Virgin Money Travel Insurance

Virgin Money offers 5-star rated travel insurance with a range of policy add-ons available so you can tailor your policy to suit your needs. It covers travellers up to 80 years old, and those with pre-existing medical conditions.

To find out more about what Virgin Money travel insurance covers, read on. Or, if you're ready, click 'Get a quote' to compare prices and policies.

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Why choose Virgin Money travel Insurance?

  • Silver and Gold policies are rated 5-stars by Defaqto
  • 24/7 worldwide medical assistance
  • Easily manage your policy with the Virgin Money online portal

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Who is Virgin Money?

Virgin Money was established in 1995 by Richard Branson. Since then, its operations have expanded across the world. Virgin Money currently offers insurance, credit cards, personal loans, and mortgages, among other personal finance products.

Virgin Money offers 3 levels of travel insurance: Red, Silver, and Gold. Its Silver and Gold policies are rated 5-stars by Defaqto.

Who underwrites Virgin Money travel insurance?

Virgin Money travel insurance is underwritten by ERGO Travel Insurance Service Ltd (ETI), authorised and regulated by the Financial Conduct Authority (FCA) (firm reference no. 805870).

Virgin Money travel insurance policy details

Virgin Money offers 3 levels of travel insurance. We recommend checking policy details before buying travel insurance to ensure you have the cover you need. Exactly what's covered depends on your personal circumstances. Here's what could be covered based on the level you choose*:

Red

  • Up to £10m emergency medical treatment and repatriation
  • Up to £3,000 cancellation cover
  • Up to £3,000 curtailment cover
  • Personal accident cover
  • Up to £1,250 personal possessions cover
  • Up to £2m personal liability cover
  • Up to £25,000 in legal expenses cover
  • Up to £500 for missed departures

Silver

  • Up to £12.5m emergency medical treatment and repatriation
  • Up to £5,000 cancellation cover
  • Up to £5,000 curtailment cover
  • Personal accident cover
  • Up to £2,000 personal possessions cover
  • Up to £2m personal liability cover
  • Up to £25,000 in legal expenses cover
  • Up to £1,000 for missed departures

Gold

  • Up to £15m emergency medical treatment and repatriation
  • Up to £7,500 cancellation cover
  • Up to £7,500 curtailment cover
  • Personal accident cover
  • Up to £3,000 personal possessions cover
  • Up to £2m personal liability cover
  • Up to £25,000 in legal expenses cover
  • Up to £1,500 for missed departures

*Correct as of May 2024

Can I get Virgin Money travel insurance if I have a pre-existing medical condition?

Yes, Virgin Money offers travel insurance for pre-existing medical conditions. Just remember to declare any conditions when you buy your insurance. If you don't, your policy will be invalid and any claims you've made might be rejected.

Virgin Money covers most pre-existing conditions. If you have a serious condition, or multiple conditions, you might not be able to buy travel insurance from Virgin Money. You can still use our site to get quotes from other insurers. But, if you can't find suitable cover, the Money and Pensions Service (MaPS) has a directory of insurers willing to cover customers with pre-existing conditions. You can also call them on 0800 138 7777 for free, impartial advice.

If you're diagnosed with a health condition after buying your insurance, you should notify Virgin Money travel insurance by phoning . This means your policy can be updated to offer you the cover you need.

Virgin Money travel insurance optional extras

Virgin Money offers a range of optional extras that you can add to your policy for an extra cost. These include:

Gadget cover

You can add enhanced gadget cover to your travel insurance for an extra cost. You can choose from £1,000, £2,000, or £3,000 cover. This protects you against accidental damage, loss or theft of your gadgets, like your phone.

Cruise cover

Cruise cover insures against circumstances like missed ports, interruptions or unused excursions. You can add it to your Virgin Money travel insurance for an added cost. The amount you're covered for depends on the level of travel insurance you choose.

Winter sports insurance

If you're planning any winter sports, like skiing, during your trip, you might need winter sports cover to make sure you're covered in case of injury, piste closure or avalanche, among others. The amount of cover you get depends on the policy level you buy.

Car hire excess

Car hire excess covers you for damage to your rental car. You can add this to your travel insurance for an added cost. The amount you're covered for is the same regardless of the level of travel insurance you buy.

How do I claim on my Virgin Money travel insurance?

If you need to claim on your travel insurance, you can do so by logging into the customer portal on the Virgin Money website.

If you can't access this, you can phone 01403 788 701. Lines are open 9am-5pm, Monday-Friday. Alternatively, you can email info@scal.co.uk.

It's important to have your policy number and details of your claim ready. You should also keep any evidence of your claim, such as medical bills or receipts.

Contact Virgin Money travel insurance

If you need to contact Virgin Money travel insurance, you can phone 0330 175 8283. Lines are open 9am-5pm, Monday-Friday. They also have a live chat function on their website.

Virgin Money is authorised and regulated by the FCA (firm reference no. 179271). Its registered address is:

Jubilee House,
Gosforth,
Newcastle-upon-Tyne,
Tyne and Wear,
NE3 4PL

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1Correct as of July 2024