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Sherine H

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Review of the Admiral, Travel Insurance:

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A con - Beware

I bought an annual multi-trip cover with Admiral in June 2023. In July, my handbag got stolen in Barcelona. I reported the theft and started a claim, only to find that the wording and classification of the claim is done in such a way to extract multiple 'excess' amounts for each item. It is also cleverly worded to exclude as many items as they can. I gave them every single evidence they asked for, but the classification of items allowed them to deduct the maximum number of excess and apply as many limits as they could. In the end I got a fraction of the claim back after a lot of back and forth with them over a few months. Fast forward to December 2023, I called them as I was travelling to Germany. According to the the policy, I needed to update my health condition in case of any changes and I had had a stent and an angioplasty (heart issue) done. After going through all the medical questions (to which I was totally honest with them), they informed me that my policy was declined and that they would refund the remaining 6 months of the policy. I asked them to decline the medical cover part of the policy or add an exclusion if they wished, but keep the luggage and the rest of the policy going. They, however, insisted on declining the policy and a few minutes later said that they couldn't refund the rest of the policy because I had already claimed on it before. There is stuff I understand and I have dealt with many providers before, but this company is out to get the consumers and should be reviewed by the relevant watchdog. I would give it zero stars if I could. Reviewed on: 29th December 2023

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