Avanti Travel Insurance: Ensuring Peace of Mind on Your Holidays
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When planning a holiday, unexpected events can quickly turn excitement into stress. Avanti travel insurance offers a solution to this common concern, providing travelers with peace of mind and financial protection against unforeseen circumstances. Regulated by the Financial Conduct Authority, Avanti has established itself as a trusted name in the UK travel insurance market, catering to various traveler needs and preferences.
This article explores the comprehensive coverage options offered by Avanti travel insurance, including their tailored protection for different types of travelers and their approach to COVID-19 coverage. We'll also look at Avanti's flexible policy add-ons, customer satisfaction levels, and how to choose the right Avanti policy for your specific travel needs. By the end, readers will have a clear understanding of how Avanti travel insurance can help ensure a worry-free holiday experience.
What is Avanti Travel Insurance?
Company Overview
Avanti Travel Insurance, founded in 2009 in Braintree, Essex, is a trusted name in the UK travel insurance market [1]. The company is now administered by the Howserv group of travel insurance companies and has its headquarters in Northamptonshire [1]. Avanti Travel Insurance is a trading name of TICORP Limited, which is registered in Gibraltar and authorized by the Gibraltar Financial Services Commission [2].
The insurance policies offered by Avanti are underwritten by Great Lakes Insurance SE, a German insurance company with its UK Branch office in London [3]. The policies are administered by ERGO Travel Insurance Services Limited, which is authorized and regulated by the Financial Conduct Authority [3].
Types of Policies Offered
Avanti Travel Insurance provides personal travel insurance with various policy options to suit different traveler needs [3]. The main types of policies offered include:
- Single Trip Travel Insurance: This policy covers one holiday or trip, whether within Europe or worldwide [4].
- Non-cruise travel insurance [5]
- Cruise travel insurance [5]
Key Features
Avanti Travel Insurance offers several key features that set it apart:
- Comprehensive Coverage: The policies provide coverage for various eventualities, including trip cancelation, medical emergencies, personal baggage, and lost passports [4].
- Flexible Policy Options: Avanti offers three levels of cover - Essentials, Classic, and Deluxe - allowing travelers to choose the policy that best suits their needs [4].
- Medical Coverage: The policies provide substantial medical emergency and repatriation coverage, ranging from £5 million to unlimited, depending on the chosen plan [4].
- COVID-19 Coverage: All policy levels include coverage related to COVID-19 [4].
- Pre-existing Medical Conditions: Avanti takes a personalized approach to covering pre-existing medical conditions, asking simple questions to understand how these conditions affect the traveler [4].
- Policy Add-ons: Both Classic and Deluxe policies can be extended to include Winter Sports, Golf Cover, Gadget Cover, and a 90-day upgrade [3].
- Customer-Centric Approach: Avanti prides itself on taking a non-rushed, straightforward approach to travel insurance, allowing customers to buy with confidence [1].
- Award-Winning Service: The company has received multiple awards, including the Best Travel Insurance award from the Personal Finance Awards for six consecutive years [1].
It's important to note that while travel insurance isn't legally required, it can provide significant financial protection and peace of mind for travelers [2]. Avanti Travel Insurance aims to offer tailored coverage that meets the specific needs of each traveler, ensuring they can enjoy their trips with confidence.
Comprehensive Coverage Options
Avanti Travel Insurance offers a range of comprehensive coverage options to suit various traveler needs. These options are designed to provide peace of mind and financial protection for different types of trips and traveler preferences.
Single Trip Insurance
Single Trip Travel Insurance is ideal for those planning a one-off holiday or trip. This policy covers travelers for various eventualities, including:
- Medical emergencies and repatriation
- Trip cancelation due to medical emergencies
- Personal baggage protection
- Lost passport coverage
The Single Trip policy is flexible and can accommodate different types of holidays, from family vacations in Spain to ski breaks with the Winter Sports add-on. It also covers 85 sports and activities as standard, making it suitable for more adventurous travelers [4].
Avanti offers three levels of cover for Single Trip Insurance:
Cover Type | Essentials | Classic | Deluxe |
|---|---|---|---|
Cancelation and cutting your holiday short | £1,000 | £5,000 | £7,500 |
Medical emergency and repatriation | £5 million | £10 million | Unlimited |
Personal baggage | £1,000 | £2,000 | £3,000 |
Missed departure | - | £1,000 | £1,500 |
Money and passport cover | £300 | £500 | £600 |
Personal liability | £2 million | £2 million | £2 million |
Excess | £150 | £75 | nil |
Covid Cover | ✔ | ✔ | ✔ |
Annual Multi-Trip Insurance
For frequent travelers, Annual Multi-Trip Insurance can be a more cost-effective and convenient option. This policy covers an entire year's worth of trips, providing confidence for multiple holidays [6].
Key features of Annual Multi-Trip Insurance include:
- Coverage for winter sports activities for up to 17 days (with Classic or Deluxe policies)
- Flexible trip duration based on age:
- Under 70: Up to 50 days per trip, 183 days total per year
- 71 and over: Up to 35 days per trip, 183 days total per year
- Option to extend coverage to 90 days per trip for travelers aged 70 and under (additional premium required)
Annual Travel Insurance can be paid monthly if the policy costs £80 or more, offering additional flexibility for travelers [6].
Medical Travel Insurance
Avanti Travel Insurance specializes in providing coverage for pre-existing medical conditions, ensuring that travelers with health concerns can explore the world with peace of mind. Their medical travel insurance offers:
- Coverage for a wide range of pre-existing conditions
- No upper age limit
- Personalized approach to assessing medical conditions
The Deluxe policy provides generous emergency medical cover, offering up to £7,500 per person [7].
