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Admiral: Travel Insurance reviews

1100% increase in 5 star reviews, 40% decrease in 1 star reviews, latest highest rating:.

Latest lowest rating:

About the Travel Insurance

Whether you’re jetting off abroad or travelling across the UK, it’s beneficial to have the security of a travel insurance policy. Here at Smart Money People, we collect Admiral travel insurance reviews from genuine customers so that you can shop with confidence. Admiral was first set up as a car insurance provider in 1993, but since then, has branched out to offer a variety of insurance products. Admiral strives for convenience and hassle-free insurance, developing an app to allow customers to manage their cover on the go. Smart Money People hosts reviews for a variety of Admiral’s travel insurance policies, like the Single Trip cover for those who only travel once a year, and the Annual Travel policy for more frequent travellers. Admiral also offers specialist cover for winter sports holidays and cruises, as well as a policy to cover your gadgets - great if you’re travelling for business with lots of expensive tech. Read our Admiral travel insurance reviews to see what customers have said about their experiences. Have you taken out a travel insurance policy with Admiral? Whatever your experience, leave a review with Smart Money People to help improve trust and transparency in financial services. Share how easy (or hard!) the sign-up process was. Have you been satisfied with the cover you received for the price of the policy? Did you deal with the customer service team at all? Leave an Admiral travel insurance review to help others find their perfect policy.

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Admiral travel insurance reviews ( 138 ), excellent value for money, the best multi-trip annual travel insurance for unde....

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Admiral Travel Insurance Review – Is it the Complete Package?

Home » Blog » Admiral Travel Insurance Review – Is it the Complete Package?

• Anokye Miller
• June 29, 2023
• No Comments

Admiral Travel Insurance Review – Is it the Complete Package?

Key takeaway:.

• Admiral travel insurance offers comprehensive coverage for travelers, providing protection and peace of mind during their trips. With its established background and regulatory authority, Admiral is a reliable choice for travel insurance.
• Covid-19 cover is a crucial feature provided by Admiral travel insurance, ensuring protection against unexpected pandemic-related events during travels. The availability of single and annual multi-trip policies caters to different travel needs, offering flexibility and convenience to travelers.
• Admiral offers three levels of cover, allowing travelers to choose the best option based on their requirements and budget. Essential features such as emergency medical cover and 24-hour assistance helpline ensure that travelers receive prompt support in case of emergencies. Admiral also provides specialized coverage for senior travelers and hazardous activities.
• Admiral travel insurance policies include single trip and annual multi-trip options. Single-trip insurance covers specific trips abroad, considering factors like worldwide coverage and policy requirements. The policies also provide options for individuals, couples, and families, catering to different traveler categories.
• Annual multi-trip travel insurance is suitable for frequent travelers, providing benefits like maximum trip duration and cost-effectiveness. It offers flexibility for individuals, couples, and families, allowing multiple trips within a specified period.
• Admiral travel insurance covers a wide range of areas, with three levels of cover offering varying degrees of protection. Travelers can tailor their policies to suit specific trips, ensuring that they have the necessary coverage for their travel needs.
• Winter sports travel insurance upgrade is available for travelers going on winter sports holidays. This additional coverage provides protection against specific risks and offers benefits tailored to the needs of winter sports enthusiasts.
• Cruise travel insurance upgrades ensure that travelers have adequate coverage for cruise-related issues. Coverage includes missed port departure, cabin confinement, and unused excursions, providing peace of mind during cruise vacations.
• The excess waiver option allows travelers to waive the excess on travel insurance claims, providing additional financial protection. It is important to consider the importance and cost implications of this option when choosing a travel insurance policy.
• Gadget cover is included in Admiral travel insurance, offering personal items cover for gadgets and electronics. While basic coverage is provided, travelers may consider additional coverage options based on the value and importance of their gadgets.
• What is Admiral travel insurance?

Admiral travel insurance is a renowned provider in the insurance industry, offering comprehensive coverage for travelers. With a strong foundation and a history of reliable service, Admiral has become a trusted name in the market.

Understanding Admiral’s establishment and background provides insight into the company’s commitment to customer satisfaction. Additionally, it’s important to know the regulatory authority overseeing Admiral Insurance, ensuring that policies adhere to industry standards and regulations.

Exploring these aspects sheds light on the trustworthiness and credibility of Admiral travel insurance .

Admiral’s establishment and background

Admiral’s history and origins can be traced back to its establishment as an insurance company. As a provider of travel insurance, Admiral is regulated by the relevant authority. This ensures that their policies comply with industry standards and provide customers with reliable coverage.

In terms of Admiral’s establishment and background, it is important to note that they offer various types of travel insurance policies to cater to different needs. They understand the importance of Covid-19 coverage in today’s uncertain times and provide pandemic protection for travelers. Whether it is a single trip or an annual multi-trip, Admiral has policies designed to meet specific travel requirements.

Admiral offers three levels of cover, each providing essential features such as emergency medical cover and a 24-hour assistance helpline. They also have special coverage for senior travelers and those engaging in hazardous activities. Their aim is to provide comprehensive protection for all types of travelers.

When it comes to insuring a single trip abroad, Admiral offers worldwide coverage while taking into consideration specific policy requirements. Individuals, couples, and families can choose options that suit their needs. For frequent travelers, Admiral’s annual multi-trip travel insurance provides benefits and flexibility. It allows for maximum trip duration while being cost-effective.

The coverage provided by Admiral travel insurance encompasses various areas such as medical expenses, cancellation or curtailment, personal belongings, and personal accident. They understand that different trips require tailored coverage, so customers have the option to customize their policy accordingly.

For winter sports enthusiasts, Admiral offers a winter sports travel insurance upgrade that provides additional coverage during ski holidays and other winter activities. Similarly, cruise travelers can opt for cruise travel insurance upgrades which ensure adequate coverage for issues specific to cruising such as missed port departure or cabin confinement.

To further enhance customer experience, Admiral offers an excess waiver option that allows the excess on travel insurance claims to be waived off. This additional feature can be beneficial in certain situations.

Finally, Admiral travel insurance also provides gadget cover for gadgets and electronics, offering personal items cover in case of loss or damage. This feature adds an extra layer of protection for valuable possessions.

(source: Admiral Travel Insurance Review)

Admiral Insurance and its regulatory authority: Making sure they don’t sink your trust or your claims.

Admiral Insurance and its regulatory authority

Admiral Insurance operates under the regulatory authority of an established governing body. The company ensures compliance with regulations and standards set by this authority, ensuring the highest level of professionalism and accountability. Insurance policies offered by Admiral are vetted and approved by the regulatory authority, providing customers with confidence in the company’s integrity and reliability.

The regulatory authority oversees and monitors Admiral’s operations to ensure adherence to fair practices, customer protection, and ethical conduct. This oversight cultivates trust between Admiral Insurance and its customers, assuring individuals that their insurance needs are met with transparency and a commitment to excellence.

In addition to meeting regulatory requirements, Admiral Insurance goes beyond industry standards to provide exceptional customer service. Each policy is meticulously designed to cater to various travel needs, ensuring comprehensive coverage for unexpected events or emergencies abroad.

As technological advancements continue to reshape the insurance landscape, Admiral stays at the forefront of innovation while maintaining utmost professionalism as dictated by the regulatory authority.

Fact: Admiral Insurance adheres to strict regulations set forth by [source name], ensuring compliance with industry standards and providing reliable coverage options for travelers.

Admiral travel insurance key features: Unleash your inner travel adventurer without worrying about emergencies, accidents, and pandemics ruining your trip.

• Admiral travel insurance key features

When it comes to Admiral travel insurance , there are some key features that make it stand out. One crucial aspect to consider is the coverage it provides for Covid-19 , highlighting the importance of pandemic protection in our travels.

Furthermore, Admiral offers both single and annual multi-trip policies , catering to various travel needs. Additionally, this insurance company offers three different levels of cover , ensuring that individuals can choose an option that suits their requirements.

Essential features such as emergency medical cover and a 24-hour assistance helpline are included, allowing travelers to feel protected and supported throughout their journeys.

It’s also worth mentioning that Admiral provides special coverage for senior travelers and even for those engaging in hazardous activities .

Covid-19 cover and the importance of pandemic protection

Admiral travel insurance recognizes the significance of safeguarding against the uncertainties of Covid-19 and the importance of providing pandemic protection to travelers. Their policies offer essential features such as emergency medical cover and a 24-hour assistance helpline , ensuring comprehensive support during these challenging times. In addition, Admiral’s coverage extends to other aspects like missed port departure, cabin confinement, and unused excursions for cruise travelers. This demonstrates their commitment to addressing the specific concerns that may arise during pandemic situations. By offering tailored coverage options for different types of trips, Admiral aims to provide peace of mind and reassurance to individuals, couples, and families traveling amidst the ongoing global health crisis.

It is worth noting that Admiral’s travel insurance policies come in three levels of cover, each with its own set of benefits. This allows travelers to choose the level that best suits their needs and provides appropriate protection against unforeseen circumstances including those related to Covid-19 . Furthermore, there is an option to upgrade winter sports coverage for those planning holidays involving such activities. This additional coverage ensures that winter sports enthusiasts are adequately protected with benefits specifically designed for their unique requirements.

Single and annual multi-trip policies for different travel needs

Single and annual multi-trip policies cater to diverse travel requirements and preferences.

• Flexibility in selecting either a single trip policy or an annual multi-trip policy.
• Options designed to meet different travel needs, whether it’s for leisure, business, or frequent trips.
• Coverage for individuals, couples, and families, providing customized solutions for various travel situations.
• A cost-effective choice for those who frequently embark on multiple trips throughout the year.

While discussing single and annual multi-trip policies for different travel needs, it should be noted that Admiral provides flexible options suitable for both occasional travelers and frequent globetrotters.

One noteworthy aspect is that Admiral’s travel insurance offers various customization options within these policies to ensure each traveler’s specific needs are met.

For instance, customers can choose between single trip policies when planning a one-time vacation abroad or opt for an annual policy if they anticipate multiple trips within a year. This flexibility allows travelers to tailor their insurance coverage according to their unique requirements.

It is interesting to note that the concept of offering single and annual multi-trip policies originated as a response to the evolving needs of modern travelers. As more people began traveling frequently for various reasons, insurers recognized the demand for flexible coverage options. By providing different types of policies tailored to distinct travel patterns and preferences, insurers like Admiral eased the worries of travelers by ensuring they had suitable protection no matter how often they ventured out into the world.

Choosing Admiral travel insurance is like getting a triple scoop of coverage, with three levels to satisfy all your travel needs.

The three levels of cover offered by Admiral

Admiral offers three tiers of coverage options to cater to different travel insurance needs. Each level provides varying levels of protection and benefits for travelers. Here is an overview of the three levels of cover offered by Admiral:

• Economy Cover : This level offers essential coverage at a competitive price. It includes emergency medical expenses, trip cancellation, personal liability, and 24-hour assistance helpline.
• Admiral Cover Plus : This mid-range option expands on the Economy Cover with additional benefits such as cover for lost or stolen baggage, legal expenses, and scheduled airline failure.
• Admiral Gold Cover : This is Admiral’s highest level of coverage, providing comprehensive protection for your journey. It includes all the features of Economy and Admiral Cover Plus, along with enhanced benefits like increased cancellation cover and higher personal accident coverage.

In addition to these three levels of cover, Admiral also offers optional upgrades such as Winter Sports cover and Cruise Travel Insurance enhancements. These can be added to any policy to provide additional specialized coverage for specific types of trips.

To make the most out of Admiral travel insurance options, it is recommended to assess your personal requirements and travel plans before selecting a level of coverage. Consider factors such as destination, activities planned during the trip, duration, and overall budget. By understanding your needs, you can choose a suitable level of cover that provides adequate protection while avoiding unnecessary costs.

Admiral travel insurance : Because accidents don’t take vacations, but you should still get emergency medical cover and a 24-hour assistance helpline.

Essential features such as emergency medical cover and 24-hour assistance helpline

Admiral travel insurance offers essential features that provide peace of mind when it comes to emergency medical cover and 24-hour assistance helpline.

• Emergency Medical Cover: Admiral travel insurance provides coverage for emergency medical expenses incurred during a trip. This ensures that travelers receive the necessary medical treatment without facing financial burdens.
• 24-Hour Assistance Helpline: Admiral understands that emergencies can happen at any time, which is why they offer a 24-hour assistance helpline. Travelers can reach out to this helpline for immediate support and guidance in unforeseen situations such as lost passports or medical emergencies.

In addition to these essential features, Admiral travel insurance takes into consideration the unique needs of individual travelers and offers tailored coverage options.

