We need peace of mind regarding our travel insurance whenever we go on vacation or any trip. Our insurance is essential for vacationers and tourists because it covers medical crises, trip cancellations, lost luggage, and other disasters that could result in substantial financial losses.
Furthermore, travel insurance provides assistance services such as emergency medical evacuation and 24-hour support, ensuring that passengers receive help when they need it most, particularly in unfamiliar locations.
Today, we have a puffin travel insurance reviews guide for you where we have covered their coverage options, costs, pros & cons, customer support, claim services and much more in detail.
Introduction to Puffin Travel Insurance
Puffin Group U.K. Ltd is headquartered in Wales, with contact centres in Cardiff (sales) and Surrey (travel insurance administration).
Puffin insurance policies are underwritten by Inter Partner Assistance S.A., which is authorized and controlled by the National Bank of Belgium and has its registered headquarters at Boulevard du Régent 7, 1000 Brussels, Belgium.
Puffin provides a variety of Single Trip and Annual (Multi-Trip) insurance for individuals, couples, families, and groups aged up to 84, including policies for customers with pre-existing medical conditions.
They cover nations worldwide and offer three levels of coverage (Silver, Gold, and Platinum) and various optional features.
Their single-trip policies cover adult travellers aged 18 to 84, while our annual policies cover adults aged 18 to 80.
With a mission to offer peace of mind and excellent service, Puffin provides diverse insurance solutions adapted to today’s globetrotters’ needs.
Puffin Travel Insurance protects you against unexpected events like trip cancellations, medical emergencies, lost baggage, and travel delays, whether you’re going on a holiday, a business trip, or an adventure.
Puffin’s years of experience and network of trusted partners offer rapid support and smooth claims processing, allowing visitors to enjoy their trips without fear of financial setbacks.
Puffin Travel Insurance Coverage Options and Benefits
Puffin Travel Insurance provides a comprehensive set of coverage options and perks to meet the different demands of travellers. Puffin Travel Insurance offers several main coverage options and perks, including:
| Coverage | Silver | Gold | Platinum |
|---|---|---|---|
| Max days per trip (annual policies) | 32 | 32 | 32 |
| Excess (per incident/max 2) | £99 | £75 | £50 |
| Medical Expenses | £10M | £10M | £10M |
| Cancellation | £1500 | £3000 | £5000 |
| Baggage (inner limits apply) | £1500 | £2000 | £2500 |
| Gadget Cover | £1000 | £1000 | £1000 |
| Personal Money | £400 | £400 | £400 |
| Important Documents (eg passport) | £400 | £400 | £400 |
| Emergency Dental Services | £500 | £500 | £500 |
| Hospital Daily Benefit (Max) | £50(£600) | £50(£800) | £50(£800) |
| Personal Liability | £2M | £2M | £2M |
| Legal Protection | £15,000 | £20,000 | £20,000 |
| Personal Accident (age 16-64) | £5,000 | £5,000 | £5,000 |
| Curtailment | £1500 | £3000 | £5000 |
| Travel Delay per 12hr (Max) | £50(£100) | £50(£200) | £50(£200) |
| Missed Departure | £525 | £750 | £750 |
| Travel Disruption | £1500 | £3000 | £5000 |
In addition to the preceding, they provide optional coverage for winter sports, extended gadgets, cruises, and other activity packs.
To keep pricing reasonable, they provide various options for people requiring specific coverage types, such as Winter Sports Cover (ski and snowboard) and Extended Gadget Cover.
Winter Sports (for ski and snowboard holidays): Up to £500 for repairing or replacing equipment that has been damaged, lost, or stolen and Up to £250 to hire new equipment if yours is delayed (maximum £25 per 24 hours).
Gadget Cover: All insurance up to £1,000 includes standard coverage for your gadget while you’re on your trip. This optional supplementary protection boosts your gadget cover by £1000, for a total of £2000.