It's important to note that while Avanti's travel insurance policies are comprehensive, there are some exclusions. Claims related to choosing not to travel, traveling against medical advice, or accidents under the influence of alcohol or drugs are not covered [2]. Travelers are advised to carefully read their policy documents to understand the full extent of their coverage.
Tailored Protection for Various Travelers
Avanti Travel Insurance recognizes that different travelers have unique needs and circumstances. To address this, they offer tailored protection options that cater to a wide range of travelers, ensuring comprehensive coverage regardless of age or health conditions.
Coverage for Pre-existing Conditions
Avanti understands the importance of covering pre-existing medical conditions, allowing travelers with health concerns to explore the world with peace of mind. They cover a wide range of pre-existing conditions, including high blood pressure, arthritis, and cancer [8]. To ensure proper coverage, travelers are encouraged to disclose any medical conditions they've had in the past two years, including:
- Prescribed medication
- Medical consultations
- Hospital visits or stays
- Awaiting test results or surgery
Additionally, any circulatory, heart, or cardiovascular conditions, even if cured or managed, should be disclosed [7].
Avanti's approach to assessing medical conditions is personalized and straightforward. Their friendly team guides travelers through a series of questions about their medical history, treating all information as strictly confidential [8]. This process helps build a travel insurance policy tailored to individual needs.
For those awaiting surgery or a medical procedure, Avanti offers coverage for various procedures. However, it's important to note that coverage may vary depending on the specific situation. For instance, if a traveler is awaiting a listed procedure, they may be covered for all sections of the policy except for cancelation and curtailment related to the pre-existing condition [9].
No Upper Age Limit
One of Avanti's standout features is their commitment to providing coverage regardless of age. Both their Single Trip and Annual policies have no upper age limit [10]. This allows senior travelers to enjoy extended holidays without worrying about age restrictions on their insurance coverage.
Long-stay Travel Insurance
Avanti offers flexible options for travelers planning extended trips. The duration of coverage varies based on the traveler's age and destination:
- For travelers aged 0-65:
- Coverage for up to 550 days in all regions [10]
- For travelers aged 66-70:
- For travelers aged 71-75:
For Annual Multi-Trip policies, travelers under 70 can stay away for up to 50 days per trip, while those 71 and over can stay for up to 35 days per trip. Both age groups can travel for a total of 183 days per year [6].
By offering these tailored protection options, Avanti ensures that travelers of all ages and health conditions can find suitable coverage for their trips, allowing them to travel with confidence and peace of mind.
COVID-19 Coverage and Support
In response to the ongoing global pandemic, Avanti Travel Insurance has adapted its policies to provide comprehensive COVID-19 coverage and support for travelers. This ensures that policyholders can enjoy their holidays with peace of mind, knowing they're protected against various COVID-related eventualities.
Pre-trip Cancelation Protection
Avanti's travel insurance policies include coverage for canceling or cutting a trip short due to COVID-19-related reasons. This protection extends to situations where the policyholder, someone they're traveling with, or someone they live with catches COVID-19 [12]. If a traveler tests positive for COVID-19 within 14 days of their planned departure, they can cancel their trip and receive coverage for the associated costs [2].
It's important to note that if a holiday provider cancels the trip, they are responsible for rearranging travel dates. In such cases, Avanti offers flexibility for single trip policyholders, allowing them to move their policy start date within 24 months of the original purchase date, subject to eligibility and potential additional fees [13].
Medical Treatment Abroad
One of the key features of Avanti's COVID-19 coverage is the inclusion of COVID-related emergency medical expenses when abroad [12]. This coverage is crucial, as medical treatment costs can be substantial, especially in countries like the United States. For instance, treatment for a stomach bug or infection in a U.S. hospital, along with new return flights, could cost up to £100,000 [14].
Avanti's policies cover:
- COVID-related emergency medical expenses
- Repatriation costs
- Additional accommodation and transport if deemed necessary by Avanti's medical officer [12]
It's worth noting that while European Health Insurance Card (EHIC) and Global Health Insurance Card (GHIC) provide access to state-provided healthcare within the EU and Switzerland, they do not cover private medical costs, repatriation, or additional expenses such as mountain rescue in ski resorts. Therefore, comprehensive travel insurance remains essential [14].
Repatriation Services
Avanti's COVID-19 coverage includes repatriation services, which can be crucial if a traveler faces complications due to the virus. Specifically, the policy covers repatriation if a policyholder is denied boarding due to a positive COVID-19 test [12].
Additionally, Avanti's policies generally include:
- Emergency travel home on medical grounds
- Reasonable costs for a family member or friend to stay with the policyholder or travel to accompany them home if required
- 24-hour assistance helplines offering support and advice about appropriate treatment [14]
These comprehensive COVID-19 coverage and support features demonstrate Avanti's commitment to ensuring travelers can explore the world with confidence, even amidst the challenges posed by the ongoing pandemic.
Flexible Policy Add-ons
Avanti Travel Insurance offers a range of flexible policy add-ons to cater to various traveler needs and preferences. These add-ons allow policyholders to customize their coverage for specific situations and trip types.
Trip Extensions
For travelers planning longer stays, Avanti provides options to extend their coverage. Annual Multi-Trip policies typically cover trips up to 50 days for those under 70, and up to 35 days for those 71 and over, with a total of 183 days across the year [6]. However, for those aged 70 and under, Avanti offers a one-trip extension option that can extend coverage to 90 days for an additional premium [6].