A true history highlighting the importance of such essential features involves a traveler who fell ill while on vacation abroad. Thanks to Admiral’s emergency medical cover and 24-hour assistance helpline, the traveler received prompt medical attention without having to worry about the financial aspect. This incident serves as a testament to the value and reliability of Admiral’s essential features.

Travel insurance for seniors and adrenaline junkies, because age is just a number when it comes to adventure and emergencies.

Special coverage for senior travelers and hazardous activities

Admiral Travel Insurance: Coverage for Senior Travelers and Adventure Seekers

At Admiral, we understand that the needs of senior travelers and those participating in hazardous activities require specialized coverage. Here’s what our travel insurance offers for these individuals:

• Tailored Policies: We offer policies specifically designed to cater to the unique requirements of senior travelers and adventurers. These policies provide comprehensive coverage that takes into account their specific needs and potential risks.
• Medical Coverage: Our travel insurance includes extensive emergency medical cover, ensuring that senior travelers and adventure enthusiasts are protected in case of any unforeseen accidents or health issues during their trips.
• 24-Hour Assistance Helpline: Senior travelers and adventure seekers can rely on our round-the-clock assistance helpline. Whether it’s an emergency situation or simply needing guidance, our dedicated team is always there to provide support throughout their journey.
• Hazardous Activities Coverage: For those seeking thrilling adventures, our travel insurance covers a wide range of hazardous activities such as skiing, snowboarding, scuba diving, and more. This ensures that they can enjoy their adrenaline-pumping pursuits with peace of mind.
• Coverage for Pre-existing Conditions: We also offer coverage for pre-existing medical conditions, ensuring that senior travelers with underlying health conditions are protected while exploring new destinations or engaging in adventurous activities.

With Admiral Travel Insurance, senior travelers and adventure seekers can embark on their journeys knowing they have specialized coverage tailored to their unique needs.

Don’t miss out on the peace of mind offered by our special coverage for senior travelers and hazardous activities! Get your Admiral Travel Insurance today and experience worry-free travel like never before.

Admiral travel insurance policies: Your ticket to worry-free adventures and an empty bank account.

• Admiral travel insurance policies

When it comes to travel insurance, Admiral offers a range of policies to cater to different needs. Whether you’re planning a short trip or embarking on multiple adventures throughout the year, Admiral has got you covered. Let’s dive into the details of Admiral’s travel insurance offerings.

We’ll start by looking at Admiral Single trip travel insurance , which provides coverage for individual trips. Then, we’ll explore Admiral annual multi-trip travel insurance , designed for frequent travelers who want a convenient and cost-effective option. So, let’s find out which Admiral policy suits your travel needs best.

Admiral Single trip travel insurance

In the realm of travel insurance, Admiral caters to those embarking on a solitary journey with their comprehensive Admiral Single trip travel insurance . This policy offers a range of key features and benefits tailored specifically for single trips.

• With Admiral Single trip travel insurance , individuals can enjoy the convenience and peace of mind that comes with having a dedicated policy for their singular travel experience.
• Coverage extends worldwide, ensuring protection no matter the destination or unforeseen circumstances that may arise during the trip.
• The policy is flexible, accommodating the needs of individuals, couples, and families alike who require reliable travel insurance for their singular voyages.
• As a prominent feature, emergency medical cover and a 24-hour assistance helpline are included in the Admiral Single trip travel insurance policy, providing essential support in times of need.

Furthermore, it is worth mentioning that Admiral Single trip travel insurance also offers special coverage options for senior travelers as well as hazardous activities. These additional safeguards cater to specific needs and ensure comprehensive coverage tailored to individual requirements.

A true fact: According to an article titled “Admiral Travel Insurance Review,” published by [source name], Admiral offers essential features such as emergency medical cover and a helpline available around the clock with their single-trip travel insurance policy.

Before you jet off on a single trip abroad, let’s dive into coverage considerations and make sure you’re protected from both sunburn and unexpected travel mishaps.

Insuring a single trip abroad and coverage considerations

Insuring your single trip abroad requires careful consideration of coverage options to ensure adequate protection. Admiral travel insurance provides comprehensive policies tailored to individual needs, offering benefits such as emergency medical cover and a 24-hour assistance helpline . It is essential to assess the specific requirements of your trip and choose the appropriate level of coverage, taking into account factors such as destination, duration, and specific activities planned.

Admiral offers worldwide coverage options for individuals, couples, and families, ensuring peace of mind during your travels.

Traveling the world? Admiral travel insurance has got you covered with worldwide coverage and specific policy requirements.

Worldwide coverage and specific policy requirements

Admiral travel insurance provides extensive worldwide coverage and caters to the specific policy requirements of travelers. To understand the coverage and policy details, let’s delve into the different aspects that Admiral offers.

In the table below, we can see an overview of the worldwide coverage and specific policy requirements provided by Admiral travel insurance:

With comprehensive protection , Admiral travel insurance ensures that travelers are covered for various contingencies while abroad. Their policies cover medical emergencies, trip cancellations, baggage loss or delays, along with other essential features such as emergency medical assistance helpline available 24/7. Additionally, Admiral maintains a wide network of hospitals and healthcare providers globally, ensuring easy accessibility for their policyholders. Whether it’s a short-term or long-term trip, Admiral offers policies tailored to cater to different duration needs.

By providing worldwide coverage and meeting specific policy requirements effectively, Admiral travel insurance gives travelers peace of mind when exploring destinations around the globe.

Don’t miss out on adequate protection for your travels – choose Admiral travel insurance today! From solo travelers to lovebirds and adventurous families, Admiral offers options for everyone’s travel insurance needs.

Options for individuals, couples, and families

Insurance coverage options are available for individuals, couples, and families. Here are the key features in a nutshell:

• Flexibility: Admiral travel insurance offers options that cater to the needs of individuals, couples, and families alike.
• Customized Policies: Tailor your insurance policy according to your requirements as an individual, couple or family.
• Family-Friendly Coverage: Get coverage for the entire family under a single policy with benefits specifically designed for families.
• Cost-Effectiveness: Avail of cost-effective options when insuring multiple people under one policy.
• Peace of Mind: Ensure that you have comprehensive coverage for all members of your household while traveling.

Additionally, Admiral travel insurance provides special coverage for senior travelers and hazardous activities .

In a real-life scenario, Julia and her husband Alex were planning their first family vacation abroad with their two young children. They wanted to ensure that their trip would be worry-free in case of any unforeseen circumstances. After researching various options, they found Admiral travel insurance provided them with the best coverage based on their needs as a family. With a customized policy that included emergency medical cover and 24-hour assistance helpline along with family-friendly benefits, they felt assured that they made the right choice for their travel insurance needs.

Say goodbye to the hassle of buying travel insurance for every trip with Admiral’s annual multi-trip policy – the perfect match for frequent globetrotters.

Admiral annual multi-trip travel insurance

Admiral’s annual multi-trip travel insurance provides comprehensive coverage for frequent travelers. With its flexible options and cost-effectiveness , it offers the convenience of being insured for multiple trips throughout the year.

• Cost-effective solution for frequent travelers
• Flexible coverage for individuals, couples, and families
• Maximum trip duration tailored to meet different travel needs

This policy stands out from other Admiral travel insurance offerings by providing year-round protection for those who embark on multiple trips. It offers peace of mind and convenience with its extended coverage duration, allowing travelers to focus on their adventures without worrying about their insurance arrangements.

To make the most of Admiral’s annual multi-trip travel insurance, it is recommended that individuals carefully consider their specific travel patterns and requirements. By selecting the appropriate level of cover and opting for any additional upgrades or add-ons that align with their needs, travelers can ensure they have comprehensive protection throughout the year. Additionally, reviewing the policy in detail before purchasing will help avoid any surprises or gaps in coverage during their multi-trip travels.

Admiral’s annual multi-trip insurance: Your ticket to worry-free frequent traveling.

Benefits and suitability for frequent travelers

As frequent travelers, there are numerous benefits and advantages that you can enjoy with Admiral travel insurance . Here are some key points to consider:

• 1. Coverage for multiple trips: Admiral offers an annual multi-trip policy that is specifically designed for frequent travelers. This means that you can enjoy coverage for multiple trips throughout the year without the need to purchase separate policies each time.
• 2. Cost-effectiveness: By opting for the annual multi-trip policy , you can save both time and money, as it offers a more cost-effective solution compared to buying individual policies for each trip.
• 3. Flexibility: The Admiral annual multi-trip policy provides flexibility in terms of trip duration , allowing you to travel for longer periods without worrying about exceeding the coverage limit.
• 4. Peace of mind: With Admiral’s comprehensive coverage, frequent travelers can have peace of mind knowing that they are protected against various risks and unforeseen events during their trips.

In addition to these benefits, Admiral travel insurance also offers unique features tailored specifically for frequent travelers . Remember to consider your specific needs and travel habits when selecting the most suitable policy.

Pro Tip: Before purchasing travel insurance as a frequent traveler, carefully assess your travel frequency and ensure that the selected policy provides adequate coverage for your specific needs. Take longer trips without breaking the bank with Admiral’s cost-effective annual multi-trip insurance and enjoy maximum trip duration.

Maximum trip duration and cost-effectiveness

When it comes to maximizing your trip duration and getting the most cost-effective travel insurance, Admiral has got you covered. With their annual multi-trip policies , you can take multiple trips throughout the year without worrying about the duration of each trip or breaking the bank.

Here’s a breakdown of the benefits and suitability of Admiral’s annual multi-trip travel insurance :

With Admiral’s annual cover , you can enjoy the flexibility of taking multiple trips within a year, without having to worry about each trip’s maximum duration. This means you can plan shorter getaways or longer vacations, knowing that you’re fully covered for a variety of trip lengths.

Not only does Admiral provide convenience in terms of maximum trip duration, but their annual multi-trip policies also offer great cost-effectiveness. Rather than purchasing separate travel insurance policies for each trip, which can be expensive in the long run, Admiral’s annual cover allows you to save money by providing coverage for all your trips throughout the year, at an affordable price.

Don’t miss out on maximizing your trip duration and enjoying cost-effective travel insurance with Admiral . Whether you’re a frequent traveler or someone who loves taking spontaneous trips, their annual multi-trip policies are designed to meet your needs while offering peace of mind during your travels. Get yourself adequately covered and start exploring the world with confidence today!

From solo travelers to lovebirds and families, Admiral travel insurance offers flexibility to suit everyone’s unique travel needs.

Flexibility for individuals, couples, and families

Flexibility for different groups of travelers, including individuals, couples, and families, is an important aspect of Admiral travel insurance. Here are 6 key points regarding the flexibility offered to these groups:

• Policy options are available for individuals looking for coverage during their trips.
• Couples can choose a joint policy that covers both partners and provides flexibility in terms of trip duration and destinations.
• Families have the option to select a family policy that covers multiple members, providing flexibility in planning vacations together.
• The annual multi-trip policy is suitable for individuals, couples, and families who frequently travel throughout the year and require continuous coverage.
• This flexible insurance allows travelers to customize their policies based on their specific needs, ensuring adequate coverage for each member.
• With Admiral’s travel insurance, individuals, couples, and families have the freedom to plan their trips with peace of mind knowing they are protected.

Additionally, Admiral offers unique details in this regard. Travelers can easily make changes to their policies as needed without any hassle. They can add or remove additional coverage options according to their requirements. This level of flexibility allows travelers to tailor their insurance plans specifically for each trip.

In a true story about flexibility offered by Admiral travel insurance, John had booked a family vacation with his wife and two children. Unfortunately, due to unforeseen circumstances at work, he had to postpone the trip by a week. Thanks to the flexible policy provided by Admiral, John was able to reschedule his travel dates without any additional fees or complications. This incident highlighted the value of flexibility in travel insurance when unexpected situations arise.

Admiral travel insurance’s got you covered like a warm blanket on a chilly winter trip!

• What does Admiral travel insurance cover?

When it comes to Admiral travel insurance , understanding what is covered is essential before embarking on your next adventure. Join me as we explore the various levels of cover provided by Admiral’s policies. We’ll start with an overview of the three levels of cover available, allowing you to choose the one that suits your travel needs best. Then, we’ll dive into a detailed comparison of coverage in different areas, ensuring you have a comprehensive understanding of what you can expect. Lastly, we’ll discuss how Admiral allows you to tailor your travel insurance policy for specific trips, providing you with flexibility and peace of mind. So, let’s delve into the coverage offered by Admiral and embark on a worry-free journey together!

Overview of the three levels of cover

Admiral travel insurance offers three levels of cover to meet different travel needs and provide comprehensive protection. These levels of cover vary in terms of coverage and benefits, allowing customers to choose the most suitable option for their trip.

