Midcounties cooperative Travel Insurance Review and Quotes
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It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether Midcounties cooperative is the right company to go on holidays with?
In this definitive Midcounties cooperative review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is Midcounties cooperative the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Midcounties cooperative travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
4 Safe overall rating for Midcounties cooperative
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Online quote generation | |
| Cover provided |
Policies available across 3 levels of cover | |
| Value for money |
Competitive prices | |
| Financial strength |
Co-Operative Travel Insurance is underwritten by Rock Insurance Group which is a specialist insurance group focused on offering affordable travel insurance. Rock is authorised and regulated by the Financial Conduct Authority | |
| Technology |
Online quote generation |
Midcounties cooperative travel insurance reviews by expert and consumers
| Review organisation | Midcounties cooperative travel insurance reviews |
|---|---|
| Defaqto expert | Economy: 3 |
| TrustPilot | Not Available |
To check if Midcounties cooperative is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
Find the best travel insurance in just a few seconds!
What does Midcounties cooperative travel insurance cover?
Midcounties cooperative travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
Co-Operative Travel Insurance's policies are available for individuals, families, groups, couples and Single Parent Families.
Midcounties cooperative single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at Midcounties cooperative | |
|---|---|
| Maximum days per trip | Single Trip: Up to 548 days (64 years or less) & up to 92 days (65 years or more) |
| Maximum age limit | Single Trip: 79 years |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Midcounties cooperative:
Policy name | Economy | Premier | Super |
|---|---|---|---|
| Defaqto expert rating | 3 | 3 | 4 |
| Excess (if not stated) | £100 | £100 | £0 |
| Medical expenses | £5M | £5M | £5M |
| Trip cancellation / curtailment | £2,500 | £5,000 | £5,000 |
| Delayed departure 12 hours | £10 | £10 | £10 |
| Delayed departure max | £100 | £100 | £100 |
| Baggage & belongings | £1,500 | £1,500 | £1,500 |
| Money including cash | £250 | £250 | £250 |
| Repatriation | £5M | £5M | £5M |
| Personal liability | £2M | £2M | £2M |
| Personal accident (excess £0) | £10,000 | £10,000 | £10,000 |
| Legal expenses (excess £0) | £25,000 | £25,000 | £25,000 |
| Hospital benefit (excess £0) | £100 | £100 | £100 |
| Accommodation cover | Not Stated | Not Stated | Not Stated |
| Pet care (excess £0) | £150 | £150 | £150 |
| SAFI* | x | x | x |
| Medical screening | Available | Available | Available |
| Cruise / winter sports | Optional | Optional | Optional |
| Golf Cover | Available | x | x |
Find the best travel insurance in just a few seconds!
Midcounties cooperative winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Optional Winter Sports Cover is available at Co-Operative Travel Insurance across all 3 levels of cover and it comes with the following benefits:
- Cover available for people aged 65 years and below
- Up to £1,000 ski equipment cover
- Up to £75 for every 24 hours (maximum £300) ski pass cover
- Up to £20 for every 24 hours (maximum £200) ski equipment delay cover
- Up to £20 for every 24 hours (maximum £240) piste closure cover
- Up to £20 for every 24 hours (maximum £240) if you're unable to ski due to an avalanche or landslide.
What are the other travel insurance options available at Midcounties cooperative?
| Travel insurance options at Midcounties cooperative | |
|---|---|
| Midcounties cooperative golf cover | Golf Cover is available as standard if you take out the Super level of cover and it comes with the following benefits:
|
| Midcounties cooperative business cover | Business Cover is available as standard if you take out the Super level of cover and it comes with the following benefits:
|
| Midcounties cooperative cruise cover | Optional Cruise Cover is available across all levels of covers and it comes with the following benefits:
|
| Midcounties cooperative gadget cover | Optional Gadget Cover is available at Co-Operative Travel Insurance across all 3 levels of cover and it comes with the following benefits:
|
| Midcounties cooperative other extras | Wedding Extension Cover is available as standard if you take out a Super level of cover at Co-Operative Travel Insurance and it comes with the following benefits:
|
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Midcounties cooperative before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is Midcounties cooperative travel insurance?