For even longer journeys, Avanti recommends considering their long-stay travel insurance [6]. This option is particularly useful for extended vacations or work assignments abroad.
FCDO Travel Advisory Coverage
Avanti's policies include provisions for situations where the Foreign, Commonwealth & Development Office (FCDO) advises against travel to certain destinations. If the FCDO advises against all or all but essential travel due to terrorism, policyholders should contact their airline or travel provider to explore options for rearranging their trip or obtaining a refund [15].
In cases where trips are rearranged, Avanti allows policyholders to update their travel insurance policy. This can be done through the My Avanti online account, but changes must be made before the original travel date [15].
All Avanti policies include coverage for cancelation if the FCDO advises against 'all but essential' travel due to natural disasters such as earthquakes, fires, floods, or hurricanes [15]. Additionally, Classic and Deluxe policies offer catastrophe coverage, which applies when natural disasters, major food poisoning outbreaks, or acts of terrorism render booked accommodation uninhabitable or unreachable [15].
Cruise-specific Insurance
While not legally required, many cruise lines recommend or require passengers to have travel insurance. Avanti offers specialized cruise holiday insurance to cover situations unique to sea travel [16]. Their cruise-specific policies cover:
- Medical emergencies at sea
- Cabin confinement
- Missed port departures
- Unused excursions
For Single Trip policies, travelers need to disclose all countries where their ship will dock, even if they don't plan to disembark. This ensures appropriate coverage for the entire itinerary [16]. Annual policy holders should verify that their chosen region covers all countries they plan to visit or stopover at during their cruise [16].
Avanti also offers cruise travel insurance for individuals with pre-existing medical conditions. This coverage works similarly to regular insurance but includes care costs for past or current medical conditions [17]. The cost may vary depending on the severity of the condition, with milder conditions potentially covered under standard policies or with minimal price increases [17].
To add cruise coverage to an existing Annual Multi-Trip policy, policyholders can contact Avanti directly for assistance [16]. It's advisable to inform Avanti about cruise plans as early as possible to ensure comprehensive coverage, including pre-departure benefits like cancelation protection [16].
Customer Satisfaction and Trust
Customer satisfaction and trust are crucial factors in the insurance industry, as they directly impact customer loyalty, retention, and the overall success of an insurance provider. Avanti Travel Insurance has made significant strides in building and maintaining customer trust through various means.
Trustpilot Ratings
Avanti Travel Insurance takes pride in its excellent customer ratings on Trustpilot, a widely recognized platform for customer reviews. The company has garnered over 55,000 reviews, earning an "Excellent" rating [18]. This high rating serves as a testament to the quality of service and customer satisfaction that Avanti provides. Trustpilot ratings offer valuable insights into customer sentiment and experiences, allowing Avanti to identify areas for improvement and further strengthen trust with their clients [19].
Customer Reviews
Both positive and negative customer reviews provide a wealth of information about the quality of Avanti's products, services, and claims process [19]. These reviews help potential customers make informed decisions and allow Avanti to continuously improve its offerings. The company's commitment to transparency is evident in its willingness to showcase customer feedback publicly.
Avanti's approach to customer satisfaction is rooted in its understanding that not everyone is an expert in travel insurance. They acknowledge that their job is to provide the right cover for each individual, regardless of age or health conditions. This philosophy is reflected in their specialization in covering people with health conditions and their policies having no upper age limit [18].
Claims Process
The claims process is a crucial touchpoint that can significantly impact a customer's trust in an insurance company. Efficient, transparent, and fair claims handling is essential for maintaining high levels of customer satisfaction [19]. Avanti has demonstrated its commitment to this principle through its claims statistics and processes.
In the previous year, Avanti paid out over £10 million on more than 8,000 claims [18] [20]. This substantial figure indicates the company's reliability in honoring its commitments to policyholders. Moreover, Avanti has streamlined its claims process, with 95% of claims receiving a decision within five working days [18] [20]. This quick turnaround time is likely to contribute positively to customer satisfaction, as it reduces uncertainty and stress for claimants.
To further facilitate the claims process, Avanti provides multiple options for customers to submit their claims. Policyholders can submit claims online or download claim forms to send via post. For those who prefer direct communication, Avanti offers a dedicated claims team that can be reached by phone [20].
Avanti's commitment to customer satisfaction and trust is evident in its transparent approach, positive customer ratings, efficient claims process, and inclusive policies. These factors collectively contribute to building and maintaining trust with their policyholders, ultimately leading to customer loyalty and positive word-of-mouth recommendations.
How to Choose the Right Avanti Policy
Assessing Your Travel Needs
When selecting an Avanti travel insurance policy, it's crucial to assess your specific travel needs. Avanti offers various types of policies to cater to different travel requirements. For frequent travelers, an Annual Multi-Trip policy can be more cost-effective than purchasing separate single trip policies for each holiday [6]. If you're planning a one-off holiday or trip, a Single Trip Travel Insurance policy might be more suitable [21].
Consider the duration of your trip as well. Avanti's policies can cover holidays exceeding 104 days with their long stay options [21]. For those under 70, trips can last up to 50 days per journey, while those 71 and over can travel for up to 35 days per trip, with a total of 183 days across the year [6].
