Flexicover

Flexicover is one of a number of brands owned by specialist travel insurance broker, Citybond Holdings.

It offers some specialist options such as gap year cover and long stay policies, which are designed to cover you for between three and six months.

Flexicover uses German insurance giant Union Reiseversicherung AG to underwrite its policies.

Citybond Holdings also owns other travel insurance brands including Top Dog Insurance and Spectrum.

Flexicover
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Travel insurance

Ranked 49th of 59 providers reviewed.

Customer happiness 55%
Customer trust 40%
Complaints performance 56%
Transparency rating 34%
Fairer Finance score
Reviewed Spring 2019
46%

Travel insurance

Annual multi-trip insurance

Flexicover

Premier (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Flexicover

Premier (Money Supermarket)

4 stars
Medical excess i £0
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Flexicover

Gold

4 stars
Medical excess i £65
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 50 days
Emergency medical cover and repatriation i £7,500,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Flexicover

Platinum

4 stars
Medical excess i £0
Cancelling before travel i £10,000
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 50 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £10,000
Abandoning your trip i £10,000
Lost or stolen cash i £350
Combined passport & travel i £750
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Flexicover

Silver

3 stars
Medical excess i £95
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £750
Max trip duration i 50 days
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £150
Combined passport & travel i £250
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Flexicover

Standard (Comparison Site)

2 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Flexicover

Economy (Money Supermarket)

2 stars
Medical excess i £100
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £500
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Flexicover

Standard (Money Supermarket)

2 stars
Medical excess i £50
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Flexicover

Economy (Comparison Site)

1 stars
Medical excess i £250
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £750
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Flexicover

Bronze

1 stars
Medical excess i £125
Cancelling before travel i £750
Personal possessions & baggage - damaged, lost or stolen i £0
Max trip duration i 50 days
Emergency medical cover and repatriation i £2,500,000
Cutting trip short/curtailment i £750
Abandoning your trip i £0
Lost or stolen cash i £0
Combined passport & travel i £0
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

Flexicover

Bronze

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Silver

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Gold

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Platinum

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Economy (Comparison Site)

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Standard (Comparison Site)

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Premier (Comparison Site)

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Economy (Money Supermarket)

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Standard (Money Supermarket)

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Flexicover

Premier (Money Supermarket)

2 stars
Missed port departure i £1,500
Re-joining a cruise i £0
Cabin confinement i £300
Missed port departure excess i £0
Timetable/itinerary change i £300
Unused excursions i £300

Single trip insurance

Flexicover

Premier (Comparison Site)

4 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £500
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500

Flexicover

Premier (Money Supermarket)

4 stars
Medical excess i £0
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £500
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500

Flexicover

Gold

4 stars
Medical excess i £65
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £7,500,000
Cutting trip short/curtailment i £5,000
Missed departure i £500
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £500

Flexicover

Platinum

4 stars
Medical excess i £0
Cancelling before travel i £10,000
Personal possessions and baggage - damaged, lost or stolen i £3,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £10,000
Missed departure i £750
Abandoning your trip i £10,000
Lost or stolen cash i £350
Combined passport & travel i £750

Flexicover

Standard (Comparison Site)

2 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300

Flexicover

Economy (Money Supermarket)

2 stars
Medical excess i £100
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300

Flexicover

Standard (Money Supermarket)

2 stars
Medical excess i £50
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300

Flexicover

Silver

2 stars
Medical excess i £95
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £750
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £500
Abandoning your trip i £0
Lost or stolen cash i £150
Combined passport & travel i £250

Flexicover

Economy (Comparison Site)

1 stars
Medical excess i £250
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £750
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £300

Flexicover

Bronze

1 stars
Medical excess i £125
Cancelling before travel i £750
Personal possessions and baggage - damaged, lost or stolen i £0
Emergency medical cover and repatriation i £2,500,000
Cutting trip short/curtailment i £750
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £0
Combined passport & travel i £0

Winter sports add-on

Flexicover

Platinum

4 stars
Ski equipment owned i £1,200
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £0
Ski equipment hired i £600
Single item limit for hired equipment i £250
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500

Flexicover

Silver

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £95
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Gold

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £65
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Premier (Comparison Site)

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Economy (Money Supermarket)

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £100
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Standard (Money Supermarket)

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Premier (Money Supermarket)

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £0
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Bronze

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £125
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Economy (Comparison Site)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £250
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500

Flexicover

Standard (Comparison Site)

2 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £150
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £150
Piste closure i £200
Unused ski pass due to illness or injury i £500