65 and over £2,500 for death.<br />

£2,500 for loss of a limb or an eye.<br />

No payment will be made for<br />

permanent and total disability.<br />

If you suffer accidental bodily injury and, as a direct result, you are<br />

disabled or die within 12 months, you will receive one of the relevant<br />

payments shown in the table above.<br />

● Claims arising from a trip within the United Kingdom.<br />

section 7 – Personal liability<br />

The most we will pay in total for each policy is as follows:<br />

Personal liability £2 million<br />

If you are found legally liable to pay compensation for any claim or<br />

series of claims arising from any one event that happens during a trip<br />

and that causes accidental:<br />

● bodily injury, illness or death to any person; or<br />

● loss or damage to someone else’s property.<br />

● Liability arising from any of the following.<br />

– Injury or death to any person who is a relative of yours,<br />

a member of your household, a travelling companion or<br />

someone working for you.<br />

– Damage to property belonging to or hired by you (except<br />

temporary rented holiday accommodation), a relative of<br />

yours, a member of your household, a travelling companion or<br />

● Liability arising out of or from the following.<br />

– Owning, possessing or using any lift, horse-drawn or<br />

mechanically propelled vehicle, aircraft or watercraft, model<br />

aircraft, model watercraft, hand- or foot-propelled watercraft,<br />

surf or sail boards and domestic gardening equipment.<br />

– Your profession, business or employment, including voluntary<br />

work of any kind.

section 8 – Legal assistance section 9 – Catastrophe<br />

Legal expenses £50,000<br />

Legal costs to help you claim damages or compensation:<br />

● for injury, illness or death, which happens during your trip; or<br />

● following a dispute about an agreement you have for your trip.<br />

If you are arrested or held by authorities during your journey, we will<br />

pay up to £250 for your first consultation with a local solicitor.<br />

● Claims reported more than 180 days after the date you knew or<br />

should have known about the incident leading to the claim.<br />

● Any claim resulting from any illness or injury that develops<br />

gradually or is not caused by a specific or sudden accident.<br />

● Legal costs and expenses that you have paid or will have to pay<br />

before we have agreed to them.<br />

Catastrophe £1,000<br />

If, during your trip, you are forced to move from your pre-booked and<br />

prepaid accommodation because one of the following events means<br />

you can no longer stay there.<br />

● Fire, lightning, explosion, earthquake, tidal wave, storm, avalanche,<br />

hurricane, flood or medical epidemic.<br />

● Any expenses resulting from you changing your mind to travel<br />

or continue with your trip when the local or national authorities<br />

confirm that it is safe to stay.<br />

● Expenses recoverable from elsewhere.<br />

See also the General exclusions and General conditions sections.<br />

cooling-off period how to make a complaint<br />

If, after reading the policy booklet, you decide that this insurance is<br />

not suitable for you, please return your policy to us within 14 days of<br />

receiving it. Please send the policy to:<br />

<strong>Churchill</strong> <strong>Travel</strong> <strong>Insurance</strong><br />

PO Box 106<br />

37 Broad Street<br />

Bristol<br />

BS99 7NQ<br />

As long as you have not taken any trips, or you have not made or<br />

intend to make any claim, we will cancel your policy and give you your<br />

money back.<br />

9<br />

We are committed to providing the highest possible standard of<br />

insurance service to our customers so we would be interested to hear<br />

about any areas of our product or service that you feel we could<br />

improve. If you have any complaints about the service, please write to:<br />

Or, you can call us on 0800 032 6534.<br />

If your complaint relates to a claim please write to:<br />

Waverley House<br />

Weydon Lane<br />

Farnham Business Park<br />

Farnham<br />

Surrey<br />

GU9 8QT<br />

If you are not satisfied with our final response, you can refer the<br />

matter for independent arbitration to:<br />

Financial Ombudsman Service<br />

South Quay Plaza<br />

183 Marsh Wall<br />

London<br />

E14 9SR<br />

Phone: 0845 080 1800.

Details about our regulator<br />

<strong>Churchill</strong> <strong>Insurance</strong> Company Limited is authorised and regulated by<br />

the Financial Services Authority, registration number 202727. The<br />

Financial Services Authority website includes a register of all regulated<br />

firms and you can visit it at www.fsa.gov.uk, or you can call the<br />

Financial Services Authority on 0300 500 5000.<br />

Under the Financial Services and Markets Act 2000, should the company<br />

be unable to meet all its liabilities to policyholders, compensation may<br />

be available. <strong>Insurance</strong> advising and arranging is covered for 90% of<br />

the claim without any upper limit. For compulsory classes of insurance,<br />

insurance advising and arranging is covered for 100% of the claim,<br />

without any upper limit. Information can be obtained on request, or<br />

by visiting the Financial Services Compensation Scheme website at<br />

www.fscs.org.uk.<br />

We have not given you a personal recommendation as to whether this<br />

policy is suitable for your particular needs.<br />

how to make a claim<br />

<strong>Churchill</strong> <strong>Travel</strong> Claims Services<br />

Call 0845 603 3591 (within the UK, or from anywhere else in the<br />

world) weekdays from 8am to 6pm.<br />

Please check your policy booklet to make sure your loss is covered and<br />

follow the instructions given.<br />

For medical emergencies, you will need to contact our assistance<br />

service on 01252 740 050 (within the UK) or + 44 (0) 1252 740 050<br />

(from anywhere in the world). Lines are open 24 hours a day, 365<br />

days a year. Please quote reference IGCS 1482.<br />

Please make sure that you contact our assistance service before visiting<br />

any clinic or hospital as they will be able to tell you which is the most<br />

appropriate medical facility to treat you.<br />

if you have any queries,<br />

please call our customer care line<br />

0800 032 6534<br />

Monday toFriday 8am-8pm; weekends 9am-5pm<br />

<strong>Churchill</strong> <strong>Insurance</strong> Company Limited, <strong>Churchill</strong> Court, Westmoreland Road, Bromley, Kent BR11DP<br />

<strong>Churchill</strong> <strong>Travel</strong> <strong>Insurance</strong> is underwritten by <strong>Churchill</strong> <strong>Insurance</strong> Company Limited. Registered address: <strong>Churchill</strong> Court, Westmoreland Road,<br />

Bromley, Kent BR1 1DP. Registered in England Number: 02252947. Authorised and regulated by the Financial Services Authority.<br />

<strong>Churchill</strong> <strong>Insurance</strong> Company Limited is a member of The Royal Bank of Scotland Group. Calls may be recorded.<br />

• More documents
• Recommendations

<strong>Churchill</strong> <strong>Explorer</strong> <strong>Insurance</strong> <strong>Summary</strong> The information shown here is only a summary of what is covered. It does not form part of the contract between you and us. Please read your policy booklet and schedule for full details of all terms and conditions and the excesses that apply to you. The policy you have purchased is underwritten by <strong>Churchill</strong> <strong>Insurance</strong> Company Limited and will run for 12 months or for the period shown on your travel insurance schedule unless you advise us otherwise. The cover you have chosen is shown on your travel insurance schedule. Please read your policy booklet carefully to make sure this cover meets your needs.