Comparing Policy Levels
Avanti offers three levels of cover to suit different needs and budgets: Essentials, Classic, and Deluxe. Here's a comparison of key features:
Feature | Essentials | Classic | Deluxe |
|---|---|---|---|
Cancelation and cutting holiday short | £1,000 | £5,000 | £7,500 |
Medical emergency and repatriation | £5,000,000 | £10,000,000 | Unlimited |
Personal baggage cover | £1,000 | £2,000 | £3,000 |
Money and passport cover | £300 | £500 | £600 |
Personal liability | £2,000,000 | £2,000,000 | £2,000,000 |
Missed departure cover | £0 | £1,000 | £1,500 |
End supplier failure cover | £0 | £2,500 | £2,500 |
Excess | £150 | £75 | £0 |
The Classic and Deluxe policies offer additional benefits, such as winter sports coverage for up to 17 days [6]. Consider your activities and potential risks when choosing a policy level.
Getting a Quote
To get the right Avanti policy, follow these steps:
- Assess your travel plans and needs.
- Choose between Single Trip or Annual Multi-Trip coverage.
- Select the appropriate region of cover based on your destination(s).
- Decide on the level of cover (Essentials, Classic, or Deluxe) that best suits your needs and budget.
- Consider any add-ons you might need, such as winter sports coverage or extended trip duration.
You can get a quote online or by calling Avanti directly at 0800 888 6195 [10]. Remember, to take out an Avanti travel insurance policy, you must physically be in the UK and not have started your trip [10].
When applying, be prepared to answer questions about your pre-existing medical conditions. Avanti specializes in covering people with health conditions and has no upper age limit on their policies [18]. They'll ask simple questions to understand how your conditions affect you day-to-day, ensuring you get appropriate coverage [4].
By carefully assessing your needs, comparing policy levels, and getting a personalized quote, you can choose the Avanti travel insurance policy that provides the right coverage for your specific travel requirements.
Conclusion
Avanti Travel Insurance offers a wide range of options to suit different traveler needs, from single trip policies to annual multi-trip coverage. Their focus on providing insurance for pre-existing conditions and having no upper age limit sets them apart in the market. This approach, combined with their flexible policy add-ons and comprehensive COVID-19 coverage, gives Avanti an edge in ensuring peace of mind for travelers.
When choosing an Avanti policy, it's crucial to assess your specific travel needs and compare the different levels of cover available. By taking into account factors such as trip duration, destination, and potential risks, you can select a policy that offers the right protection for your journey. With their strong customer satisfaction ratings and efficient claims process, Avanti Travel Insurance has a significant impact on making travel more secure and enjoyable for a wide range of holidaymakers.
FAQs
1. Can I cancel my trip for any reason and get a refund with travel insurance?
Travel insurance does not cover cancelations simply because you changed your mind about traveling. Additionally, it does not cover the cost of unused pre-paid transportation if you are repatriated over the same or a greater distance than originally planned.
2. What happens if I need to cancel my holiday; does travel insurance cover that?
Yes, most travel insurance policies include cancelation cover, which can help you recover all or part of your expenses if you need to cancel your trip. It's important to review your specific policy to understand exactly what is covered.
3. What specific conditions does Avanti travel insurance cover?
Avanti Travel Insurance provides coverage for a variety of pre-existing medical conditions, including mental health issues, diabetes, cancer, and blood circulatory disorders. They specialize in offering travel insurance to individuals with these conditions.
4. Does travel insurance provide coverage for stress-related conditions?
Yes, if you have been diagnosed with a mental health-related condition such as anxiety, you must declare this when obtaining a quote for travel insurance. You will likely be asked to provide details about your condition as part of the process.
References
[1] - https://www.avantitravelinsurance.co.uk/about-us
[2] - https://www.avantitravelinsurance.co.uk/
[3] - https://www.avantitravelinsurance.co.uk/wp-content/uploads/2020/05/Avanti-Keyfacts_Core_MAY20-V1.pdf
[4] - https://www.avantitravelinsurance.co.uk/single-trip-travel-insurance
[5] - https://www.avantitravelinsurance.co.uk/policy-documents
[6] - https://www.avantitravelinsurance.co.uk/annual-multi-trip-travel-insurance
[7] - https://www.avantitravelinsurance.co.uk/pre-existing-medical-conditions-travel-insurance
[8] - https://www.avantitravelinsurance.co.uk/seniors-travel-insurance
[9] - https://www.avantitravelinsurance.co.uk/travel-insurance-awaiting-surgery
[10] - https://www.avantitravelinsurance.co.uk/faqs
[11] - https://www.avantitravelinsurance.co.uk/long-stay-travel-insurance
[12] - https://www.avantitravelinsurance.co.uk/covid-travel-insurance
[13] - https://www.avantitravelinsurance.co.uk/covering-health-outbreaks
[14] - https://www.gov.uk/guidance/foreign-travel-insurance
[15] - https://www.avantitravelinsurance.co.uk/travel-disruption-information
[16] - https://www.avantitravelinsurance.co.uk/cruise-travel-insurance
[17] - https://sailawaze.com/uk/news-and-interviews/cruise-travel-insurance-pre-existing-medical-conditions-cruises-over-65/
[18] - https://www.avantitravelinsurance.co.uk/reviews
[19] - https://www.tripadvisor.co.uk/ShowTopic-g1-i13626-k13673814-o10-Using_Avanti_Travel_Insurance_any_good-Senior_Travel.html
[20] - https://www.avantitravelinsurance.co.uk/claims
[21] - https://www.comparebyreview.com/travel-insurance/avanti-travel-insurance/
Avanti Travel Insurance: Ensuring Peace of Mind on Your Holidays
When planning a holiday, unexpected events can quickly turn excitement into stress. Avanti travel insurance offers a solution to this common concern, providing travelers with peace of mind and financial protection against unforeseen circumstances. Regulated by the Financial Conduct Authority, Avanti has established itself as a trusted name in the UK travel insurance market, catering to various traveler needs and preferences.
