aviva travel insurance for existing customers

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Aviva Travel Insurance Review: One Basic Plan to Customize

• Getting a 10% discount for online applications
• Covering insolvency
• Not paying extra for baggage cover

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

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We like that Aviva offers one, basic level of travel insurance, simplifying the purchasing process—this means that consumers don't have to make the (often confusing) choice between different tiers of cover. Unlike most other travel insurance plans, however, Baggage is not included as standard (but can be added for additional cost). With prices in line with market averages, Aviva travel insurance may be a good choice especially if you buy online to secure a 10% online discount—but if you are looking for insolvency cover , you'll need to look elsewhere.

In This Review

• Aviva Travel Insurance Price Comparison

Notable Features

• Policy Limits and Coverage Options
• Comparing Aviva to the Competition

Aviva Travel Insurance Review: What You Need to Know

Aviva travel insurance offers a simple and customizable approach to travel insurance. You can buy either single trip or multi-trip (annual) policies with cover for Cancellation and Emergency Medical, but unfortunately Baggage and Travel Disruption are not included as standard. These features, as well as airspace closure, winter sports, golf, scuba diving and business cover are available to purchase for an extra cost.

Also, note that their standard excess has doubled since before the pandemic, from £50 per person per incident to £100.

Does Aviva Travel Insurance Cover Trips in the UK? Holidays in the UK are covered under Aviva policies, so long as you pre-booked at least 2 consecutive nights of accommodation.

Pre-Existing Conditions: You might get cover with Aviva for pre-existing conditions , but you'll need to disclose and get pre-approval first. Here's when you need to tell Aviva:

• You’ve received advice, medication or treatment for any serious illness, injury or disease in the last 12 months
• You’re waiting for test results for any diagnosed or undiagnosed condition
• You’re planning to stay with someone who has a serious illness, injury or disease

Over 65s: Those over age 65 are eligible for Aviva travel insurance, up to the age of 75 for Annual Multi-Trip policies and 80 for Single Trip policies.

Aviva Travel Insurance Key Points

• One level of cover with add-ons available for an extra cost
• Single-trip cover for trips up to 120 days
• Multi-trip cover for trips up to 31 days (or up to 90 days for an extra charge)
• Upper age limits of 75 for Annual Multi-Trip and 79 for Single Trip
• Optional extras: winter sports, golf, scuba, baggage, airspace closure, travel disruption
• Extended Stay cover available for longer trips
• Insolvency not covered
• Baggage cover not standard but available as an add on
• Prices in line with market averages

Aviva Price Comparison

According to our research, Aviva prices are typically in line with the average cost of travel insurance in the UK marketplace.

While Aviva's basic plans initially appear to be cheap vs. market averages, these basic plans do not include baggage and travel disruption as standard. Therefore we also gathered quotes for plans across geographies (e.g., Europe and America ) including baggage and travel disruption cover. As you can see in the following charts, there is a bit more value found in Aviva's single-trip policies relative to market averages.

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use the following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Cost of Add-On Extras

We've also gathered quotes for annual, worldwide policies across geographies for a 30-year-old single male in order to break down the additional premium you might expect to pay with add-on features such as baggage and travel disruption. If you're considering adding on any extra cover, it can be useful to have a rough idea of expected costs. While quotes are likely to vary according to your particular application details, you can get a general idea of travel insurance add-on costs in the table below.

Aviva travel insurance rates with age

As with all travel insurance, rates for Aviva will rise with age—in particular, once people reach ages 60 to 70. The below chart can give you an idea as to how much Aviva travel insurance rates can change with age. As you can see, it's expected that a 70 year old can easily pay 3X the rate of a 30 year old. And that's if they're healthy. Many 70 year olds will pay an even higher amount, if they have pre-existing conditions.

We've combed through the Policy Documents and noted the following feature highlights. Of course, standard features like Medical and Personal Liability are also included on Aviva policies, limits for which can be found below in the Policies . For more complete details and exclusions, please see the policy documents .

Types of Aviva Travel Insurance Policies

Aviva offers Single and Multi-trip travel insurance with optional extras including Baggage, Winter Sports, Airspace closure (e.g., volcanic ash), Travel Disruption, Extended stay (45, 60 or 90 days), Golf, Scuba and Business cover.

Single Trip: Aviva's Single Trip travel insurance covers trips up to 120 days abroad.