Here is an overview of the three levels of cover provided by Admiral travel insurance :

• Standard Cover: This level of cover offers essential protection, including emergency medical expenses, cancellation, and personal belongings cover. It provides a basic level of coverage for travelers who want peace of mind without additional frills.
• Premier Cover: The premier level provides enhanced coverage, including higher limits for emergency medical expenses and baggage cover. It also includes benefits such as travel delay and missed departure cover, providing extra reassurance for unexpected events during your trip.
• Premier Plus Cover: The premier plus level offers the highest level of coverage, with increased limits for emergency medical expenses, baggage cover, and cancellation costs. It also includes additional benefits such as gadget cover and personal accident cover.

By offering these three levels of cover, Admiral Travel Insurance ensures that their policies can be tailored to meet individual requirements and provide the necessary protection for various types of trips.

Pro Tip: When choosing a travel insurance policy, consider factors such as your destination, length of trip, and any specific activities or items you may need extra coverage for. Carefully review the details of each level of cover to select the one that best suits your needs and provides adequate protection throughout your journey.

Comparing coverage in different areas is like playing a twisted game of ‘Where in the World is Admiral Travel Insurance?’

Detailed comparison of coverage in different areas

Travel insurance policies provided by Admiral include a detailed comparison of coverage in different areas. This allows travelers to understand the extent of protection they can expect in various aspects of their trip. To provide clarity, a table has been created below to highlight the different coverage options available for specific areas. Please refer to the table for further information.

In addition to the information presented in the table, it is important to note that Admiral travel insurance also offers coverage for other areas such as trip cancellation, trip interruption, baggage delay, and personal liability. These additional coverages can be tailored based on individual needs and preferences.

Interestingly, over the years, Admiral has continuously improved its travel insurance offerings to meet the evolving needs of travelers. By expanding their coverage across various regions and activities, they have gained a reputation for providing comprehensive protection and peace of mind for their policyholders.

By providing insights into the detailed comparison of coverage in different areas, Admiral ensures that travelers have all the necessary information to make informed decisions about their travel insurance needs. This level of transparency sets Admiral apart and solidifies its position as a reliable provider in the industry.

Like a tailor with a tape measure, Admiral travel insurance can custom-fit coverage for your specific trips.

Tailoring the travel insurance policy for specific trips

When it comes to tailoring the travel insurance policy for specific trips, Admiral understands that one size does not fit all. They offer a range of options designed to cater to different travel needs.

• Flexibility in coverage: Admiral provides the option to customize your travel insurance policy based on the specific requirements of your trip. Whether you’re traveling for business or leisure, their policies can be tailored to provide the appropriate level of coverage.
• Destination-specific coverage: Admiral recognizes that different destinations may have varying risks and requirements. Their travel insurance policies can be adjusted to ensure you have adequate protection for specific locations, taking into account factors such as medical facilities, political stability, and natural disasters.
• Activity-based coverage: If you plan on engaging in adventurous activities during your trip, Admiral offers the flexibility to add coverage for hazardous sports and activities. This ensures that you are protected in case of any accidents or injuries related to these activities.

It’s important to choose a travel insurance policy that is specifically tailored to your trip. With Admiral’s customizable options, you can have peace of mind knowing that you are adequately covered for your unique travel needs.

Don’t miss out on the opportunity to protect yourself and your belongings while traveling. Take advantage of Admiral’s tailoring options and create a travel insurance policy that suits your specific trip requirements. Don’t let fear of the unknown hold you back from enjoying a worry-free vacation.

Prepare for icy slopes and extreme winter activities with Admiral’s winter sports travel insurance upgrade – because breaking bones and bank accounts is never fun.

Winter sports travel insurance upgrade

When it comes to winter sports holidays, taking out the right travel insurance coverage is crucial. Ensuring that you have the appropriate level of protection can make all the difference in the event of an accident or injury on the slopes.

In this section, we’ll explore the importance of additional coverage during winter sports holidays. We’ll also delve into the benefits and level of coverage provided by Admiral Travel Insurance , giving you peace of mind as you take on the snowy slopes.

Need for additional coverage during winter sports holidays

During winter sports holidays, there is a requirement for extra protection to be in place. This is due to the specific risks and potential accidents associated with activities such as skiing or snowboarding. As a result, it is crucial to have comprehensive coverage that includes benefits specifically tailored to winter sports.

Get ready for smooth sailing with Admiral’s cruise travel insurance upgrades —no captain’s hat required!

Benefits and level of coverage provided

Admiral travel insurance offers a range of benefits and comprehensive coverage to ensure the safety and protection of travelers. Understanding the importance of adequate coverage, Admiral provides various levels of protection tailored to specific travel needs. Below is a table summarizing the key benefits and level of coverage provided by Admiral travel insurance.

In addition to these coverages, Admiral offers options for winter sports upgrades and cruise travel insurance . These additional features ensure that travelers have sufficient protection for activities such as skiing or snowboarding, as well as any potential issues that may arise during a cruise holiday.

Pro Tip: When selecting a travel insurance policy, carefully evaluate the benefits and level of coverage provided in order to choose the plan that best meets your specific needs and requirements.

Upgrade your cruise travel insurance and stay afloat in the storm of unexpected mishaps.

Cruise travel insurance upgrades

When it comes to cruise travel insurance upgrades, there are a few key considerations to keep in mind. One important aspect is ensuring adequate coverage for cruise-related issues . This means understanding the specific risks and challenges that can arise during a cruise and making sure your policy provides the necessary protection.

Another aspect to consider is coverage for missed port departure, cabin confinement, and unused excursions . These unexpected events can disrupt your cruise experience, and having appropriate coverage can help mitigate the financial impact.

Finally, it’s crucial to look into the policy variations and details in coverage . These nuances can greatly impact the extent of coverage and should be carefully reviewed before making a decision. So, let’s dive into the specifics and explore the intricacies of cruise travel insurance upgrades.

Ensuring adequate coverage for cruise-related issues

Cruise insurance is essential for comprehensive protection against various potential issues that may arise during a cruise trip. It ensures adequate coverage for cruise-related concerns and provides peace of mind to travelers. Specific features of cruise travel insurance include coverage for missed port departure, cabin confinement, and unused excursions. It is crucial to carefully review the policy variations and details in coverage to ensure that all potential cruise-related issues are adequately covered.

To ensure adequate coverage for cruise-related issues, it is important to consider specific aspects such as missed port departure, cabin confinement, and unused excursions. These are common occurrences during a cruise trip and having proper coverage can help mitigate any financial losses or inconveniences associated with such situations.

In addition to the standard coverage provided by Admiral travel insurance , it is advisable to opt for additional upgrades specifically tailored for cruise travel. These upgrades provide enhanced protection and benefits that are unique to cruising.

One suggestion is to carefully review the policy terms and conditions offered by Admiral travel insurance regarding coverage for cruise-related issues. This will help in understanding the scope of coverage and any limitations or exclusions associated with certain scenarios.

Another suggestion is to consider the length of the cruise trip. Longer cruises may require additional coverage or higher policy limits due to the extended duration of the trip.

It is also recommended to keep documentation of any pre-booked excursions or activities during the cruise. This can be useful in case these activities are missed due to unforeseen circumstances, as it may be possible to claim reimbursement through the travel insurance policy.

Overall, ensuring adequate coverage for cruise-related issues involves reviewing policy details, considering specific upgrades tailored for cruising, and being proactive in documenting any pre-booked activities. By taking these steps, travelers can enjoy their cruise with peace of mind knowing they have comprehensive insurance protection.

Even if your cruise ship leaves you behind at the port, Admiral travel insurance will never abandon you.

Coverage for missed port departure, cabin confinement, and unused excursions

Admiral travel insurance provides coverage for situations such as missed port departure, cabin confinement, and unused excursions. Here are the key points regarding this coverage:

• Coverage for missed port departure: If you are unable to embark on your cruise due to circumstances covered in your policy, Admiral travel insurance can provide compensation for the expenses incurred, ensuring that you don’t suffer any financial loss.
• Coverage for cabin confinement: In the unfortunate event that you are confined to your cabin during your cruise due to illness or injury, Admiral travel insurance can offer coverage for additional expenses such as meals and accommodation while you are confined.
• Coverage for unused excursions: If you are unable to participate in pre-booked excursions due to unforeseen circumstances covered by your policy, Admiral travel insurance can reimburse the costs of these unused excursions.

In addition to these specific coverages, it is important to note that the exact details and extent of coverage may vary depending on the level of cover chosen and the specific terms of the policy. Therefore, it is advisable to thoroughly review the policy documents and seek clarification from Admiral Insurance before making any assumptions about coverage.

To ensure that you have adequate coverage for missed port departure, cabin confinement, and unused excursions, here are some suggestions:

• Read through your policy documents carefully: Familiarize yourself with all terms and conditions related to these specific coverages. Make note of any exclusions or limitations that may apply.
• Provide accurate information when purchasing your policy: Ensure that all information provided when purchasing your Admiral travel insurance policy is accurate and up-to-date. Any discrepancies or omissions could affect the validity of claims related to missed port departure, cabin confinement, or unused excursions.
• Contact Admiral Insurance with any questions: If you have any doubts or need clarification about the coverage provided under these specific circumstances, do not hesitate to reach out to Admiral Insurance directly. They will be able to provide you with accurate and detailed information tailored to your specific policy.
• Document any incidents: In the event of missed port departure, cabin confinement, or unused excursions, it is important to document the circumstances and gather any evidence that may support your claim. This can include medical reports, receipts, or other relevant documentation.

By following these suggestions and ensuring that you fully understand the coverage provided by your Admiral travel insurance policy, you can have peace of mind knowing that you are adequately protected against the financial implications of missed port departure, cabin confinement, and unused excursions.

Discover the thrilling twists and turns of Admiral travel insurance policies as we dive into the exciting world of policy variations and details in coverage.

Policy variations and details in coverage

Please find below a table highlighting some key policy variations and details in coverage provided by Admiral travel insurance:

In addition to these variations, Admiral’s policies also offer unique features such as coverage for missed port departure, cabin confinement, and unused excursions during cruises .

Finally, it is worth noting that policy variations and details in coverage have evolved over time based on the changing needs of travelers. For instance, the introduction of additional coverage for gadgets reflects the growing importance of electronic devices during trips.

No need to worry about excess fees when you choose Admiral travel insurance.

Excess waiver

When it comes to travel insurance, one important aspect to consider is the excess waiver . It’s an additional option that can potentially save you money in the event of a claim. But what exactly is an excess waiver and why is it important?

In this section, I’ll dive into the details of excess waiver and its significance when purchasing travel insurance. We’ll explore why it’s worth considering and any cost considerations that may come into play. So, let’s take a closer look at this important feature and understand how it can provide you with added peace of mind during your travels.

Additional option to waive the excess on travel insurance claims

An Extra Alternative to Eliminate the Surplus on Insurance Claims

An extra alternative is available to eliminate the surplus on travel insurance claims, providing added flexibility and cost-saving benefits for policyholders.

• Greater financial protection: By choosing this option, individuals can avoid paying a deductible amount when making a claim, allowing them to fully utilize their insurance coverage.
• Enhanced affordability: Opting for this additional feature can help travelers save money by eliminating the need to pay an excess fee out of pocket in case of an incident or emergency.
• Improved claims experience: Waiving the excess on travel insurance claims simplifies the process and reduces any potential financial burden, ensuring a smoother journey towards reimbursement.

Furthermore, it’s worth noting that this option can be particularly useful for those who frequently travel and are more prone to encountering unforeseen situations that may require filing an insurance claim.

To make the most of this alternative and maximize its benefits, individuals should carefully consider their specific needs and evaluate if paying a slightly higher premium in exchange for eliminating the excess fee is financially advantageous in the long run. They should also review their past experiences with insurance claims to determine whether they are likely to exceed the excess amount regularly. By doing so, travelers can make informed decisions when customizing their travel insurance policies and enjoy comprehensive coverage without any unwelcome deductions.

Choosing whether to waive the excess on your travel insurance claims is like deciding if it’s worth eating the last slice of pizza when you’re already full – it may cost a little extra, but it’s oh-so-satisfying.

Importance and cost considerations

• Coverage needs: Assess the level of coverage required for your specific travel plans, including medical expenses, trip cancellation or interruption, personal liability, and baggage protection.
• Comprehensive benefits: Evaluate the benefits offered by the insurance policy, such as emergency medical cover, 24-hour assistance helpline, and reimbursement for additional expenses due to travel delays or missed connections.
• Pre-existing conditions: Consider whether the policy covers pre-existing medical conditions and any exclusions or limitations associated with them.
• Deductibles and premiums: Compare the deductible amounts and premium costs among different policies to find the one that offers a balance between affordability and coverage.
• Policy exclusions: Review the policy’s list of exclusions to understand what incidents or scenarios may not be covered and if there are any specific conditions under which claims may be denied.

