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Virgin Money: Travel insurance reviews

Name: Travel insurance
Rating: 2.12 (107 reviews)

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1.77

Based on 107 reviews, last reviewed 20th Dec 2025

No new 5 star reviews

in the past 90 days

50% decrease 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:

2

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... Read more Reviewed on: 20th December 2025

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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 (107)

Review of the Virgin Money, Travel insurance:

Well at least I learned who not to use in the future

My wife and I took out an annual travel insurance policy with them. They then introduced a coronavirus exemption. No option to adjust policy, leaving us with no other option to take out insurance with another provider. Getting a refund was so difficult it was as though they were doing it deliberately to put us off. No email option and long waits to get through on the telephone with promises to call back which never happened. To round it all off they sent us an email to say that coronavirus cover was reinstalled after we had taken out the policy with an alternate policy. In the end we were only able to get a partial refund on a policy we were never able to use. My impression is that as a company they just don’t care once they have your money. My only comfort is the knowledge that I am not having to rely on them paying out if I needed to make a claim. From my experience I would expect them to make it as difficult and time consuming as possible and they would do everything they could do to avoid paying. There are much better companies out there. Reviewed on: 1st October 2020

Horrible customer service

This is the nasty bank that is trying to be as rude as possible Reviewed on: 19th November 2022

Absolutely shocking service.

Had to make two claims 6 weeks ago and still nothing back. No responses, claim portal does not work, way over on the promised claim response periods and zero communications from a complaint I made regarding the service despite the automated response giving a timescales for a response. Don’t waste your money using Virgin Travel Insurance. Nothing but wasted time, incredibly poor service and zero communication. Still waiting despite having to email my claim because their claim portal doesn’t work, them knowing about it and STILL not bothering to fix it!! Reviewed on: 13th September 2022

The worst insurance company on the market

This is the worst insurance company I have come across, I have been a customer for over 10 years paid every year, last year I changed the insurance cover from a personal to a family insurance, my insurance runs from March to March each year. I have now just been away on holiday in August and became ill and also had my wedding ring stolen, I called Virgin to make a claim and they informed me my policy ran out a week before I went away and said that they had sent out a renewal letter, I explained no renewal letter was received and that my policy is usually March to March so why did it run out in August?....they stated when I changed the policy from private to family the policy dates changed but this was not explained at the time and no renewal letter was received, the attitude I received from customer services was disgraceful, telling me all of their other customer received their renewal letter with no problems, usually these insurance companies are hungary for your money so I do not understand why a reminder letter was also not sent after a couple of week after no response if they had sent the first letter out also why they did not send an e-mail reminder that the policy was running out, in the past it was an automatic renewal and I was under the impression it would have been the same once again, I just can't believe I have been a loyal customer for over 10 years and when I do make a claim they inform me my policy ran out the week before. it is totally unacceptable to change the renewal dates, not make sure contact is made regarding the renewal given they changed the dates and also stopped automatically renewing the policy and then when I call the lady on the phone has no empathy, all you get is attitude saying it is your responsibility to make sure you have insurance which is a completely ignorant attitude towards a situation which is of virgin insurance makings by moving the goal posts. do not use this company! they have lost a life long customer in me and also all of my friends and family, for the small claim they have refused they will lose a lot more money in terms of lost business however I do not suppose that matters to the wealthy owners as long as they continue to trick clients into spending money and not paying out on claims. policy number MF/VM/V05257/25393707 Just incase Virgin try to state this is not a review from a former Virgin customer! Reviewed on: 23rd August 2022

Easy to set up

I didn’t need to claim on the policy but I found the set up easy to understand and the policy was priced competitively. Reviewed on: 16th August 2022

Highly recommend

Highly recommend virgin money for travel insurance. Have used them for several trips. Simple to fill in details and great prices Reviewed on: 14th August 2022

Cannot make a claim

I cannot register via the website to make a lost baggage claim. It just rejects my details. Tried calling the number: rings twice and hangs up. Tried emailing: no reply. DO NOT USE THESE COWBOYS HIDING BEHIIND THE VIRGIN BRAND. PATHETIC! Reviewed on: 27th June 2022

Bunch of bankers

Absolute rubbish service. staff rude very off-hand . Do not offer Internet banking as I have the wrong type of current account. Do they not understand there is a global pandemic. People need to be able to pay bills and access their account not just view it!! Absolute bunch of BANKERS! Reviewed on: 24th October 2021

Ridiculous way of logging in

To log in to find out your policy number, you have to already know your policy number. Completely inane and useless way of operating. Nobody would ever dream of ever viewing their travel insurance until they needed something from it and yet the only thing anyone would ever need to know from it is necessary to have before accessing it. Any sort of sensible procedure at all would allow people to log in with their email or something, outwith the very information people only ever attempt to access it for. Reviewed on: 19th October 2021

Shocking

The poor reviews are entirely accurate. Read them. I wish I had. Better to keep your cash under the bed Reviewed on: 29th January 2021

In my 40 years of banking Virgin Money sets a new low!

I’ll keep this simple. Open an account at your own peril. Read reviews and the media .. be warned .. this has to be the worst bank in the UK! Reviewed on: 21st January 2021

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