Emerald Life 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 Emerald Life is the right company to go on holidays with?
In this definitive Emerald Life 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 Emerald Life 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 Emerald Life travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
4,6 Safe overall rating for Emerald Life
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Above average customer satisfaction rate of 3.8/5 on TrustPilot | |
| Cover provided |
Policies available across 2 levels of cover | |
| Value for money |
Fairly priced premiums | |
| Financial strength | Emerald Life Limited is an Appointed Representative of Commercial and General Limited, which is authorised and regulated by the Financial Conduct Authority | |
| Technology |
Online quote generation |
Emerald Life travel insurance reviews by expert and consumers
| Review organisation | Emerald Life travel insurance reviews |
|---|---|
| Defaqto expert | Premier: 4 |
| TrustPilot | 3,8/5 based on 2 opinions |
To check if Emerald Life 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.
Find the best travel insurance in just a few seconds!
What does Emerald Life travel insurance cover?
Emerald Life 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.
Emerald Life's travel insurance policies are available for individuals, couples, groups and families.
Emerald Life single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at Emerald Life | |
|---|---|
| Maximum days per trip | Single Trip: 45 days |
| Maximum age limit | 74 years for Europe or Worldwide (excl. USA, Canada, the Caribbean and Mexico) |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Emerald Life:
Policy name | Core | Premier |
|---|---|---|
| Excess (if not stated) | £100 | £50 |
| Medical expenses | £5M | £10M |
| Trip cancellation / curtailment | £3,000 | £5,000 |
| Delayed departure 12 hours | £15 | £15 |
| Delayed departure max | £150 | £150 |
| Baggage & belongings | £1,500 | £2,000 |
| Money including cash | £250 | £300 |
| Repatriation | £5M | £10M |
| Personal liability | £1.5M | £2M |
| Personal accident (excess £0) | £10,000 | £25,000 |
| Legal expenses (excess £0) | £25,000 | £25,000 |
| Hospital benefit (excess £0) | £450 | £600 |
| Accommodation cover | £3,000 | £5,000 |
| Pet care (excess £0) | £200 | £300 |
| SAFI* | Not Stated | Not Stated |
| Medical screening | x | x |
| Cruise cover | Optional | Optional |
| Winter sports | Optional | Optional |
| Golf Cover | Standard | Standard |
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Emerald Life 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 Emerald Life and it comes with the following benefits:
- Available across 2 levels of cover: Core and Premier
- Up to £1,300 for ski equipment that you own
- Up to £350 per single article of ski equipment that you own
- Up to £1,300 for ski equipment that you hired
- Up to £250 per single article of ski equipment that you hired
- Up to £200 ski equipment delay cover
- Up to £150 ski pack cover
- Up to £200 piste closure cover
- Up to £200 avalanche cover.
What are the other travel insurance options available at Emerald Life?
| Travel insurance options at Emerald Life | |
|---|---|
| Emerald Life golf cover | Golf Cover is included as standard. |
| Emerald Life 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. |
| Emerald Life cruise cover | Optional Cruise Cover is available at Emerald Life and it comes with the following benefits:
|
| Emerald Life gadget cover | Optional Gadget Cover is available at Emerald Life and it comes with the following features and benefits:
|
| Emerald Life other extras | Not Available |
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Emerald Life 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 Emerald Life travel insurance?
You'll find below indicative quotes per level of cover at Emerald Life:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Emerald Life:
Policy name | Core | Premier |
|---|---|---|
| Price - 7 days trip - 30 years old - Europe | £13,32 | £19,28 |
| Price - annual policy - 30 years old - Europe | £46,55 | £59,68 |
| Price - 7 days trip - 65 years old - Europe | £13,32 | £19,28 |
| Price - annual policy - 65 years old - Europe | £46,55 | £59,68 |
| Price - 7 days trip - 30 years old - USA | £37,45 | £49,52 |
| Price - annual policy - 30 years old - USA | £64,55 | £77,10 |
| Price - 7 days trip - 65 years old - USA | £37,45 | £49,52 |
| Price - annual policy - 65 years old - USA | £64,55 | £77,10 |
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It is, however, quite difficult to give precise price ranges as Emerald Life 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 Emerald Life?
Discounts may be available from time to time.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Emerald Life.
What else should I know about Emerald Life travel insurance?
What are the general exclusions at Emerald Life travel insurance?
To be eligible for a travel insurance cover at Emerald Life:
- You must be a resident of the UK
- Your trip must not have started yet
- A couple travel insurance policy is for 2 adults in a relationship living at the same address
- You will only be covered for a trip in the UK if you have at least one night's pre-booked and pre-paid accommodation
- Your trip must start and end in the UK
- You must have a return ticket prior to your departure
- You must be within the age limit
- You must be registered with a general practitioner.
How do I get travel insurance quote from Emerald Life?
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 Emerald Life 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 Emerald Life website?
- You can access your policy documents as well as your personal details through the customer portal.
- The customer portal can be accessed by clicking on the button. 'My Account' on the top right corner of the homepage and it will lead you to this page
How to claim at Emerald Life 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 Emerald Life travel insurance? | |
|---|---|
| When to claim? | 28 days within your trip ending. |
| Claim by email | [email protected] |
| Claim online | You can make a claim online by visiting in this page and filling in the necessary details required. |
| Claim by phone | 0238 017 7468 |
How do I contact Emerald Life travel insurance?
Emerald Life contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0330 113 7109 | Not Stated |
| Claims | 02380 177468 | Not Stated |
| Gadget Claims | 01285 626 020 | Not Stated |
| Medical Emergency | +44 (0)2380 644633 | Available 24/7 |
| Complaints | 0330 131 9960 | Not Stated |
Emerald Life other contact details
| Contact details | |
|---|---|
| Address | Emerald Life |
| [email protected] |
How to cancel your annual Emerald Life travel insurance policy?
You will find below main information to cancel your travel insurance policy at Emerald Life:
| How to cancel Emerald Life travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by email | [email protected] |
Our opinion on Emerald Life travel insurance
Emerald Life Limited is an Appointed Representative of Commercial and General Limited, which is authorised and regulated by the Financial Conduct Authority. The company's travel insurance policies are underwritten by Ageas Insurance Limited and is administered by Rock Insurance Services Limited which are authorised and regulated by the Financial Conduct Authority.
The main insurance covers, Single Trip and Annual Multi Trip Policies, are available across 2 levels of covers: Core and Premier. In addition to the main covers, optional covers such as Winter Sports, Cruise, and Gadget Cover are available.
We would recommend it to anyone looking for affordable Single or Annual Multi Trip Policies due to the high customer satisfaction rates on TrustPilot and Feefo and the 4 star rating on Defaqto.
