co op travel insurance

Call us on 01922 234 400

Mon to Fri: 9.00am - 9.00pm, Sat to Sun: 9.00am - 5.00pm

Travel Insurance

All travellers should ensure they have adequate travel insurance for their trips. It is a condition of purchasing through Your Co-op Travel that you have adequate travel insurance in place before you start your trip.

At Your Co-op Travel, we have partnered up with ROCK Insurance Group (authorised and regulated by the Financial Conduct Authority 300317) to provide you with comprehensive insurance which will cover you for several scenarios which may occur whilst you are abroad including your flights being delayed, losing your bags or falling ill whilst you are away.  Click here to book your travel insurance today!

Remember, as a Your Co-op member, you receive a 20% discount on your travel insurance policy when you book your holiday through Your Co-op Travel or Carrick Travel.  Click here  to find your 20% off code or if you would like to learn more about Your Co-op membership benefits.

When purchasing a travel insurance policy please ensure you read all policy documents carefully to understand the terms, conditions, and exclusions before purchasing. If you have any questions or need further information, our customer service team is available to assist you.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

7 Best Cheap Travel Insurance Companies in July 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Suggested companies

Admiral insurance, animal friends insurance, geoffrey insurance.

Co-op Insurance   Reviews

In the Insurance company category

Visit this website

Company activity See all

Write a review

Reviews 4.1.

2,018 total

Most relevant

Excellent handling of a complicated process

I was very impressed with the friendliness, clarity and excellent guidance of the person who took me through all the questions required in order to open a new Home and Contents Insurance Account. Full marks to the Coop!

Date of experience : 11 September 2024

Co-op Travel Insurance proved to be…

Co-op Travel Insurance proved to be very competitive and provided equal measures of cover at a fraction of other companies. Quick and simple to apply and purchase online too!

Date of experience : 30 August 2024

Payment failed to be taken once (due to…

Payment failed to be taken once (due to me loosing my card) then got an email saying policy will be cancelled if i don't do anything.. so i didn't. Then a letter saying the same thing, then another letter saying it's an additional £15. Most annoying thing was i had no way to update my payment method on the go. Such as a login portal etc, Either way you have to call, and they give very little room for maneuver such as trying to take payment a 2nd time. No small grace period given. Basically a bad review as its badly organized communication from them, bit inconsistent and a nice £15 admin fee for them whenever you want to change a detail.

Quick and easy to apply and complete in less than 3 minutes

So simple to fill in document. We were rushing to airport and realised we didn't have travel insurance. So quick and stress free apply. With different options, so you only pay for what you need.

Date of experience : 05 September 2024

The Co-op insurance website was easy to…

The Co-op insurance website was easy to follow and the policy I chose had everything I needed. The Co-ops ethics and values exactly suit my way of life.

Date of experience : 07 September 2024

Reply from Co-op Insurance

Hi Christine, Thank you for taking the time in leaving us a 5 star review. We're glad to hear that it was an easy process for you and that the cover meets your needs. We appreciate your positive feedback. Thank you for your custom. Saz

Excellent service from co-op online

Excellent service from co-op online. Very easy choose you like regarding travel insurance, no Complication questions, just easy straightforward questions and was done in less than than 10 mins. Highly recommended and very good competitive price plus helps if your Co-op member as get discount too! John powell

Date of experience : 01 September 2024

Good afternoon John, Thank you for taking the time to leave us this review. I'm delighted to read of your positive experience. We aim to provide a great product at competitive prices, along with a straightforward quotation process. Thank you for purchasing your travel insurance with us and I hope you have a wonderful time on your travels. Kind regards Ross Co-op Insurance team

I have had co op pet insurance for 10 years this is my second claim which was finally acknowledged 6 weeks ago. I rang today and said it would be moved for priority assessment, just disgusting attitude and rip off prices they are nothing like they used to be avoid at all costs. It has been signed off by a Vet !!!!

Date of experience : 09 September 2024

Good evening, Thank you for taking the time to leave a review. I'm sorry that you're disappointed with the claim process and for any delays you have experienced. I have requested further information to enable us to investigate this further. Thank you, Billie.