Annual Multi-Trip: Aviva's Annual Multi-Trip policies cover trips abroad up to 31 days in length, for travellers between age 16 and 75. (For an extra cost, you can extend the length of covered holidays up to 90 days).

Here is a highlight of some features on Aviva policies:

Aviva Cover Limits (Single & Annual Multi-Trip)^

^For inner limits please see the Policy Wording

Optional Add-On Extra Cover Limits

Please read some of our Travel Insurance Guides if you're trying to decide between Single Trip or Multi-Trip policies, learn about What May Not be Covered by Travel Insurance or decide if you Need Travel Insurance or Not .

How does Aviva Travel Insurance Compare to Competitors?

To better understand the value of Aviva travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

Aviva Travel Insurance vs AXA Travel Insurance

In our opinion, AXA travel insurance offers solid cover for reasonable prices, offering good value for money. Insolvency, Baggage, Cancellation/Delay/Curtailment and Catastrophe are included on all plans.

Bottom Line: If you really want cover for End Supplier Failure and Baggage included as standard, then AXA might be a more comprehensive travel insurance option for you.

Aviva Travel Insurance vs AA Travel Insurance

AA travel insurance is another provider offering good value. In particular, we like their higher-tier Standard plan as it offers higher limits plus includes Abandonment and Financial Failure, may cover pre-existing conditions and you can add extended Travel Disruption protection. Personal Belongings and baggage are covered on all policies, although cover limits may be too low for some travellers. When purchased online, customers can lock in a 20% online discount for the first year.

Bottom Line: If you want a larger online discount, AA offers 20% off to new customers.

Aviva Travel Insurance vs Holidaysafe Travel Insurance

Holidaysafe offers travellers a vast array of Annual and Single Trip travel insurance plans, with varying cover limits to suit most needs. Prices are very competitive and solid value can be found amongst plans that can be customized to cover your particular activities, such as Sailing, Scuba, Mountain Biking, Motorcycling, Golf, Running & Triathlon, Cycling, Marathon and Winter Sports. The Premier Plus plans come in at market average prices, and include financial failure and natural disaster cover.

Bottom Line: If you're looking for customizable travel insurance cover, Holidaysafe offers many options to get the cover you need.

Other Useful Information

• Aviva Travel Insurance Policy Wording

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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Advertiser Disclosure : NimbleFins is authorised and regulated by the Financial Conduct Authority (FCA), FCA FRN 797621. NimbleFins is a research and data-driven personal finance site. Reviews that appear on this site are based on our own analysis and opinion, with a focus on product features and prices, not service. Some offers that appear on this website are from companies from which NimbleFins receives compensation. This compensation may impact how and where offers appear on this site (for example, the order in which they appear). For more information please see our Advertiser Disclosure . The site may not review or include all companies or all available products. While we use our best endeavours to be comprehensive and up to date with product info, prices and terms may change after we publish, so always check details with the provider. Consumers should ensure they undertake their own due diligence before entering into any agreement.

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• Barclays insurance

Barclays travel and breakdown insurance

Travel and breakdown packs.

Travel Pack

Get cover for £14.50 a month.

Stay protected with worldwide family travel insurance by Aviva, plus RAC complete breakdown cover in the UK and Europe, roadside and at home.

Six-month minimum term –  terms and conditions  apply.

Travel Plus Pack

Get cover for £22.50 a month.

Comes with everything included in our Travel Pack, plus:

• Discounted fast-track security at airports
• Six free airport lounge visits per year with the DragonPass Premier+ app
• 24/7 digital concierge service from Ten to help you plan unforgettable travel, dining and entertainment.

Six-month minimum term –  terms and conditions  apply. 

Breakdown Cover Pack

Get cover for £9 a month.

Get complete peace of mind with RAC UK roadside and at home breakdown cover for you and one other member of your household.

Your travel insurance

You can view frequently asked questions, make a claim, request a call back from Aviva and get proof of travel insurance – all online.

If you’re finding it difficult to get cover for pre-existing medical conditions at a price that’s right for you, you may be able to get cover from a specialist medical insurer instead.

The Government’s MoneyHelper Service provides a directory of specialist insurers that may be able to cover your medical conditions. To access the directory please visit traveldirectory.moneyhelper.org.uk or call 0800 1387 777 

Protect your tech

Get mobile phone and gadget insurance for £14.50 a month with our Tech Pack. It lets you take care of up to four mobile phones and unlimited gadgets, each bought for a maximum, non-discounted price of £1,500. 

