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Virgin Money: Travel insurance reviews

Name: Travel insurance
Rating: 2.17 (112 reviews)

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2.17

Based on 112 reviews, last reviewed 6th Oct 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

22%

68%

Latest highest rating:

5

Points Earned Toward Future Travel. Points earned towards future travel, converted to a discount. Good system, the points are good value. Reviewed on: 20th August 2026

Latest lowest rating:

1

Waste of time the system is down so they cant help y... Waste of time the system is down so they cant help you so ring back tomorrow. Absolute pathetic Reviewed on: 6th October 2026

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About this product

Virgin Money travel insurance is available for annual multi-trip or a single trip.

Virgin Money offer three levels of travel insurance. Red is the lowest cost policy with a £100 excess per person. Silver is mid-range and has an excess of £75 per person. Gold is the highest cover level with £50 excess per person.

Virgin Money travel insurance reviews help you find out what it’s really like to be a customer. If you’ve used Virgin Money before, you can also leave a review and share your experience.

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Virgin Money Travel insurance reviews (112)

Waste of time the system is down so they cant help y...

Waste of time the system is down so they cant help you so ring back tomorrow. Absolute pathetic Reviewed on: 6th October 2026

Points Earned Toward Future Travel.

Points earned towards future travel, converted to a discount. Good system, the points are good value. Reviewed on: 20th August 2026

Awaiting response!

Have a multi trip annual policy which I have never needed to use abroad thankfully. However having booked and paid for a two night break which I had to cancel as I had sciatica, I contacted Virgin by the email address given. Contact was made early May, now at the end of July and no response!! Definitely won’t be using Virgin again Reviewed on: 28th July 2026

Smashed phone, no help

Husband dropped phone totally not working and cracked screen could not access it. Rang virgin they wanted paperwork from when we bought phone. It was years ago, who keeps that stuff. Made it really difficult to claim, so gave up which is what they probably wanted. Very poor. Reviewed on: 12th June 2026

Purchased Virgin Travel Insurance in good faith.

Purchased Virgin Travel Insurance in good faith. WHen our luggage was lost on a Jet2 flight from Geneva, we made a claim only to find out that the coverage was handled by ERGO. ERGO is a typical faceless insurance company whose sole aim seems to be to deny claims. They are constantly busy, take 3 weeks between claim and responding - then list reasons why you won't get paid. Any valuables in your hold luggage are not covered apparently. Hidden in the small print. So forget anything of value. They demand receipts for anything you are claiming for. Who keeps receipts for anything they have bought years before? The whole thing smacks of a scam. Forget taking travel insurance, particularly from a company that farms it out to faceless corporations whose aim is to deny the claim. It is literally throwing money down the drain. All in my personal opinion. Reviewed on: 19th February 2026

Disappointing experience with claims department.

I have had three annual travel policies and three policies specifically for cruises. Until this time I had never needed to make a claim. On our cruise this year we missed a port, so I contacted Virgin to see if we were covered. They advised me I was but needed to contact Ergo travel as they handle claims on behalf of Virgin. A missed port is a very simple claim, as proof is provided by the cruise operator. The claim process was far from simple. A great deal of information was required but I submitted everything they asked for. Email confirmed they would reply in 20 working days, they didn’t. Chased and received what I feel was a rude reply. Called customer services who said they couldn’t help. Not sure what their purpose is then? Suggested I make a complaint if I was unsatisfied. I did. My complaint was upheld and I received £50 compensation. My claim was then denied and when I asked for an explanation had to wait ages again. This has taken over three months to be dealt with. I feel you don’t really know how good your insurance company is until you need to make a claim. On the basis of my experience I will definitely not be renewing with Virgin money. Reviewed on: 20th December 2025

Sent in claim it got returned no explanation, after...

Sent in claim it got returned no explanation, after hrs trying to contact them on the phone was told they couldn’t help, went on the app no help at all do not use this company Reviewed on: 18th December 2025

Virgin and AIG insurance contact now almost useless

Contacted AIG to renew 2025 and put through to someone who could not speak decent English, had no idea of insurance. Computer generated answers which were unintelligible. No idea what the person was saying and just quoting off a computer screen. Probably will need to move from Virgin and try another. Reviewed on: 17th November 2025

Avoid Virgin/Ergo holiday insurance

My flight was cancelled and the holiday insurance did not pay out. Virgin outsource holiday insurance to Ergo. Ergo hide behind the small print to avoid paying out. A normal consumer would expect a cancelled flight to be covered but not Virgin/Ergo Reviewed on: 22nd August 2025

I recently took out cruise cover which cost £180,alo...

I recently took out cruise cover which cost £180,alongside my existing travel insurance. Our flight from London Heathrow was cancelled along with "ALL" airlines due to a fire at an electrical substation. We had a cruise booked out of New York the following day, unable to reach N.Y.from Heathrow,we caught a eurstar train to Paris to see if we could catch a flight from there,but everything was fully booked,resulting us staying in Paris and missing our cruise.We informed Virgin Insurance and they are not interested,as you are only covered for 3 things,industrial action, adverse weather and a vehicle breakdown on the way to the airport. They classed the fire as a catastrophe and guess what... your not covered for catastrophies !!! I would never use this company or reckoned anyone else use them. Reviewed on: 28th July 2025

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