Puffin Insurance

In November 2018, The Times newspaper published an investigation into Travel Insurance Facilities (TIF), which provides insurance for Puffin Insurance. TIF refutes the allegations and is contesting them through the courts. Until this case is resolved, we have removed our ratings of TIF's products.

Puffin Insurance is an online insurance provider providing travel and pet insurance. Their travel insurance offer cover to people aged 15-85, including those with pre-existing medical conditions. Puffin Insurance aims to keep its overheads low in an effort to offer cheaper products than its competitors. Its travel insurance policies are underwritten by Travel Insurance Facilities and insured by URV. They are based in Cardiff, Wales with call centres within the UK.

Puffin Insurance
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Travel insurance

Ranked 34th of 36 providers reviewed.

Customer happiness 35.42%
Customer trust 21.53%
Complaints performance 56.68%
Transparency rating 51.42%
Fairer Finance score
Reviewed Autumn 2021
41%

Pet insurance

Cat insurance

Puffin Insurance

Lifetime Platinum

4 stars
Medical cover limit i £5,500
Dental cover (if due to an accident) i £5,500
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit i 5,500
Cruciate ligament damage i £5,500
CT scans i £5,500
MRI scans i £5,500
Prescription diet (treatment of bladder stones only) i £5,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Lifetime Silver

4 stars
Medical cover limit i £3,500
Dental cover (if due to an accident) i £3,500
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit i 3,500
Cruciate ligament damage i £3,500
CT scans i £3,500
MRI scans i £3,500
Prescription diet (treatment of bladder stones only) i £3,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Lifetime Gold

4 stars
Medical cover limit i £4,500
Dental cover (if due to an accident) i £4,500
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit i 4,500
Cruciate ligament damage i £4,500
CT scans i £4,500
MRI scans i £4,500
Prescription diet (treatment of bladder stones only) i £4,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Condition LImited Silver

3 stars
Medical cover limit i
Medical cover limit i £1,500
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Annual condition limit i £1,500
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Lifetime condition limit i
Annual policy limit i 3,500
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Condition Limited Platinum

3 stars
Medical cover limit i £2,250
Dental cover (if due to an accident) i £2,250
If renewed, are existing conditions covered? i
Annual condition limit i £2,250
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Annual policy limit i 5,500
Cruciate ligament damage i £2,250
CT scans i £2,250
MRI scans i £2,250
Prescription diet (treatment of bladder stones only) i £2,250
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Condition Limited Gold

3 stars
Medical cover limit i £2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Annual condition limit i £2,000
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Annual policy limit i 4,500
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Condition Limited Bronze

2 stars
Medical cover limit i £1,000
Dental cover (if due to an accident) i £1,000
If renewed, are existing conditions covered? i
Annual condition limit i £1,000
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Annual policy limit i 1,250
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £1,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Puffin Insurance

Lifetime Bronze

2 stars
Medical cover limit i £1,250
Medical cover limit i
Dental cover (if due to an accident) i £1,250
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i
Annual policy limit i 1,250
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £1,250
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Cancellation fee i £0
Amendment fee i £0

Dog insurance

Puffin Insurance

Lifetime Platinum

4 stars
Medical cover limit i 5,500
Dental cover (if due to an accident) i £5,500
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit i £5,500
Cruciate ligament damage i £5,500
CT scans i £5,500
MRI scans i £5,500
Prescription diet (treatment of bladder stones only) i £5,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Lifetime Silver

4 stars
Medical cover limit i 3,500
Dental cover (if due to an accident) i £3,500
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit i £3,500
Cruciate ligament damage i £3,500
CT scans i £3,500
MRI scans i £3,500
Prescription diet (treatment of bladder stones only) i £3,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Lifetime Gold

4 stars
Medical cover limit i 4,500
Dental cover (if due to an accident) i £4,500
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Annual policy limit i £4,500
Cruciate ligament damage i £4,500
CT scans i £4,500
MRI scans i £4,500
Prescription diet (treatment of bladder stones only) i £4,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Condition Limited Platinum

3 stars
Medical cover limit i 2,250
Dental cover (if due to an accident) i £2,250
If renewed, are existing conditions covered? i
Annual condition limit i £2,250
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Annual policy limit i £5,500
Cruciate ligament damage i £2,250
CT scans i £2,250
MRI scans i £2,250
Prescription diet (treatment of bladder stones only) i £2,250
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Condition Limited Silver

3 stars
Medical cover limit i
Medical cover limit i 1,500
Dental cover (if due to an accident) i £1,500
If renewed, are existing conditions covered? i
Annual condition limit i £1,500
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i Unlimited
Annual policy limit i £3,500
Cruciate ligament damage i £1,500
CT scans i £1,500
MRI scans i £1,500
Prescription diet (treatment of bladder stones only) i £1,500
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Condition Limited Gold

3 stars
Medical cover limit i
Medical cover limit i 2,000
Dental cover (if due to an accident) i £2,000
If renewed, are existing conditions covered? i
Annual condition limit i £2,000
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i Unlimited
Annual policy limit i £4,500
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Condition Limited Bronze

2 stars
Medical cover limit i 1,000
Dental cover (if due to an accident) i £1,000
If renewed, are existing conditions covered? i
Annual condition limit i £1,000
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Annual policy limit i £1,250
Cruciate ligament damage i £1,000
CT scans i £1,000
MRI scans i £1,000
Prescription diet (treatment of bladder stones only) i £1,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Puffin Insurance

Lifetime Bronze

2 stars
Medical cover limit i
Medical cover limit i 1,250
Dental cover (if due to an accident) i £1,250
If renewed, are existing conditions covered? i
Annual condition limit i
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i
Annual policy limit i £1,250
Cruciate ligament damage i £1,250
CT scans i £1,250
MRI scans i £1,250
Prescription diet (treatment of bladder stones only) i £1,250
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

4 stars
Cancelling before travel cover limit i £1,500
Medical excess i £99
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £1,500
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £150
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 32 days
4 stars
Cancelling before travel cover limit i £3,000
Medical excess i £75
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £150
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 32 days

Puffin Insurance

Platinum

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,500
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Mental health cover i
Lost or stolen cash i £300
Combined passport & travel cover limit i £150
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 45 days

Single trip insurance

4 stars
Cancelling before travel cover limit i £3,000
Medical excess i £75
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £150
Missed departure cover limit i £750
4 stars
Cancelling before travel cover limit i £1,500
Medical excess i £99
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Cutting trip short cover limit i £1,500
Abandoning your trip cover limit i £1,500
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £150
Missed departure cover limit i £525

Puffin Insurance

Platinum

4 stars
Cancelling before travel cover limit i £5,000
Medical excess i £50
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Emergency medical cover and repatriation cover limit i £10,000,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £150
Missed departure cover limit i £750

Travel insurance add-on: winter sports

Puffin Insurance

Platinum

1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £0
Piste closure cover limit i £0
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Unused ski pass due to illness or injury i £200
1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £0
Piste closure cover limit i £0
Ski equipment owned excess i £75
Ski equipment hired i £500
Single item limit for hired equipment i £500
Unused ski pass due to illness or injury i £200
1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Avalanche closure cover limit i £0
Piste closure cover limit i £0
Ski equipment owned excess i £99
Ski equipment hired i £500
Single item limit for hired equipment i £500
Unused ski pass due to illness or injury i £200

Travel Insurance Covid-19 Cover

5 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)
5 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

Puffin Insurance

Platinum

5 stars
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Does the policy cover medical cover if you catch Covid-19?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)