• Page 2 and 3: 1 significant features of a churchi
• Page 4 and 5: 3 section 2 - Cancellation The most
• Page 6 and 7: 5 section 4 - Personal possessions,
• Page 8 and 9: 7 section 5 - Abandoning your trip,
• Page 10 and 11: cooling-off period how to make a co
• Page 12: if you have any queries, please cal

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Churchill Travel Insurance: Secure and Hassle-Free Trips

Table of contents, i. introduction to churchill travel insurance.

Travelling is an exciting and enriching experience that allows us to explore new places, connect with different cultures and create lifelong memories. However, amidst the anticipation and joy of travel, it’s crucial to consider the potential risks and unforeseen circumstances that can arise during our journeys. From medical emergencies to trip cancellations, lost baggage or travel disruptions, these unexpected events can not only dampen our travel experiences but also pose significant financial burdens.

This is where Churchill Travel Insurance comes in. As part of Churchill Insurance Company, a trusted and reputable insurance provider, Churchill Travel Insurance offers a range of coverage options specifically designed to address the unique risks and challenges faced by travelers. By purchasing travel insurance, you can have peace of mind knowing that you are financially protected against unexpected events that may occur during your trip.

Overview of Churchill Insurance Company

Churchill Insurance Company has a long-standing history of providing reliable insurance products and services to customers. Established with a strong commitment to customer satisfaction and a focus on delivering quality coverage, Churchill Insurance has become a trusted name in the insurance industry. With their expertise and experience, they have expanded their offerings to include travel insurance, recognizing the growing demand for comprehensive travel protection.

Churchill Insurance is known for its customer-centric approach, ensuring that their policies are tailored to meet the diverse needs of their clients. With a solid reputation for excellent customer service and reliable claims handling, Churchill Insurance has gained the trust and loyalty of numerous individuals and businesses alike.

Suggested – Best home insurance claim adjuster secret tactics (Legal and Fair)

Hernandez Insurance: Personalized Coverage and Support

Introduction to Travel Insurance

churchill travel insurance

Travel insurance is a specialised type of insurance that provides financial protection and assistance to travelers in various situations. It acts as a safety net, offering coverage for potential risks and losses that can occur before or during a trip. While it may not prevent unfortunate events from happening, travel insurance can help alleviate the financial burden associated with these incidents.

Travel insurance typically covers a wide range of situations, including medical emergencies, trip cancellations or interruptions, baggage loss or delay, travel delays and personal liability. The specific coverage options and benefits may vary depending on the insurance provider and the type of policy chosen.

By investing in travel insurance, you can mitigate the financial impact of unforeseen events. It allows you to focus on enjoying your trip with the knowledge that you have protection and support in case of emergencies or unexpected disruptions. Whether you’re embarking on a short domestic trip or an extended international adventure, travel insurance provides the reassurance you need to explore the world with confidence.

In the case of Churchill Travel Insurance, their policies are designed to provide comprehensive coverage for various aspects of your trip, ensuring that you are adequately protected against potential risks. From medical expenses and trip cancellations to lost baggage and emergency assistance, Churchill Travel Insurance aims to offer peace of mind to travelers, allowing them to embrace their journeys with confidence.

In the following sections, we will delve into the coverage and benefits offered by Churchill Travel Insurance, explore the policy details and terms and provide an overview of customer reviews and ratings. By understanding the scope of coverage and evaluating the experiences of other customers, you can make an informed decision about whether Churchill Travel Insurance is the right choice for your travel protection needs.

II. Coverage and Benefits of Churchill Travel Insurance

When you choose Churchill Travel Insurance, you gain access to a range of coverage options and benefits that can safeguard your travel plans and finances. Here are some key areas of coverage:

Medical Expenses Coverage

Churchill Travel Insurance provides coverage for medical expenses incurred while traveling. This includes emergency medical treatment, hospitalization and medical evacuation if necessary. With this coverage, you can have peace of mind knowing that you won’t be burdened with exorbitant medical bills in case of an unforeseen illness or injury during your trip.

Trip Cancellation and Interruption Coverage

Sometimes, due to unexpected circumstances, you may need to cancel or interrupt your trip. Churchill Travel Insurance offers coverage for trip cancellation or interruption, reimbursing you for the non-refundable expenses you have incurred, such as airfare, accommodation or tour costs. This coverage helps protect your investment and allows you to reschedule or recoup your expenses in case of unforeseen events such as illness, natural disasters or travel advisories.

Baggage and Personal Belongings Coverage

Losing your baggage or having your personal belongings stolen can be a frustrating and inconvenient experience. Churchill Travel Insurance provides coverage for lost, stolen or damaged baggage and personal belongings during your trip. This coverage ensures that you are compensated for the value of your belongings, allowing you to replace essential items and continue your journey without unnecessary stress.

D. Emergency Assistance Services

In times of need, having access to reliable emergency assistance services can make a significant difference. Churchill Travel Insurance offers 24/7 emergency assistance helpline, connecting you to a team of professionals who can provide support, guidance and coordination during emergencies. Whether you require medical advice, travel arrangements or any other assistance, Churchill is there to assist you wherever you are in the world.

E. Additional Coverage Options

Churchill Travel Insurance also offers additional coverage options to cater to your specific travel needs. These may include coverage for adventure activities, rental car protection, travel delays, missed connections and more. By customizing your policy with these optional coverages, you can tailor your insurance to match the unique aspects of your trip.

III. Policy Details and Terms

Eligibility and enrollment.

Churchill Travel Insurance is available to individuals of certain age groups and residency statuses. The specific eligibility criteria may vary depending on the policy and the country of residence. To enroll in Churchill Travel Insurance, you will need to provide relevant personal information, trip details and select the desired coverage options. It’s important to carefully review the terms and conditions of the policy to ensure it meets your specific requirements.

