Insurance Republic - Travel Insurance reviews

Insurance Republic specialises in a variety of insurance services, including gadgets, holiday homes and travel insurance. All travel insurance policies sold by Insurance Republic are underwritten by HCC International Insurance.

Insurance Republic

Ranked #52 of 61 Travel Insurance providers based on 106 reviews

Review Score


Quotes our team received:

  • European Travel £8.10
  • Worldwide Travel* £19.80

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Choose from three levels of travel insurance

The table below shows a summary of Insurance Republic’s travel insurance options. Insurance Republic currently provides three levels of cover for their insurance policies, Essentials, Gold and Platinum, which offers a variety of benefits and generous cover. There is a useful guide to the type of benefits featured, below.

There is also a payable excess, which is fixed until the end of the policy. This excess ranges from £0 – £298 depending on your level of cover and the price you choose to pay.

Medical Expenses£12,000,000£16,000,000£20,000,000
Missed Departure£100£250£500
Lost/Stolen Documents£250£250£300
Personal Accident£5,000£10,000£15,000
Personal Liability£1,000,000£1,500,000£2,000,000

Your benefits for travel insurance cover levels

Medical Expenses

If you suffer an accident or fall ill during your holiday, Insurance Republic will cover the cost of your medical bills up to £20,000,000, depending on your level of cover. Please note, Medical Expenses do not cover emergency dental work.


Insurance Republic will cover the unrecoverable travel and accommodations costs of your trip up to £2,000 should you find yourself unable to commence travel or complete the trip.

Personal Belongings

If your personal possessions, including baggage contents and articles worn or carried, are lost, stolen or destroyed, Insurance Republic will cover the cost of of replacements up to £1,500. Please note Gadgets, such as mobile phones, are not covered under this policy, unless you add optional gadget cover.

Legal & Liability
If you suffer personal injury or death whilst travelling abroad, Insurance Republic will cover the cost up to £5,000 as standard. Legal cover is optional and can be removed if deemed unnecessary,

What Type of Policies Do Insurance Republic Offer?

Insurance Republic currently offers two core travel insurance policies, Single and Annual Multi Trip. Each policy comes with a variety of optional add ons to ensure your cover is specifically tailored to your trip.

What countries are not covered by Insurance Republic Travel Insurance?

Insurance Republic 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 Insurance Republic Travel Insurance Cover Pre-Existing Conditions?

Yes. Insurance Republic has partnered with Good-To-Go to make getting travel insurance with a medical condition as easy as possible. For more information, visit

How Long Does It Take to Assess A Claim?

Insurance Republic does not have a time limit for dealing with claims.

About Insurance Republic


Insurance Republic was founded in 2006 with the aim of becoming one of the best insurance providers in the UK. They aim to provide good quality service by putting their customers at the centre of everything they do.

About Insurance Republic Travel Insurance

Insurance Republic provides two travel insurance options, Single and Annual Multi Trip. Each policy comes with three levels of cover and a variety of optional add ons to ensure your travel insurance policy is specifically tailored to your holiday. Optional add ons include pet cover, legal cover, cruise cover and special sports & hazardous activities cover.

Promotions & Offers

Insurance Republic currently offer a 20% discount off any Gold or Platinum Annual Multi Trip policy, if booked online direct. Use promotion code IR20AMT


If you would like to contact Insurance Republic, you can fill in the contact form on their contact page. Visit for more information. You can also call them directly on 0844 482 2821. Lines are open Monday – Friday, 9am – 5pm.

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