Aviva Travel Insurance is a type of protection that you need before your next trip. It helps cover costs if things go wrong during your travels, like if you get sick, some mishaps take place or you lose your belongings. It’s like a safety net when you go for a vacation. What’s best is the insurance is pretty affordable and when you book it online you may get to save up to 10% on your total amount.
What Does Aviva Offer?
Aviva is a big and well-established insurance company in the UK with a long history, serving millions of customers for over 300 years. Aviva makes things easy by offering just one type of travel insurance. You don’t have to pick between different levels of coverage, which can be confusing. Their travel insurance is available for both single trips and year-round protection, and it can cover up to eight family members on a single policy.
Pros and Cons of Aviva Travel Insurance
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Aviva Travel Insurance Main Pointers
- Aviva offers one level of coverage, and you can add extra options for more protection.
- You can get single-trip coverage for trips up to 120 days.
- Multi-trip coverage is available for trips up to 31 days, and you can extend it to 90 days with an added cost.
- The maximum age for annual multi-trip coverage is 75, and for single trips, it’s 79.
- You can choose optional extras like winter sports, golf, scuba, baggage, airspace closure, and travel disruption.
- If you’re planning a longer trip, there’s extended stay coverage available.
- Aviva doesn’t cover insolvency.
- Basic baggage coverage is not included but can be added for an extra fee.
- Aviva’s prices are similar to what others in the market offer.
Types of Aviva Travel Insurance Policies
Unlike some travel insurance companies that offer different coverage tiers, Aviva keeps it simple. You decide between single or annual trip coverage, and then you can add on extras like winter sports or golf if you want. These optional add-ons encompass Baggage, Winter Sports, Airspace closure, Golf, and more covers. It’s your choice whether you go for a single trip or an annual plan.
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Single Trip
If you’re taking a family trip or a short vacation, Aviva’s policy is a good choice. It covers trips up to 120 days, even in the UK if they last two days or more. You’re protected if you have to cancel due to unexpected events like surgery, up to £5,000. You need to be between 16 and 79 years old to get this policy.
It includes up to £10 million for medical and dental care, and you’ll be flown home if you’re seriously ill. You also get up to £500 for lost or stolen money, and you can cover up to 8 family members or friends. And there’s a 24/7 medical emergency helpline for help.
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Annual Multi-Trip
If you’re going on several trips in a year, Aviva’s annual policy is a smart choice. It saves you money and the hassle of buying insurance separately for each trip. With Aviva’s annual coverage, you get benefits like up to £5,000 for cancelling a trip due to serious unexpected issues, up to £10 million for emergency medical and dental care, and coverage for lost or stolen money up to £500.
You can also cover up to 8 family members in your policy and it covers you for up to 31 days abroad, and you can extend it up to 90 days if you’re on a longer trip, like a gap year. They even have a 24/7 emergency helpline too.
Additional Coverage Options Offered by Aviva
Apart from Single and Annual Multi-Trip policies, you can get coverage for various activities like golf, cruise, and more.
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Baggage
For an additional fee, you have the option to enhance your coverage, providing protection for lost or damaged baggage, with a total coverage limit of £1,500. Each person is subject to a £100 excess, and there’s a maximum limit of £400 for individual items and valuable possessions.
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Golf Cover
A golf policy from Aviva ensures your golfing experience remains stress-free and enjoyable. It covers your clubs and equipment for up to £1,500 if they are lost or damaged, provides assistance of up to £250 for renting equipment in case of loss, and offers refunds for prepaid green fees if you’re unable to play due to illness or injury, allowing you to focus on the game and leave worries behind.
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Scuba Diving
Aviva’s travel policy contains coverage for up to 5 dives, and these dives can go as deep as 15 metres, no more than that. If you want to go beyond this depth, you have to buy an add-on coverage that will let you go for the extensive diving activities. This extended coverage will stay valid for 21 days, so you can easily do a number of diving sessions on your month-long trip.
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Cruise Cover
Cruises are fantastic for exploring the world, and having insurance provides peace of mind in case of any unexpected troubles. Aviva’s standard single and annual trip policies include coverage for replacing lost or misplaced personal items and essential documents like your passport, ensuring you’re protected during your cruise adventure.
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Winter Sports Cover
Thinking of hitting the slopes? Enjoy skiing and winter sports without worrying about accidents. Aviva’s winter travel insurance has you covered. It helps with lost or damaged equipment up to £500, delays due to avalanches up to £200, piste closures up to £300, and even if you can’t ski because of illness or injury up to £200. It’s peace of mind for your winter adventure.
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Travel Disruption
You can choose to add extra coverage for trip cancellation and interruption expenses, offering up to £5,000 in protection with a £100 excess per person. This coverage includes benefits for flight delays, strikes, severe weather, FCO travel advisories, food poisoning, pandemics, and damage to your holiday accommodation. Please note that coverage won’t apply if such advisories or measures were in place when you purchased your policy or booked your trip.
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Worldwide Cover
If you’re going on a trip far from your country, it’s important to get worldwide coverage in your insurance. This may cost a bit more, but it’s worth it to avoid high foreign healthcare costs. Aviva’s policy offers coverage outside of Europe, emergency repatriation support, financial protection for medical treatment abroad, a 24/7 medical emergency helpline, and coverage for lost or stolen money.
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Airspace Closure Cover
Aviva’s travel insurance covers you if the airspace or airport you’re planning to use is closed, offering extended cancellation protection up to £5,000 and extended stay abroad coverage up to £1,500. However, to make a successful claim, you’ll need to provide receipts. It’s important to note that there is no protection if you knowingly booked flights when you were aware the airspace or airport would be inaccessible.
Comparing Cost Estimation of Single and Annual Multi-Trips by Aviva
Comparing Aviva quotes for different travel scenarios, here are the prices for single trip and annual multi-trip coverage to France and the United States-
Coverages | Single Trip | Annual Multi-Trip |
Basic cover, no extra | France- £29
US- £86 |
France- £57
US- £91 |
With Baggage | France- £36
US- £93 |
France- £57
US- £91 |
With Travel Disruption | France- £38
US- £95 |
France- £83
US- £117 |
With Baggage, Airspace Closure, and Travel Disruption | France- £57
US- £114 |
France- £104
US- £139 |
Aviva Travel Insurance Claims Process
For non-emergency claims, the most convenient method is using the Aviva website. Simply, keep these documents ready and follow the process-
- Find your policy number from the MyAviva app along with all the required details that you need to make a claim.
- This information includes- personal information, details of other individuals covered by the policy, and information about your trip like travel dates, airline, and cancellation documents.
- When it comes to availing medical emergencies when you are abroad, just call the Aviva helpline at +44 1603 208 044. For non-urgent inquiries, you can call +44 1603 603 716.
Also Read: What is Travel Insurance and Why Do You Need One?
Conclusion
Aviva offers a range of travel insurance options to suit diverse needs. Whether you’re planning a single trip or travel frequently throughout the year, their coverage can provide peace of mind. To determine the best choice, consider your travel habits and the specific protection you require. Aviva’s flexibility and optional add-ons allow you to tailor your coverage to fit your travel adventures. For more information, visit Tripreviewhub.