Policy Duration and Renewal

Churchill Travel Insurance policies typically have a specific duration that covers the dates of your trip. It’s essential to accurately indicate the trip dates when purchasing the policy to ensure you have continuous coverage during your travel period. If your travel plans change or you need coverage for multiple trips, Churchill may offer options for policy renewal or extensions.

Exclusions and Limitations

Like any insurance policy, Churchill Travel Insurance has certain exclusions and limitations that apply. These exclusions may include pre-existing medical conditions, high-risk activities or specific regions with travel advisories. It’s crucial to thoroughly read and understand the policy documentation to be aware of any exclusions or limitations that may affect your coverage.

D. Claim Process

In the event of a covered loss or incident, it’s important to initiate the claim process as soon as possible. Churchill Travel Insurance provides guidelines and instructions on how to file a claim. This typically involves submitting relevant documentation, such as medical reports, police reports or receipts, to support your claim. Churchill aims to process claims efficiently and fairly, helping you recover your eligible expenses.

IV. Customer Reviews and Ratings

Positive feedback.

Churchill Travel Insurance has received positive feedback from many satisfied customers. Customers have praised the company for its responsive customer service, efficient claims handling and comprehensive coverage options. Positive reviews often highlight the peace of mind and financial protection Churchill Travel Insurance provided during unexpected situations while traveling.

Criticisms and Complaints

As with any insurance provider, Churchill Travel Insurance has also received some criticisms and complaints. These may include concerns related to claim denials, coverage limitations or disputes over policy terms. It’s important to consider a range of feedback when evaluating an insurance provider and to reach out to Churchill directly for clarification on any concerns or questions you may have.

V. Conclusion and Recommendation

Churchill Travel Insurance offers a reliable and comprehensive solution to protect you from unexpected events and financial losses while travelling. With their reputable insurance background and range of coverage options, Churchill is a reputable choice for travellers seeking peace of mind. When considering travel insurance, it’s crucial to review the policy details, assess your specific needs and compare options from different providers to make an informed decision.

What does Churchill Travel Insurance offer to travelers?

Churchill Travel Insurance gives coverage and facilities for different travel related risks. It includes trip cancellations, medical emergencies. They also focus on baggage loss, and more travel related things.

Is Churchill Travel Insurance known for providing good customer service?

Churchill Travel Insurance is a famous travel company who are recognized for its reliable customer service. Their support in handling travel insurance needs is what people love most in them.

Founder and Author at MoneyMics. 6 years experience as Insurance and loan consultant.

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Best travel insurance UK 2024 guide

We all deserve a break now and then. And the last thing you want to think of when booking your holiday is something going wrong. But it’s better to be prepared than caught off guard. That’s why you should always consider travel insurance when going on a trip.

But how can you find the best travel insurance policy for your needs? Read our guide below to find out more.

Why do I need travel insurance?

Travel insurance protects you financially if your trip away doesn’t go as planned and you incur unexpected expenses for delays, losses or medical treatment.

All travellers can benefit from travel insurance. But travel insurance is particularly important if you are going on an independent trip without a tour operator, because if something goes wrong, you will have no other help.

There are three main types of travel insurance:

• Single-trip cover: this is the most typical form of travel insurance, covering you for a one-off trip or holiday. There will be a time limit on the cover that can range anywhere between one month and 365 days
• Annual multi-trip cover: this allows you to make multiple trips, or have multiple holidays, in a 12-month period, all under the same travel insurance policy. There may be a cap on how long each individual trip can be
• Long stay, or backpacker, cover: this is normally used for around the world trips, gap years, and longer cruises, and can last for up to 18 months

To find the best UK travel insurance, compare policies before you go to ensure you get the right coverage for you and the specific trip you’re planning.

How to find the best travel insurance policy

When comparing policies to find the best travel insurance for your trip, you should consider: 

• Type of cover you need
• Excess (how much you’ll be expected to pay out yourself before the policy will cover you)
• Amount of medical coverage, and why pre-existing conditions aren’t included
• Limit on baggage claims
• Coverage for specific sports and activities
• Any potential rewards and discounts
• Add-ons, such as gadget insurance

Best travel insurance deals and discounts

Looking for the best travel insurance deals from the best travel insurance companies? In most cases, the easiest way to find the best travel insurance deals is to use a comparison website. Travel insurance comparison websites let you compare costs and coverage side by side to find the best UK travel insurance.

The four main comparison websites – Moneysupermarket, Comparethemarket, Confused.com and GoCompare – also often have certain deals and discounts when you buy travel insurance from them, offering some of the best travel insurance deals on the market.

Moneysupermarket : Find the same deal for less, and it will price match and give you a choice of a £20 gift card. Only on annual travel insurance.

Comparethemarket : Two for one cinema tickets with Meerkat Movies and savings at restaurants when you dine out or order pizza in with Meerkat Meals, as well as 25 per cent off coffee and pastries at Caffè Nero every day of the week through the Meerkat app.

(In November 2023, Confused.com and GoCompare had no deals or discounts for travel insurance).

Price is obviously a big consideration when you are looking for the best travel insurance – you’ve probably already spent a lot on your holiday. But you may be able to get much better coverage for just a few pounds extra, so it’s worth scrolling down the comparison site’s list of providers before buying.

Medical costs abroad will undoubtedly be the biggest expense you face if you fall ill abroad, so don’t scrimp on those.

Then think about your next biggest expense (probably cancellation/interruption of your trip) and make sure that you have high-value coverage for that.

If you find you can get much higher coverage (the maximum amount you can claim per type of claim, such as medical or baggage) for not very much more money, go for the slightly more expensive option.

Going direct

Comparison sites won’t always find you the cheapest deals, however. For example, Direct Line offers some of the best travel insurance with Covid cover and is not on comparison websites.

Some of the best travel insurance companies also offer discounts for buying directly from them, as follows:

Bundled coverage options

When looking for the best travel insurance for your holiday, it can make sense to buy a bundle of coverage under one policy.

Comparison websites will often offer add-on gadget cover, winter sports cover or cruise cover all under the one policy. If you need that extra cover, it is typically cheaper to buy your travel insurance this way rather than as separate policies.

What is covered by travel insurance?

The best travel insurance companies will offer you comprehensive coverage across all types of claims. It’s easy to compare the best travel insurance deals using a comparison website.

Medical coverage

This covers you for medical expenses you incur if you become ill or have an accident while away. The best UK travel insurance will have a high level of medical coverage.

