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Virgin Money: Travel Insurance reviews

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1.96
Based on 99 reviews, last reviewed 9th Apr 2025
100% decrease in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
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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

deceitful and unprofessional approach to insurance Virgin Money offers 5-star rated travel insurance with a range of policy add-ons exist just to book an expensive policy with no protection. I searched... Read more Reviewed on: 9th April 2025
Tea C's avatar
Tea C
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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 (99)

Review of the Virgin Money, Travel Insurance:

worst insurance company on the market

1
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
Frankie Oneill's avatar
Frankie Oneill

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

Do not buy Virgin Money Travel Insurance - go somewhere else

1
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
D Hollingsworth's avatar
D Hollingsworth

Affordable and Reliable

5
Easy to obtain my annual travel insurance and with such a well known brand I am comfortable in the knowledge they are covering all my needs. Competitive pricing and very helpful staff. Reviewed on: 30th August 2019
Matt Warman's avatar
Matt Warman

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