If you’re planning a trip, having travel insurance can give you peace of mind knowing that you’re covered in case anything goes wrong. John Lewis Travel Insurance is one option worth considering, as it offers a range of policies that can meet the needs of different travelers. In this article, we’ll review John Lewis Travel Insurance and help you decide if it’s the right option for you.
Table of Contents
Overview of John Lewis Travel Insurance
John Lewis Travel Insurance offers a range of policies to suit different travelers, including single trip insurance, annual multi-trip insurance, and long stay insurance. Policies are available for individuals, couples, and families, and you can choose from several levels of cover to suit your budget and needs.
One of the standout features of John Lewis Travel Insurance is that it covers a wide range of activities as standard, including winter sports, golf, and scuba diving. This can be a major advantage if you’re planning an adventure holiday or if you have specific activities you want to participate in while you’re away.
Policies can be purchased online or over the phone, and the company offers 24/7 emergency assistance if you need help while you’re traveling. You can also make a claim online or over the phone, making the claims process as easy as possible.
Let’s take a closer look at some of the features of John Lewis Travel Insurance policies.
Policy Features
John Lewis Travel Insurance offers three levels of cover:
Bronze: This is the basic level of cover and is designed for budget-conscious travelers. It includes medical expenses, cancellation and curtailment cover, personal liability, and personal accident cover.
Silver: This level of cover includes all the benefits of the Bronze policy, plus additional benefits such as baggage cover, delayed departure, and travel delay cover.
Gold: This is the highest level of cover and includes all the benefits of the Silver policy, plus additional benefits such as trip abandonment, missed departure, and cruise cover.
All policies offer cover for a wide range of activities as standard, including winter sports, golf, and scuba diving. This means you don’t have to pay extra to be covered for these activities, which can save you money compared to other travel insurance policies.
In addition to these standard features, John Lewis Travel Insurance policies offer a range of optional extras. These include:
Excess waiver: This option allows you to reduce or eliminate the excess you have to pay if you make a claim.
Gadget cover: This option covers your electronic devices such as smartphones, laptops, and tablets.
Sports and activities cover: This option provides additional cover for activities such as bungee jumping, paragliding, and jet skiing.
Winter sports cover: This option provides additional cover for skiing, snowboarding, and other winter sports.
Golf cover: This option provides additional cover for golf equipment and green fees.
Cruise cover: This option provides additional cover for cruises, including missed port departure and cabin confinement.
In addition to these optional extras, John Lewis Travel Insurance policies also include a range of benefits as standard. These include:
24/7 emergency assistance: If you need help while you’re traveling, you can call John Lewis Travel Insurance’s emergency assistance team, who are available 24/7.
Medical expenses cover: All policies include cover for medical expenses, including emergency medical treatment, hospital stays, and repatriation.
Cancellation and curtailment cover: All policies include cover for cancellation or curtailment of your trip due to unforeseen circumstances.
Personal liability cover: All policies include cover for personal liability in case you cause damage to someone else’s property or injure someone.
Personal accident cover: All policies include cover for accidental injury, disability, or death.
Legal expenses cover: All policies include cover for legal expenses incurred while you’re traveling.
Pricing
The cost of John Lewis Travel Insurance policies varies depending on several factors, including your age, destination, and the level of cover you choose. As with most travel insurance policies, the cost can be higher if you have pre-existing medical conditions or if you’re planning on participating in higher risk activities.
To give you an idea of pricing, here are some sample quotes for a 10-day trip to Europe for a 35-year-old individual:
Bronze: £9.80
Silver: £16.10
Gold: £19.90
These prices are competitive compared to other travel insurance providers and offer good value for the level of cover provided.
Pros and Cons
Pros:
1. Covers a wide range of activities as standard, including winter sports, golf, and scuba diving.
2. Offers a range of policies to suit different travelers, including single trip insurance, annual multi-trip insurance, and long stay insurance.
3. Offers a range of optional extras to tailor your policy to your specific needs.
4. Provides 24/7 emergency assistance if you need help while you’re traveling.
5. Has a straightforward claims process, with claims able to be made online or over the phone.
Cons:
1. The basic level of cover (Bronze) is limited compared to other providers.
2. Some optional extras can be quite expensive, such as sports and activities cover.
3. There are restrictions on coverage for pre-existing medical conditions.
Conclusion
Overall, John Lewis Travel Insurance is a solid option for travelers who want good value for money and a range of policy options to choose from. The company’s coverage of a wide range of activities as standard is a major advantage, as it can save you money compared to other providers that charge extra for these activities.
However, the basic level of cover (Bronze) may not be sufficient for some travelers, and some optional extras can be quite expensive. Additionally, if you have pre-existing medical conditions, you’ll need to check the policy carefully to ensure you’re adequately covered.
Ultimately, if you’re looking for a reliable travel insurance provider with a range of policy options and good value for money, John Lewis Travel Insurance is worth considering. Just be sure to review the policy carefully and consider any optional extras that may be necessary for your trip.