This article explores the comprehensive coverage options offered by Avanti travel insurance, including their tailored protection for different types of travelers and their approach to COVID-19 coverage. We'll also look at Avanti's flexible policy add-ons, customer satisfaction levels, and how to choose the right Avanti policy for your specific travel needs. By the end, readers will have a clear understanding of how Avanti travel insurance can help ensure a worry-free holiday experience.
What is Avanti Travel Insurance?
Company Overview
Avanti Travel Insurance, founded in 2009 in Braintree, Essex, is a trusted name in the UK travel insurance market [1]. The company is now administered by the Howserv group of travel insurance companies and has its headquarters in Northamptonshire [1]. Avanti Travel Insurance is a trading name of TICORP Limited, which is registered in Gibraltar and authorized by the Gibraltar Financial Services Commission [2].
The insurance policies offered by Avanti are underwritten by Great Lakes Insurance SE, a German insurance company with its UK Branch office in London [3]. The policies are administered by ERGO Travel Insurance Services Limited, which is authorized and regulated by the Financial Conduct Authority [3].
Types of Policies Offered
Avanti Travel Insurance provides personal travel insurance with various policy options to suit different traveler needs [3]. The main types of policies offered include:
- Single Trip Travel Insurance: This policy covers one holiday or trip, whether within Europe or worldwide [4].
- Non-cruise travel insurance [5]
- Cruise travel insurance [5]
Key Features
Avanti Travel Insurance offers several key features that set it apart:
- Comprehensive Coverage: The policies provide coverage for various eventualities, including trip cancelation, medical emergencies, personal baggage, and lost passports [4].
- Flexible Policy Options: Avanti offers three levels of cover - Essentials, Classic, and Deluxe - allowing travelers to choose the policy that best suits their needs [4].
- Medical Coverage: The policies provide substantial medical emergency and repatriation coverage, ranging from £5 million to unlimited, depending on the chosen plan [4].
- COVID-19 Coverage: All policy levels include coverage related to COVID-19 [4].
- Pre-existing Medical Conditions: Avanti takes a personalized approach to covering pre-existing medical conditions, asking simple questions to understand how these conditions affect the traveler [4].
- Policy Add-ons: Both Classic and Deluxe policies can be extended to include Winter Sports, Golf Cover, Gadget Cover, and a 90-day upgrade [3].
- Customer-Centric Approach: Avanti prides itself on taking a non-rushed, straightforward approach to travel insurance, allowing customers to buy with confidence [1].
- Award-Winning Service: The company has received multiple awards, including the Best Travel Insurance award from the Personal Finance Awards for six consecutive years [1].
It's important to note that while travel insurance isn't legally required, it can provide significant financial protection and peace of mind for travelers [2]. Avanti Travel Insurance aims to offer tailored coverage that meets the specific needs of each traveler, ensuring they can enjoy their trips with confidence.
Comprehensive Coverage Options
Avanti Travel Insurance offers a range of comprehensive coverage options to suit various traveler needs. These options are designed to provide peace of mind and financial protection for different types of trips and traveler preferences.
Single Trip Insurance
Single Trip Travel Insurance is ideal for those planning a one-off holiday or trip. This policy covers travelers for various eventualities, including:
- Medical emergencies and repatriation
- Trip cancelation due to medical emergencies
- Personal baggage protection
- Lost passport coverage
The Single Trip policy is flexible and can accommodate different types of holidays, from family vacations in Spain to ski breaks with the Winter Sports add-on. It also covers 85 sports and activities as standard, making it suitable for more adventurous travelers [4].
Avanti offers three levels of cover for Single Trip Insurance:
Cover Type | Essentials | Classic | Deluxe |
|---|---|---|---|
Cancelation and cutting your holiday short | £1,000 | £5,000 | £7,500 |
Medical emergency and repatriation | £5 million | £10 million | Unlimited |
Personal baggage | £1,000 | £2,000 | £3,000 |
Missed departure | - | £1,000 | £1,500 |
Money and passport cover | £300 | £500 | £600 |
Personal liability | £2 million | £2 million | £2 million |
Excess | £150 | £75 | nil |
Covid Cover | ✔ | ✔ | ✔ |
Annual Multi-Trip Insurance
For frequent travelers, Annual Multi-Trip Insurance can be a more cost-effective and convenient option. This policy covers an entire year's worth of trips, providing confidence for multiple holidays [6].
Key features of Annual Multi-Trip Insurance include:
- Coverage for winter sports activities for up to 17 days (with Classic or Deluxe policies)
- Flexible trip duration based on age:
- Under 70: Up to 50 days per trip, 183 days total per year
- 71 and over: Up to 35 days per trip, 183 days total per year
- Option to extend coverage to 90 days per trip for travelers aged 70 and under (additional premium required)
Annual Travel Insurance can be paid monthly if the policy costs £80 or more, offering additional flexibility for travelers [6].
Medical Travel Insurance
Avanti Travel Insurance specializes in providing coverage for pre-existing medical conditions, ensuring that travelers with health concerns can explore the world with peace of mind. Their medical travel insurance offers:
- Coverage for a wide range of pre-existing conditions
- No upper age limit
- Personalized approach to assessing medical conditions
The Deluxe policy provides generous emergency medical cover, offering up to £7,500 per person [7].
