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Virgin Money: Travel Insurance reviews

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1.91
Based on 100 reviews, last reviewed 2nd May 2025
No new 5 star reviews
in the past 90 days
50% increase in 1 star reviews
in the past 90 days
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3%
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66%

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
Ron West's avatar
Ron West

Latest lowest rating:

1

incredibly frustrating experience I’ve had an incredibly frustrating experience with Virgin Money Travel Insurance. I submitted a straightforward claim on 10 April after my child fell... Read more Reviewed on: 2nd May 2025
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Kate W
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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 (100)

Worst Travel Insurance company

1
The staff is rude on the phone and not helpful at all. I purchased an insurance cover and paid £77 just for a week-long trip. It got cancelled due to COVID-19 and they are asking me for further proof that I didn't travel (I mean hello, are you alive and looking around?). They are also asking me invoices for things which they don't have to cover like hotels. I have raised a complaint and will be pursuing it all the way to ombudsman service. Richard Branson has some nerve asking for a bailout for this pile of c**p! Reviewed on: 12th May 2020
UG's avatar
UG

Brilliant, easy and quick when needed most

5
My wife, myself and our 1 year old son were in Colombia visiting family/ taking a holiday. The madness caused by coronavirus meant flights were ending to return home. Our original flight was cancelled. I called virgin and they rebooked us on an earlier flight home. This was all within a couple of hours of my initial call. Amazing service. They even called to check we had arrived back in the UK. Based on my experience, I can't recommend them enough. Brilliant. Reviewed on: 24th March 2020
Ashleigh Hamer's avatar
Ashleigh Hamer

Avoid like the plague. We took out the top level cover AND optional travel disruption but they still didn't pay out

1
I took out the Annual multi-trip insurance with the 'take as many trips as you like' and 'arrange just once for all-year cover' subject to a maximum duration of 90 days for the Annual Black (Family) Cover that I opted for. It said "if you cancel or cut your trip short then we will pay up to the policy limit for travel and accommodation you don't use and can't claim back directly" and when you click on the link on the website regarding one of the reasons they'd pay this it clearly stipulates that it would pay you for 'any claim that results in you missing a connection flight'. So you think...great...I have around 12 connecting flights from London - Kiev - India + internal flights - Kuala Lumpur - Cambodia - Thailand - Vietnam - Egypt - Amman - London ...a whirlwind honeymoon covering lots of places and I need to cover myself in the event something goes wrong. The thing is what they DIDN'T say is that they only cover delays on the first flight and the last flight...none of the flights inbetween. We'd taken the optional Travel Disruption cover out as well. So... our plane nearly went down and emergency landed on the 2nd flight from Kiev to India with NO compensation for the 24-hour delay, we totally missed our hotel and paid excursion in Delhi...we didn't even see Delhi, we lost half a day in Cambodia due to flight changes and a few more things besides. Trying to get through on the phone for a claim is hard. They aren't open when when they say ...only their sales team takes calls later in the evening. I'm woefully unimpressed with my £466.41 insurance. Reviewed on: 4th February 2020
Nicola Bray's avatar
Nicola Bray

Travel in peace

5
Travel insurance has got everything depending on your necessity Reviewed on: 3rd February 2020
Matt's avatar
Matt

Rip off

1
I have had insurace for years and never claimed , i dropped my watch and was £360 of damage but for some reason virgin say they do not replace old for new .... it's a tag Helier.... which i am not asking for , just the repair , but they insulted me by giving me £35 , what a joke will never use them again , been told for two weeks I know someone would ring me , but they're obviously too busy ripping other people off . , very unhappy ex customer . Reviewed on: 4th December 2019
Gra's avatar
Gra

