Read our latest money people online Admiral travel insurance review for families to find out more about which types policies Admiral offers and how they compare to other top holiday insurance providers.
Admiral travel insurance review for families 2025
There are currently more than fifty different travel insurance providers in the UK, all providing different levels of cover at different costs for British holidaymakers. Admiral travel insurance is considered to be one of the leading providers for families travelling abroad from the UK.
Travel insurance is essential for parents and families to make sure that their holiday is properly covered against loss, theft, and any medical emergencies. It is important to make sure that you not only get the right policy to protect your family but you also save money where you can.
Admiral travel insurance key features include:
- Three levels of cover (e.g. Platinum, Gold, and Core)
- Family travel insurance for one and two adults
- Up to Five children covered up to age 24 years
- 24 hour emergency customer helpline
- Single trip and annual trip options
- Five star Defaqto rating (Platinum)
- Up to £20 million emergency medical insurance
- Trustpilot score – 4.5 out of 5.0 Stars
In this review, our team of holiday insurance experts look at Admiral travel insurance and compare its cover to other leading brands. We look at what options are available for families travelling abroad and compare the cost of cover to the other top providers of holiday insurance.
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Who is Admiral travel insurance?
Admiral travel insurance is part of the Admiral insurance group which was originally established in 1993 in the United Kingdom. Admiral is most well-known for providing car insurance to British motorists And can usually be found on price comparison websites such as MoneySupermarket and Confused.com.
Admiral insurance is a trading name of EUI Limited Which is authorised and regulated by the Financial Conduct Authority (FCA). EUI Ltd. is a Subsidiary of Admiral group PLC which is a general insurance provider for car, home, van, and travel insurance policies.
In 2017, Admiral launched it’s travel insurance section of the business and sold its first holiday insurance policy. Over the past 10 years this has now become one of the main areas for Admiral insurance and a leading brand in UK holiday insurance.
Admiral Travel Insurance advert
Admiral Platinum travel insurance television advert shows a funnier side to holiday insurance. Appeared on national television in 2023.
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Is Admiral travel insurance any good?
Admiral is considered to be one of the UK’s leading travel insurance brands for families and individuals travelling abroad. Admiral travel insurance is a good option for holiday makers, with various levels of cover to choose from and a good customer review score on Trustpilot (4.5 out of 5.0).
Admiral insurance is a trusted brand for consumers with over 30 years of expertise and experience in the general insurance market. It is also considered to be one of the leading insurance brands on price comparison websites for price and service.
| Review service | Rating |
|---|---|
| Trust Pilot (Admiral Insurance) | 4.5 out of 5.0 Stars Reviews: 127,197 |
| Defaqto Rating | 5 Star (Platinum Cover) 4 Star (Gold Cover) 3 Star (Admiral Insurance) |
| Fairer Finance | Customer Happiness – 56% Customer Trust Score – 52% Complaints – 60% Transparency – 72% Overal – 60% (Bronze) |
| Which? | Platinum cover – 71% Gold cover – 66% Admiral cover – 59% |
Last updated: Tuesday 27th may 2025
Admiral travel insurance offers a range of comprehensive and flexible policy options, but it is still important to check customer feedback. One of the consistent problems that customers have highlighted is that the claims process can be difficult, which can be because of delays and difficulty communicating with its claims team.
Pros
- Policy excess waiver option
- Flexible options for families (e.g. 1 or 2 adult households)
- Up to 100 years of age (depending on circumstances)
- Winter sports and cruise holiday options
Cons
- Claims handling services
- Auto-renew annual trip cover (must be cancelled separately)
- Backpacker cover not available (over 365 days)
- Children must be accompanied by an adult travelling to an airport
Is Admiral travel insurance good for families?
Admiral family travel insurance offers a range of flexible and affordable options for parents travelling abroad with children. Admiral also caters for various different family dynamics, including single parents households. Family travel insurance policies cover one or two adults and up to five children living at the same address.
One of the main benefits of Admiral family travel insurance is that it covers children up to the age of 24 while still living at the family home. Another key benefit for families, is that adults and children are able to travel independently on the same policy, but children under the age of 18 must be accompanied by an adult When travelling to and from the airport.