Gadget insurance will cover repairing or replacing your electronics if they are accidentally lost, stolen, or damaged. We cover mobile phones, iPhones, tablets, iPads, e-readers/kindles, sat navs, handheld game consoles, portable DVD players, headphones, wireless speakers, digital cameras, computers, iPods/MP3 players, GoPros, and smartwatches.
This policy will not cover everything, even drones. If you purchased your gadget new or refurbished from a U.K. company, you must show proof of purchase, such as a receipt.
If you received your device as a gift or purchased it used, we require a signed letter from the original owner confirming your ownership in addition to proof of purchase.
Cruise Cover: Â If you intend to go on a cruise, you must have this Optional Coverage.
It provides up to £750 (Platinum cover level) for unused excursions, up to £750 (Platinum cover level) if ports are missed due to adverse weather conditions or cruise timetable restrictions (£150 per port at Platinum Cover level), and up to £1500 if you are confined to your cabin or a state hospital due to illness during your cruise (£100 per day).
Overall, Puffin Travel Insurance offers comprehensive coverage and valuable advantages, allowing travellers to confidently enjoy their vacations, knowing they are protected from unforeseen incidents.
Must read- Seven Corners Travel Insurance Reviews: Secure Your Next Trip Now
How to get a Puffin Travel Insurance quote
To obtain a quote for Puffin Travel Insurance, follow these steps:
- Visit the official website of Puffin Travel Insurance or access their online quote portal.
- Then click on the Get Quote button on the menu bar.
- Then, choose to get a travel quote and select the type of coverage you require, such as a single trip or annual multi-trip; how many people are travelling? Provide the traveller’s date of birth, describe your pre-existing medical condition, countries you are travelling to, date of travel, and your return date.
- Then click on the show results button.
- If they cannot give a quote, Puffin Insurance has teamed up with Medical Travel Compare to assist you in finding the coverage you need.
- If required, provide personal information, including your age, contact details, and any relevant medical history.
- Customize your coverage options based on your preferences and budget. You can adjust coverage limits, add-ons, deductibles, and other policy features.
- Review the quote summary to ensure all details are accurate and meet your requirements.
- Proceed to the payment section to finalize your quote and purchase the insurance policy online.
Alternatively, you can contact Puffin Travel Insurance directly by phone at 0800 138 7777 or by email to speak with a specialist who can help you acquire a personalized quotation and answer any questions about the available coverage options.
Puffin Travel Insurance Customer Support
To contact Puffin Travel Insurance customer care, you can use the following methods:
- Phone: You can call Puffin Travel Insurance phone number 0333 772 0346 (Mon-Fri: 9:00 – 17:00). You can contact this number to speak directly with a customer service specialist who can help you with questions, claims, policy details, and other needs.
- Email:Â You can email the customer support email at CustomerService@PuffinInsurance.com. You can use this method to communicate your questions, concerns, or requests for assistance. Make sure to provide detailed information so that the customer support team can address your inquiry effectively.
Using one of these options, you may quickly contact Puffin Travel Insurance customer service for any assistance you require with your policy, claims, coverage, or other related issues.
Must read- Best Safetywing Nomad Insurance Review With Pros & Cons
Puffin Travel Insurance Claim Process and Support
The claim process and support for Puffin Travel Insurance typically include the following steps:
- Report the Incident: If an emergency or covered event occurs during your vacation, contact Puffin Travel Insurance immediately. This could include contacting their claims department via phone +44 (0) 2038 599 317, email, or web portal https://puffin.uk.axa.travel/. Provide details about the occurrence, including the claim’s date, location, and nature.
- Submit Documentation:Â Puffin Travel Insurance will demand supporting documentation before processing your claim. This may include medical reports, police reports (for occurrences such as theft or accidents), spending receipts, and any other paperwork specified in your insurance.
- Claims Assessment:Â Puffin Travel Insurance will review your claim after all required documents are supplied. They will examine the facts of the incident and confirm coverage under the terms and conditions of your policy.
