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Virgin Money: Travel insurance reviews

Name: Travel insurance
Rating: 2.11 (108 reviews)

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1.79

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:

If you think your cover you are so wrong .

If you think your cover you are so wrong . You may as will not have insurance. Dec was in hospital paid my medical bill virgin have not paid a penny Reviewed on: 10th March 2024

Horrendous

For 6 months now, Virgin has constantly misled me with false information, false hopes, false timeframes and frankly, nonexistent customer service. I was told in April that it would take 30 working days to resolve my case (submitted in March). It's now been 117 working days since I submitted my claim. 1 month ago Virgin promised to escalate my case to a Temp 5, supposedly marking it as urgent. I was assured the case would be resolved in 20 working days or sooner. Nope. Phoned today to chase and spoke to a member of staff. She put me on hold to file a complaint for me. I waited 10 minutes and the line 'cut out'. I miraculously managed to get through to another advisor within 5 minutes, asked to be put through to the previous advisor... only to be told SHE WAS ON HER LUNCH BREAK. What.the.actual...? Needless to say... Dealing with Virgin has been utterly painful, stressful and exasperating the whole time. I've already been in contact with the Ombudsman and will be pursuing further action. Unacceptable is the politest way I can put it. Meanwhile, Virgin are proudly showing off their fancy new website... How much did that cost? Reviewed on: 15th September 2020

SCUM OF THE EARTH. AVOID AT ALL COST

I had a ski holiday booked for Feb 2020 and couldn't travel due to a stomach infection and vomiting. Put in claim and they "lost"my documents. Resent everything including another medical form via email and now been told they need the new medical form. Don't these vile people ever check their email?? Still no further on and its been going on since early february. I am now going to the financial ombudsman. Please please never use this company. Reviewed on: 4th August 2020

Disgrace!! Do not use.

The most disgusting and disrespectful company I have ever used. Due to the FCO travel advise I had to claim a full refund through my travel insurance as advised by my travel agent ( Virgin Holidays). I did this 5 months ago...Still no resolution on a basic open close case! Communication is so poor with lead times stated as 50 working days to review information and complete claim. I’m 80 working in days I’m with no closer to completion. Reviewed on: 3rd August 2020

worst insurance company on the market

do not under any circumstances buy travel insurance from these cowboys. They will use every delay tactic at their disposal not to pay out. Reviewed on: 30th July 2020

Still waiting four months after submitting a claim

I submitted a claim four months ago and so far no further forward, I am appalled at how they treat customers and at the total lack of customer service skills. Reviewed on: 21st July 2020

worth it

value for money and not a rip off. Downside is that it auto renews Reviewed on: 13th July 2020

HEARTLESS.CALLOUS. DISGRACEFUL COMPANY

We booked a holiday to Vietnam on Feb 2020 . a week before we were due to fly my partners father had a fall and unfortunately died. i canceled flights.villa and internal flights along with overnight stay at heathrow hotel and car parking for the 2 week period.i called Virgin claims and a claim form was sent out at the end of Feb 2020. the first hit was that all separate items flights are 1 claim. hotel stay in London =1 claim internal flights are another claim etc and all are subject to excess at £150 each! so internal flights and basically anything costing £300 or below are not claimable. this amounts to £900 . so left with only the £1258 return flights from and too Gatwick allowable we attempted to complete the paperwork, original documents ONLY to be sent by recorded delivery to virgin travel claims. death certificate. completed claim form. doctors letter confirming that cause of death wasn't an existing condition! it says trauma from falling on the death certificate ! recorded delivery letter with all documentation sent on 23/03/2020 and there it still sits , i'm told it was signed for by security guard and since all staff are working from home and have no access to post ( and no date when this will change as of today 1st July) Virgin are also saying that as they still dont have the claim form there is in fact no claim registered. PLEASE spare yourself the heartache and bull**** we have been through and buy insurance from anyone but this disgusting company Reviewed on: 2nd July 2020

Worst Travel Insurance company

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

Brilliant, easy and quick when needed most

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

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

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

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