Last years annual car premium was £392…

Last years annual car premium was £392 and I have now received renewal quote of £2,194. An increase of >500%!!!!!! I called Co Op for an explanation. Original underwriters have not offered a renewal quote, with no reason offered. New underwriter have offered the £2194 premium. Again Co Op offered no explanation as to why this was excessive. The agent was pleasant but made absolutely no effort to retain my business or provide any explanation . It was clear that Co Op act as a broker with no insight into premiums. I live in Northern Ireland and I won’t be back to Co Op obviously.🙄

Hi Jim, Thank you for taking the time in leaving us a review. We've passed your details to the relevant team who will be in touch with you to discuss this. Saz

Very poor claims process

We submitted a pet insurance claim on behalf of a client in March 24, still hasn't been processed and currently been waiting 1hr 20 min on the phone trying to get through to find out what has happened to the claim. Very very poor claim underwriters.

Good Morning, Thank you for taking the time to leave a review. I’m sorry for any delays you may have experienced with the claims process. We strive to provide excellent customer service in a timely manner and I truly apologise for the frustration this has caused. I will arrange for a member of our team to contact you to discuss your concerns further. Thank you, Jemma The Co-op Pet Team.

Home Insurance:-

Home Insurance:- Used Co Op Home Insurance previously with no issue. Taken a break for a couple of years. Went for a quote this year and after refusing to give a price on the internet quote spoke to a customer advisor who also stated the Co op couldn't provide a price. Tried again 2 days later and received a ridiculous quote of over £2900, 3 times their highest competitor. This is for some one who as had no claims over the past 5 years and 1 contents claim in the last 10 years due to a genuine theft of personal items

Date of experience : 08 September 2024

Hi Andrew Thanks for taking the time to leave us your review. We're sorry to hear the quote was uncompetitive this year. We will call you to discuss the quote in further detail. Thanks Leanne

Seemed good cover @ competitive price

Seemed good cover @ competitive price, although I didn’t need to make a claim

Date of experience : 31 August 2024

Hi Chris, Thank you for taking the time in leaving us a 5 star review. We're pleased to hear that we were able to quote you with a competitive premium and that the cover meets your needs. We appreciate your positive feedback. Thank you for your custom. Saz

I have been with company for many many…

I have been with the company for many many years and have never had any problems .Would recommend to anyone.

Date of experience : 27 August 2024

Hi Mr Kempson, Thank you for taking the time in leaving us a 5 star review. We appreciate your positive feedback. Thank you for your custom. Saz

Absolutely brilliant receptionist on…

Absolutely brilliant receptionist on the phone.It was a pleasure to speak with her. She was patient and understanding with my hearing problem and dealt with my house insurance quickly and efficiently. Thank you.

Date of experience : 04 September 2024

Hi Christopher, Thanks for taking the time to leave us a 5 star review! We're pleased to hear you're happy with the service provided. Thanks for insuring with us! Leanne

IT WAS EASY TO SPEAK TO AN AGENT IN…

IT WAS EASY TO SPEAK TO AN AGENT IN PERSON !! I do not like machines/A.I. AUTOMATED LINES WITH NO HUMAN OPTION!!!!!!!!!!!!!!

Date of experience : 10 August 2024

Hi Philip, Thank you for taking the time in leaving us a 5 star review. We're pleased to hear that you were happy with the customer service provided. We appreciate your positive feedback. Thanks Saz

They offer a great range of insurance…

They offer a great range of insurance packages for both cats and dogs. They offer more levels of cover and additional feaurres than other insurers. I also received a 2.5% discount for being a Cp-Op member. Everything was easy on line. I have started to recommend them to my family and friends.

Good morning Thank you for taking the time to leave us such a positive review! Kind regards Jemma The Co-op Pets Team 🐾

I found the form easy to complete and did not take me long to fill it all in, once that was done and not long after an email with my documents arrived in my inbox, over all the experience was very good.

Great travel insurance cover at a much…

Great travel insurance cover at a much cheaper rate than others. 5% off as we are Co Op members

Date of experience : 02 September 2024

A great experience renewing my car insurance over the phone. I had the pleasure of talking to Paddy who is polite, helpful, efficient and knowledgeable, a joy to deal with and a credit to the Co-op.

Hi Julie Thanks for taking the time to leave us a 5 star review! We're pleased to hear you're happy with the service provided by Paddy. We will make sure to pass on your lovely comments! Thanks for insuring with us. Leanne

Good policy with reasonable price on my…

Good policy with reasonable price on my travel insurance

Date of experience : 26 August 2024

Easy to apply for

Easy to apply for, quick acceptance and good cover and premium.