For example, medical coverage will pay for any necessary treatment if you come down with severe food poisoning or you fall through a window and have to be taken to hospital in an ambulance.

• Avoid hefty bills or debt for medical assistance outside the UK
• Access better treatment – for example, at private vs public hospitals
• Often, as long as you declare existing conditions or pending treatment or tests, you are covered if you fall ill during your trip (check policy exclusions)
• Even the best travel insurance companies will likely charge you more if you have a pre-existing medical condition
• You might have to pay part or all your medical expenses first, then claim on the policy afterwards
• Even the best travel insurance companies do not cover events that happen after you have consumed alcohol excessively or taken recreational drugs or other substances

Trip cancellation/interruption

This insurance pays out the cost of your missed trip if you have to cancel or cut your holiday short due to unforeseen circumstances.

For example, cancellation insurance would normally pay out if you broke your leg just before you were due to travel and had to cancel your trip.

Interruption insurance would cover you if you had to come home early for certain reasons beyond your control – for example, if the area you were staying in was engulfed in wildfires.

• Money you would have lost on pre-paid, non-refundable travel expenses is paid to you under the policy
• It can be especially valuable if the trip you are planning is very expensive, as this is money you would lose if you couldn’t go
• You’ll usually only be covered if your trip is cancelled or cut short for specific reasons listed in your policy
• You usually won’t be covered if you miss your flight because you are held by customs or cancel because of a work issue or a pre-existing medical condition that is not covered

Baggage cover

This insurance covers the cost of replacing your luggage if it is lost or stolen.

For example, if an airline loses your luggage in transit or your suitcase is stolen from your hostel while you’re away, you can make a claim for the cost of replacing its contents.

You may also be able to claim for costs related to baggage delay if the airline temporarily misplaced your baggage.

• You can claim for the actual cash value of your belongings or the cost of replacing them (whichever is less)
• High-value items, such as jewellery or sports equipment, can be very expensive to replace without travel insurance
• Standard policies usually place per item and total limits on claims.
• If you are taking very expensive items away, check your policy carefully to ensure that you’re covered (and potentially get a separate policy)
• Some items could be covered by your home insurance policy, so check your policy carefully to see what is any isn’t. It’s also important to note that, should a lost item be covered by both policies, you can only claim once; an attempt to claim twice would be considered fraud

Personal liability

This insurance covers you if you are held responsible for harming another person or damaging their property.

For example, it covers you in situations where you cause serious damage to your holiday accommodation or accidentally stumble into someone else, causing them to need medical treatment.

• The cost of defending yourself in a legal case or repairing/replacing damage could be extremely costly without travel insurance
• Your travel insurance company will take over dealing with a foreign legal system
• You’re covered for the cost of any compensation (up to certain limits)

Limits: 

• Not all travel insurance provides personal liability as standard
• Policies may exclude personal liability while you partake in adventure activities
• Claims related to you committing a crime or damage by wilful negligence won’t be covered
• You likely will not be covered if you admit liability or make an offer to pay before talking to your insurer

Finding the best travel insurance with Covid cover

Looking for the best travel insurance with Covid cover? Many travel insurance policies now include cancellation cover for reasons related to Covid. This often applies within two weeks of being due to travel, according to the Association of British Insurers, but individual policies can vary.

To make a claim, insurers often require proof in the form of a medically approved positive Covid test. A lateral flow test or self-diagnosis is usually not accepted.

What Covid-related cover to look for

The best travel insurance with Covid cover should include the following:

• Cover if you can’t start your trip because you tested positive for Covid before travelling
• Cover if you or family members cannot return home because you/they test positive for Covid during the holiday
• Cover for additional costs, such as alternative flights, accommodation and Covid tests
• Cover if you cannot reach your final destination during transit due to Covid-19

Travel insurance providers with comprehensive Covid cover

Looking for the best travel insurance providers with Covid cover? Most travel insurance policies now offer some kind of Covid cover, but Churchill, Direct Line, M&S and Aviva have some of the most comprehensive offerings, with cover for cancellations and expenses related to Covid.

• Covid covered as standard on travel insurance policies
• Cover for trip cancellations if you, a close relative or a travelling companion is diagnosed with Covid-19 or another pandemic disease
• Cover if you or a person you’re planning to stay with must quarantine (abroad or in the UK)
• Cover if you can’t use pre-booked and pre-paid accommodation affected by Covid-19
• Cover for quarantine or where the Foreign, Commonwealth & Development Office (FCDO) advises against travel within 28 days of departure
• Cover for emergency medical expenses abroad due to Covid-19

Direct Line

• Cover for travel to a destination where the FCDO is advising against all but essential travel 
• Cover for medical expenses if you catch Covid-19 while you’re away 
• Cover for additional accommodation and transport if you have to quarantine due to Covid
• Cover for cancellation costs if you or a close relative get Covid-19 before you go
• Cover for quarantine or if the FCDO changes its advice after you book your trip
• Cover if you have to cut your trip short if the FCDO changes its country advice unexpectedly

• Cover for emergency medical expenses if you catch Covid-19 during your trip
• Cover for unrecoverable costs up to £6,000 if you must cancel your trip or return early, including if you have to self-isolate or quarantine before you travel due to Covid-19
• Cover for if you need to cancel your trip due to a positive Covid-19 test or if the FCDO advise against travel to your destination in the 31 days leading up to your trip
• Providing you haven’t travelled against FCDO advice, you’ll also be covered if you catch Covid-19 while abroad

• Coverage of up to £5,000 per person if you must cancel your trip due to getting Covid (you’ll need to provide confirmation and evidence of a positive test result)
• Cover for Covid-related emergency medical treatment and expenses while away
• Cover if you unexpectedly need to quarantine, including extra travel and accommodation costs to get home (provided a return trip was booked) 
• Cover for costs for any accommodation and excursions unused due to getting Covid where the costs can’t be recovered elsewhere
• No cover you if you travel against FCDO advice*
• No cover if you can’t travel because you don’t meet the entry requirements of a country (such as having had Covid vaccinations)*

* It’s worth noting that these clauses are not unusual and the majority of providers will have something similar

Tips for selecting the best UK travel insurance packages

Need some help picking the best UK travel insurance packages to make sure that you get the best travel insurance deals? Here are some tips for picking the best policy features for you.

Coverage limits

When looking for the best travel insurance companies to go with, check coverage limits. These are the maximum amounts your travel insurer will pay if you need to claim. You’ll see when you compare travel insurance policies that coverage limits vary for each type of claim and between policies.