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Who underwrites Admiral travel insurance?
Admiral travel insurance policies are underwritten by Admiral insurance (Gibraltar) limited, which is a subsidiary of Admiral group PLC. Previously, Admiral travel insurance policies were sold and packaged by third party insurers, including rock insurance group.
Admiral is now one of a handful of UK travel insurance providers who arranges and underwrites its own policies. This means that Admiral now has more control and greater autonomy to be able to design, price, and update its cover.
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What does Admiral travel insurance cover?
There are three main types and levels of cover that you can buy from Admiral travel insurance. These include its top tier of cover, known as Admiral Platinum, the middle tier is Admiral Gold, and the core level of cover is Admiral Insurance.
The table below shows the three different options that you can buy and how they differ from each other.
| Admiral Platinum | Admiral Gold | Admiral Insurance | |
|---|---|---|---|
| emergency medical expenses | £20 million | £15 million | £10 million |
| Cancellation or curtailment (medical) | £5,000 | £3,000 | £1,500 |
| Lost, theft, or damage to personal belongings | £2,500 | £2,000 | £1,000 |
| Delays or missed departures | £5,000 | £3,000 | £1,500 |
| Money and documents cover | £500 | £400 | £300 |
| Personal accident cover | £12,500 | £7,500 | £5,000 |
| Legal assistance cover | £30,000 | £20,000 | £20,000 |
| Natural disaster cover | £1,500 | £1,000 | Not included |
| Personal liability cover | £3 million | £3 million | £3 million |
| Claim excess amounts | £50 | £75 | £100 |
Note: there are also options to include additional specialist types of travel insurance, such as winter sports cover and cruise travel insurance. If either of these apply, then you must specify that this is your type of holiday before taking out a policy or you may not be covered in the event of claim.
How much does Admiral travel insurance cost?
The tables below show several cost examples of different levels of cover and options for families. These are a Quick guide to help you to compare the cost of Admiral travel insurance against any other quotes you have.
These quotes and figures are for illustration purposes only, and should not be seen as a definitive result for your specific circumstances. Travel insurance quotes can vary significantly depending on your medical background and the specific details of your holiday.
Single trip Admiral Family Travel Insurance premiums (One week European trip)
| Admiral Insurance | Admiral Gold | Admiral Platinum | |
|---|---|---|---|
| Policy Excess | £100 | £75 | £50 |
| Medical Expenses | £10,000 | £15,000 | £20,000 |
| Cancellation Cover | £1,500 | £3,000 | £5,000 |
| Belongings Cover | £1,000 | £2,000 | £3,000 |
| Family of Four – Age 30 years | £41.78 | £66.37 | £90.96 |
| Family of Four – Age 35 years | £42.80 | £67.99 | £93.17 |
| Family of Four – Age 40 years | £43.73 | £65.98 | £95.17 |
Annual Admiral Family Travel Insurance premiums (European Travel)
| Admiral Insurance | Admiral Gold | Admiral Platinum | |
|---|---|---|---|
| Policy Excess | £100 | £75 | £50 |
| Medical Expenses | £10,000 | £15,000 | £20,000 |
| Cancellation Cover | £1,500 | £3,000 | £5,000 |
| Belongings Cover | £1,000 | £2,000 | £3,000 |
| Family of Four – Age 30 years | £48.05 | £76.33 | £104.60 |
| Family of Four – Age 35 years | £45.71 | £69.61 | £107.15 |
| Family of Four – Age 40 years | £47.90 | £72.95 | £109.44 |
Quotes created: 27th May 2025
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Is Admiral family travel insurance cheap?
When we compared Admiral travel insurance to other leading holiday insurance brands, we found that it was consistently one of the cheapest options for families and individual travellers. Admiral also offers other exclusive discounts and options that can help to reduce the cost of cover, such as:
- Quidco: £10 cashback (annual trip) / £5 cashback (single trip)
- TopCashback: £12 cashback (annual trip) / £7 cashback (single trip)
When you compare travel insurance options for your family, it’s important to take all factors in to account, including:
- Price
- Quality of cover
- Cover options and flexibility
- Customer reviews
- Exclusions or Terms & Conditions
Note: not all travel insurance policies are like for like policies and so you should check your cover wording carefully before you purchase cover.