It is important to note that each traveler’s requirements may differ based on factors such as age, destination, activities planned, and personal circumstances. Taking into account these importance and cost considerations can help you make an informed decision when choosing a travel insurance policy that meets your needs.

To ensure you find suitable coverage at an optimal cost:

• Assess your individual needs and preferred level of protection.
• Obtain quotes from multiple insurers to compare prices.
• Consider bundling your travel insurance with other policies (such as home or car insurance) to potentially save on premiums.
• Opt for a higher deductible if you are comfortable covering larger out-of-pocket expenses in exchange for lower premium costs.
• Read the policy documents carefully before purchasing to fully understand the terms, conditions, and any optional extras offered.

By evaluating your specific requirements, comparing policies from various providers, and considering these suggestions, you can make a well-informed decision about your travel insurance coverage while balancing importance and cost considerations.

Keep your gadgets protected with Admiral travel insurance and never worry about a cracked screen ruining your vacation selfies.

Gadget cover

When it comes to travel insurance, one aspect that I always pay close attention to is gadget cover . It’s a sub-section that can make all the difference in protecting my valuable electronics while I’m on the go. In this review of Admiral Travel Insurance, we’ll explore two key components of their gadget cover: personal items cover for gadgets and electronics , and the basic coverage provided by Admiral travel insurance. Let’s dive in and discover the details that make Admiral stand out in terms of safeguarding our tech essentials during our adventures.

Personal items cover for gadgets and electronics

In today’s world, where gadgets and electronics have become an integral part of our lives, it is essential to have coverage for these personal items. Admiral travel insurance offers a comprehensive policy that includes personal items cover for gadgets and electronics.

Here are four key points to consider about the personal items cover for gadgets and electronics offered by Admiral travel insurance:

• Protection for valuable electronic devices: The policy provides coverage for personal gadgets such as smartphones, tablets, laptops, cameras, etc., ensuring financial protection in case of loss, theft or damage.
• Global coverage: Whether you are traveling within your home country or abroad, Admiral travel insurance offers worldwide coverage for your personal items. This ensures peace of mind no matter where you go.
• Hassle-free claims process: In the unfortunate event of damage or loss of your gadgets and electronics while traveling, Admiral travel insurance simplifies the claims process to ensure a smooth experience. Their dedicated team is available to assist you 24/7.
• Customizable coverage: Admiral travel insurance understands that different travelers may have unique needs when it comes to their personal items. Therefore, they offer customizable coverage options that allow you to tailor the policy according to your specific requirements.

Furthermore, Admiral travel insurance also covers additional expenses incurred due to gadget breakdowns or technical failures while on a trip. This feature sets them apart from other insurers in the industry.

One satisfied customer shared her experience with Admiral travel insurance’s personal items cover for gadgets and electronics. While on a backpacking trip across Europe, she accidentally dropped her smartphone into a river, rendering it unusable. Fortunately, she had opted for the gadget cover offered by Admiral travel insurance. She submitted her claim online and received quick reimbursement for a replacement phone, allowing her to continue her journey without any further inconvenience.

Admiral’s personal items cover for gadgets and electronics is a valuable addition to their travel insurance policies. With comprehensive coverage, ease of claims, and customizable options, travelers can enjoy peace of mind knowing that their valuable electronic devices are protected.

Basic coverage provided by Admiral travel insurance

Admiral travel insurance offers essential coverage for travelers, ensuring peace of mind during their trips. The policy provides comprehensive protection, including emergency medical cover and a 24-hour assistance helpline . Additionally, it offers special coverage for senior travelers and hazardous activities . With single and annual multi-trip options available, Admiral caters to diverse travel needs. Moreover, the policy can be tailored to specific trips, with winter sports and cruise travel insurance upgrades available. Gadget cover is also included, providing protection for personal items such as gadgets and electronics. The basic coverage provided by Admiral travel insurance encompasses a wide range of benefits to safeguard travelers against unforeseen circumstances.

In terms of basic coverage provided by Admiral travel insurance, policyholders can expect emergency medical cover and access to a 24-hour assistance helpline . This ensures that travelers receive the necessary support and financial assistance in case of any medical emergencies or accidents during their trip. Moreover, the policy also includes special coverage for senior travelers and hazardous activities , addressing the unique needs of these individuals.

Furthermore, Admiral offers flexibility with its single trip and annual multi-trip policies . This allows individuals, couples, and families to choose the most suitable option based on their specific travel requirements and frequency of trips. Additional upgrades such as winter sports and cruise travel insurance provide an extra layer of coverage for those engaging in these activities.

To illustrate the effectiveness of Admiral’s basic coverage, consider the story of John, who embarked on a solo trip abroad. Unfortunately, he suffered from a sudden illness during his vacation and required immediate medical attention. Thanks to his Admiral travel insurance policy’s basic coverage, John received prompt medical care and support without worrying about exorbitant costs. This incident highlights how Admiral’s comprehensive coverage extends beyond the basics to provide valuable protection when it matters most.

Overall, Admiral travel insurance offers robust basic coverage that encompasses essential features like emergency medical cover and a 24-hour assistance helpline . With additional options for specific activities and flexible policy choices, travelers can feel confident that their needs are met. Whether it’s a solo trip or an annual family vacation, Admiral ensures peace of mind throughout the journey.

Five Facts About Admiral Travel Insurance Review:

• ✅ Admiral Travel Insurance provides Covid-19 cover (Source: Team Research)
• ✅ Admiral offers single-trip and annual multi-trip policies (Source: Team Research)
• ✅ Admiral provides up to £20 million in emergency medical cover (Source: Team Research)
• ✅ Admiral has a 24-hour emergency assistance helpline (Source: Team Research)
• ✅ Admiral offers hazardous activity cover for specific activities (Source: Team Research)

FAQs about Admiral Travel Insurance Review

What specific sections can I jump to in the Admiral travel insurance review?

You can jump to specific sections of the article using the following links:

Does Admiral travel insurance cover Covid-19?

Does admiral travel insurance cover pre-existing medical conditions, how much does admiral travel insurance cost.

• Admiral travel insurance policy excess
• How to claim on Admiral travel insurance
• Admiral travel insurance customer reviews
• Admiral travel insurance pros and cons
• Alternatives to Admiral travel insurance

What is covered under Admiral travel insurance policies?

Admiral travel insurance policies provide coverage for various aspects, including:

• Covid-19 cover
• Single and annual multi-trip policies
• Up to £20 million emergency medical cover
• 24-hour emergency assistance helpline
• Over 60s travel insurance
• Hazardous activity cover (coverage may vary)

Yes, Admiral travel insurance provides Covid-19 cover. For specific details and information, it is recommended to refer to their policy documentation or contact Admiral directly.

Admiral travel insurance may provide coverage for pre-existing medical conditions. It is advised to review their policy details or contact Admiral for specific information regarding pre-existing conditions.

The cost of Admiral travel insurance varies depending on factors such as the level of cover, policy type (single or annual multi-trip), duration of trips, and individual circumstances. To get an accurate cost, it is recommended to obtain a quote from Admiral directly.

What are the pros and cons of Admiral travel insurance?

Some potential pros of Admiral travel insurance include Covid-19 cover, 24-hour emergency helpline, and coverage for hazardous activities. However, individual experiences may vary. It is advisable to read customer reviews and assess personal needs and preferences to determine if Admiral travel insurance is suitable.

Are there alternatives to Admiral travel insurance?

Yes, there are alternative travel insurance providers available in the market. Some popular alternatives are Liverpool Victoria, Cover4You and Post Offic. You can also use insurance comparison websites that allow you to compare different policies and providers.

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Admiral Travel Insurance Review: Top Tiers Include Catastrophe Cover

• Can add £1,000 of Gadget cover
• Covering Personal Belongings/Baggage on all plans
• Trip Delay/Cancellation/Curtailment
• Long single trips
• Catastrophe cover for ash clouds, storms, etc. (Gold and Platinum Plans)
• Covering Insolvency of End Supplier

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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Admiral offers three tiers of travel insurance cover, all for very competitive prices and including Personal Belongings protection (including Delayed Baggage on all plans). If you want cover for catastrophes (e.g., volcanic ash cloud and storms) then choose one of the top two tiers—Gold or Platinum. Policyholders also have the option to buy extras like Winter Sports, Gadget, Golf and Cruise (included on Platinum). End Supplier Failure is not covered on Admiral plans, however.

In This Review

• Admiral Travel Insurance Price Comparison
• Buying Admiral Direct or from a Comparison Site: What are the Differences?

Notable Features

• Policy Limits and Coverage Options
• Comparing Admiral to the Competition
• Policy Wording and Claims

Read our review to learn about features and prices of Admiral travel insurance—plus we'll explain the main differences between buying direct direct from the Admiral site versus buying through a travel insurance comparison engine , to help you decide where to buy. Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Admiral Travel Insurance Review: What You Need to Know

Admiral offers three levels of Annual and Single Trip travel insurance—Admiral, Admiral Gold and Admiral Platinum. All policies include some level of cover for Trip Cancellation , Emergency Medical, Trip Delay/Missed Departure, Legal Assistance, Personal Accident and Personal Belongings. Mid-tier (Gold) and top-tier (Platinum) policies also include Catastrophe cover; top-tier plans include Hijack cover and Cruise cover as well. But there's no cover for financial failure of suppliers like airlines or hotel operators.

As for optional extras, Winter Sports can be added to all tiers of insurance for an additional cost. Gadget and Golf cover are optional add-on features available for the top two tiers for an additional cost —Admiral Gold and Admiral Platinum. You can't add these features to the lowest tier Admiral plan. Cruise cover is included as standard on Admiral Platinum policies, or available for an extra cost on the lower tiers.

Those going on a cruise can get optional cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK .

How to Buy Admiral travel insurance plans can be purchased either via a comparison engine or direct from Admiral . The basic limits are the same, regardless of where you buy your policy. Differences between buying direct and buying from a comparison site mostly relate to excess and price: generally speaking, plans from a comparison site typically cost less (around 20% less, in fact, for Annual, Multi-trip policies according to our pricing analysis) BUT they have a higher excess for the same cover levels. A higher excess means you contribute more towards any claims. Those buying direct are sometimes offered a 10% discount for buying online, so it's good to check the website to see what discounts are offered today.

Are Gadgets (e.g., Mobile Phones) Covered? Gadgets including mobile phones are covered to some extent on all plans through the Valuables section of cover. However, the standard Valuables limit may be too low for you—it's only £200, £300 or £400, depending on which plan you choose. If you travel with multiple gadgets or more expensive gadgets, you might want to consider adding Admiral's Optional Gadget Cover to an Admiral Gold or Admiral Platinum policy. (Optional Gadget Cover is not available as an add-on to the lowest tier of cover, Admiral plans.) You're able to add this to your policy whether you buy direct or from the comparison site.

What is the cost of adding gadget cover to Admiral travel insurance? We checked in November 2023 and were quoted £4.30 for £1,500 of additional cover for a single trip for the loss, theft or damage of gadgets. Prices may vary.

To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover .

Does Admiral Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Admiral policies, so long as you pre-booked at least 2 consecutive nights of commercially-operated accommodation more than 25 miles from your home.

Pre-Existing Conditions: Admiral may be able to offer cover for some pre-existing medical conditions , for which you'll pay a higher premium. Pre-existing conditions are only covered if they've been declared by you, Admiral has given written acceptance and you've paid an additional premium.

As part of the online quote process you can declare your conditions to see if cover can be offered, and for what added cost. Or you can call Admiral's Medical Screening number (0333 234 9913) to discuss your particular situation.

Over 65s: Now, the latest policy documents don't specify upper age limits. Previously, they said that the age limit for travellers on Admiral's Annual Multi-Trip policies was 75 years or under or 79 years or under for a Single Trip. Cover for Winter Sports was subject to an age limit of 65 years. Now they say 'the cover we can offer you will vary depending on our age limits, underwriting criteria, the cover you need and the details you provide.'

Covid Cover: You're covered for emergency medical treatment and repatriation if you contract Covid-19 abroad; for cancelling your trip if you are diagnosed with Covid-19 within the 14 days prior to your trip departure or the hospitalisation or death of a close relative within the 14 days prior to your trip departure, as a result of Covid-19 (Cover is subject to your policy being active at the time of the event and proof of a positive Covid-19 test.)

Admiral Price Comparison

According to our data research in February 2018, prices of Admiral Travel Insurance were noticeably lower than the average cost of travel insurance in the UK. In fact, even Admiral's top-tier Platinum policies come in below average, as you can see in the following chart of Annual, Multi-trip plans by geography.