The government-backed MoneyHelper website recommends that the best UK travel insurance should have the following minimum coverage for each type of claim:

• Medical: £1m or more for travel to Europe and £2m or more for the US
• Cancellation/interruption: £2,000 or more
• Missed departure: £500 or more
• Delay: £200 or more
• Baggage cover: £1,500 or more
• Personal liability cover: £2 million or more

Deductibles/excess

Deductibles, also known as the excess, is the amount you have to pay out of your own pocket before your travel insurance will start paying for your claim.

You have to make a trade-off when it comes to choosing the excess and the best travel insurance policy for you.

The lower the excess on a travel insurance policy, the better for you if you have to claim because you will have less to pay from your own pocket (or, more often, deducted from your claim).

But lower excess travel insurance policies are more expensive because the insurer knows it has more to pay out if you claim. Higher excess policies are cheaper, but you’ll have more deducted from your claim.

An exclusion on a travel insurance policy is an event the policy will not cover you for.

Common exclusions on a standard travel insurance policy may not be obvious. According to the ABTA – The Travel Association, these include:

• Incidents that occur after drinking too much alcohol or taking drugs
• Theft of unattended possessions
• Sports, extreme sports and activities such as skiing, white water rafting and bungee jumping
• Medical treatment resulting from existing medical conditions you have not declared or conditions preventable by vaccine or advisable medication, such as antimalarials
• Medical costs if you stay abroad after your doctor says you are fit to return to the UK
• Strikes and industrial action if it was known when you booked your trip
• Rescheduled flights where the airline has cancelled and then rescheduled your flight
• Travel to destinations where the FCDO advises against all but essential travel

To get the best travel insurance deals, one way around some of these exclusions is to buy add-ons for adventure activities. In addition, make sure to declare all pre-existing conditions and keep an eye out for any travel disruptions before you book.

Pre-existing conditions

Pre-existing conditions are illnesses or medical conditions you have and are aware of before you travel.

Travel insurance companies will ask you to disclose any pre-existing conditions. If you use a comparison website, it will be among the first questions you’re asked before it shows you quotes. It’s important to be honest.

Some travel insurance companies, but not all, will offer cover for pre-existing medical conditions, while others will offer cover but exclude any claims arising from that medical condition. This will depend on the person being covered and the medical condition.

Most price comparison websites include an option to show insurers who do offer coverage for pre-existing conditions, so that would be a good place to start.

The following are likely to be considered pre-existing conditions you should disclose, according to the government-backed MoneyHelper website:

• A condition where you are on a list for an operation
• A condition where you are waiting for test results
• Anything you have been to the doctor about in the last year, including minor things
• Any serious conditions you’ve ever had – for example, cancer, heart trouble, respiratory problems or a mental health breakdown

A good tip for everyone, but especially if you have a pre-existing condition, is to buy your travel insurance as soon as you book your holiday. If your condition gets worse and forces you to cancel your plans, you’ll be covered from the day the policy starts.

On family group policies, the cost will be determined based on the riskiest traveller (according to insurers), which could be someone with a pre-existing condition or an older individual. In this case, it is often cheaper for the group for that person to get a separate policy.

Add-on options

Add-ons are extras you can purchase in addition to a standard travel insurance policy. They cost a bit more, but you may find you’re not covered without them. 

Gadget insurance

This covers things that a standard policy may not, such as your mobile phone or laptop. If these items are covered, you may find the claim limits are far less than the cost of replacing them.

Before you add this option to your travel insurance, check your home insurance policy, because you may already be covered.

Winter sports/adventure activities

Riskier activities, such as skiing or white water rafting, often require extra holiday insurance because insurers think that you are more likely to need to make a claim doing these things.

Winter sports/adventure activities cover is worth getting, or you may find you are not covered for medical expenses if something goes wrong.

Standard travel insurance is generally meant for land-based holidays so you’ll need to opt for a specialist cruise policy if your holiday is a cruise.

European FCDO travel advice extension

Most standard travel insurance policies are invalid if you travel when the FCDO advises against “all but essential travel”.

This add-on allows you to travel to Europe with a valid travel insurance policy, even if the FCDO has advised against it.

This can be an expensive add-on, but if you really must travel to a risky area, you will need this extension in order to make sure you have cover.

Best holiday insurance summary

Choosing the right travel insurance is an essential part of enjoying peace of mind while you are on holiday.

When looking for the best travel insurance deals, don’t just pick the cheapest policy. Instead, look for the cover limits that match your requirements. For example, baggage cover of £5,000 isn’t worth having if your baggage is worth £1,000; cancellation cover up to £10,000 isn’t worth having if your holiday cost you £2,000.

The easiest way to compare the best travel insurance is usually by using a travel insurance comparison website.

Think about the sort of activities you’ll be doing while you’re away. You may need extra holiday insurance for things such as winter sports or scuba diving or if you are going on a cruise.

Be honest about any pre-existing conditions when buying your travel insurance, or you won’t be covered if you have to claim.

The best travel insurance is a safety net for you and your family to enjoy your trip away stress-free, knowing that you’re covered for everything from medical expenses to cancellations if things go wrong.

Frequently asked questions about the best travel insurance UK packages

Is travel insurance necessary for domestic travel within the uk.

Even where medical costs in the UK are covered by the NHS, a sudden illness could lead to other expenses, forcing you to cancel your trip, the costs of which travel insurance would cover.

Lost or stolen luggage and broken gadgets or other claims for damage can just as easily occur in the UK as abroad.

What is annual travel insurance, and is it a good option for frequent travellers?

Annual travel insurance is a policy that covers you for multiple trips away within any 12-month period. It is often cheaper than buying a separate policy for each trip if you are planning to go away multiple times in one year.

Annual travel insurance is also useful if you are planning a long trip visiting several countries, as often insurers require you to buy travel insurance before you leave the UK rather than abroad mid-trip.

Are there any travel insurance companies that specialise in certain types of trips or travellers?

Specialist travel insurers cater to specific groups of people. It can make sense to seek out travel insurers that cover your needs.

Adventures Insurance, Sports Cover Direct and Snowcard tailor their travel insurance to those who enjoy activity holidays and extreme sports, for example.

Senior travellers are the focus of policies from All Clear, Avanti, Co-op Insurance Services, Free Spirit Flex, Good 2 Go Extra, Goodtogo Insurance, Saga, Staysure and Total Travel Protection.