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Is Admiral travel insurance good for pre-existing medical conditions?
From our extensive research and many years of experience, there are certainly better options for people with pre-existing medical conditions than Admiral travel insurance. Whilst Admiral does aim to offer cover for people with pre-existing conditions, premiums can be significantly higher then other specialist travel insurance providers.
When you apply for Admiral travel insurance, you will be able to disclose any medical conditions on its application form. If you are unable to get cover through Admiral because of your medical history, then you should check our medical travel insurance comparison tool for alternatives.
Note: you must disclose any pre-existing medical conditions to make sure that you are properly protected when travelling abroad.
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What is not covered by Admiral travel insurance (Exclusions)?
There are several common exclusions with Admiral travel insurance that you should be aware of before purchasing a policy. Below is a list of the top exclusions that’s Admiral applies to its travel insurance policies:
- Pre-existing medical conditions (not been disclosed on your application).
- Travel against the advice of a doctor.
- Travel against the advice of the FCDO.
- Winter sports or cruises without specific policy upgrades.
- Quad bikes or all-terrain vehicle accidents.
- Travel to receive medical or cosmetic treatment.
- Unpaid policy excess claims.
- Bankruptcy of holiday provider.
- Bankruptcy of airline company.
You should check your policy documents and terms & conditions very carefully to make sure that your cover is adequate and appropriate for your trip.
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What is Admiral’s travel insurance age limit?
For single trip travel insurance, Admiral will cover up to 100 years of age and annual trip travel insurance is a maximum of 90 years of age. Other age limit may apply depending on your holiday destination and any pre-existing medical conditions. Winter sports cover is available up to a maximum of 75 years of age in Europe 70 years of age for US or other non-European destinations.
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How can I make a claim with Admiral travel insurance?
The easiest and most convenient way to make a claim with Admiral travel insurance is by using it online claims portal. This service allows you to quickly enter your claim details online without having to wait for a claims person on the telephone.
Link: https://www.admiral.com/existing-customers/make-a-claim.php/travel
You can also make a claim over the telephone if you would prefer to speak to somebody directly by calling 0333 220 2033.. Telephone lines are available Monday to Friday from 8am to 8pm and Saturday between 9am and 3pm.
Documentation required to make a claim:
- Proof of travel (booking confirmation or tickets)
- Receipts (for any costs incured by your claim)
- Police report (for any theft or loss of belongings)
- Medical reports
- Communications or correspondence
You should have these documents available before you make a claim to help speed up the process.
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How can I contact Admiral travel insurance?
For the main contact details and information for Admiral travel insurance, please see below:
By phone:
- Customer service: 0333 234 9913 (Mon to Fri 9am to 5pm)
- Claims handling: 0333 220 2033 (times see above)
- Emergency medical helpline: 0292 010 7777 (available 24/7)
Online help:
- Webchat: visit the Contact Us page on Admiral’s website to use webchat (available Monday to Friday between 8:30am and 5pm).
By post:
Admiral Insurance Limited
Ty Admiral,
Cardiff,
CF10 2EH
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Admiral family travel insurance review summary
We can clearly see that Admiral travel insurance is considered to be a good option for families travelling abroad. Cover is flexible and there are several options to help make premiums more affordable if price is an issue.
Admiral insurance is also highly rated by its customers on Trustpilot as well as by independent financial review services, such as Defaqto and Fairer Finance. Some of the biggest issues that we found with Admiral travel insurance is its claims process and some cover options aren’t as comprehensive as other similarly priced policies.
Admiral family travel insurance is a good option for parents because of the levels of cover that it offers for children and adults. There are also flexible options available for single-parent families and other types of family dynamics. We found that premiums for families was competitive compared to other top holiday insurance providers, and it consistently placed Admiral in the Top 10 for pricing.