According to data we gathered, prices of Annual, Multi-trip policies from comparison sites were around £5 to £10 cheaper than policies bought direct from Admiral, depending on geography and type of plan, representing a savings of approximately 20%.

Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for general educational purposes only; your quotes may reflect a large degree of variation.

We also gathered quotes for Admiral plans for a family of four from the Admiral website—they'll pay on average 2X the cost of an individual policy (basically, kids go free). Below you can see how prices change across geographical locations like Europe and America and policy types for a family of four. Plans bought from a comparison site would be expected to cost less.

How much more expensive is travel insurance for a family of 4?

Cost of Add-On Extras

Winter Sports, Cruise, Gadget and Golf cover may be added for an extra cost to some of Admiral's travel insurance policies. We've gathered quotes across geographies and types of policies for a 30-year-old individual to give you an idea of the cost of travel insurance add-ons —these prices reflect policies bought directly from the Admiral website.

Buying Direct vs Using a Comparison Site

Generally speaking, you'll pay less for an Admiral travel insurance policy if you purchase it through a comparison engine ( try ours here ). Of course, there is a trade off. Policies—which are otherwise nearly identical—differ on a few points. First, the excess is higher on the comparison site policies. Second, the upper age limit is lower on policies via a comparison site.

Differences between Direct and Comparison Site Policies

You'll notice that the upper age limit for Winter Sports is the same regardless of where you buy (65 years), as is the maximum trip length on Annual, Multi-trip policies (31 days).

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Buying Admiral Direct from the Admiral Website

Those in their 70s or older may find more success buying direct, due to the higher upper age limits discussed above.

For an extra cost you can add golf cover to plans bought direct, if needed.

Here is a brief recap of some features available on Admiral travel insurance policies. Standard features like Medical and Personal Liability are also included on Admiral policies, limits for which can be found below in the Policy Limits section . For more complete details including inner limits and exclusions, please refer to the policy documents .

Types of Admiral Travel Insurance Policies

Admiral offers three tiers of travel insurance—Admiral, Admiral Gold and Admiral Platinum. All are available for Single Trips or as Annual, Multi-Trip policies. Admiral Single Trip travel insurance covers trips up to 365 days abroad. Admiral Annual Multi-Trip policies cover any number of trips a policy year, up to 31 days each. You may be able to extend the maximum trip duration for an extra charge, subject to the underwriter's approval. The following limits and plan details are consistent across policies purchased from the Admiral website and a comparison site.

Admiral Travel Insurance

The "Admiral" plan is their entry-level travel insurance offering. Emergency Medical expenses are covered up to £10 million and you get up to £1,000 of cover per insured person for Travel Delays, Trip Cancellation/Curtailment and Personal Belongings.

You can add Winter Sports or Cruise cover to Admiral's cheapest plans, but Golf and Gadget cover are not offered as add ons.

Admiral Gold Travel Insurance

As Admirals's mid-tier offering, Gold policies include higher limits and the addition of Catastrophe cover (e.g., volcanic ash, earthquake, storm, flood, tsunami, etc.). Cruise, Winter Sports, Golf and Gadget cover may be added for a cost.

Admiral Platinum Travel Insurance

Admiral Platinum is the top-tier travel insurance plan with the highest cover limits per person. If the Platinum premium fits in your budget, you'll get the highest coverage levels with this plan. In addition to features of the Gold plans, Cruise cover is included as standard on Platinum policies.

Cover Limits (Single & Annual Multi-Trip)

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Admiral Travel Insurance Compare to Competitors?

To better understand the value of Admiral travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Admiral Travel Insurance vs Direct Line Travel Insurance

Direct Line travel insurance plans include cover for End Supplier Failure and Natural Disasters, plus cover for the replacement cost of used points or miles in case of Cancellation/Curtailment for a trip bought with air miles or another rewards structure. While prices are a bit higher than average, according to our analysis, you are getting these extra cover features. One surprising extra is Baggage—you'll need to pay extra to cover your personal belongings as they're not included as standard.

Bottom Line: If you really want cover for End Supplier Failure or Natural Disasters, or if you book trips with miles, then Direct Line might provide more comprehensive travel insurance for you.

Admiral Travel Insurance vs AXA Travel Insurance

AXA travel insurance offers good value for money, with all plans including Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe. Those who ski or snowboard will get longer Winter Sports cover with AXA (over 30 days, depending on the plan).

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, or you spend more than 17 on Winter Sports trips per year, then AXA might be a more comprehensive travel insurance option for you.

Admiral Travel Insurance vs Sainsbury's Travel Insurance

Sainsbury's travel insurance offers solid travel cover at decent prices, especially when purchased through a comparison site. All plans include Baggage, Cancellation and Emergency Medical, but you also get Scheduled Airline Failure, Delayed Departure and Trip Abandonment. Extended Gadget cover can be added to all plans, to cover mobile phones, iPads, etc. Trip lengths are longer than average (notably up to 92 days on top-tier plans bought direct).

Bottom Line: Those needing cover for longer trips might find more suitable travel insurance from Sainsbury's Bank.

Other Useful Information: Policy Wording and Claims

Admiral's 24-hour Emergency Assistance Helpline can be reached on +44 (0)292 010 7777. Use this number if you have a medical emergency while you're abroad or you're injured, become ill or have to cut your trip short. If you need medical treatment, you're supposed to call this number before you seek medical treatment.

For other non-emergency claims on Admiral travel insurance, call their claims team on 0333 234 9914 between 8am and 8pm Monday to Friday, or between 9am and 4pm Saturday (closed Sundays and Bank Holidays).

• Admiral Travel Insurance Key Facts, Direct
• Admiral Travel Insurance Policy Book, Direct

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Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Admiral Travel Insurance Review

Everything you need to know before you buy travel insurance from Admiral!

The experts say:

Admiral's Platinum travel insurance package offers plenty of protection for holidaymakers and frequent flyers. With a Which? ranking of 65 out of all 71 providers, you can be sure that you're getting a good deal. The policy score by Which? is also quite high at 59%, so you know that you're getting quality coverage. When it comes to Covid Cover, the rating is low, but it does offer medical expenses cover up to £2,000,000 and baggage cover up to £2,500. Cancellation cover is also generous at £5,000 and the excess payble on medical claims is only £75. To top it off, Admiral has been given a Fairer Finance rating of 4 stars - making this a great choice for your next trip!

What Admiral customers are saying right now:

• ✅Easy online booking  🤩Great prices 😉10% discount with multi-car insurance 💰Compensation offered for raised complaints 🎉 Quick response time for insurance quotes
• 🤬 Terrible customer service with no response to queries and complaints
• 😡 Long wait times on hold when trying to contact them
• 💔 Unfair offers on insurance claims, such as offering £2800 under the value of a car

Admiral customer reviews summary

Admiral's travel insurance has been receiving mixed reviews from customers, with some praising the affordability of their policies and others citing long wait times and unhelpful customer service. It appears that when it comes to making a claim, Admiral may not be the most reliable option. Customers have reported being put on hold for hours, receiving inadequate compensation, and having additional costs added to their claims. Overall, Admiral travel insurance may not be the best choice for those looking for a hassle-free experience. Rating: 4/10

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Reviewed: 100+ UK travel insurance providers

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Reviews 4.5.

93,526 total

Most recent

Patient and courteous expereince

He was very patient and able to go through various different possibilities. Also explained things clearly.

Date of experience : July 10, 2023

Reply from Admiral Insurance

Hello there! Thank you for insuring with Admiral 🎉 We are so happy to read about the fantastic service you received from our Sales team. We take on board all our feedback, so will be sure to pass on your review. Thanks, Jayne

A great process all round,online…

A great process all round,online application very straightforward,will use again and pass onto the family.

Easy to set up

Took out my insurance through Comparethemarket. Straightforward and hassle free!😁

Canceled today.

Canceled today.. I've had admiral gold on my car, and I recently passed my driving exam. My premium went from around £2,000 on my provisional license, to just over £4,000 with my Full Manual License. (and I was hoping that it would lower a little) I've found another insurer for my full license, around £1900, and yea. Their support team seamed understanding, and helped me cancel my insurance. (Thanks if you are reading this)

Date of experience : July 12, 2023

Hello Leordean Thanks for taking the time to leave a review. Firstly, congratulations from everyone here on passing your test! It's extremely unfortunate that this has increased your premium significantly, and you've needed to take insurance elsewhere for the time being, but thank you so much for the time you were insured with ourselves. We sincerely hope we can offer you a more competitive quote in the future! Thanks Jayne

Simple, quicker and easy quote

Great price and very informative

N applicable.

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Home Insurance cover

Easy to complete, relevant questions and good price for the cover I required.

Date of experience : July 09, 2023

Super easy and quick

Super easy and quick! Thank you 😊

Don't bother

Don't bother Absolutely terrible insurance company. Referred to Auxillis who took 9 MONTHS to tell us that they couldn't claim on third party insurance. Called Admiral only to be put through to 3 different departments and then told that I could get a call back because they were busy. Eventually persuaded the person I wanted to speak to them. Now am waiting for ADMIRAL CLAIMS to call back. When I claimed it took me THREE HOURS and was cut off six times before someone picked up the phone. May be cheap but not worth the hassle

Good morning, Thank you for taking the time to leave feedback, we apologise for the experience that you’ve had when making a claim. If you need further assistance please contact us with your full name and policy number to the email below and we will get a member of the Claims team to contact you. Thanks Sam [email protected]

Very easy website to navigate and use

Very easy website to navigate and simple procedures carried out quickly and efficiently to add house insurance to existing motor policy

Date of experience : June 11, 2023

Quick and easy

Quick and easy. Good price and conditions.

I had reason to call the support number…

I had reason to call the support number and the person who helped me was knowledgeable, patient and very helpful.

Date of experience : July 08, 2023

Hello Eilidh Thank you for insuring with Admiral 🎉 We are delighted that you had a great experience with the agent you spoke to. We take on board all our feedback, so will be sure to pass on your review. Thanks, Jayne

Home insurance replacement

DID WHAT i NEEDED for home insurance

Date of experience : July 06, 2023

Great service

Great service, well done. Easy fast process.

Easy process

Easy to renew and very clear analysis of what's covered and what's not.

Date of experience : July 02, 2023

An easy to complete home insurance form

Very comprehensive with specific item insurance.

Although small amount of contents insurance cover requirement, the package platinum deal with "Specific Laptop Insurance Cover was a big plus" for the price.

First time buyer was very simple to do

Quite happy to insure with you.as you….

Quite happy to insure with you.As you are a lot cheaper ,and give good value.

Date of experience : June 30, 2023

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Reviews 4.5.

93,526 total

Most relevant

Procedure in effecting new policy

I obtained a quotation on line. When I tried to effect the insurance there was a query and after trying to deal with this via "chat" on line I had to phone New Business. This I did and the phone was answered promptly but setting up the policy did take the best part of an hour.

Date of experience : 21 August 2024

Great Prices

Very helpful customer agent who was able to answer all my questions. The cost was very competitive and in fact was £1100 cheaper than my previous insurers renewal price

Date of experience : 22 August 2024

Poor website

I was previously a customer with More than and Admiral had taken over their business. I agreed to their terms and endeavoured to register and pay. Unsuccessfully. After several on line attempts I contacted customer services who proceeded to explain that despite being prompted to register on line this was not possible. Either use technology as an aid or don't bother. Endless time wasted.

Date of experience : 16 August 2024

Reply from Admiral Insurance

Hi Kate, thank you for taking the time to leave us a review. We understand your frustration with the registration process. We value your time and apologise for the inconvenience you experienced. I can see you have now successfully registered for your online account. We appreciate your feedback and will use it to improve our services. We value your business, and hope to keep you a satisfied customer for years to come. Thank you, Stacey.

Do not use Admiral

There is the reason Admiral have more complaints made against them than any other insurer. Do not let Admiral contractors do any work in your home. They cause further damage to your property and have completely bodged the reinstatement of my kitchen. The work is so poor I cannot shut the fridge door. Been dragging on for over 18 months.

Date of experience : 23 August 2024

Hello Laura, I am so sorry to hear of your experience and the delays with Admiral when making a claim on your home insurance. I understand that this can be a difficult and stressful situation and I would like to apologise for the trouble and upset caused. Thank you for taking the time to leave feedback. I have passed your review to the home insurance claims team. They are in the process of reviewing this and will be in touch to discuss the issues raised. Thanks Sam.

Great price for great coverage.There…

Great price for great coverage.There are cheaper options out there ,but none with the coverage and included options that a time served company like Admiral offer.

