virgin money travel insurance make a claim

Virgin Money Travel Insurance

Find out if virgin money has the right travel insurance for your next trip.

In this guide

Who is Virgin Money?

Virgin money and pandemic cover.

• What are Virgin Money's cover options
• What's covered under these policies?

What is my excess?

What is the claims process for virgin money travel insurance.

Virgin Money is a financial services brand from the Virgin Group, and launched operations as Virgin Direct in 1995. The Virgin Money brand was introduced in 2000, and has increased vastly in size since then, now reaching 4 million customers.

Virgin Money now offers banking services, insurance, currency exchange, and numerous more financial services.

Who underwrites Virgin Money's travel insurance?

When planning a trip away, you want the peace of mind that you’re covered if something goes wrong. Travel insurance is the best way to make sure you’re protected in an emergency, and if you’ve had something go wrong when you’re abroad before, you know how important it can be.

Virgin Money has relaunched travel insurance for new customers with additional cover for coronavirus.

New customers can now buy policies which will include cover for medical expenses, cancellation and curtailment as a result of being diagnosed with Coronavirus. Existing customers are now automatically covered.

New customers will benefit from:

• Medical expenses – policyholders will be covered for medical expenses if they require treatment for coronavirus while abroad. Additional accommodation costs (up to £2,000) will also be included if treatment means customers need to extend their trip.
• Cancelling or cutting a trip short – customers will also be covered if the policyholder, or a member of their family or travelling party, are medically diagnosed with coronavirus or personally instructed to isolate by an NHS service or medical professional.

What are Virgin Money’s cover options

Virgin Money offer single-trip, annual multi-trip and backpacker insurance, as well as a range of optional extras.

With each of their cover options, Virgin Money offer four levels of cover: Red, Silver, Gold and Black. With Red being the lowest form of cover, and Black being the highest, the level of cover and other benefits vary for each option.

• Single trip cover
• Annual multi trip cover
• Backpacker travel insurance
• Optional extras

Virgin Money’s single trip cover is intended to cover you for just one trip you make.

Features of the policy include:

• Cover for 88 different sports and activities
• 24/7 emergency medical assistance helpline
• Exclusive discounts to all Virgin Group customers
• Cover for lost, damaged, delayed or stolen baggage and money

Virgin Money’s annual multi trip cover allows you to take an unlimited amount of trips within a year. Each trip can be as long as 31 days for Red cover, and up to 90 days with Gold or Black cover.

• Winter sports are covered as standard
• Hassle free for all-year cover

Features of the policy:

• Ideal for student gap years
• Can add optional extras to suit your needs
• Cover for up to 88 different sports and leisure activities
• Travel disruption cover
• Winter sports cover
• Adjustable excess levels
• Business cover

What’s covered under these policies?

All of Virgin Money’s travel insurance policies offer the same four levels of cover. As you would expect, policy payouts increase for each category as you move from red to black cover.

All levels include cover for the following areas:

• Medical expenses
• Hospital benefit
• Delayed baggage
• Personal money
• Cancellation
• Delayed departure
• Missed departure
• Trip cut short

An excess is the amount of money you contribute to each claim you make before Virgin Money pay out. The excess is different for each of the policy options, but you have the choice to adjust the excess level to suit what premium you would like to pay.

Make sure to check your policy schedule where your excess information will be shown in detail.

To make a claim with Virgin Money you will need to get in contact by phone. email or by letter. Virgin Money will then reply and send a claims form to you, which you will have to fill out and attach any documents they’ve asked for. Once Virgin Money have your form and documents, they’ll process your claim.

If you need to call Virgin Money in an emergency, call +44 (0)207 748 8908.

For general claims, call +44 (0)330 400 1265, or email: [email protected].

If you would rather write to Virgin Money, the mailing address is: Virgin Money Travel Insurance Claims One Victoria Street Bristol Bridge Bristol BS1 6AA

Travel insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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Chris Lilly

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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