Co op Travel Insurance Review and Quotes
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Discover the methodologyIt might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether Co op is the right company to go on holidays with?
In this definitive Co op review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is Co op the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Co op travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
3,8 Safe overall rating for Co op
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Easily accessible policy documents | |
| Cover provided |
Policies available across 4 levels of cover | |
| Value for money | Lower prices for children travelling in groups with adults | |
| Financial strength | Co-op Insurance is a trading name of CIS General Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority | |
| Technology |
Availability of customer portal |
Co op travel insurance reviews by expert and consumers
| Review organisation | Co op travel insurance reviews |
|---|---|
| Defaqto expert | Not available |
| TrustPilot | 1,4/5 based on more than 200 opinions |
To check if Co op is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
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What does Co op travel insurance cover?
Co op travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
Co-Op's Travel Insurance Policies are available for individuals, couples, groups and families.
Co op single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at Co op | |
|---|---|
| Maximum days per trip | Single Trip: 90 days for ages 65 and below, 31 days for ages 66 years and above |
| Maximum age limit | Single and Annual Multi Trip: No upper age limit |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Co op:
Policy name | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Excess (if not stated) | £100 | £75 | £50 | £50 |
| Medical expenses | Unlimited | Unlimited | Unlimited | Unlimited |
| Trip cancellation / curtailment | £1,000 | £2,500 | £5,000 | £7,500 |
| Delayed departure 12 hours | x | £20 | £25 | £30 |
| Delayed departure max | x | £100 | £200 | £300 |
| Baggage & belongings | x | x | £3,000 | £4,000 |
| Money including cash | x | x | £500 | £600 |
| Repatriation | Unlimited | Unlimited | Unlimited | Unlimited |
| Personal liability | £1M | £2M | £2M | £2M |
| Personal accident (excess £0) | £10,000 | £15,000 | £20,000 | £50,000 |
| Legal expenses (excess £0) | £10,000 | £30,000 | £40,000 | £50,000 |
| Hospital benefit (excess £0) | £500 | £1,000 | £1,500 | £2,000 |
| Accommodation cover | x | £250 | £1,000 | £1,000 |
| Pet care (excess £0) | x | x | x | x |
| SAFI* | £1,000 | £2,500 | £5,000 | £7,500 |
| Medical screening | x | x | x | x |
| Cruise cover | Optional | Optional | Optional | Optional |
| Winter sports | Optional | Optional | Optional | Optional |
| Golf Cover | Optional | Optional | Optional | Optional |
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Co op backpacker travel insurance
Backpacker Travel Insurance Policy is available at Co-Op and it comes with the following benefits:
- Up to 18 months cover
- Available across 3 levels of cover: Bronze, Silver and Gold
- Unlimited medical expenses cover
- Up to £450 emergency dental cover
- Up to £40,000 legal expenses cover
- Up to £20,000 personal accident cover
- Optional upgrade covers available such as Winter Sports, Gadgets and Valuables Cover, Natural Disaster, Car Hire Excess Waiver and Hazardous activities cover.
Co op winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Optional Winter Sports Cover is available at Co-Op and it comes with the following features and benefits:
- Available across 4 levels of cover: Bronze, Silver, Gold and Platinum
- Up to 17 days cover for Bronze and Silver levels of cover
- Up to 24 days cover for Gold and Platinum levels of cover
- Up to £1,500 for winter sports equipment that you own
- Up to £500 for winter sports equipment that you hired
- Up to £750 to hire replacement winter sports equipment
- Up to £510 ski pack cover
- Up to £500 piste closure cover
- Up to £750 avalanche cover.
What are the other travel insurance options available at Co op?
| Travel insurance options at Co op | |
|---|---|
| Co op golf cover | Optional Golf Cover is available at Co-Op and it comes with the following benefits:
|
| Co op business cover | Optional Business Travel Cover is not available however, you may still be covered under the Single or Annual Multi Trip policies if you choose to travel for business. |
| Co op cruise cover | Optional Cruise Cover is available at Co-Op and it comes with the following benefits:
|
| Co op gadget cover | Optional Gadget and Valuables Cover is available at Co-Op and it comes with the following benefits:
|
| Co op other extras | Other optional upgrades available at Co-Op are:
|
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Co op before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is Co op travel insurance?
You'll find below indicative quotes per level of cover at Co op:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Co op:
Policy name | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Price - 3 days trip - 30 years old - Europe | £7,23 | £12,46 | £17,30 | £24,30 |
Find the best travel insurance in just a few seconds!
It is, however, quite difficult to give precise price ranges as Co op travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at Co op?
There are no discounts mentioned on the website.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Co op.
What else should I know about Co op travel insurance?
What are the general exclusions at Co op travel insurance?
To be eligible for travel insurance policy at Co-Op:
- You must have lived in your home area for at least 6 months within the previous 12 months to purchasing the policy
- You must take reasonable precautions to protect yourself and your belongings
- You must be transparent with the company about any medical conditions you have
- You must take all reasonable steps to get back any possessions that are stolen or lost which includes helping the authorities to catch or charge the guilty people involved
- You must comply with all the terms and conditions stated in your policy.
How do I get travel insurance quote from Co op?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Co op is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to Co op website?
Through the customer portal you can access your policy documents and file for claims.
Just log in by entering your policy or quote reference.
How to claim at Co op travel insurance?
There are 3 ways to make a claim and that is online, through a phone call or via email.
| How to claim on Co op travel insurance? | |
|---|---|
| When to claim? | 31 days within your trip ending. |
| Claim by email | [email protected] |
| Claim online | To claim online, just log into your account at and make a claim. |
| Claim by phone | 0330 400 1505 |
How do I contact Co op travel insurance?
Co op contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Quote/Renewals | 0330 400 1626 | Monday to Friday: 9am to 5pm |
| Non-Emergency Claim | 0330 400 1505 (UK) / 0203 362 2450 (Outside the UK) | Monday to Friday: 9am to 5pm |
| Declare Medical Conditions | 0330 400 1626 | Monday to Friday: 9am to 5pm |
| Complaint | 0330 400 1420 | Monday to Friday: 9am to 5pm |
| Medical Emergency | +44 02077480060 | Available 24/7 |
Co op other contact details
| Contact details | |
|---|---|
| Address | Co-op Travel Insurance |
| [email protected] |
How to cancel your annual Co op travel insurance policy?
You will find below main information to cancel your travel insurance policy at Co op:
| How to cancel Co op travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by mail | Write your cancellation letter to: |
| Cancel by email | [email protected] |
Our opinion on Co op travel insurance
Co-op Insurance is a trading name of CIS General Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
The company offers Single and Annual Multi Trip Policies across 4 levels of cover: Bronze, Silver Gold and Platinum. They also offer Backpacker Travel Insurance across 3 levels of cover: Bronze, Silver and Gold. The maximum duration the Single Trip Policy is 90 days and that of the Annual Multi Trip Policy ranges across the levels of cover with the Bronze covering 31 days, Silver 45 days and the Gold and Platinum levels covering 90 days. The limits offered are also above average with the medical emergency cover being unlimited and the cancellation cover limit being as high as £7,500.
In addition to the main insurance policies, they also offer optional covers such as Winter Sports, Cruise Cover, Gadget Cover, Natural Disaster Cover, Golf Cover, Car Hire Excess Waiver and Hazardous activities cover.
Due to the lack of Defaqto rating and low customer satisfaction rate of 1,4/5 on TrustPilot, we would recommend that you consider other travel insurance companies such as Alpha Travel Insurance, Churchill and Sainsbury's.