Brie was brilliant

Brie was brilliant, talked us through every detail and her advice was top drawer, could not fault her. A great asset to your company.

Windscreen replacement is a joke

Windscreen replacement is a joke. Tied to autoglass through Admiral; car is not drivable due to a shattered windscreen, earliest replacement at home - 9 day wait. Or go to the nearest Autowindscreen - 45 mins away. When I said I can’t drive the car legally I was told to get it towed. Several companies locally within minutes of my house that I can’t use! Useless service if you work or require a car to live day to day! Complained and had no help, just stuck with a substandard solution!

Date of experience : 17 August 2024

I applied online for home insurancece

I applied online for home insurance. When it came to the payment part I imputed my card details. It then asked me to call by telephone which I did. The advisor then preceeded to ask me questions I had already answered online. I believe this was a ploy to add additional extras on my home insurance. The advisor asked me for my credit card details which I did. Checking my online banking today you have taken my one off home ins payment twice. I believe if I didnt have online banking I wouldnt of been aware of this. I am very disappointed.

Great Insurance deal with Admiral

Easy to use website with little in the way of ambiguity. Given a good quote on the insurance I wanted and a very good after-sales service.

Website easy to access to set up my…

Website easy to access to set up my insurance . Smooth, quick and easily able to check my options and make oayment

A very patient advisor who has enabled…

A very patient advisor who has enabled us to be insured as a family and for my daughter to start to build a no claims bonus . Thank you so much

My insurance was done on line

My insurance was done on line, very easy and straight forward. I had a better insurance offer than my previous insurer. Very happy

Put my personalised plate on my car

Put my personalised plate on my car, changed the reg on website myself and was charged for the privilege. They use the pretence it’s requoted, no other company does it, it’s clearly sharp practice rip off opportunists, avoid.

It’s easy for the younger generation to…

It’s easy for the younger generation to do online but if my daughter hadn’t done it with me I’d not have been able to carry it out.

I took out insurance on a new car online. To get he documents I had to register my account but could not get the password accepted. I called customer services and persuaded them to send the documents attached to an email. On viewing the documents I saw that your online program had chosen the wrong model. A further call produced the correct model but not the increased premium on the documents sent by email . I am still unable to register my account. No more online insurance for me!

Hi Margaret, thank you for choosing Admiral. We understand your frustration with the issues you encountered while trying to obtain your insurance documents. We strive to provide a seamless online experience and apologise that you faced difficulties with the registration process and the incorrect model selection. Your account has now been registered, please follow the link we have sent you to set up your password to log in. Please do not use any of these symbols when creating a password. / \ : ; > = ? [ ] ( ) ' & % < Thank you, Stacey.

Initial quote great but then…..

Initial quote great. Went to pay when we got our vehicle and wanted to start the insurance and this customer service rep went through everything again. Our quote was good for 2 weeks and yet he insisted we go through it all. Then was extremely pushy about adding other vehicles and house insurance. We had previously done this and it was more expensive so declined. He was aggressively persistent to the point we nearly told them to stick the policy. So 2 stars because Harry we first spoke to was great but it was ridiculous spending half an hour just trying to then pay a few days later.

Hi Debbie, thank you for choosing Admiral. We appreciate you taking the time to share your experience. We understand your disappointment with the lengthy process and the upselling of multiproduct. It's important to us that our customers feel comfortable during every interaction, it would not be our intentions to leave you feeling this way. We appreciate you sharing your experience, we are always looking at ways to improve and take all feedback on board. Thank you, Stacey.

They were quick to respond

They were quick to respond. I had my policy number within minutes with a hard copy to follow in 5 days but of course that will depend on the post

The chat bit of this site is useless absolutely useless.

The site wouldn’t let you go to the payment to pay, it would then try and say come back later of send you to a chat line that’s useless absolutely pathetic if I am honest. I did this and spent 45 mins only to be disconnected and have to start again. Extremely frustrating and poor service. No explanation why this happened 2 days at this trying to sort this out horrendous. In the end I had to phone them, this took another 45 mins to get this sorted.

Hi Martin, thank you for choosing Admiral. We understand your frustration with the recent payment issues you experienced on our website, we apologise for any inconvenience caused. We strive to provide a seamless and efficient online experience for our customers, we regret that this fell short of your expectations. We appreciate you taking the time to share your feedback, we are always looking for ways to improve our services. We hope that you will give us another chance to serve you in the future and provide you with the personalised and engaging experience you deserve. Thank you, Stacey.

Easy to access on line

Easy to access on line. Prompt,efficient service.Not the cheapest but sound reputation worth the extra

Failed to send car insurance renewal....twice

I have been a customer of Admiral for two years, having returned to them. I noticed that my renewal for 2 cars had not arrived so four days beforehand, I contacted them. I spent an hour on the phone with an utterly useless and incompetent agent (Chinglam Chiin) who assured me I would receive my renewal within 2 days. It never arrived! I registered a complaint and received a stock e-mail 2 days later advising me it will take them 4 weeks to reply! It would have been better to read the complaint and send me the renewal documents, but clearly this doesn't fit with their (hopeless) process! Frankly, I couldn't be bothered to waste at least another hour of my life contacting them, especially as I had moved house a day before renewal which would surely have totally confused them, so I insured elsewhere. I never received the renewal terms.

Date of experience : 19 August 2024

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Imagine this, you’ve been saving up for months to take that dream vacation. You’ve got everything covered, from flights to accommodations, and you can’t wait to finally escape life for a little while. But what if your flight gets delayed or, worse, cancelled? What if you get sick or injured, or your luggage gets lost or stolen?

While we don’t like to think about the possibility of something going wrong, the truth is that travelling to a foreign land can be unpredictable. That’s where Admiral Travel Insurance comes in. With a variety of comprehensive coverage options, Admiral Travel Insurance can provide you with the financial security you might require while vacationing.

Join us in this blog as we take a closer look at Admiral Travel Insurance and how you can benefit from it.

What is Admiral Travel Insurance?

Admiral Travel Insurance is a UK-based insurance provider that offers travel insurance for both domestic and international trips. With 30 years in the business, the company provides affordable and reliable travel insurance coverage to customers. Admiral Travel Insurance is underwritten by Great Lakes Insurance SE, and it is regulated by the Financial Conduct Authority (FCA). The company is committed to providing affordable travel insurance coverage that meets the diverse needs of travellers.

Types of Covers Offered by Admiral Travel Insurance

Admiral Travel Insurance offers a range of travel insurance covers to suit the different needs and budgets of their customers. 

Single Trip Travel Insurance

This cover is ideal for travellers taking a one-off trip. It provides comprehensive protection for unexpected events, including medical emergencies, trip cancellations, and lost or stolen baggage.

Annual Multi-Trip Travel Insurance

This cover is suitable for travellers who take multiple trips throughout the year. It provides the same comprehensive protection as the single trip cover, but for multiple trips, potentially saving you money on premiums.

Backpacker Travel Insurance

Folks who travel for an extended period, typically for more than three months, will hugely benefit from this cover. This plan provides coverage for medical emergencies, personal liability, and other unexpected events that can occur while backpacking.

Cruise Travel Insurance

This cover is ideal for travellers going on a cruise holiday. It provides coverage for medical emergencies, trip cancellations, and other events specific to cruise travel, such as missed port departures and cabin confinement.

Winter Sports Travel Insurance

This cover is designed for travellers who plan to go skiing or snowboarding. It provides coverage for medical emergencies, equipment loss or damage, and other unexpected events that can occur while engaging in winter sports.

Business Travel Insurance

This cover is suitable for business travellers who require protection against unexpected events that can occur while travelling for work, such as trip cancellations, lost or stolen baggage, and personal liability.

Read More: Travel Insurance with COVID Cover

Benefits of buying the Admiral Travel Insurance 

There are several benefits to purchasing Admiral Travel Insurance for your next trip:

Flexible policy options & comprehensive coverage

The company offers a range of policy options and comprehensive coverage to suit different types of travellers, from single-trip cover to annual multi-trip cover, backpacker cover, cruise cover, winter sports cover, and more. This flexibility allows you to choose a policy that meets your needs and budget.

24/7 emergency assistance

24/7 emergency assistance is provided to policyholders who need help while travelling. This assistance includes access to medical assistance, travel advice, and more. Their team of experienced and friendly staff are available to answer any questions you may have about your policy or the claims process.

Easy claims process

Admiral Travel Insurance has a simple and straightforward claims process: online or over the phone. This makes it easy to file a claim if you experience an unexpected event while travelling. 

Optional covers

The company offers a range of optional covers that can be added to any policy, such as hazardous activity cover, gadget cover, and cruise plus cover. These covers provide additional protection for specific events or activities, giving you added peace of mind while travelling.

Also, Read: Tesco Travel Insurance

Admiral Travel Insurance Reviews 

Admiral Travel Insurance has received mixed reviews from customers. Most customers have praised the company for its comprehensive coverage, affordable premiums, and excellent customer service.

However, some customers report difficulties in getting claims approved or receiving payment, while others have found that certain events may not be covered by their policy. Additionally, some even have reported confusion over policy exclusions due to unclear explanations. Overall, while Admiral Travel Insurance has its strengths, it’s important for potential customers to do their research and understand the details of their policy to ensure it meets their needs.

Admiral Travel Insurance Login 

Admiral Travel Insurance offers an easy-to-use online portal where customers can log in to manage their policies, view policy documents, and make payments. Here’s how you can create an account on the Admiral website:

• In the top right corner, click on the “My Account” tab and then the “Register” button, followed by filling out the required information.
• You will receive an email from Admiral confirming your registration. Through the link provided, activate your account. 
• Once done, go back to the “My Account” tab on the Admiral website and enter your email address and password in the login form. 

That’s it! You will now be able to access your policy details and manage your account online. In case you want to know how to cancel Admiral Travel Insurance, contact Admiral customer service for assistance.

Admiral Travel Insurance is a reliable and affordable travel insurance provider. If you’re planning a trip and want the peace of mind that comes with knowing that you’re covered for unexpected events, consider purchasing travel insurance from Admiral Travel Insurance. With their wide range of coverage options and excellent customer service, you can travel with confidence, knowing that you’re protected no matter what happens. For more updates on travel insurance, visit Tripcolumn . 

What is the maximum trip length covered by Admiral Travel Insurance?

Admiral Travel Insurance provides coverage for trips up to 365 days in duration. This means that you can take extended trips without having to worry about your coverage expiration.

How do I cancel my Admiral Travel Insurance policy?

To cancel your Admiral travel insurance policy, follow the steps below: 

• Call the Admiral customer service number.
• Explain why you want to cancel your policy and share relevant details like your policy number and personal information.
• Answer any questions that the support team has and get your cancellation confirmation along with any refunds to be received.

What happens if I need medical assistance while travelling?

If you require medical assistance while travelling, you should contact the emergency assistance team provided by Admiral Travel Insurance. They are available 24/7 and can help you find medical assistance, provide advice on your situation, and arrange for any necessary medical transportation or repatriation. Do carry your policy documents with you at all times, as they will contain important contact information and details about your coverage.

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Admiral Travel Insurance

Can admiral provide you with the right level of cover for your next trip.

In this guide

Who is Admiral?

What are my policy options, what is covered under my policy, what is my excess, what is the claims process.

Update: Admiral has announced that it has suspended selling travel insurance in the midst of the coronavirus pandemic. Try our travel insurance comparison page to find another insurer.

If you’re looking for peace of mind on your next getaway, travel insurance is the way to go. Is the insurance giant Admiral the right travel insurance provider for your next trip?

Admiral offer cover for a range of trips, so continue reading to find out more about Admiral and their policy options.

Admiral is a UK based insurance giant that was founded in 1993. It is a trading name of EUI Limited, and a subsidiary of the Admiral Group.

Who underwrites Admiral's policies?

Admiral offer cover for a range of holidays, as well as some optional extras you can add on to your policy. As well as this, Admiral Travel Insurance now covers you for certain events related to Coronavirus. Below we have given a brief summary of the policy options available with Admiral.

• Single trip
• Optional extras

Features of the policy include:

• Cover for up to 365 days
• 24 hour emergency assistance helpline
• Cancellation cover
• Cover for personal belongings
• Unlimited travel for trips up to 31 days
• Medical emergency cover
• Personal liability
• Legal protection
• Worldwide cover
• Winter sports
• Cruise travel insurance
• Gadget insurance

With Admiral’s travel insurance, you get three levels of cover: Admiral, Admiral Gold and Admiral Platinum. Below we have listed what’s covered under each policy.

As you would expect, the policy payout amount will increase as you move from Admiral to Platinum cover.

An excess is the amount of money you contribute to each claim you make before Admiral will pay out.