Insurers offering business trip cover include Allianz, Direct Line, Coverwise and Insure & Go.

How do I make a claim with my travel insurance company?

To claim on your travel insurance while you are away, make sure that you take your policy number with you and the emergency number for your insurer. If you are travelling abroad, take any international numbers too.

Call your insurer as soon as you realise you need to make a claim. Keep all receipts and medical expense forms. If you are travelling with other people, make them aware of your policy details and the insurer’s phone number in case they need to call on your behalf.

To make a claim when you return home, check the following:

• You haven’t left it too late to make a claim
• What you’re claiming for is covered
• The excess is not more than the value of your claim (if so, it’s not worth claiming)

Notify your insurer as soon as possible for a claim form, send it back fast and keep a copy of it. You should also include copies of paperwork to support your claim, such as receipts or medical certificates (keep copies of the originals in case your claim is queried or refused).

Laura Miller

Laura Miller is a freelance journalist, editor, and producer. She has a wealth of consumer finance experience, having written about money matters and business for over 15 years.

During her tenure as a freelance writer, she has worked for ITN, Wired, and The Sunday Times, as well as financial institutions such as Aegon, the Chartered Insurance Institute, and Pension Bee, where she’s presenter of the Pension Confident Podcast.

Laura has previously held roles at The Times, where she was the Acting Editor of Times Money Mentor, The Telegraph as a senior finance reporter and was the co-host of the It’s Your Money Podcast, which was renowned for making complex finance issues accessible, and The Financial Times, where she worked as a News Editor. Laura has also worked at CNN, Politics.co.uk, and as a producer at Radio 5 Live.

Connor Campbell

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet , Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror , the Daily Express and Business Insider . 

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian , BBC , Reuters and the Evening Standard . 

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

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Churchill Insurance: Travel Insurance reviews

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About the Travel Insurance

Are you looking for a travel insurance policy? At Smart Money People we collect Churchill travel insurance reviews from genuine customers to help you make an informed decision when choosing a new provider. Churchill was founded in 1989 as one of the UK’s first direct motor insurers. Having extended its services over time, Churchill now offers a variety of insurance products including travel insurance. With three different levels of cover and a variety of optional extras, there’s a policy for everyone. Check out our reviews to see how satisfied Churchill customers are with their policies. Perhaps you need winter sports cover for your skiing holiday, or maybe you just want the security of cancellation cover in case something happens beyond your control. Whatever you need from an insurance policy, check our Churchill travel insurance reviews to find out the pros and cons of choosing Churchill as your next provider. Have you ever taken out a travel insurance policy with Churchill? Whether good or bad, share your experience with others on Smart Money People to help us increase trust and transparency in financial services. Tell us about any extras you added to your policy: were they worth it? If you had to make a claim, how well was it handled? Leave a Churchill travel insurance review today, to help others just like you.

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Churchill insurance travel insurance reviews ( 2 ), shame on your churchill, no problems when i went on holiday.

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Churchill Travel Insurance: What Is It and Is It Any Good?

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

When planning a trip, it’s essential to consider travel insurance as a safeguard against unforeseen events. Churchill Travel Insurance is one such provider that has caught the attention of many travelers. In this article, we’ll explore what Churchill Travel Insurance is, its offerings, and whether it’s a good choice for your travel insurance needs. We’ll delve into the key aspects of their policies to provide you with a well-rounded understanding of their services.

In this article...

Overview of Churchill Travel Insurance

Brief history of the company: Churchill Insurance was established in 1989 and has since become a well-known brand in the UK insurance market.

Reputation in the insurance market: Churchill is known for its competitive pricing, comprehensive coverage options, and strong customer service.

Types of policies offered: Churchill Travel Insurance offers policies for single trips, annual multi-trips, and long-stay trips.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation , Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions , Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Key Coverage Features

Medical expenses and hospitalization: Churchill policies cover emergency medical expenses and hospitalization costs up to a specified limit.

Emergency medical evacuation and repatriation: The plans include coverage for emergency medical evacuation and repatriation to your home country.

Trip cancellation , interruption, and delay: Churchill policies provide compensation for trip cancellation, interruption, and delay due to covered reasons.

Baggage loss or delay: The company offers coverage for lost, stolen, or damaged baggage, as well as baggage delay.

Personal liability: Churchill policies include personal liability coverage, protecting you against claims arising from accidental injury or property damage.

Optional add-ons: The insurer offers optional add-ons such as winter sports coverage and business travel extensions.

Pre-existing Medical Conditions

Policy on covering pre-existing conditions: Churchill provides coverage for certain pre-existing medical conditions, subject to eligibility criteria and proper declaration.

Eligibility criteria and declaration process: Travelers must complete a medical screening process to determine if their pre-existing conditions can be covered.

Limitations and exclusions : It’s essential to read the policy documents to understand any limitations or exclusions related to pre-existing medical conditions.

Policy Pricing and Customization

Range of premium options: Churchill offers various premium levels, allowing travelers to choose the most suitable option based on their budget and coverage needs.

Flexibility in choosing coverage limits: Policyholders can customize their coverage limits for various aspects, such as medical expenses and baggage.

Policy upgrades and additional coverage options: Travelers can enhance their policies with optional add-ons like winter sports coverage or business travel extensions.

Claims Process and Customer Support

Steps to file a claim: To file a claim, policyholders must notify Churchill’s claims department, providing necessary documentation and information.

Documentation requirements: Claims typically require supporting documents, such as medical reports, receipts, and travel itineraries.

Customer support availability and responsiveness: Churchill offers customer support via phone and email, with many users reporting positive experiences with the company’s assistance.

User experiences with claims processing: While individual experiences may vary, many customers appreciate the company’s efficient claims processing and fair settlements.

Pros and Cons of Churchill Travel Insurance

Advantages: Churchill Travel Insurance stands out for its competitive pricing, comprehensive coverage, and strong customer service.

Disadvantages: Some travelers may find the medical screening process for pre-existing conditions cumbersome or may be ineligible for coverage.

Comparing Churchill Travel Insurance to Other Providers

Comparison of coverage features, pricing, and customer satisfaction: While Churchill offers a compelling package, it’s essential to compare its offerings with other providers to ensure the best fit for your needs.

Recommendations for specific traveler profiles (e.g., adventure seekers, seniors , families): Adventure seekers may appreciate Churchill’s optional winter sports coverage, while seniors and families may benefit from the company’s competitive pricing and comprehensive coverage options.