Travel insurance documents

If you already have one of our Travel Packs, here’s where you can read your policy documents, and terms and conditions.

Breakdown cover documents

If you already have one of our Travel Packs, here’s where you can read the breakdown insurance summary, and see what is and isn’t included in your policy.

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Premier Worldwide Travel Insurance

Relax with HSBC Premier Worldwide Travel Insurance

Enjoy worldwide travel insurance for you and your loved ones.

Cover is provided by Aviva Insurance Limited. You must complete an application to be covered. Please read the  Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB)  for a summary of terms, conditions, limitations and applicable exclusions.

For the latest coronavirus travel guidance, see  what’s covered under HSBC Travel Insurance .

If you already have Premier Worldwide Travel Insurance, find out how you can manage your policy or make a claim.

Premier Worldwide Travel Insurance is only available to HSBC UK Premier bank account holders. It is not available on savings or other accounts.

What's included

Worldwide cover for you, your partner, your dependent children and grandchildren.

The cover is for you (the HSBC account holder) and your domestic partner - if you're both under 70 years of age on the start date of your trip - and any dependent children or grandchildren travelling with you.

Your children are also covered if they're staying with a close relative, travelling with a relative who's over the age of 23, or going on a school/college trip independently with a teacher.

Children covered by this policy must be under 23. Grandchildren covered by the policy must be under the age of 23 and don’t have to live with you.

All insured persons must be residents of the UK, Channel Islands or Isle of Man.

To be covered for medical claims, you must be registered with a doctor in the UK, Channel Islands or Isle of Man.

Holidays in the UK

Holidays taken in the UK, Channel Islands or Isle of Man are covered if they involve a stay of at least 2 consecutive nights.

They must also have either of the following:

• pre-booked holiday accommodation in commercially-run premises 
• pre-paid bookings on public transport, including flights and ferries

Please see our definition of ‘pre-booked holiday accommodation’ in your policy document.

Business trips

You're covered to travel outside the UK in connection with an insured person’s job to carry out non-manual work such as administrative tasks, meetings and conferences.

We don't cover any claim in connection with an insured person’s job where the trip involves:

• manual or physical work of any kind
• working with children
• providing healthcare, policing, security or military service
• an insured person’s role as a politician, religious leader, professional entertainer or sportsperson

While this isn’t a specific cruise policy, cruises are covered as standard since they're simply another type of holiday. However, there is no cover for some items that cruise policies may specifically cover, e.g. missed ports, unused excursions, and change of itinerary.

Medical conditions

You'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you, or any insured person, has in the last 12 months, experienced any of the following for a condition not on the accepted conditions list in your policy wording: 

• been prescribed medication, including newly prescribed or repeat medication
• received or is awaiting medical treatment, tests or investigations
• been referred to, or is under the care of, a specialist/consultant
• been admitted to hospital or had surgery

You must also tell us if any of the above happen regarding conditions you have already declared, if there are any changes to prescribed medication or if any of the conditions deteriorate.

All pre-existing medical conditions must be on the 'accepted conditions' list in your policy wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

What's not covered

Pre-existing conditions.

Pre-existing conditions are not covered at any time under the policy unless listed on the accepted conditions list, or were disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline. You may be able to get cover for these from a specialist insurer. MoneyHelper has a list of these insurers – you can check its travel directory or call  0800 138 7777 .

Undiagnosed symptoms

Undiagnosed symptoms are not covered. There is no cover for any claim where you knew that you or your travelling companion may be unable to travel or may need to come home early at the time you opened your HSBC Premier Account or booked your trip (whichever is later). For example, if one of you fell ill.

Things to know

Are you eligible for premier worldwide travel insurance.

Please ensure you can answer yes to the following questions:

Do you hold an HSBC Premier account?

Are you under 70 years of age?

Are you resident in the UK?

• Are any dependent children/grandchildren under 23 years of age, on the start date of the trip?  

Your application must have been accepted by HSBC for cover to apply.

When does the cover start and end?

Cover starts from the date your travel insurance application is accepted. It remains in place until the account is closed, its converted to a different account, you cancel your policy, or you are no longer eligible for cover – whichever is sooner.

