Pick from three levels of cover
Lowest cost policy, £100 excess payable (per person) for each claim you make.
£75 excess payable (per person) for each claim you make.
Highest level of cover, £50 excess payable (per person) for each claim you make.
|Included in this cover||Red||Silver||Gold|
|Medical expensesWe pay up to the amount specified for emergency medical treatment and ambulance costs as well as your journey home, if it's medically necessary.||£10,000,000||£12,500,000||£15,000,000|
|Cancellation or cutting short your tripIf your trip is cancelled or cut short, we will pay up to the amount specified for travel and accommodation costs you can't recover.||£3,000||£5,000||£7,500|
|BaggageWe will pay up to the amount specified if your baggage or personal belongings are lost, damaged or stolen. Please note, we will take wear and tear and the decrease in value over time into account when we value your claim.||£1,250||£2,000||£3,000|
|Personal moneyWe will pay up to the amount specified if your personal money is lost or stolen.||£500||£750||£1,000|
|GadgetsGadgets can be any of the following items: Mobile phones, tablets, laptops and PC’s (including custom built), digital cameras, PC monitors, MP3 players, games consoles, video cameras, camera lenses, bluetooth headsets, satellite navigation devices, PDAs, e-readers, head/earphones, portable health monitoring devices (such as a blood glucose or blood pressure testing kit), wearable technology (such as a smart watch or a health and fitness tracker).||£500||£500||£750|
|Missed departureWe will pay up to the amount specified for additional travel or accommodation costs if you miss your outward or return journey home.||£500||£1,000||£1,500|
|Scheduled airline failureThis covers any unrecoverable costs of flights you have booked direct with an airline should they go out of business.||£2,500||£2,500||£2,500|
|ExcessThe excess is the amount you pay towards a claim.|
Note: you may still have to pay an increased medical excess if you claim because of an undeclared medical condition or sports/leisure activity. You cannot change your excess level, but you can change product levels.
The excess applies to each person claiming, to each incident and to each section of the policy.
Pre-existing medical condition?
We cover most medical conditions at any age, but if you have a condition that means you pay significantly more for your insurance, it may be worth speaking to a specialist provider to compare quotes.
Visit the MoneyHelper Directory of Specialist Insurance Providers or call 0800 138 7777 for more information.MoneyHelper Directory of Specialist Insurance Providers Link opens in a new window
Five star cover
Our product features and benefits have been independently rated by the experts at Defaqto and our Silver and Gold products have been rated 5 star.
Why choose Virgin Money?
- Covid cover as standard*
- Cancellation cover if you’re diagnosed with Covid-19 in the 14 days before your booked departure date, plus cover for emergency medical treatment and repatriation if you contract Covid-19 while abroad.
- 24/7 worldwide medical assistance
- Whenever and wherever you need us, help is just a phone call away.
- Your policy at your fingertips
- Make a claim, update your details, renew – and more – thanks to our handy new online portal.
- Optional cover for the extras too
- Choose from our optional extras to cover your gadgets, cruise, winter sports or car hire excess (fees apply).
*Please check your policy wording for full details and any exclusions.
Fancy a chat?
If you would prefer to speak to someone, please give us a call.
Call us on
0330 175 8283
We're here from 9am to 5pm Monday to Friday. Closed Saturday, Sunday and Bank Holidays.
|03 numbers||Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.|
|084 numbers||Maximum of 7p per minute, plus your phone company's access charge.|
|087 numbers||Maximum of 13p per minute, plus your phone company's access charge.|
|0800 numbers||Free from UK landlines and personal mobile phones.|
Calls may be monitored or recorded.
Emergency medical assistance
Our experts are just a phone call away.
How to make a claim
If you need to make a claim, here’s everything you need to know.
See exactly what cover your policy provides and how much you can claim for.
Questions and answers
View our most frequently asked questions about travel insurance.
Virgin Money Travel Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 305065 and administered by Hood Travel Limited, registered in England No. 08318836 at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211. The core elements of Virgin Money Travel Insurance are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). The Underwriter is Great Lakes Insurance SE (GLISE). GLISE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. GLISE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.