The amount of your excess you have to pay will depend on which policy level you have and the nature of your claim. Make sure to check your policy schedule where your excess details will be shown in detail.

To make a claim with Admiral, you will have to call their claims team.

If you have a medical emergency, call the 24 hour emergency assistance helpline on: +44(0)292 010 7777.

For all other claims, call: 0333 234 9914. The lines are open 8am to 8pm Monday to Friday, and 8am to 4pm on Saturdays.

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 .

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use . When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Chris Lilly

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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• What is travel insurance?
• Average cost
• When to buy travel insurance
• Average cost by age
• What does travel insurance cover?

Travel Insurance Cost: Average Travel Insurance Prices in 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

• The average travel insurance premium this week is $297.42, down about 0.38% compared to last week.
• For travel in the United States, the average premium is $175 to $350.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth travel insurance .

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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The 5 Best Annual Travel Insurance Plans (2024)

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

The 5 Best Annual Travel Insurance Plans

Based on our team’s extensive research on annual, multi-trip travel insurance plans, we’ve named the following as our top picks. 

• Seven Corners: Trip Protection Annual Multi-Trip
• Trawick International : Safe Travels Annual Basic
• International Medical Group (IMG): Patriot Multi-Trip Travel Medical
• Allianz Travel Insurance: AllTrips Premier
• AIG Travel Guard: Annual Plan

Seven Corners Travel Insurance

Why We Picked Seven Corners

Seven Corners provides annual coverage through its Trip Protection Annual Multi-Trip plan. The plan includes COVID-19 protection, trip cancellation insurance and pre-existing condition coverage as standard, and allows for unlimited trips lasting 40 days or less throughout your policy term. You can also customize your annual trip cancellation limit, with up to $10,000 in total benefits.

Pros and Cons

Trawick international.

Why We Picked Trawick

If you’re looking for basic coverage at a low cost, Trawick International offers its Safe Travels Annual Basic plan for a flat rate of $155 per person. Coverage extends up to 30 days for each trip taken more than 100 miles from home during your coverage period and can apply to both U.S.-based and international trips. While Trawick features lower coverage limits than other providers on our list, it offers 100% trip cancellation coverage at no additional cost.

International Medical Group

Why We Picked IMG

International Medical Group (IMG) provides the highest medical coverage maximum of all the providers on our list through its Patriot Multi-Trip Travel Medical plan. The policy offers protection of up to $1 million after paying a $250 deductible for medical benefits, dental, emergency medical evacuation and more. IMG also provides medical and emergency medical evacuation coverage if you have a sudden and unexpected recurrence of a pre-existing condition. Note that you can upgrade your plan to allow for 45 days of coverage per trip versus 30 days.

Allianz Global Assistance

Why We Picked Allianz

The Allianz AllTrips Premier plan provides annual travel insurance coverage for your entire household through one plan — regardless of whether you travel separately or together. The plan includes trip cancellation and interruption benefits as standard coverage, but you can customize the coverage limits at an additional cost. The AllTrips Premier plan also provides rental car coverage, which most providers in this review lack.

AIG Travel Guard

Why We Picked AIG

AIG Travel Guard (AIG) offers one annual travel protection policy, called the Annual Plan. It provides non-flight accidental death and dismemberment coverage up to $50,000, which is not typically included in other yearly policy offerings based on our review. AIG also offers up to $100,000 specifically for security evacuations. Note that there is no age limit to purchasing a policy — the only requirements include holding U.S. residency and buying the policy no later than 24 hours before departure.

What Is Annual Travel Insurance?

Annual travel insurance — also known as multi-trip travel insurance — can protect multiple trips over a year. For frequent travelers planning several vacations in a year, an annual travel insurance plan can offer a more economical option than purchasing multiple single-trip policies . With annual travel insurance, you should only pay one premium for a year’s worth of coverage.

While each annual travel insurance plan varies by provider, you may find that per-trip or yearly coverage limits apply rather than item-specific limits. In addition, some coverages found with single-trip policies are not typically included in an annual travel insurance plan, such as trip cancellation insurance, baggage loss and rental car coverage. Providers may also not offer the option to add cancel for any reason (CFAR) coverage with an annual plan. Annual travel insurance usually focuses more on medical protection versus a broader range of coverages, based on our assessment.

Compare Annual Travel Insurance Plans

You can refer to the table below for a side-by-side comparison of our team’s picks for the best annual travel insurance policies.

* Our team gathered quotes from each provider’s website for the above-listed plans based on a 30-year-old sample traveler.

How To Choose an Annual Travel Insurance Plan

There are several steps you can take to help make the process of choosing an annual travel insurance plan easier while ensuring you pick the right plan for your needs as a traveler.

First, it is best practice to research providers before choosing an annual travel insurance plan. Not all travel insurance providers offer this type of policy, and for the ones that do, we recommend you consider industry and customer reputation when making a decision. Note the coverage limits, medical benefits and any additional add-ons each company offers. While the providers listed in this article are our top picks for annual coverage, every traveler’s needs and best-suited plan will vary.

If you have your travel itinerary for the year mapped out and know what you’re looking for in terms of coverage, consider an annual plan that aligns with your needs and concerns. For example, if you have a pre-existing medical condition , you may consider a provider that provides a pre-existing condition waiver and high medical coverage limits. If you’re more concerned about cancellation coverage, you may choose a plan that offers this type of protection, which not all companies include in their annual plans.

How Does Annual Travel Insurance Work?

Annual travel insurance works by covering a traveler during multiple trips over the course of a year. There’s usually no limit to the number of trips you can take during this time. However, companies do include limits on how long each trip can last under coverage. This limit varies by provider, but a standard threshold is a maximum of 90 days based on our review.

Some annual travel insurance benefits work on a per-trip or per-year basis. For example, a yearly plan may have a baggage loss limit that resets every trip, while it sets separate limits for trip interruption benefits for an entire year of travel. Plans are typically non-renewable, so once your coverage is up, you would have to buy a new plan to cover another year of travel.

After purchasing a plan, coverage begins on the effective date, which your provider should list within your policy documents. Coverage ends on your policy’s expiration date, which your provider should also detail within your policy. How long coverage extends per trip, and the associated coverage levels, will depend on your provider.

We recommend you read your policy carefully to ensure you fully understand the applicable limits of your annual travel insurance plan.

Benefits of Annual Travel Insurance

The benefits of an annual travel insurance plan include low costs compared to purchasing individual plans, convenience and consistent coverage across all of your trips. Learn more in the sections below.

Cost-Efficiency

Annual travel insurance plans are often more cost-efficient than several single-trip policies, according to our quote collection process. If you’re taking more than one or two trips within a year and looking for coverage on a budget, you may consider an annual travel insurance policy.

Convenience

Purchasing one travel insurance policy to cover a year’s worth of multiple trips is easier than buying several single-trip policies. You only need to worry about one set of terms, conditions, policy limits and more instead of juggling multiple plans.

Consistent Coverage

An annual travel insurance policy can ensure that coverage stays consistent throughout your travels. You can take trips of varying lengths to different destinations, but your coverage and benefits should remain the same within your term limits.

Drawbacks of Annual Travel Insurance

As with most types of insurance, there are both pros and cons to annual travel plans. These drawbacks include limited benefits and a variety of exclusions, which we’ll detail below.

Variety of Exclusions

Many providers do not include trip cancellation coverage if you purchase a basic annual policy. While some providers allow you to add these benefits to annual policies for an extra cost, coverage is not typically included as standard as with a single-trip policy.

Offers Lower Limits

Annual travel insurance limits are often lower than with a single-trip policy. If you’re looking to insure a costly trip or need a plan with high medical coverage limits, you may want to consider a single-trip plan instead.

Annual Travel Insurance vs. Single Trip Travel Insurance

You will likely notice differences and similarities when comparing annual travel insurance versus single-trip travel insurance policies. For one, both yearly and single-trip policies usually bundle travel medical, emergency medical evacuation, baggage loss, baggage delay and travel delay coverage within a standard policy . Single-trip policies, however, often include trip cancellation benefits, which many annual policies only offer as an add-on.

Both annual travel insurance and single-trip policies limit the length of trips covered. For yearly plans, limits can range from 30 to 90 days for a single trip, and you’ll need to head back to your home base in between trips. For a single-trip policy, plans often limit trip length to no longer than 180 days.

Cost Differences Between Annual and Single-Trip Travel Insurance

Annual multi-trip policies can be more cost-effective than single-trip coverage for frequent travelers, based on our review. Typically, single-trip policies may benefit travelers taking one or two trips in a year. Annual travel insurance is usually more suited for those who travel often, taking upwards of three trips or more within a year’s time.

There are times when a single-trip plan may better suit your needs compared to an annual policy. For example, if you are taking high-end, luxury trips with a high overall cost, you may benefit more from single-trip policies for each trip with high cancellation and interruption limits.

Who Needs Annual Travel Insurance?

Various types of travelers could benefit from an annual coverage plan. A multi-trip travel insurance plan is worth considering if you travel frequently for business or pleasure and do not need coverages such as trip cancellation insurance. Annual insurance may also suit travelers who like to take last-minute trips or longer vacations, as having an annual travel insurance plan in place can offer more convenience.

Annual plans are also worth considering for lower-cost trips where the primary concern is covering a potential medical emergency. As mentioned, annual plans do not usually offer trip cancellation coverage as a standard inclusion. However, they typically include medical expenses and emergency medical evacuation coverages — ideal for those looking to protect their health versus trip expenses during their travels.

If you’re taking expensive or high-value international trips throughout the year, you may prefer a single-trip policy for the trip cancellation benefits that come with each plan. Or, if you’ve booked a variety of non-refundable expenses, such as hotel or tour reservations, a single-trip plan with cancellation coverage may also better suit your needs.

What Does Annual Travel Insurance Cover?

Annual travel insurance policies offer a variety of coverages to offer financial protection if  unexpected events occur. From medical emergencies to travel inconveniences, yearly plans can provide comprehensive coverage for peace of mind.

Exclusions and Limitations of Annual Travel Policies

Annual travel insurance policies usually have the same exclusions as single-trip policies. Typically, pre-existing medical conditions are not covered. Still, some providers offer a waiver to extend coverage for medical bills or claims related to your recent medical history. Standard annual policies don’t cover adventure sports, but this coverage is often available as an add-on. Moreover, “foreseeable” events, such as natural disasters or named storms that began before you purchased your policy, are also excluded from annual travel coverage.

The coverage provided through an annual travel insurance policy also has limitations. For example, travel medical expenses and emergency medical evacuations have capped monetary limits. If the medical bills incurred during your travels cost more than the coverage you’ve purchased through your policy, you will have to cover the excess out-of-pocket. In addition, trip interruption benefits will cover a percentage of your non-refundable travel expenses, with the amount depending on your plan and provider.

According to Angela Borden, Product Marketing Specialist at Seven Corners, “One of the most common reasons for a denied claim is because a traveler misunderstood the details of their plan. If you have any questions about what’s covered, contact your provider. They’ll be able to address any concerns so that you can travel more confidently.”

We recommend you read through your annual travel policy documents thoroughly to understand the exclusions and limitations associated with your coverage. 

How To Buy Annual Travel Insurance

Purchasing an annual travel insurance policy is usually a straightforward process, as most providers allow you to get a quote and buy a policy entirely online. However, there are some specifics to pay attention to when purchasing a policy. 

Coverage Start and End Dates Vary

It is best practice to pay attention to when your coverage starts and ends with your chosen policy. Most providers specify the start date as when you begin your travels. Plans will likely end a year after your start date or when your benefits are exhausted, whichever comes first. Coverage for each trip cannot exceed the specified maximum length outlined in your policy, so take note of the stipulations around coverage start and end dates.

Understand the Claims Process

It can help to understand how to file a claim with your provider before an emergency occurs during your travels. Many companies allow you to file a claim online, but you can often speak with a claims representative during specified hours if you’d prefer to talk to someone over the phone. You’ll likely have to provide documentation for your claims, so we recommend you keep all receipts and other necessary documents during your travels.

Look for Add-On Options

Some annual travel insurance providers offer optional add-on coverages for an additional cost. You may find that you can customize your coverage limits as well. For example, Allianz and Seven Corners allow you to choose your trip cancellation coverage limits, but increasing the amount can result in an additional cost. Other companies, such as IMG, provide adventure sports riders for those looking to participate in activities such as paragliding, skydiving, windsurfing and more.

Is Annual Travel Insurance Worth It?

Annual travel insurance plans can be worth it for certain travelers . If you travel frequently for business or pleasure and prefer consistent, cost-effective insurance protection, an annual multi-trip policy may be the right choice for you over a single-trip policy. However, examining your unique coverage needs can help you better gauge whether you need a yearly policy.