- Communication and Updates:Â Puffin Travel Insurance will communicate with you throughout the claims process, providing updates on the status of your claim and any further information or evidence that is required.
- Claim Settlement:Â Puffin Travel Insurance will determine the status of your claim after completing the assessment. If authorized, they will proceed with the settlement and reimburse you for covered expenses by the provisions of your policy.
It is critical to acquaint yourself with the precise claims process described in your Puffin Travel Insurance policy, as procedures may differ based on the type of claim and coverage you have. Furthermore, it is recommended that you preserve copies of all documents relating to your trip and any events that may occur, as this helps streamline the claims procedure and speed up the resolution of your claim.
Puffin Travel Insurance Pricing
Puffin Travel Insurance prices vary depending on various criteria, including the kind of coverage chosen, the duration and destination of your trip, the age and number of travellers, any extra add-ons or upgrades, and your risk profile. Here are some essential aspects to consider about Puffin Travel Insurance pricing:
- Coverage Options: Puffin Travel Insurance provides a variety of coverage choices customized to diverse travel demands, including single-trip insurance, annual multi-trip insurance, and coverage for activities such as adventure sports or business travel.
- Add-Ons and Upgrades:Â Puffin Travel Insurance may provide optional add-ons or upgrades for more coverage, such as rental car coverage, higher medical coverage limits, or covering for pre-existing medical issues. These add-ons may incur additional fees and impact the overall cost of your coverage.
- Travel Details:Â The duration and destination of your vacation can affect the cost of travel insurance. Longer journeys and travel to locations with higher healthcare expenditures or travel risks may result in higher premiums.
- Age and Number of Travelers:Â The age and quantity of travellers covered by the policy also influence cost. Older travellers and larger groups may pay higher premiums due to increased risk factors.
To acquire an accurate pricing quote for Puffin Travel Insurance, please visit their official website or contact their customer service team directly.
By supplying information about your travel and coverage requirements, you can receive a personalized quotation that represents the precise elements that influence the cost of your insurance policy. Comparing quotes from several insurers can help you locate the most outstanding value and coverage alternatives for your travel insurance needs.
Must read- RedSky Travel Insurance Reviews : Is it Worth Your Money?
Pros and Cons of Puffin Travel Insurance
Indeed, here are some potential benefits and disadvantages of Puffin Travel Insurance:
Pros:
- Comprehensive Coverage: Puffin Travel Insurance provides various coverage options to meet diverse travel demands, such as medical bills, trip cancellations, baggage loss, and more.
- Customizable Policies:Â Customers can adapt their insurance policies to match their needs by picking optional add-ons and upgrades, providing greater flexibility and personalized coverage.
- Competitive Pricing:Â Puffin Travel Insurance may have competitive pricing compared to the coverage and services supplied, making it an appealing alternative for budget-conscious travellers.
- 24/7 Customer Support:Â Puffin Travel Insurance often provides round-the-clock customer care, assisting and guiding travellers in an emergency or inquiry.
- Claims Process:Â Puffin Travel Insurance’s claims process is frequently simple and efficient, with claims being assessed and settled quickly, ensuring that passengers receive prompt resolution.
Cons:
- Coverage Limitations: Some travellers may discover that specific coverage limits or exclusions in Puffin Travel Insurance products only partially match their needs or expectations, necessitating a thorough study of policy details.
- Pre-Existing Conditions:Â Pre-existing medical issues coverage may be limited or subject to additional criteria or exclusions, which may impact travellers with pre-existing health concerns.
- Add-On Costs:Â Optional add-ons and upgrades may incur additional fees, raising the overall cost of the insurance coverage and potentially making it less affordable for some passengers.
- Policy Restrictions:Â Puffin Travel Insurance products may include restrictions or conditions, such as age limits, trip duration limits, or residency requirements, that may affect eligibility for coverage.
