Co Op - Travel Insurance reviews

The Co-operative Insurance Company Limited was formed in 1876 to provide fire insurance. Since then, Co-op Insurance has grown to provide a range of insurance services, including Home, Motor, Pet, Business and Travel.

Co Op

Ranked #50 of 61 Travel Insurance providers based on 506 reviews

Review Score


Quotes our team received:

  • European Travel £23.35
  • Worldwide Travel* £42.71

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Choose from three levels of travel insurance

The table below shows a summary of Co Op’s travel insurance cover levels. Co Op travel insurance options include Bronze, Silver and Gold, with each option containing generous cover and optional benefits. There is a useful guide to the types of benefits featured below.

There is also a payable excess, which is fixed until the end of the policy. This ranges from £100 – £50 depending on your level of cover and is payable per claim, unless stated otherwise. For more information, visit

Medical ExpensesUnlimitedUnlimitedUnlimited
Hospital Benefit£10 per day£20 per day£25 per day
Missed DepartureX£500£750
End Supplier Failure£1,000£2,500£5,000
Lost/Stolen Documents£300£400£500
Personal Accident£10,000£15,000£20,000
Personal Liability£1,000,000£2,000,000£2,000,000

Your benefits for travel insurance cover levels

Medical Expenses

Unlike other travel insurance providers, Co Op have unlimited medical expenses cover across all of its products. This covers injury, illness or serious accidents.Restrictions and exclusions apply. For more information, see the policy documents

Emergency Dental Work

If you need emergency dental work whilst holidaying abroad, Co Op will cover the cost up to £450, depending on your level of cover.


If your baggage is lost, stolen or damaged during your travels, Co Op will cover the cost of replacing your items up to £3,000, depending on your level of cover.

Cancellation or Curtailment

If you have to cancel or cut your holiday short due to the reasons stated within your policy documents, Co Op will cover the unrecoverable holiday cost up to £5,000.

What Type Of Policies Do Co-Op Offer?

Co Op offer three travel insurance policies, Single, Annual and Backpacker.

What countries are not covered by Co-Op?


Co Op will not provide cover for countries or areas which the Foreign and Commonwealth Office (FCO) has advised against all travel to. This also includes areas with ‘advised against all but essential travel’. To check your destination’s FCO advice, visit



Does Co-Op Cover Pre-Existing Conditions?

Yes. Co Op Travel and ROCK Insurance have partnered with to offer travel insurance with cover for pre-existing conditions. You will need to declare all of your conditions using the online medical screening service or calling Co Ops agents directly.

How Long Does It Take To Assess A Claim?

Co Op have no time limit for dealing with claims.

About Co-Op

Co-op Insurance and Co-op Insurance Services belong to the Co-op Group, one of the world’s largest consumer co-operatives, owned by millions of its members. With clear financial and operational objectives, the group is a recognised leader for its social goals and community-led programmes.

About Co-Op

Co Op is currently offers three travel insurance policies, Single, Annual and Backpacker. Each policy comes with competitive benefits such as free kids cover, homecare and an online doctor. There is also optional add ons to choose from, including Cruise and Winter Sports cover, so your policy fully covers your trip.

Co-Op Contact Info

Insurance from Co-op Insurance Services is provided, underwritten and administered by Allianz Insurance plc. Registered in England No. 84638. Registered Office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 121849. Co-op Insurance Services is a trading name of Co-op Insurance Services Limited. Co-op Insurance Services Limited is not part of the Allianz (UK) Group.

Promotions and Offers

Co Op currently has no offers or promotions.


To get a quote, you can call Co Op’s sales department on 0330 400 1626. Lines are open 9am to 10pm, Monday – Friday and 9am to 5:30pm, Saturday to Sunday. For non emergency claims, you can call 020 3362 2451. Lines are open 9am – 5pm, Monday to Friday. The emergency medical claims line is open 24 hours a day and can be contacted on 020 3362 2451.

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