How to make a claim

For details of how and when to make a claim, please visit our travel Insurance claims page.

Make a travel insurance claim

Policy documents

• Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) Download
• HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits), and HSBC Premier Accounts (PDF, 528KB) HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits), and HSBC Premier Accounts (PDF, 528KB) Download
• Privacy Notice (PDF, 160KB) Privacy Notice (PDF, 160KB) Download
• Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Download

How do I find out if I already have travel insurance with my HSBC bank account? 

Premier Travel Insurance is available to HSBC UK Premier customers only. That means customers with an HSBC Premier bank account, an HSBC Premier (retained Jade Benefits) or an HSBC Private Banking account.

HSBC UK Premier customers:   You should have travel insurance with your account if you're under 70, are resident in the UK and have successfully completed an application

HSBC Premier (retained Jade Benefits) or an HSBC Private Banking customers:   You should have travel insurance with your account if you're under 80, are resident in the UK and  have successfully completed an application.

You can request confirmation of your travel insurance on Aviva's website at  aviva.co.uk/hsbctravelproof

Do you need to notify us before you use your HSBC debit or credit card outside the UK? 

No, you no longer need to notify us before you travel. To find out more about managing your money whilst you travel, see  using your card abroad .

I've lost my invitation to apply for HSBC Premier Travel Insurance. How do I apply? 

Call us on 03457 70 70 70 . We'll provide you with the link to apply once we've verified your account information.

Our lines are open 08:00 to 20:00 every day.

Do I have to apply for HSBC Premier Travel Insurance at the same time as I open my bank account? 

No. You can apply at any time as long as you meet the eligibility criteria and hold a Premier account.

You can call us on 03457 70 70 70 and we'll provide you with the link to apply.

You won't be covered if you don't complete a successful application.

Can I get help to complete my application for HSBC Premier Travel Insurance? 

If you need help, please call us on 03457 70 70 70 to make an appointment for a member of our team to complete the application with you over the phone.

I have a joint account. Can I complete the application for HSBC Premier Travel Insurance for both of us? 

Yes, although only one account holder should complete the application. If you don’t have permission to provide the other account holder’s details, you won’t be able to complete the application online and will need to call us on 03457 70 70 70 to book an appointment (for which both account holders will need to be available). Our lines are open 08:00 to 20:00 every day. 

When can my HSBC Premier Travel Insurance cover start? 

Assuming you're eligible, your cover will start as soon as you submit your application. 

When will I receive my HSBC Premier Travel Insurance policy documents? 

It can take up to a week to process your application and issue your welcome pack and policy documents. If you'd like to review your policy documents now, you can find them in the insurance section at hsbc.co.uk/legal . 

How can I get written confirmation I am covered by HSBC Premier Travel Insurance? 

If you need confirmation of your cover, you can request it on Aviva's website . If you applied for cover in the past 7 days, please call us on 03457 70 70 70 .

My HSBC Premier Travel Insurance mentions restricted cover. What does this mean? 

If your recent HSBC Worldwide Travel Insurance application displayed a restricted cover decision, this is because you, or someone to be covered by the policy, is either:

• not registered with a doctor in the UK; and/or
• has a pre-existing medical condition

There is no cover for any medical claims for anyone not registered with a doctor in the UK.

To change this please register with a doctor in the UK. Once registered, please read the ‘Your Health’ section in your Policy Wording for full details of when and what you must declare.

Anyone with a pre-existing medical condition not shown on the ‘Accepted conditions’ list in your Policy Wording will need to complete a screening. To do this please call the Medical Risk Assessment Team on 0800 051 7457 . There is no cover for any pre-existing medical conditions until this has been completed.

Explore more

See all insurance options, things to consider when booking a holiday, how to make an insurance claim, customer support.

Help, I need proof of my travel insurance

We have made it easy for you to get your personalised proof of travel insurance (also known as a “confirmation of cover”). You will first need to select the type of AVA you hold with us and then with a few simple steps you will receive your proof of your travel insurance by email. On occasions you may require this proof for Visa appointments, Cruise holidays or even to provide to your tour operator.

Click  here  to get your letter.

Once you have submitted the form you should receive an email containing proof of travel insurance within a few minutes. If we are unable to process your request, for some reason e.g. mismatched data, we will contact you. To prevent this from happening, please carefully check the details you input.

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