Underwritten by:

Userbility / Efficient use of time

• Free online quotes for annual travel insurance which each take around three minutes
• Product disclosure booklet attached for you to comb through the finer details
• Friendly customer service team to answer any queries
• The quoting process can be unforgiving at times if mistakes are made - you have to start again rather than making changes and moving onto the next page
• Email address necessary to purchase

Flexibility

• Call centre open weekdays (but not in the weekend)
• 24 hour emergency help line for those insured by Columbus
• Only covers those aged 64 and under (except for Oz & NZ travel that insures up to 85 years)
• The opportunity to extend policy once while overseas
• 19 days to cancel insurance providing no claims have been made, have not commenced trip and written confirmation has been received
• Family members can travel seperately providing each of their names are provided on the family annual trip policy

Value for money

• No option to remove excess which is considerably high
• Watch for the exclusions / additions. Other companies automatically include action / adventure in their policy cover, with the opportunity to remove the excess
• Pre-existing medical conditions not included in policy
• Not covered for the first 12 hours of travel delay
• Cover for an unlimited number of trips during the course of a year, providing each trip is no longer than 60 days
• Discounts for groups of 10 or more. You organise this over the phone
• Reduction in unnecessary overheads normally associated with travel insurance
• Check through their online quoting system whether this is better value than purchasing insurance every time you travel over the course of a year
• Cover can include family members and partners - and each person insured under the policy is able to travel alone

Financial stability

• Underwritten by Lloyds

Security of site

• Secure online purchasing where personal information is encrypted