- Customer Service Experience:Â While Puffin Travel Insurance typically provides 24-hour customer service, travellers may notice variations in the quality of service or responsiveness of customer service professionals.
Travellers must carefully research the terms and conditions of Puffin Travel Insurance policies, evaluate their specific needs and preferences, and compare alternatives from several insurers before making an informed selection regarding their travel insurance coverage.
Puffin Travel Insurance Reviews on Third-party Websites
There are many third-party websites like Trustpilot and Better Business Bureau where we can find legitimate puffin travel insurance ratings ratings and actual user reviews.
Puffin Travel Insurance Reviews On Trustpilot: There are 20,352 reviews on Trustpilot with 4.7 stars and excellent ratings, where 80% of people have given 5-star reviews to Puffin Insurance, making them a legitimate insurance provider in the U.K.
Best alternative travel insurance to Puffin Travel Insurance
In the United Kingdom, various reliable alternatives to Puffin Travel Insurance exist. Here are a few of the top choices:
- InsureandGo: InsureandGo is a well-known travel insurance service in the United Kingdom, with various packages to meet different needs and budgets. They offer extensive coverage for medical expenditures, trip cancellations, baggage loss, and other incidents.
- Aviva Travel Insurance:Â Aviva is a reputable insurance company in the United Kingdom that provides travel insurance with various coverage options and low pricing. Their insurance offers emergency medical assistance, travel interruption, and personal liability coverage.
- Direct Line Travel Insurance:Â Direct Line is another popular travel insurance provider in the U.K., offering basic policies with extensive coverage and extra add-ons. They offer 24-hour emergency service and a simple claims process.
- Saga Travel Insurance:Â Saga specializes in insurance for people over 50, although they also offer travel insurance for all ages. They provide extensive coverage customized to the needs of senior travellers, such as medical bills, trip cancellations, and emergency services.
- Post Office Travel Insurance:Â The Post Office provides various travel insurance solutions with low pricing and extensive coverage. Their insurance covers travel cancellation, medical expenditures, and baggage loss, with optional add-ons available.
Before acquiring travel insurance from any provider, thoroughly research the policy details, coverage limitations, exclusions, and terms and conditions to ensure they match your unique requirements. When deciding the best option for Puffin Travel Insurance in the U.K., consider user reviews, reputation, and the claims processing process.
Final Verdict: Is Puffin Travel Insurance Right for You?
Whether Puffin Travel Insurance is right for you depends on several things. Puffin Travel Insurance could be a good fit if you value comprehensive coverage options, competitive prices, and dependable customer service. Their customizable policies accommodate travel demands, including coverage for common travel hazards such as medical emergencies, trip cancellations, and lost luggage.
And 20,000 customers have given Puffin Insurance a 4.7-star rating, far higher than industry norms. If you intend to purchase travel insurance, this is your ideal option. You can also cater to different insurance companies.
However, it is critical to carefully evaluate policy terms, coverage restrictions, and customer evaluations to verify that they meet your individual needs. If you value flexibility, cost, and pleasant customer service, Puffin Travel Insurance may fit your travel insurance needs well. Finally, analyze your specific circumstances and compare different insurers to get the best alternative for providing the coverage and peace of mind you require for your travels.
Is puffin travel insurance any good?
Puffin Travel Insurance provides various affordable coverage options, making it an attractive alternative for many travellers. However, the quality of service and the 4.7-star rating from 20,000 customers make it more trustworthy for anyone. It is critical to evaluate policy details, customer reviews, and claims experiences to determine whether Puffin Travel Insurance fulfils your individual needs and expectations for your forthcoming trip.
Who underwrites puffin insurance?
Puffin Travel Insurance is underwritten and administered by Inter Partner Assistance S.A. and is authorized and regulated by the National Bank of Belgium. They provide the financial resources and support required to handle Puffin Travel Insurance policies.