Churchill Travel Insurance offers a range of policies designed to meet the needs of various travelers. By examining its coverage features, pricing, claims process, and customer experiences, we’ve provided you with a comprehensive understanding of what this insurance provider has to offer.

While it may have its advantages and disadvantages, it’s crucial to weigh these factors against your specific travel requirements and preferences. In doing so, you can make an informed decision about whether Churchill Travel Insurance is the right choice for your next journey.

Remember that comparing different providers and plans is an essential step in finding the best travel insurance policy for your unique needs. Safe travels!

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Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

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Churchill   Reviews

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Churchill home insurance

I lost one of my hearing aids whilst on holiday. My holiday insurance didn't cover the value so I checked my home insurance and discovered that I was covered by my Churchill insurance .So I placed a claim Churchill immediate put my claim in process and sorted it all out .Everyone that dealt with me were polite and professional

Date of experience : 22 July 2024

If the time comes I will leave a revurw

We will see if I need their services? Wouldnt it be better if a review is written from someone who has had a claim and needed their service, customer care and promptness in acting on the claim. Currently, having just purchased the insurance, that was the best offer with great extras, I have nothing to feed back on yet. Many thanks.

Date of experience : 19 August 2024

Excellent Insurance Company

I have been with Car insurance for the the last more than 15 years. I also has house insurance with Churchill. I have found the company staff very helpful when I required their help. My recent car accident claim was delt with swiftly. Their insurance premium is resendable but recently has increased, may due to price rise in car parts.

Date of experience : 16 July 2024

Reply from Churchill

We’re so glad you’re happy with how your claim was handled. We aim to give you the best service whenever you’re in need.

I have been with Churchill for many…

I have been with Churchill for many years, as I have always found them to be an excellent company. No complaints at all with the advisers, who are always very polite & helpful & 5*. However, the renewals for both the house & car have now absolutely rocketed. I appreciate that this now seems to apply with all ICs, but still find it very disappointing. The 4* rating ths year is only to reflect the price increases.

Date of experience : 06 August 2024

Hi Vanilla. Thanks for the review. We appreciate your feedback, as we're always looking for ways to improve. Our prices are reviewed yearly to reflect changes in claims costs and current market conditions, but it's never our intention to send you a price you're not happy with. We're always happy to check your renewal price, so please don't hesitate to get in touch. Nathan

Fair price (on offer of renewal)…

Fair price (on offer of renewal) without customer having to ask for it. Easy to claim (when it was necessary to do so) with good settlements.

Date of experience : 16 August 2024

Bought policy through a price comparison website

I've had Churchill car insurance for the past year and been happy with the cover provided. At renewal, I bought a Churchill policy again, through a price comparison site, as this represented the best value for money.

Date of experience : 21 August 2024

Glad we could be there to help Gill. You can count on us and if you ever need us in the future we will be there. Sarah

Everything was sorted out by you at a …

Everything was sorted out by you at a fare price so I didn't have to do anything which was great so I be staying with you for anther year thanks Steve Richards

We're glad you're happy with the service you received from Stephen. Thanks for your loyalty and the five-star review! Sarah

Churchill offered the best car insurance deal for me

Wanted to change my car insurance and chose Churchill from a range of deals on a comparison website. Churchill website was easy to negotiate and I was happy that I'd made the right decision.

Sensible prices for good cover

Sensible prices for good cover, easy to sign up via link from Compare the Market. Extras for electric car owners.

Very Happy with price

Very easy to use comparison sites which led to a saving of £130 approx per year. Once chosen the whole procedure was simple

It was so quick and easy to change my…

It was so quick and easy to change my car insurance to Churchill. No fuss or bother and cheaper than my other insurance for the same cover.

I shopped around for a competitively…

I shopped around for a competitively priced home insurance which was cheaper than my renewal price. Churchill provided a better insurance, meeting my needs for the same price, with much more cover. I needed to confirm a few points and was able to speak with a very polite and informative representative who answered all my questions proficiently.

Thank you for your kind review. I'm thrilled to hear that you found a policy that met your needs and provided better coverage at a competitive price. We appreciate you taking the time to share your positive experience with us, and I'm glad that our representative was able to answer your questions thoroughly. Thank you for the five-star review. Nathan

Home insurance

I’ve used Churchill for a number of years very easy to use and renew, no quibble if you unfortunately need to claim. Highly recommend their services

Glad we could be there to help Chris. You can count on us and if you ever need us in the future we will be there. Sarah

Typical insurance racket

Typical insurance racket - very opaque explanations, automated procedures and fobbed off at every opportunity. Car written off after a minor low speed front end accident, using very flimsy and opaque ' engineers report ' to justify high repair costs, enabling Churchill to repair easily and recoup their losses by selling the car again as a car D write off. Very poor service

Date of experience : 21 July 2024

I’ve left a link to our website below, where you can raise this as a complaint and find more information about our complaints processes. We have several ways to raise this, including an online complaint form available on the site. Once we’ve received your complaint, one of the team will be in touch to try and resolve this with you. ​ https://www.churchill.com/contact-us/complaints

Churchill car insurance, is this a dishonest renewal?

Last year I paid around £250 for car insurance with Churchill. Near the end of the policy I changed the car to: SAME make, SIMILAR model, SMALLER engine but NEWER. When the renewal came through it said “last year you paid £440” and your renewal price would be around £480 ! After an hour online talking to one ‘Bot’ and two agents, they came up with the story that £440 was what I would have paid if I had insured the newer car last year! They said there was nothing they could do to reduce it. Ok, there was no way I was going to pay almost DOUBLE for the newer car with a SMALLER engine, so I gave up on Churchill ! Thirty minutes later, on a well know Comparison Site, Churchill came up as the second cheapest quote of around £280 (including the Comparison Site fee !) I wish I could give zero stars My question: Is this considered to be dishonest?

Date of experience : 02 August 2024

Great price

I made the choice via go compare web site it was easy to take out car insurance with Churchill and it was much cheaper than my current provider by£200

I’m glad to hear we could offer a competitive quote, Ian. Thank you for the positive feedback and the five-star review. Nathan

Cheapest on internet at that time but I…

Cheapest on internet at that time but I have not had a claim in 27 yes+ iv got a clean license not fair on me.

Great price with a great company …

Quick and easy to get quote I got more cover and a cheaper price with Churchill my husband is going to use them when his renewal is due

We're thrilled to hear you found our quote process quick and easy, and that you were able to get more cover at a cheaper price. I'm glad you're happy with your experience and I hope your husband has a positive experience as well and we look forward to having you both as customers. Thank you for the five-star review. Nathan

Process was quite simple until it was…

Process was quite simple until it was time to pay and the system seemed to crash so I ended up having to phone Churchill which defeated the object of buying online.

