Travel Insurance 4 Medical Travel Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

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 Travel Insurance 4 Medical is the right company to go on holidays with? 

In this definitive Travel Insurance 4 Medical 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 Travel Insurance 4 Medical 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 Travel Insurance 4 Medical travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

4,4 Safe overall rating for Travel Insurance 4 Medical

Safe ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate of 4.8/5 on Trust Pilot
Online quote generation
5 star rating on Defaqto
Easily accessible policy documents
Easy online medical screening that only takes 3 minutes

Cover provided

Offer full cover for people traveling with existing medical conditions
Some sports and activities included as standard
Policies available across 3 levels of cover
Up to £10m medical expenses included as standard
High upper age limit of 100 years

Value for money

Reasonably priced premiums
No discounts mentioned on the website
Children are not covered for free

Financial strength

Specialist travel insurance company with over 30 years experience in the industry focused on providing affordable travel insurance for people with existing medical conditions
A brand of Rothwell & Towler, a company that has been in the insurance industry since 1973
Authorised and Regulated by the Financial Conduct Authority (FCA).

Technology

Online quote generation
Online medical screening done in 3 minutes
Availability of live chat feature
Customer portal not available

Safe rating for Travel Insurance 4 Medical travel insurance

Travel Insurance 4 Medical travel insurance reviews by expert and consumers

Review organisationTravel Insurance 4 Medical travel insurance reviews
Defaqto expert

Superior: 5

TrustPilot

4,8/5 based on more than 13,3K opinions

Consumer satisfaction rates on reviews for Travel Insurance 4 Medical holiday insurance

To check if Travel Insurance 4 Medical 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.

What does Travel Insurance 4 Medical travel insurance cover?

Travel Insurance 4 Medical 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. 

Travel insurance policies offered at Travel Insurance 4 Medical is available for single travellers as well as families.

Travel Insurance 4 Medical single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at Travel Insurance 4 Medical
Maximum days per trip

Single Trips up to 120 days.
Annual Multi Trip: unlimited number of travel provided that each trip does not last more than 31 days if you are aged 65 and over and 45 days for people below the age of 65.

Maximum age limit

Single Trip: 100 years old
Annual Multi-Trip: 79 years old

Maximum days and age limit for single-trip and annual multi-trip policies at Travel Insurance 4 Medical

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Travel Insurance 4 Medical:

Policy name

Economy ExtraStandardSuperior
Defaqto expert ratingNot availableNot available5
Excess (if not stated)£95£50£70
Medical expenses£3M£5M£10M
Trip cancellation / curtailment£1500£3000£5000
Delayed departure 12 hours£50£50£50
Delayed departure max£100£100£100
Baggage & belongings£750£1500 £2500
Money including cash£300£300£300
Repatriation£3M£5M£10M
Personal liability£2M£2M£2M
Personal accident (excess £0)£5000£10 000£30 000
Legal expenses
(excess £0)
£20 000£20 000£25 000
Hospital benefit
(excess £0)
£50 for every 24 hours up to £300£50 for every 24 hours up to £600£50 for every 24 hours up to £1000
Accommodation coverxxx
Pet care (excess £0)xx£150
SAFI*x£1500£2000
Cruise / Winter sportsOptionalOptionalOptional
Travel Insurance 4 Medical travel insurance in details

Travel Insurance 4 Medical backpacker travel insurance

Backpacker Travel Insurance offered at Travel Insurance 4 Medical is available across 3 levels of cover: Backpacker Lite, Backpacker and Backpacker Extra and it comes with the following benefits:

  • Cover up to 18 months
  • Up to £10 million medical emergency cover
  • Available for all ages up to 55 years
  • Up to £3,000 for cancellation
  • Up to £2 million for personal liabiltiy
  • Up to £15,000 for personal accident
  • Up to £25,000 for legal costs when pursuing compensation and up to 30 minutes free legal advice
  • Up to £1,500 for personal possessions lost, stolen or damaged
  • Up to £250 for cash stolen or lost.

Travel Insurance 4 Medical winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available at Travel Insurance 4 Medical across 2 levels of cover: Superior and Standard and it comes with the following benefits as standard:

  • Up to £1,000 for ski equipment stolen, lost or damaged
  • Up to £25 for every 24 hours (maximum £100) if ski equipment is delayed
  • Up to £25 for every 24 hours (maximum £300) if ski pack is lost due to injury or illness
  • Up to £25 for every 24 hours (maximum £250) if piste or resort is closed due to lack of snow
  • Up to £25 for every 24 hours (maximum £300) if piste or resort is closed due to an avalanche.

What are the other travel insurance options available at Travel Insurance 4 Medical?

Travel insurance options at Travel Insurance 4 Medical
Travel Insurance 4 Medical golf cover

Golf cover is included as standard and not available as an optional addition.