It's important to note that while Avanti's travel insurance policies are comprehensive, there are some exclusions. Claims related to choosing not to travel, traveling against medical advice, or accidents under the influence of alcohol or drugs are not covered [2]. Travelers are advised to carefully read their policy documents to understand the full extent of their coverage.
Tailored Protection for Various Travelers
Avanti Travel Insurance recognizes that different travelers have unique needs and circumstances. To address this, they offer tailored protection options that cater to a wide range of travelers, ensuring comprehensive coverage regardless of age or health conditions.
Coverage for Pre-existing Conditions
Avanti understands the importance of covering pre-existing medical conditions, allowing travelers with health concerns to explore the world with peace of mind. They cover a wide range of pre-existing conditions, including high blood pressure, arthritis, and cancer [8]. To ensure proper coverage, travelers are encouraged to disclose any medical conditions they've had in the past two years, including:
- Prescribed medication
- Medical consultations
- Hospital visits or stays
- Awaiting test results or surgery
Additionally, any circulatory, heart, or cardiovascular conditions, even if cured or managed, should be disclosed [7].
Avanti's approach to assessing medical conditions is personalized and straightforward. Their friendly team guides travelers through a series of questions about their medical history, treating all information as strictly confidential [8]. This process helps build a travel insurance policy tailored to individual needs.
For those awaiting surgery or a medical procedure, Avanti offers coverage for various procedures. However, it's important to note that coverage may vary depending on the specific situation. For instance, if a traveler is awaiting a listed procedure, they may be covered for all sections of the policy except for cancelation and curtailment related to the pre-existing condition [9].
No Upper Age Limit
One of Avanti's standout features is their commitment to providing coverage regardless of age. Both their Single Trip and Annual policies have no upper age limit [10]. This allows senior travelers to enjoy extended holidays without worrying about age restrictions on their insurance coverage.
Long-stay Travel Insurance
Avanti offers flexible options for travelers planning extended trips. The duration of coverage varies based on the traveler's age and destination:
- For travelers aged 0-65:
- Coverage for up to 550 days in all regions [10]
- For travelers aged 66-70:
- For travelers aged 71-75:
For Annual Multi-Trip policies, travelers under 70 can stay away for up to 50 days per trip, while those 71 and over can stay for up to 35 days per trip. Both age groups can travel for a total of 183 days per year [6].
By offering these tailored protection options, Avanti ensures that travelers of all ages and health conditions can find suitable coverage for their trips, allowing them to travel with confidence and peace of mind.
COVID-19 Coverage and Support
In response to the ongoing global pandemic, Avanti Travel Insurance has adapted its policies to provide comprehensive COVID-19 coverage and support for travelers. This ensures that policyholders can enjoy their holidays with peace of mind, knowing they're protected against various COVID-related eventualities.
Pre-trip Cancelation Protection
Avanti's travel insurance policies include coverage for canceling or cutting a trip short due to COVID-19-related reasons. This protection extends to situations where the policyholder, someone they're traveling with, or someone they live with catches COVID-19 [12]. If a traveler tests positive for COVID-19 within 14 days of their planned departure, they can cancel their trip and receive coverage for the associated costs [2].
It's important to note that if a holiday provider cancels the trip, they are responsible for rearranging travel dates. In such cases, Avanti offers flexibility for single trip policyholders, allowing them to move their policy start date within 24 months of the original purchase date, subject to eligibility and potential additional fees [13].
Medical Treatment Abroad
One of the key features of Avanti's COVID-19 coverage is the inclusion of COVID-related emergency medical expenses when abroad [12]. This coverage is crucial, as medical treatment costs can be substantial, especially in countries like the United States. For instance, treatment for a stomach bug or infection in a U.S. hospital, along with new return flights, could cost up to £100,000 [14].
Avanti's policies cover:
- COVID-related emergency medical expenses
- Repatriation costs
- Additional accommodation and transport if deemed necessary by Avanti's medical officer [12]
It's worth noting that while European Health Insurance Card (EHIC) and Global Health Insurance Card (GHIC) provide access to state-provided healthcare within the EU and Switzerland, they do not cover private medical costs, repatriation, or additional expenses such as mountain rescue in ski resorts. Therefore, comprehensive travel insurance remains essential [14].
Repatriation Services
Avanti's COVID-19 coverage includes repatriation services, which can be crucial if a traveler faces complications due to the virus. Specifically, the policy covers repatriation if a policyholder is denied boarding due to a positive COVID-19 test [12].
Additionally, Avanti's policies generally include:
- Emergency travel home on medical grounds
- Reasonable costs for a family member or friend to stay with the policyholder or travel to accompany them home if required
- 24-hour assistance helplines offering support and advice about appropriate treatment [14]
These comprehensive COVID-19 coverage and support features demonstrate Avanti's commitment to ensuring travelers can explore the world with confidence, even amidst the challenges posed by the ongoing pandemic.
Flexible Policy Add-ons
Avanti Travel Insurance offers a range of flexible policy add-ons to cater to various traveler needs and preferences. These add-ons allow policyholders to customize their coverage for specific situations and trip types.
Trip Extensions
For travelers planning longer stays, Avanti provides options to extend their coverage. Annual Multi-Trip policies typically cover trips up to 50 days for those under 70, and up to 35 days for those 71 and over, with a total of 183 days across the year [6]. However, for those aged 70 and under, Avanti offers a one-trip extension option that can extend coverage to 90 days for an additional premium [6].