Car insurance and logging in to account

I received my vehicle renewal notice from another well known insurer who I had been with for a couple of years.. When I rang Churchill for a quote they were £150 less for the identical cover. Later I was having difficulty logging in to my account. The person I spoke to identified the issue, ie my email address had not been logged on to my account. He resolved the issue quickly and I now have access to my account.

Date of experience : 15 August 2024

Hi Karen. We appreciate you taking the time to share your experience. I'm glad to hear that you found our quote to be competitive and that our customer service representative was able to resolve your login issue promptly. Thank you for the five-star review. Nathan

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United℠ Explorer Card

United℠ Explorer Cardmembers enjoy built-in travel protection benefits that give you peace of mind while traveling near and far.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days. 

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses made with your United Explorer Card, such as meals and lodging, up to $500 per ticket.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is cancelled or cut short by sickness, severe weather and other covered situations.

Travel Accident Insurance

When you pay for your air, bus, train or cruise transportation with your United Explorer Card, you’re eligible to receive accidental death or dismemberment coverage of up to $500,000.

Auto Rental Collision Damage Waiver

Decline the rental company’s collision insurance and charge the entire rental cost to your United Explorer Card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

For assistance with all United Explorer Card protection benefits, please call 1-888-880-5844 or 1-804-673-1691 . International charges may apply; please contact your service provider for additional details.

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Churchill Explorer

Maple Leaf Collection

Churchill, Manitoba is one of the most alluring destinations in North America. Known for its spectacular scenery, wondrous wildlife, seductive spirit; a one-of-a-kind northern town like no other. Lying on the edge of the arctic, venture out in a rover over the tundra and taiga learning about the unique landscape of the area and make sure to always be on the lookout for wildlife such as caribou, eagles, and if your lucky, a polar bear! Known as the Polar Bear and Beluga Whale capital of the world, during the summer months you will see Belugas by the hundreds in the Churchill river estuary on a whale watching tour followed by a tour of Fort Prince of Wales. Enjoy a lovely town & area tour, visit Cape Merry National Historic Site, the Itsanitaq museum and enjoy some free time to wander around this special northern town!

Day 1 – Regina, SK to The Pas, MB

Starting out in Regina, the coach will travel to Saskatoon with pickups en route to the first overnight, The Pas.

Day 2 – The Pas to Thompson

 We will stop at  Pisew Falls Provincial Park  to stretch our legs before arriving in Thompson where we will board  Via Rail .

Day 3 – Via Rail to Churchill

The train is scheduled to arrive in Churchill this morning. First on our agenda will be meeting our local guide who will take us on a  town tour .  Some other highlights include  Cape Merry National Historic Site  (most northern point) and  wildlife  (there is only a 25% chance of seeing polar bears at this time of year). This evening, a  welcome reception  will be held at the hotel.

Day 4 – Churchill

Today we will visit the  Itsanitaq Museum  (formerly called the Eskimo Museum) and get out on the water with Sea North Tours for a  Beluga Whale Watching Tour  followed by a tour of  Fort Prince of Wales  with a Parks Canada guide.

*The timing for today is dependant on the tides.

Day 5 – Churchill to Via Rail

Depart on a  Polar Rover tour  out onto the tundra, keep your eyes peeled for caribou, eagles, and other wildlife as well as the unique looking trees. The rest of the day can be spent exploring the town on your own or shopping. This evening we will board  Via Rail  and head back to Thompson.

Day 6 – Via Rail to Thompson And Then The Pas

This morning our train arrives in Thompson where our coach has been patiently waiting for us. We return to The Pas for our last night.

Day 7 – The Pas to Regina

Lots of time today to reminisce with everyone about our Churchill adventure before arriving back home.

Dates & Prices

Double occupancy, triple occupancy, single occupancy.

All prices are per person, land only and include all taxes and fees. Prices are in CAD.

Not included in price:

• Gratuities for Tour Director and Driver
• Meals and activities not specified in the itinerary
• Any personal expenses
• Travel Insurance
• Pre or post tour arrangements

Tour Highlights

Known as the polar bear and beluga whale paradise, Churchill is sure to give you an unforgettable experience. Enjoy unparalleled northern landscapes on board the train, the only dry land connection to this remarkable community. 

Beluga Whale Watching Tour

This tour is a favourite for many as you get an hour of interacting with our beautiful beluga whales and also see an important part of Canada’s history at the Prince of Wales Fort.

Watch as belugas surround your boat, knowing that the experienced guides and special safety features of the boat ensure that even the most curious belugas will remain unharmed.

Then the tour docks at the Fort which is rich in history and timeless beauty. Step inside to admire the strength of this stone structure that has been standing guard for 250 years at the mouth of the Churchill River. What used to be a bustling hub for fur traders was later reinvented into a stone fortification when peace was threatened between England and France. There was a strong desire to control Hudson Bay’s resources and the Prince of Wales Fort had the most advantageous position for defence. Take a trip back in time through the ruins of the fort that took 40 years to build under the harsh survival conditions of the Arctic.

Polar Rover Tour

Explore the Churchill Wildlife Management Area in our luxurious Polar Rover. These vehicles are heated, wheelchair accessible, reclining seats, easily opened windows and have comfortable washrooms with flush toilets. All our vehicles have outdoor grated see-through decks and the vehicle height is designed to ensure passenger safety and comfort.

Because of the unique requirements to keep people safe from the polar bears yet enable them to safely view the polar bears, these vehicles have to be custom built for both rough terrain travel and passenger comfort. They are designed and constructed in Winnipeg, Manitoba, Canada by Don Walkoski.

Although massive, our Polar Rovers put down a low 4lbs per square inch in ground pressure minimizing damage to the fragile arctic landscape which is due to the large tires that we use. The machines burn an average of 12-15 gallons of fuel per day because of the low gear ratios and small 210 hp diesel engines that power the vehicle.

**There is only a 25% chance of seeing polar bears at this time of year

Churchill Town & Area Tour

Join your local guide and get to know the Town of Churchill and surrounding area. On this tour you'll visit Cape Merry, Miss Piggy, the Polar Bear Jail and the Churchill Northern Studies Centre. Make sure to keep a lookout for wildlife (there is only a 25% chance of seeing polar bears this time of year).