Travel Insurance 4 Medical business cover

Not available

Travel Insurance 4 Medical cruise cover

Cruise Cover is available at Travel Insurance 4 Medical and it comes with the following benefits as standard:

  • Up to £500 for missed port departure
  • Up to £500 if you cannot go on your prepaid shore excursion
  • Up to £100 for every port (maximum £500) that your ship was unable to dock at due to adverse weather conditions or timetable restrictions
  • Up to £40 for every 24 hours (maximum £400) if you are confined to your cabin due to an illness or injury.
Travel Insurance 4 Medical gadget cover

Gadget Extension Cover is available at Travel Insurance 4 Medical across 2 levels of cover: Standard and Superior and it comes with the following benefits as standard:

  • Up to £1,500 if your gadget is lost, stolen or accidentally damaged
  • Up to £150 for accessories lost, stolen or accidentally damaged along with the gadgets
  • Up to £1,500 if your mobile phone was used for fraudulent activities.
Other travel insurance policy options available at Travel Insurance 4 Medical

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Travel Insurance 4 Medical 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 Travel Insurance 4 Medical travel insurance?

You’ll find below indicative quotes per level of cover at Travel Insurance 4 Medical:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Travel Insurance 4 Medical:

Policy name

Economy ExtraStandardSuperior
Price – 7 days trip – 30 years old – Europe£14,17£18,17£27,18
Price – annual policy – 30 years old – Europe£26,92£41,78£59,32
Price – 7 days trip – 65 years old – Europe£18,31£24,26£36,30
Price – annual policy – 65 years old – Europe£79,68£111,27£158,02
Price – 7 days trip – 30 years old – USA£33,19£45,26£67,69
Price – annual policy – 30 years old – USA£41,00£63,61£90,35
Price – 7 days trip – 65 years old – USA£44,39£60,53£90,49
Price – annual policy – 65 years old – USA£133,04£187,52£266,30
Travel Insurance 4 Medical travel insurance in details

It is, however, quite difficult to give precise price ranges as Travel Insurance 4 Medical 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 Travel Insurance 4 Medical?

They don’t mention any discounts in their website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Travel Insurance 4 Medical.

What else should I know about Travel Insurance 4 Medical travel insurance?

What are the general exclusions at Travel Insurance 4 Medical travel insurance?

To be eligible for a travel insurance policy at Travel Insurance 4 Medical:

  • Your trip must not have started yet
  • Your trip must take place within 1 year of the start of your policy
  • You must be very careful and take necessary precautions to avoid getting ill or injured during your trip
  • You must be a resident of the UK, the Channel Islands or BFPO
  • You must not be traveling within the your home country for less than one night on any single trip
  • Understand that there is no cover for cruises included as standard
  • You must not be travelling specifically to get medical treatment or are aware that you’re going to need medical attention
  • You must be aged 79 years or below if taking out an Annual Multi Trip
  • You must not be travelling on your own if you are 17 years or younger without the presence of any named adult in the policy schedule
  • You must not be travelling against the medical advice of your doctor
  • You must be travelling with the intention to return home.

How do I get travel insurance quote from Travel Insurance 4 Medical?

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 Travel Insurance 4 Medical is the right one for you, then just click on get quote and you’ll be automatically directed through the company’s sale channel.

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 Travel Insurance 4 Medical website?

There is no login option on the Travel Insurance 4 Medical website

How to claim at Travel Insurance 4 Medical travel insurance?

There are 2 ways to make a claim: by phone or by sending a filled claim form through mail as explained below.

How to claim on Travel Insurance 4 Medical travel insurance?
Claim by mail

Travel Insurance 4 Medical
Rothwell & Towler
Tourism House
Woodwater Park
Pynes Hill
Exeter, Devon, EX2 5WS

Claim online

You can claim online by visiting this page, download a claims form and send it with the required documents.

Claim by phone

+44 (0) 161 228 3851

How to make a claim on Travel Insurance 4 Medical travel insurance

How do I contact Travel Insurance 4 Medical travel insurance?

Travel Insurance 4 Medical contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0345 90 80 121

Monday to Friday: 8:30am – 7pm
Saturday: 9am – 4pm

Non Emergency Medical Claims+44 (0) 203 829 6761

Not Stated

Medical Emergency+44 (0) 203 829 6745

Available 24/7

Gadget Claims+44 (0) 345 074 4813

Monday to Friday: 9am to 6pm
Saturday: 10am to 4pm

Travel Insurance 4 Medical contact phone numbers

Travel Insurance 4 Medical other contact details

Contact details
Address

Travel Insurance 4 Medical
Rothwell & Towler, Tourism House
Woodwater Park, Pynes Hill
Exeter, Devon, EX2 5WS

Email[email protected]
Travel Insurance 4 Medical contact details

How to cancel your annual Travel Insurance 4 Medical travel insurance policy?

You will find below main information to cancel your travel insurance policy at Travel Insurance 4 Medical:

How to cancel Travel Insurance 4 Medical travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

for single trip: 50% of premium refund
for multi trip: 5% of monthly premium refund

Cancel by phone

0345 90 80 121

How to cancel Travel Insurance 4 Medical travel insurance

Our opinion on Travel Insurance 4 Medical travel insurance

Travel Insurance 4 Medical is a brand of Rothwell & Towler, a specialist insurance group that has been in the industry since 1973. Rothwell & Towlder is an Appointed Representative of Crispin Speers & Partners Ltd who are Authorised and Regulated by the Financial Conduct Authority (FCA).

The company is mainly focused on providing affordable travel insurance covers for people with existing medical conditions as well as people without any medical conditions. They have a 5 star rating on Defaqto and a high customer satisfaction rate of 4.8/5 on Trust Pilot.

We would recommend Travel Insurance 4 Medical to anyone with health conditions looking for an affordable travel insurance policy.