For even longer journeys, Avanti recommends considering their long-stay travel insurance [6]. This option is particularly useful for extended vacations or work assignments abroad.
FCDO Travel Advisory Coverage
Avanti's policies include provisions for situations where the Foreign, Commonwealth & Development Office (FCDO) advises against travel to certain destinations. If the FCDO advises against all or all but essential travel due to terrorism, policyholders should contact their airline or travel provider to explore options for rearranging their trip or obtaining a refund [15].
In cases where trips are rearranged, Avanti allows policyholders to update their travel insurance policy. This can be done through the My Avanti online account, but changes must be made before the original travel date [15].
All Avanti policies include coverage for cancelation if the FCDO advises against 'all but essential' travel due to natural disasters such as earthquakes, fires, floods, or hurricanes [15]. Additionally, Classic and Deluxe policies offer catastrophe coverage, which applies when natural disasters, major food poisoning outbreaks, or acts of terrorism render booked accommodation uninhabitable or unreachable [15].
Cruise-specific Insurance
While not legally required, many cruise lines recommend or require passengers to have travel insurance. Avanti offers specialized cruise holiday insurance to cover situations unique to sea travel [16]. Their cruise-specific policies cover:
- Medical emergencies at sea
- Cabin confinement
- Missed port departures
- Unused excursions
For Single Trip policies, travelers need to disclose all countries where their ship will dock, even if they don't plan to disembark. This ensures appropriate coverage for the entire itinerary [16]. Annual policy holders should verify that their chosen region covers all countries they plan to visit or stopover at during their cruise [16].
Avanti also offers cruise travel insurance for individuals with pre-existing medical conditions. This coverage works similarly to regular insurance but includes care costs for past or current medical conditions [17]. The cost may vary depending on the severity of the condition, with milder conditions potentially covered under standard policies or with minimal price increases [17].
To add cruise coverage to an existing Annual Multi-Trip policy, policyholders can contact Avanti directly for assistance [16]. It's advisable to inform Avanti about cruise plans as early as possible to ensure comprehensive coverage, including pre-departure benefits like cancelation protection [16].
Customer Satisfaction and Trust
Customer satisfaction and trust are crucial factors in the insurance industry, as they directly impact customer loyalty, retention, and the overall success of an insurance provider. Avanti Travel Insurance has made significant strides in building and maintaining customer trust through various means.
Trustpilot Ratings
Avanti Travel Insurance takes pride in its excellent customer ratings on Trustpilot, a widely recognized platform for customer reviews. The company has garnered over 55,000 reviews, earning an "Excellent" rating [18]. This high rating serves as a testament to the quality of service and customer satisfaction that Avanti provides. Trustpilot ratings offer valuable insights into customer sentiment and experiences, allowing Avanti to identify areas for improvement and further strengthen trust with their clients [19].
Customer Reviews
Both positive and negative customer reviews provide a wealth of information about the quality of Avanti's products, services, and claims process [19]. These reviews help potential customers make informed decisions and allow Avanti to continuously improve its offerings. The company's commitment to transparency is evident in its willingness to showcase customer feedback publicly.
Avanti's approach to customer satisfaction is rooted in its understanding that not everyone is an expert in travel insurance. They acknowledge that their job is to provide the right cover for each individual, regardless of age or health conditions. This philosophy is reflected in their specialization in covering people with health conditions and their policies having no upper age limit [18].
Claims Process
The claims process is a crucial touchpoint that can significantly impact a customer's trust in an insurance company. Efficient, transparent, and fair claims handling is essential for maintaining high levels of customer satisfaction [19]. Avanti has demonstrated its commitment to this principle through its claims statistics and processes.
In the previous year, Avanti paid out over £10 million on more than 8,000 claims [18] [20]. This substantial figure indicates the company's reliability in honoring its commitments to policyholders. Moreover, Avanti has streamlined its claims process, with 95% of claims receiving a decision within five working days [18] [20]. This quick turnaround time is likely to contribute positively to customer satisfaction, as it reduces uncertainty and stress for claimants.
To further facilitate the claims process, Avanti provides multiple options for customers to submit their claims. Policyholders can submit claims online or download claim forms to send via post. For those who prefer direct communication, Avanti offers a dedicated claims team that can be reached by phone [20].
Avanti's commitment to customer satisfaction and trust is evident in its transparent approach, positive customer ratings, efficient claims process, and inclusive policies. These factors collectively contribute to building and maintaining trust with their policyholders, ultimately leading to customer loyalty and positive word-of-mouth recommendations.
How to Choose the Right Avanti Policy
Assessing Your Travel Needs
When selecting an Avanti travel insurance policy, it's crucial to assess your specific travel needs. Avanti offers various types of policies to cater to different travel requirements. For frequent travelers, an Annual Multi-Trip policy can be more cost-effective than purchasing separate single trip policies for each holiday [6]. If you're planning a one-off holiday or trip, a Single Trip Travel Insurance policy might be more suitable [21].
Consider the duration of your trip as well. Avanti's policies can cover holidays exceeding 104 days with their long stay options [21]. For those under 70, trips can last up to 50 days per journey, while those 71 and over can travel for up to 35 days per trip, with a total of 183 days across the year [6].