Claim for missed flights

1
I took out the Virgin Money travel insurance (silver) and had been with them for a couple of years. Whilst travelling to Australia I unfortunately encountered a cancelled flight and as a consequence then missed my connecting flight home. The Airline that cancelled the flight said your insurance company will cover any financial loss for re-booking. Not Virgin Money they declined the claim and costs straight away stating it didn't fall into their category of claim. That category was very limited and one thing you don't tend to do when booking travel insurance is look at the scenarios of what might happen before you take the policy out. After contacting the Ombudsman they looked into the policy and effectively stated I was not covered for any missed flights no matter what the reason was. The wording within the policy (section F page 27 for reference) practically stated I wasn't covered for missed flights. A complete disappointment and when you expect to be covered for something totally out your control that affects your holiday and you've no choice but to pay extra flight costs. This company (Virgin), was useless at supporting. Strongly recommend anyone considering Virgin Insurance to look at the details before you purchase....and shop elsewhere. Reviewed on: 11th November 2019
Pen's avatar
Pen

THE MOST APPALLING COMPANY EVER!!!!!

1
I hope if you are reading this you haven’t actually purchased insurance and are Just looking to buy... Virgin Money travel insurance is the worst company I’ve ever dealt with in my life, I have never written a review but feel compelled to do so! They will not pay out insurance under any circumstances, they will find a clause on their 36 page document of something you haven’t done so that they do not have to pay out. I have wasted years giving them money for travel insurance. Their customer service is ridiculous, my claim has taken 6 months and even then they refuse for a life threatening illness. They have caused me so much stress and heartache and feel they are so corrupt. It seems that I am not alone in my treatment so please find a reputable company for travel insurance, Virgin is not worth the paper it’s written on. Reviewed on: 11th November 2019
Rosie's avatar
Rosie

Disgusting Service

1
I had an accident in August of this year in Tenerife which needed Hospital treatment, I have forwarded all required documents, I phoned last week to see how the claim was progressing I was then told the claim had been approved, I phoned again today as I had not received any correspondence or emails to be told it has not yet been approved as its gone back to the accessor as they require more information, there is nothing else I can send as I've sent all necessary paperwork I had, I will never recommend this Company to anyone their service is appalling, unprofessional and disgusting it's better to find a more professional Company than purchase insurance from Virgin Travel Reviewed on: 29th October 2019
Lorraine 's avatar
Lorraine

Disgusting Service

1
Had an accident in Tenerife in August, sent all required documents phoned last week to be told the claims been approved, phoned again today to be told it's gone back to the accessor so has not yet been approved, this Company is an absolute joke, very disappointed in their lack of communication and service I would never recommend this Company I would of expected a better service than what I have received completely rip you off, absolutely disgusting service Reviewed on: 29th October 2019
Lorraine 's avatar
Lorraine

Do not buy!!! Absolute joke

1
42 hours to intervene. Tell you it’s £100 excess per claim, but then split the claim into accom, flights, hospital expenses etc, etc. Then it’s £100 per person, per ‘split claim’. Very misleading. My 4 year old had a ruptured appendix. They would not agree to help until his gp had forwarded his medical records even though appendix is not associated with any medical conditions. Insisted this was in English even though the person on the phone at virgin was Spanish and it’s underwritten by a Spanish company MAPFRE. Would only arrange accom in 2 day blocks even though he was in intensive care for another 9 days. Didn’t forward reservation to hotel so had to try sort this out at 22:30 after being in the hospital 14 hours. Every time I phoned only interested if the EHIC card was there even though I said from the start it was taken care of. Saying I could claim for taxis to the hospital from the accom to the hospital, then saying they wouldn’t pay out for travel as I’d used a bus which was far cheaper. Currently waited 6 weeks and still haven’t been paid. No paediatric cover on Ibiza. Son emergency helicopter to Majorca for op but told I had to pay my own flight there. No sleep for 36 hrs at this point then wouldn’t help sort somewhere to sleep. Absolute cowboy outfit. DO NOT purchase their travel insurance Reviewed on: 3rd October 2019
Gareth 's avatar
Gareth

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