(Unsplash)

(Unsplash)

Who are Able2Travel?

Based in Guilford, Able2Travel specialises in travel insurance for people with pre-existing and newly diagnosed medical conditions, as well as cover for the over 50s.

The company is among a number of niche insurance brands that are owned by broker Voyager Insurance Services Ltd. Founded in 1996, Voyager Insurance Services Ltd is part of the Somerville insurance group.

Able2Travel’s travel insurance policies are underwritten by Chaucer Insurance. The company is authorised and regulated by the Financial Conduct Authority (FCA).

Why should I consider Able2Travel?

Able2Travel provides single trip and annual multi-trip travel insurance policies across three cover levels: Silver, Gold and Platinum.

All policies include up to:

  • £5,000 for cancellation

  • £10 million for emergency medical expenses

  • £3,000 for personal baggage

  • £1,000 for missed departure and connections

  • £20,000 for personal accident.

Standard cover extends to UK ‘staycations’ for a minimum of two nights in pre-booked and pre-paid accommodation.

Additional benefits include cover for medical items, aftercare on your return home following hospitalisation abroad and kennel and cattery fees if you are delayed in returning from your trip due to death, accident, injury or unavoidable public transport delay.

If you are on a Gold or Platinum policy, you can also add cover for cancellation or curtailment due to catastrophe and disruption i.e. a natural disaster, where a regulatory authority such as the Foreign, Commonwealth and Development Office (FCDO) advises against travel.

Cover for winter sports holidays, golfing equipment and gadgets is available for an additional premium. You can also pay for ‘extended carer cover’ on single trip Gold and Platinum policies. It will cover the associated costs, if you need to replace a carer who is accompanying you on a trip, as they have fallen ill and need to cut their trip short. All policies cover emergency medical expenses and repatriation, and cancellation, curtailment or loss of holiday cover due to Covid-related emergencies.

Independent analysts, Defaqto, award Able2Travel’s Platinum policies 5-stars, its gold policies 3-stars and its silver polices 2-stars out of a possible five.

How to contact Able2Travel

Able2Travel’s policies can be bought online or you can call its customer service team to purchase insurance or with any queries on: 01483 806 826 Monday to Friday between 9am – 5.30pm, and on Saturdays between 9am – 5pm.

To claim, request an appropriate travel insurance claim form by calling: 01702 746 560 or emailing [email protected] Submit a claim form here: www.submitaclaim.co.uk/a2tMK2.

Able2Travel also has Facebook and Twitter accounts.

How to find the best cover for you

While policy price should be a key consideration when looking for the best travel insurance deal, certain other factors are equally important.

For instance, you’ll want to make sure you can afford the policy excess – the set sum you’ll be required to pay on any claim you make. Policies usually have a minimum level of excess which you can increase in return for a lower premium.

Also, your policy should have adequate cover levels to meet your requirements.

For example, if you’re planning to hit the slopes while away, you’ll need a policy with winter sports cover. If not included as standard, it may come as an optional extra that you can bolt onto your policy.

Check the cover levels of all sections of your policy. If you’re underinsured, you’ll have to find the money upfront to cover any costs not covered by your policy. Equally, you’ll want to avoid paying a higher premium than necessary for benefits you do not need.

Why it makes sense to compare products and providers

Travel insurers are constantly competing to provide the best deals on the market, so it’s always worth shopping around when you need a new policy, and when an existing policy is due for renewal.

A travel insurance comparison tool like ours sifts through policies for you, and sources the cheapest quotes based on your requirements.