Circlecover Travel Insurance Review

Your dependents who are under the age of 18, living at home with you or in full time education

At time of purchase:-

Aged 99 for Single Trip

Aged 99 for Multi Trip

Single Trip, Trip Duration is for up to 365 days, however for 0ver 65's this is reduced to a maximum of 45 days.

Annual Trip, Trip Duration is for 45 days maximum Trip length. Trip length for over 65’s is for a maximum of 22 days. The Gold and Platinum policies allow for an increase in trip length to 90 days for under 65’s.  (at the date of purchase of the insurance)

Winter Sports can be added to your Single Trip Policy for the entire duration of your tip. Wintersports cover included free of charge on Annual Policies is included for up to 17 days, or 24 if you have taken Gold or Platinum policies.

Over 20 wintersports activities covered as standard (see policy for details)

• Wintersports equipment: £500 silver (single article limit £250), £1,000 gold (single article limit £500),  £1500 platinum (single article limit £750).
• Ski Hire:  Silver £20 per day up to £200, Gold £50 per day up to £500, Platinum £75 per day up to £750.
• Ski Pack: Silver £75 per day up to £300, Gold £75 per day up to £450, Platinum £85 per day up to £510
• Piste Closure: Silver £20 per day up to £200, Gold £40 per day up to £400, Platinum £50 per day up to £500
• Avalanche: Silver £250, Gold £500, Platinum £750.

A policy can be taken out by individuals, couples and families

Family means “A person and their husband, wife or partner and their dependent, adopted or fostered children who are aged under 18 and are either in full-time education or living with them”.

A policy can also be taken out by a group of up to ten individuals, although there is no group discount for insuring more than one individual.

EHIC mandatory if travelling to the EU. You must enrol in Medicare if travelling to Australia.

There is a list of over 90 activities covered as standard. However, you will not be covered for any activity considered to be dangerous unless specifically agreed with Circlecover. They will not cover any sport undertaken professionally.  

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

Policy states the Insurer shall not be responsible claims where “We do not expect you to avoid alcohol consumption on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result (e.g. any medical claim where in the opinion of the treating doctor, your excessive alcohol consumption has caused or actively contributed to your injury or illness).  “

Covered under all policies for this Insurance Provider for Scheduled Airline Failure, and End Supplier Failure on Gold, Platinum Policies, which incorporates additional suppliers, as follows:- car hire operators,  ferry operators, coach operators or train operators.

All pre existing medical conditions are underwritten at the point of sale, making the process simple and quick.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

Policy States " We provide cover under this policy if something unexpected happens. In particular, we provide cover under section B ? Medical and other expenses for injuries to the body or illness that was not expected. 

We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under sections A, B and C of this policy, for claims that come from complications of pregnancy and childbirth. Please make sure you read the definition of ‘Complications of pregnancy and childbirth’ on page 14."

Manual Work of any kind is specifically excluded unless you are not getting paid for it and it is for a registered charity. Manual labour is work that is physical, including, but not limited to construction, installation, assembly and building work. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery).

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

Proof of ownership is required for items that you are claiming for.  The insurer won’t pay if you are unable to provide this and deductions will be made for items claimed, for wear and tear, it is not a new for old replacement policy.

We strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

You are not covered in respect of any claim that happens as a result of war, invasion, revolution, rebellion, act of foreign enemy or any similar event (except for any which the public did not know about at the time of purchase of this insurance and/or prior to the booking of any individual trip). Please note that this exclusion does not apply to section B ? Medical expenses

The standard policy excludes claims relating to natural disaster, except for section B, medical expenses. However there is the option to extend cover to include travel disruption which includes delayed departure, missed departure and extended accommodation cover, in the event of a catastrophe or natural disaster.

All insured persons must be a resident of the United Kingdom, Channel Islands and British Forces Posted Overseas only.

Cruise Travel Insurance is an option on the Silver, Gold and Platinum policies.

The levels of cover for the Cruise option is the same on all policies and in fact is exactly the same as the Insure and Go policies. Up to £1,000 to help get you to the next port if you have missed the original port departure. Up to £100 per day (maximum £1,000) if you need to be confined to your cabin, due to illness or injury. Up to £500 for unused excursions as a result of injury or illness. Up to £500 for a change in itinerary due to bad weather or timetable changes.

Finally up to £1,000 compensation if you have to leave the ship due to injury or illness. See the policy for full details.

Unlike some companies, Circlecover include Mobile phones, Ipads, ebooks, tablets, photographic equipment, games consoles etc in their definition of valuables, so there is already some cover under the standard policy for these types of gadgets.

You do however have the option to increase this limit to £2,000 with a single article limit of £1,000. Circlecover will make a deduction for wear and tear and reserve the right to deduct a further 10% for any item over £100 where you cannot prove ownership.

Circlecover.com do offer their policies on the Moneysupermarket comparison website. The cover and the cost of Insurance is exactly the same, whether you use the comparison website or book travel insurance direct with Circlecover.com

The circlecover travel insurance policy wording is almost identical to the Insure and Go policy wording (they are both owned by MAPFRE Assistance) as is the cover. Like Insure and Go the Circlecover.com policy is well laid out, with clear contact numbers for administration and in the event of a claim.

There is a helpful table of benefits and a contents directory, allowing you to find specific sections of cover.

We can't find any independent customer reviews of circlecover.com

As mentioned above Circlecover.com are part of the Insure and Go (MAPFRE) group. The two companies policies and cover are almost identical. The gold and platinum policies have top five star rated levels of cover.

We recommend obtaining quotes from both companies and comparing prices.