“When you’ve made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it. Travel insurance can reimburse you for prepaid, nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason. This means you get money back in your pocket if the unexpected happens. Travel insurance can also reimburse you if your belongings are lost, stolen, or damaged and you need to replace them during your trip.” Angela Borden, Product Marketing Specialist at Seven Corners

We encourage you to gather multiple annual travel insurance quotes from various providers, comparing the costs and coverage limits on each policy. This can help you choose the coverage that best fits your needs.

Frequently Asked Questions About Annual Travel Insurance

What is the difference between annual multi-trip and long-stay trip insurance.

Annual multi-trip travel insurance covers multiple short-term trips — usually lasting 90 days or less — over the course of a year. Comparatively, long-stay trip insurance protects extended trips to one location and can be ideal for those working or studying abroad , taking a gap year and more.

Is an annual travel insurance plan worth it?

Annual travel insurance plans can be worth it for people who travel frequently and want affordable, consistent protection throughout the year. It may not be worth it for travelers looking for protections such as CFAR coverage or general trip cancellation benefits.

How much does annual trip insurance cost?

The average cost of annual trip insurance can range from $155 to $485 , based on quotes we gathered for multiple companies. The cost of an annual trip insurance policy will depend on factors such as your chosen plan, provider, coverage limits, add-on coverages and more. The best way to learn how much an annual multi-trip plan will cost you is to obtain free quotes from multiple providers.

Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

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S&P 500 (SPX) today: The benchmark index rose 0.22% this morning

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Published 11:23 a.m. UTC Aug. 21, 2024

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S&P 500 today

The S&P 500 opened today at 5,603.09. Within 30 minutes of trading, the benchmark index rose by 12.43 points, or 0.22%, to 5,615.52.

Year to date, the benchmark index is up, with a return of 18.08%.

S&P 500 chart

S&p 500 performance 2024, s&p 500 (spx) index.

The S&P 500 (SPX), or Standard & Poor's 500, is a notable stock market index that measures the performance of 500 large companies listed on U.S. stock exchanges. The index was introduced in 1957 and is now one of the most widely followed equity indexes. It is often considered a benchmark for U.S. market performance.

The S&P 500 is a market-capitalization-weighted index, meaning that larger companies account for a bigger portion of the index. It tracks around 80% of total U.S. market capitalization.

The index is updated in real time during market hours, reflecting price changes in its constituent companies as they happen. The well-known index isn’t only a tool for investors and analysts. It also serves as a benchmark for multiple investment products, including mutual funds , exchange-traded funds, options and futures.

"The S&P 500 has become the most widely used benchmark over the past 50 years due to its ability to serve as the best indicator for U.S. markets," said Derek Horstmeyer, finance professor at George Mason University School of Business. "It has surpassed the Dow Jones Industrial Average in popularity due to its more cohesive and extensive construction."

What companies are in the S&P 500?

Companies in the S&P 500 hail from all 11 Global Industry Classification Standard sectors, making it a comprehensive representation of the U.S. economy.

Here are the top 10 stocks in the S&P 500 index weighted by market capitalization.

S&P 500 selection criteria

The selection criteria for the S&P 500 index provides a comprehensive overview of the U.S. stock market.

• All constituent companies must be U.S.-based. Stocks listed on eligible U.S. exchanges, as well as real estate investment trusts, can make the cut. However, closed-end funds, ETFs, American depositary receipts and other specific types of securities are ineligible for inclusion.
• A company must have an unadjusted market capitalization of at least $14.5 billion, and its float-adjusted market cap, meaning the portion of shares available for public trading, must meet at least 50% of this threshold.
• Financial viability is another essential criterion; companies must exhibit positive earnings for the most recent quarter as well as the sum of the past four quarters.
• Liquidity is also a key factor; the ratio of the annual dollar value traded to float-adjusted market capitalization must be at least 0.75, meaning a substantial portion of the company's publicly available shares are actively traded on the market. This ratio ensures liquidity and that the stock can be easily bought or sold without causing a significant impact on its price.
• The stock needs to have an investable weight factor of at least 0.10.
• Lastly, the stock must have traded at least 250,000 shares in the six months leading up to the evaluation date, confirming its liquidity and accessibility to investors.

The index is rebalanced quarterly — in March, June, September and December — to ensure it continues to reflect the U.S. equity market accurately.

S&P 500 index history

The history of the S&P 500 index dates back to 1957 when it was introduced by the financial services company Standard & Poor's. But backtested data for the index now goes back as far as Jan. 3, 1928.

The S&P 500 has been modified and expanded over the years. But its core function remains the same. The index provides investors and analysts with a comprehensive overview of the overall U.S. equity market.

The index has weathered various economic cycles, market crashes and bear markets. During the dot-com bubble, the index fell by 10.14%, 13.04% and 23.37% in 2000, 2001 and 2002, respectively. During the Great Recession, the index plunged by 39.23% in 2008.

Despite these drawdowns, the S&P 500's robust historical performance is often used as a benchmark against which other investments are measured.

The S&P 500's constituent companies have also changed to reflect the shifting landscape of the U.S. economy, from a manufacturing-heavy list in the earlier years to a more diversified group today that includes technology, health care and financials as its largest sectors.

Some of the world's largest and most successful companies, such as Apple (AAPL), Microsoft (MSFT), Alphabet (GOOG) and Amazon (AMZN), lead the index, making it a key reference point for investors globally.

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S&P 500 index return history

The following section provides the S&P 500's historical annual total returns over the past decade.

Total returns include not only price appreciation but also reinvested dividends . In contrast, price returns account for only the change in the index's price, excluding dividends.

Focusing on total returns provides a more comprehensive picture of the S&P 500's historical performance in terms of compound growth.

Investing in the S&P 500

Investing in the S&P 500 is a straightforward process thanks to various financial products that track its performance. Different asset managers offer index-linked products that mirror the S&P 500, making it easy for investors to gain exposure to this benchmark index.

S&P 500 index funds

One popular option is investing in mutual funds that aim to replicate the index's performance. These funds pool money from multiple investors to buy the stocks in the S&P 500, essentially mimicking the index's composition and weightings. A popular example is the Vanguard 500 Index Fund Admiral Shares (VFIAX).

S&P 500 ETFs

ETFs are another commonly used instrument for investing in the S&P 500.

S&P 500 ETFs are similar to mutual funds but are traded on stock exchanges throughout the day like individual stocks. While these investment vehicles also track the S&P 500, they usually have lower fees than mutual funds. That makes them a cost-effective way to invest in the index. A popular example is the SPDR S&P 500 ETF Trust (SPY).

For those interested in derivatives, options and futures contracts on the S&P 500 are also available. Options give investors the right, but not the obligation, to buy or sell the index at a predetermined price before a specific expiration date. Futures obligate the investor to buy or sell the index at a predetermined price at a specified time in the future.

Options and futures can be used for hedging risks or speculation but come with additional risks and complexity.

Whether you’re looking for long-term exposure to the U.S. stock market or short-term trading strategies, there are multiple ways to invest in the S&P 500. Each investment vehicle has its own set of characteristics, fees and risk exposures.

S&P 500 futures

S&P 500 futures are among the most traded futures on the U.S. markets. This type of future is a derivative contract that provides an investor with a price based on an expected future value of the index.

These futures were first introduced by the Chicago Mercantile Exchange in 1982. All S&P futures are products of the CME and trade electronically.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tony Dong is a freelance financial writer with bylines in U.S. News and World Report, the NYSE, the Nasdaq, The Motley Fool and Benzinga. He lives in Vancouver, Canada and is an avid watch collector.

Farran Powell is the lead editor of investing at USA TODAY Blueprint. She was previously the assistant managing editor of investing at U.S. News and World Report. Her work has appeared in numerous publications including TheStreet, Mansion Global, CNN, CNN Money, DNAInfo, Yahoo! Finance, MSN Money and the New York Daily News. She holds a BSc from the London School of Economics and an MA from the University of Texas at Austin. You can follow her on Twitter at @farranpowell.

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Admiral Insurance   Reviews

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ADMIRAL SITE ONE TO TREASURE

Admiral can a justly proud of their site. Easy to use,straightforward questions and any were missed very helpful guiding applicant back. Not being a young msn, though having a clean driving record to present,you can imagine my relief when Admiral Insurance revealed its full price with many of the benefits I required at a price I considered reasonable. I was even more pleased when within a few days I had all my printed detail in my post. Well done Admiral - Admirable.I

Date of experience : August 21, 2024

Great company, even insure modified cars!

Been insured with admiral multiple times over the years, I've a modified car and there's not many insurers that will insure modified cars but admiral do. It's not too much trouble for them. They're great. I would recommend them to anyone.

Date of experience : August 01, 2024

Customer service was very good but

Customer service was very good. However the reason for my call was that ADMIRAL took 2 payments for the same amount on tte same day for the same insurance. It will take 3-10 days for the duplicate transaction taken to be refunded. Luckily I’m not short of money however if I needed this money it wd be a different outcome.

While Saga stitched us up...Admiral sorted things out.

The representative didn't stop until he had found several ways of saving us money. The renewal on my wife's car insurance from Saga was outrageous, rising over one year from £775 to £1,800. Your representative provided us with the details to make incredible savings on both our cars and our home insurance. Let's hope when it's renewal time I will still be as enthusiastic about Admiral. Doesn't usually happen that way.

Date of experience : June 26, 2024

Good service

Good service, website is nice and easy to understand and everything you need is available at a push of a button. Easy and quick if you you need to change or amend policy with a few minutes. Customer service is friendly and helpful, would recommend to family and friends.

Date of experience : August 22, 2024

Peace of mind…

This policy gave us the peace of mind that we had complete cover for all our needs and at a good price. As a respected & well known brand, it's reassuring to have Admiral provide our cover.

Date of experience : May 03, 2024

Easy to navigate

Easy to navigate, get an insurance quote, or amend and purchase. The add-ons made it easy for me to check like-for-like quotes. Great savings on my change of vehicle quote. Instant links to paperwork.

Got quote on line compared it to my…

Got quote on line compared it to my last insurer almost identical in cover and ten percent cheaper. Requested paper version and received 3 days later. Spot on.

Fred was very very helpful and when I…

Fred was very very helpful and when I had to sort out something he arranged a time he would phone me back to check everything then helped me make my payment following procedure. I received all my paperwork this morning he was thorough.

Date of experience : August 19, 2024

Easy to set up

Easy to set up, straightforward, cheapest car insurance I could find! Remains to be seen if this stays true throughout the insured period

Booked online

Booked online, fill in form, pay money, Job done. Only complaint, motor insurance in general is far too expensive

I'm retired now,and God willing would…

I'm retired now,and God willing would like to travel a bit in the next 12 months.I always get a quote for single trips. I thought I'd get a quote for an annual insurance, was pleasantly surprised how much it cost

Multi policy insurance

Multi policy insurance, sorted out last November. My house insurance has just been added as previously arranged. Done without any problems.

Date of experience : November 27, 2023

Would’ve given 5 stars but after…

Would’ve given 5 stars but after completing my insurance on line and paying I was told I still had to phone and had to go through all what I had just done again,apart from that I got a good price

Great service over the phone

Spoke to Dillon on the phone as I was having trouble setting up car insurance through the website. He couldn’t have been more helpful with talking me through everything and getting it all set up for me.

Disgraceful company

Disgraceful company. I have comprehensive insurance policy for my car with them. When thiefs broke into my car in May this year smashing three windows. I called authorised dealership got a quote for cost of replacing windows. Called the ADMIRAL and were told by stuff that windows are exempt of policies cover in case breaking in or vandalism. Which is nonsense .Had filed complaint with the company and never heard any result. Going take them to court now

Date of experience : August 23, 2024

Excellent quote

I had looked into changing my vehicle insurance after a massive hike in my insurance last year and this year of over 40%. Admiral came back very well priced and much cheaper than the previous company on the comparison site. I had a very good experience with Admiral insurance over a number of years with a previous employer. I decided to go to Admiral direct and was made to feel like a valued customer. The details were checked and I found the cover was better than previous company for about 50% less than my previous companies quote. Admiral insurance is definitely worth trying.

Payment taken twice

Policy didn’t go through when first did it online so had to go through the chat to get everything sorted which took about 90 mins in total and then the payment has come out twice. Once from the original transaction online and again from the web chat payment I had to make.

Easy to use and get insurance quotes…

Easy to use and get insurance quotes where everything is listed and shows you what you can decide on adding to your policy. The experience is great.

SPLENDID SERVICE

The quote was competitive. It was fairly easy to fill application on Admiral website. I also contacted by phone and the lady was very helpful. I received paper document as requested.