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Virgin Money: Travel insurance reviews

Name: Travel insurance
Rating: 1.8 (108 reviews)

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1.80

Based on 108 reviews, last reviewed 19th Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

22%

67%

Latest highest rating:

5

Was taken into hospital virgin money sorted out all... Was taken into hospital virgin money sorted out all my expenses would highly recommend them Reviewed on: 4th November 2024

Latest lowest rating:

1

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 cov... Read more Reviewed on: 19th February 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.

Virgin Money Travel insurance reviews (108)

Review of the Virgin Money, Travel insurance:

Do not buy Virgin Money Travel Insurance - go somewhere else

Our hire car was broken into on the last day of our holiday in Spain, and unfortunately 3 hold luggage and 4 hand luggage were stolen. An awful situation and a terrible day for my family and I and those who were travelling with us. We pretty much lost everything that day, all of the typical items that you take on holiday with you and more. It took me a month to complete the claim form, populate an itemised list of what was stolen, and to gather receipts, bank statements, proof of travel, proof of my stay in Spain, proof from the airline that we flew out with checked luggage and returned with none, all in an effort to support my claim and to help the person that was / is to handle my claim to process it as quickly as possible. I methodically put everything together in a 4 inch thick A4 binder and then submitted it. Claims are handled on behalf of Virgin by an outfit called Travel Claims Services Ltd - they are terrible, truly shocking. I posted the binder off to them via recorded deliver on 09.09.19, and they acknowledged receipt 3 days later. I didn't chase initially, as I appreciated that it might take a handler a number of days to review everything I had sent (there were over 350 pages of documentation). However, I heard nothing from them until 24.09.19. On that date I received an email from them asking me to provide various documentation, documentation of which I had already sent - it was all in the A4 binder! I responded by email explaining that I had already submitted everything, but I heard nothing by way of reply! I called Travel Claims Services Ltd today (02.10.19) to find out what an earth is going on with my claim - I was informed that my claim hadn't event been looked at yet, some 3 weeks on. Further, I was informed that they were waiting for my claim form! I was furious, because the fully completed, signed claim form, was in a separate wallet inside the A4 binder i had sent them. I explained this to the adviser - they checked and acknowledged that they had received it after all - as I said before, they are absolutely terrible. It was left that someone would review my claim today, following which they would return to me with confirmation as to the next steps. They did get back to me via email earlier on this afternoon - in the email they have asked me to provide a booking invoice confirming details of my flights, confirmation of where i stayed whilst I was on holiday, copies of bank statements confirming purchase in respect of the items being claimed for, and confirmation from the airline that I travelled out with hold luggage and returned with none. I am absolutely furious, because all of this documentation is contained within the A4 binder I sent them 3 weeks ago. It's quite clear that nobody has gone through what I sent them - this company and their employees are completely incompetent. Their is no sense of urgency. Their is no level of appreciation as to the stress levels they create for customers, or any comprehension of the fact that we are currently at a financial disadvantage, as we have since had to spend a lot of money to replace what was stolen. I cannot deal with these incompetent people any longer, or waste my time reading the nonsensical emails they keep sending me asking for documentation that I have already sent, and of which they have acknowledged receipt of. I have submitted a complaint this evening to the Financial Ombudsman Service. I'd recommend anyone who has an outstanding claim that is simply not progressing, to do the same. Why should us consumers have to put up with such a poor service. Virgin Travel Insurance - hang you heads in shame - you are allowing this outfit to deal with and treat your customers in this way. Shocking! Anyone thinking of taking out travel insurance - DON'T DO IT, GO WITH A DIRECT INSURER LIKE AXA or AVIVA etc. Reviewed on: 2nd October 2019

Very good

I lost my camera on holiday and they handled my claim quickly and without much effort on my side. Won't get from anywhere else now! Reviewed on: 6th August 2016

So easy and CLEAR

I took out Virgin Money Travel Insurance last year and although a couple of pounds more than the cheapest ones I could find, well worth it in my opinion for peace of mind. They are so easy to apply online and took minutes. Instructions and small print (not so small) was clear and I was able to add threats of terrorism and flight delays to it for an extra couple of £.... They reply quickly by post with a Virgin Money Card to keep on you with your account details and numbers needed. They automatically renew each year - so up to you if you want to search for other details but in this case I am happy to stay put Reviewed on: 28th March 2016

EASY

So easy to get a quote from Virgin and they didn't give the hard sell. Gave me peace of mind when going on holiday that I was covered Reviewed on: 24th December 2015

Friendly and quick service

Brilliant customer service, helpful and no pressure. Were keen to match similar product prices and you get a lot for your money. Reviewed on: 24th December 2015

very quick and easy to set up. definatly would recommend this product to all my friends and family before they tried any other company

I was looking last minute for travel insurance before a short trip to Morocco. Found a cheap quote from Virgin and went with them. Got the documents from them online very quickly. Reviewed on: 6th November 2015

Cheapest and trusted

Good value for money

Great value travel insurance. It covers all the things I need. I like buying from Virgin Money as they have good customer service and it gives me peace of mind when I'm on holiday. Setting up an account and printing off the insurance documents is very quick and easy. Reviewed on: 28th August 2015

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