You'll find below indicative quotes per level of cover at Midcounties cooperative:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Midcounties cooperative:
Policy name | Economy | Premier | Super |
|---|---|---|---|
| Price - 7 days trip - 30 years old - Europe | £23,22 | £25,52 | £46,08 |
| Price - annual policy - 30 years old - Europe | £52,18 | £57,41 | £82,04 |
| Price - 7 days trip - 65 years old - Europe | £52,26 | £57,44 | £103,68 |
| Price - annual policy - 65 years old - Europe | £117,40 | £129,18 | £184,58 |
| Price - 7 days trip - 30 years old - USA | £40,99 | £45,08 | £76,45 |
| Price - annual policy - 30 years old - USA | £76,13 | £83,74 | £121,92 |
| Price - 7 days trip - 65 years old - USA | £92,22 | £101,45 | £172,02 |
| Price - annual policy - 65 years old - USA | £171,28 | £188,40 | £274,31 |
Find the best travel insurance in just a few seconds!
It is, however, quite difficult to give precise price ranges as Midcounties cooperative travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at Midcounties cooperative?
They do not mention any discounts on their website. However, children under the age of 2 who are travelling under the Family Policy are covered free of charge.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Midcounties cooperative.
What else should I know about Midcounties cooperative travel insurance?
What are the general exclusions at Midcounties cooperative travel insurance?
To be eiligible for a travel insurance cover at Co-Operative Travel Insurance:
- You must be a resident of the UK
- Your trip must not have started at the time of purchase of the policy
- Cover is only provided for trips in the UK if you have a pre-booked and pre-paid accommodation of at least 2 nights
- You trip must start and end in the United Kingdom
- You must not be over the age of 79 years
- You must be registered with a general practitioner.
How do I get travel insurance quote from Midcounties cooperative?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Midcounties cooperative is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to Midcounties cooperative website?
There is no login on the JS Travel Insurance website.
How to claim at Midcounties cooperative travel insurance?
There are 2 ways to make a claim: online and phone call
| How to claim on Midcounties cooperative travel insurance? | |
|---|---|
| Claim online | |
| Claim by phone | 02380 177285 |
How do I contact Midcounties cooperative travel insurance?
Midcounties cooperative contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0343 658 0325 | Monday to Friday: 9am to 5pm |
| Medical Emergency | +44 (0)2380 177474 | Available 24/7 |
| Enquiries | 01293 855876 | Monday to Friday: 9am to 5pm |
| Gadget Claims | 01285 626020 | Not Stated |
Midcounties cooperative other contact details
| Contact details | |
|---|---|
| Address | Midcounties Travel Insurance |
| [email protected] |
How to cancel your annual Midcounties cooperative travel insurance policy?
You will find below main information to cancel your travel insurance policy at Midcounties cooperative:
| How to cancel Midcounties cooperative travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by email | [email protected] |
| Cancel by phone | 01293 855876 |
Our opinion on Midcounties cooperative travel insurance
Co-Operative Travel Insurance is part of The Midcounties Cooperative, the second largest independent co-operative in the UK and is underwritten by Rock Insurance Group, a specialist travel insurance group. In addition to having a 4 star Defaqto rating, Co-operative Travel also adheres to the Alternative Dispute Resolution Regulations 2015 EU Directive.
The company offers their main insurance policies across 3 levels of cover: Economy, Premier and Super. In addition to the main policies, they also offer optional covers such as Winter Sports, Golf, Cruise, and Wedding Covers.
We would recommend Co-Operative Travel Insurance to anyone looking for affordable travel insurance policies without sacrificing the quality of the insurance product.