Date of experience : 10 September 2024

Hi Iain, Thank you for taking the time in leaving us a 5 star review. We're pleased to hear that we were able to quote you with a competitive premium and that it was an easy process for you. We appreciate your positive feedback. Thank you for your custom. Saz

Get Your Schengen Insurance

• Hospitalisation expenses up to 30,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area

Extend Your Coverage

• Hospitalisation expenses up to 60,000€
• Assistance in the event of illness/injury and death
• Coverage in the Schengen area + European Union
• Return/relocation and lodging expenses of a companion

Before traveling, please check the guidelines provided by the World Health Organization, the European Union and your local government. Important restrictions are applied to the Schengen Area and visas are likely to be limited to specific travels only. Our travel insurance policies are made to protect you against unforeseeable events, such as sudden illnesses or accidental bodily injuries. We remind you that epidemics and/or infectious diseases such as CoVid 19 are excluded from our policies.

Schengen travel insurance

Europ Assistance makes it easy for you to select and purchase your travel insurance online. Your insurance will be ready in a matter of minutes and our insurance certificates are recognized by embassies, consulates and visa centers around the world , which helps you acquire a Schengen visa for your next trip to Europe. You will immediately receive the certificate and you will be able to download it at any time in any of our six languages : English, French, Spanish, German, Russian or Chinese.

Which countries are in the Schengen area?

The Schengen area is made up of 26 countries (and 3 microstates) where travelers and residents can move freely from state to state without a passport, as there is no longer common border control between Schengen states. Travel insurance is highly suggested for all travelers, and for most countries is mandatory , as it is needed to obtain the visa to enter the Schengen area. You can obtain your visa application form from the country you plan to enter through first or the one you plan to spend the most time in. ​

The leading Schengen travel insurance provider

When you choose Europ Assistance as your Schengen visa travel insurance provider, you also get the support and expertise of 750,000 partners . If something goes wrong, not only will your medical expenses be properly reimbursed, but you will also get help from competent medical professionals at qualified medical centers, no matter where you are. During stressful situations or emergencies abroad, communicating in your native language can be a source of comfort. When such a situation occurs, you can trust that Europ Assistance will be there to help you 24/7 .

If you wish to subscribe for more than 20 people, please contact us

Travel dates

• Country of residence All travellers are from the same country of residence : Yes No

A Schengen visa is not required for your trip, however, you should still consider purchasing travel insurance. You can travel with peace of mind and are covered throughout the European Union with our Schengen Plus cover.

• Hospitalisation expenses up to  60,000€
• Coverage in the Schengen area +  European Union

• Policy Documentation
• Frequently Asked Questions
• 0343 658 0325

Travel Insurance

Great value travel insurance from your co-op travel.

We have worked hard to ensure that Your Coop Travel Insurance offers the cover you require, so all you have to think about is what to pack!

• Important information relating to COVID-19 - Click here to find out more

Optional Winter Sports Cover

If you are travelling to colder climates and taking a winter sports holiday or perhaps venturing on one of our Lapland holidays, make sure you travel in the knowledge that you are covered by Your Coop Travel insurance by adding on the optional Winter Sports cover.

Your Coop Travel insurance with the optional Winter Sports cover will cover you for much more than just skiing and snowboarding, but also off-piste skiing with a guide and within resort boundaries, snow sledging and more.

The optional Winter Sports cover will ensure that your equipment is covered for loss, breakage and theft, regardless of it being your own or hired equipment as well as loss or theft of your lift pass.

In addition, Your Co-op Travel insurance with optional Winter Sports cover will cover you for piste closure, avalanches and/or landslides.

The Optional Winter Sports cover includes:

• Cancellation and Curtailment (Up to £5,000)
• Medical Expenses (Up to £5,000,000)
• Ski Equipment  (Up to £1,000)
• Piste Closure (£20 per 24 hours, up to a maximum of £240)
• Winter Sports Cover is optional on our Economy and Premier Cover, but included free on our Super Cover

Where included, Annual Multi-Trip policies include 17 days Winter Sports Cover per policy per year

Simply add the optional Winter Sports cover to your travel insurance. Optional Winter sports cover is only valid for Your Coop Travel insurance policy holders who are 64 and under.

To enjoy your winter sports holiday to the maximum, take out Your Coop Travel insurance adding on the optional Winter Sports cover today!

Get In Touch

• Branch Finder

Your Co-op Travel Insurance is a trading style of the Midcounties Co-operative Limited. The Midcounties Co-operative Limited is an Appointed Representative of Rock Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (FCA No. 300317).

Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number 202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487, with a registered head office at 7 Boulevard du Régent, 1000 Brussels. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Inter Partner Assistance S.A. is registered in England with its registered address at 106-118 Station Road, Redhill, RH1 1PR (UK branch registration number: BR000947). Inter Partner Assistance S.A. has a share capital of EUR 130,702,613.