Comparing Policy Levels
Avanti offers three levels of cover to suit different needs and budgets: Essentials, Classic, and Deluxe. Here's a comparison of key features:
Feature | Essentials | Classic | Deluxe |
|---|---|---|---|
Cancelation and cutting holiday short | £1,000 | £5,000 | £7,500 |
Medical emergency and repatriation | £5,000,000 | £10,000,000 | Unlimited |
Personal baggage cover | £1,000 | £2,000 | £3,000 |
Money and passport cover | £300 | £500 | £600 |
Personal liability | £2,000,000 | £2,000,000 | £2,000,000 |
Missed departure cover | £0 | £1,000 | £1,500 |
End supplier failure cover | £0 | £2,500 | £2,500 |
Excess | £150 | £75 | £0 |
The Classic and Deluxe policies offer additional benefits, such as winter sports coverage for up to 17 days [6]. Consider your activities and potential risks when choosing a policy level.
Getting a Quote
To get the right Avanti policy, follow these steps:
- Assess your travel plans and needs.
- Choose between Single Trip or Annual Multi-Trip coverage.
- Select the appropriate region of cover based on your destination(s).
- Decide on the level of cover (Essentials, Classic, or Deluxe) that best suits your needs and budget.
- Consider any add-ons you might need, such as winter sports coverage or extended trip duration.
You can get a quote online or by calling Avanti directly at 0800 888 6195 [10]. Remember, to take out an Avanti travel insurance policy, you must physically be in the UK and not have started your trip [10].
When applying, be prepared to answer questions about your pre-existing medical conditions. Avanti specializes in covering people with health conditions and has no upper age limit on their policies [18]. They'll ask simple questions to understand how your conditions affect you day-to-day, ensuring you get appropriate coverage [4].
By carefully assessing your needs, comparing policy levels, and getting a personalized quote, you can choose the Avanti travel insurance policy that provides the right coverage for your specific travel requirements.
Conclusion
Avanti Travel Insurance offers a wide range of options to suit different traveler needs, from single trip policies to annual multi-trip coverage. Their focus on providing insurance for pre-existing conditions and having no upper age limit sets them apart in the market. This approach, combined with their flexible policy add-ons and comprehensive COVID-19 coverage, gives Avanti an edge in ensuring peace of mind for travelers.
When choosing an Avanti policy, it's crucial to assess your specific travel needs and compare the different levels of cover available. By taking into account factors such as trip duration, destination, and potential risks, you can select a policy that offers the right protection for your journey. With their strong customer satisfaction ratings and efficient claims process, Avanti Travel Insurance has a significant impact on making travel more secure and enjoyable for a wide range of holidaymakers.
FAQs
1. Can I cancel my trip for any reason and get a refund with travel insurance?
Travel insurance does not cover cancelations simply because you changed your mind about traveling. Additionally, it does not cover the cost of unused pre-paid transportation if you are repatriated over the same or a greater distance than originally planned.
2. What happens if I need to cancel my holiday; does travel insurance cover that?
Yes, most travel insurance policies include cancelation cover, which can help you recover all or part of your expenses if you need to cancel your trip. It's important to review your specific policy to understand exactly what is covered.
3. What specific conditions does Avanti travel insurance cover?
Avanti Travel Insurance provides coverage for a variety of pre-existing medical conditions, including mental health issues, diabetes, cancer, and blood circulatory disorders. They specialize in offering travel insurance to individuals with these conditions.
4. Does travel insurance provide coverage for stress-related conditions?
Yes, if you have been diagnosed with a mental health-related condition such as anxiety, you must declare this when obtaining a quote for travel insurance. You will likely be asked to provide details about your condition as part of the process.
References
[1] - https://www.avantitravelinsurance.co.uk/about-us
[2] - https://www.avantitravelinsurance.co.uk/
[3] - https://www.avantitravelinsurance.co.uk/wp-content/uploads/2020/05/Avanti-Keyfacts_Core_MAY20-V1.pdf
[4] - https://www.avantitravelinsurance.co.uk/single-trip-travel-insurance
[5] - https://www.avantitravelinsurance.co.uk/policy-documents
[6] - https://www.avantitravelinsurance.co.uk/annual-multi-trip-travel-insurance
[7] - https://www.avantitravelinsurance.co.uk/pre-existing-medical-conditions-travel-insurance
[8] - https://www.avantitravelinsurance.co.uk/seniors-travel-insurance
[9] - https://www.avantitravelinsurance.co.uk/travel-insurance-awaiting-surgery
[10] - https://www.avantitravelinsurance.co.uk/faqs
[11] - https://www.avantitravelinsurance.co.uk/long-stay-travel-insurance
[12] - https://www.avantitravelinsurance.co.uk/covid-travel-insurance
[13] - https://www.avantitravelinsurance.co.uk/covering-health-outbreaks
[14] - https://www.gov.uk/guidance/foreign-travel-insurance
[15] - https://www.avantitravelinsurance.co.uk/travel-disruption-information
[16] - https://www.avantitravelinsurance.co.uk/cruise-travel-insurance
[17] - https://sailawaze.com/uk/news-and-interviews/cruise-travel-insurance-pre-existing-medical-conditions-cruises-over-65/
[18] - https://www.avantitravelinsurance.co.uk/reviews
[19] - https://www.tripadvisor.co.uk/ShowTopic-g1-i13626-k13673814-o10-Using_Avanti_Travel_Insurance_any_good-Senior_Travel.html
[20] - https://www.avantitravelinsurance.co.uk/claims
[21] - https://www.comparebyreview.com/travel-insurance/avanti-travel-insurance/
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