Puffin Insurance

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 Inter Partner Assistance S.A. They are based in Cardiff, Wales with call centres within the UK.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Pet insurance

12 products reviewed

Cat insurance

6 products reviewed

Puffin Insurance

Maximum Benefit Platinum

Feature Value
Medical excess
£110.00
Type of cover
Maximum benefit, condition
Medical cover limit
£5,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
N/A
Annual condition limit
£5,500.00
Lifetime policy limit
N/A
Lifetime condition limit
£5,500.00
Puffin Insurance

Maximum Benefit Silver

Feature Value
Medical excess
£110.00
Type of cover
Maximum benefit, condition
Medical cover limit
£3,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
N/A
Annual condition limit
£3,500.00
Lifetime policy limit
N/A
Lifetime condition limit
£3,500.00
Puffin Insurance

Lifetime Platinum

Feature Value
Medical excess
£110.00
Type of cover
Lifetime, annual
Medical cover limit
£5,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£5,500.00
Annual condition limit
N/A
Lifetime policy limit
£5,500.00
Lifetime condition limit
N/A
Puffin Insurance

Lifetime Silver

Feature Value
Medical excess
£110.00
Type of cover
Lifetime, annual
Medical cover limit
£3,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£3,500.00
Annual condition limit
Lowest of market price, purchase price up to fixed amount
Lifetime policy limit
£3,500.00
Lifetime condition limit
N/A
Puffin Insurance

Lifetime Gold

Feature Value
Medical excess
£110.00
Type of cover
Lifetime, annual
Medical cover limit
£4,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£4,500.00
Annual condition limit
N/A
Lifetime policy limit
£4,500.00
Lifetime condition limit
N/A
Puffin Insurance

Maximum Benefit Gold

Feature Value
Medical excess
£110.00
Type of cover
Maximum benefit, condition
Medical cover limit
£4,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
N/A
Annual condition limit
£4,500.00
Lifetime policy limit
N/A
Lifetime condition limit
£4,500.00
Dog insurance

6 products reviewed

Puffin Insurance

Lifetime Platinum

Feature Value
Medical excess
£110.00
Type of cover
Lifetime, annual
Medical cover limit
£5,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£5,500.00
Annual condition limit
N/A
Lifetime policy limit
£5,500.00
Lifetime condition limit
N/A
Puffin Insurance

Lifetime Gold

Feature Value
Medical excess
£110.00
Type of cover
Lifetime, annual
Medical cover limit
£4,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£4,500.00
Annual condition limit
N/A
Lifetime policy limit
£4,500.00
Lifetime condition limit
N/A
Puffin Insurance

Maximum Benefit Platinum

Feature Value
Medical excess
£110.00
Type of cover
Maximum benefit, condition
Medical cover limit
£5,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
N/A
Annual condition limit
£5,500.00
Lifetime policy limit
N/A
Lifetime condition limit
£5,500.00
Puffin Insurance

Maximum Benefit Gold

Feature Value
Medical excess
£110.00
Type of cover
Maximum benefit, condition
Medical cover limit
£4,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
N/A
Annual condition limit
£4,500.00
Lifetime policy limit
N/A
Lifetime condition limit
£4,500.00
Puffin Insurance

Lifetime Silver

Feature Value
Medical excess
£110.00
Type of cover
Lifetime, annual
Medical cover limit
£3,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
£3,500.00
Annual condition limit
Lowest of market price, purchase price up to fixed amount
Lifetime policy limit
£3,500.00
Lifetime condition limit
N/A
Puffin Insurance

Maximum Benefit Silver

Feature Value
Medical excess
£110.00
Type of cover
Maximum benefit, condition
Medical cover limit
£3,500.00
If renewed, are existing conditions covered? Yes
Annual policy limit
N/A
Annual condition limit
£3,500.00
Lifetime policy limit
N/A
Lifetime condition limit
£3,500.00

Travel insurance

16 products reviewed

Annual multi-trip insurance

3 products reviewed

Puffin Insurance

Gold

Feature Value
Medical excess
£75.00
Cancelling before travel cover limit
£3,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Puffin Insurance

Platinum

Feature Value
Medical excess
£50.00
Cancelling before travel cover limit
£5,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Puffin Insurance

Silver

Feature Value
Medical excess
£99.00
Cancelling before travel cover limit
£2,000.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£525.00
Natural disaster relocation cover Yes
Single trip insurance

3 products reviewed

Puffin Insurance

Gold

Feature Value
Cancelling before travel cover limit
£3,000.00
Medical excess
£75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Puffin Insurance

Platinum

Feature Value
Cancelling before travel cover limit
£5,000.00
Medical excess
£50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,500.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£750.00
Natural disaster relocation cover Yes
Puffin Insurance

Silver

Feature Value
Cancelling before travel cover limit
£2,000.00
Medical excess
£99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit
£2,000.00
Emergency medical cover and repatriation cover limit
£15,000,000.00
Missed departure cover limit
£525.00
Natural disaster relocation cover Yes
Travel Insurance Covid-19 Cover

3 products reviewed

Puffin Insurance

Silver

Feature Value
Puffin Insurance

Gold

Feature Value
Puffin Insurance

Platinum

Feature Value
Travel insurance add-on: cruise cover

3 products reviewed

Puffin Insurance

Platinum

Feature Value
Missed port departure cover limit
£0.00
Re-joining a cruise cover limit
£0.00
Cabin confinement cover limit
£1,500.00
Missed port departure excess
N/A
Timetable/itinerary change cover limit
£750.00
Unused excursions cover limit
£750.00
Puffin Insurance

Gold

Feature Value
Missed port departure cover limit
£0.00
Re-joining a cruise cover limit
£0.00
Cabin confinement cover limit
£1,500.00
Missed port departure excess
N/A
Timetable/itinerary change cover limit
£500.00
Unused excursions cover limit
£500.00
Puffin Insurance

Silver

Feature Value
Missed port departure cover limit
£0.00
Re-joining a cruise cover limit
£0.00
Cabin confinement cover limit
£1,500.00
Missed port departure excess
N/A
Timetable/itinerary change cover limit
£250.00
Unused excursions cover limit
£250.00
Travel insurance add-on: gadget cover

1 product reviewed

Puffin Insurance

Gadget Cover Extension

Feature Value
Available for which products?
Available for all of their travel products
Accidental loss cover Yes
Accidental loss cover limit
£2,000.00
Maximum single-item cover limit
£2,000.00
Travel insurance add-on: winter sports

3 products reviewed

Puffin Insurance

Platinum

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£500.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£200.00
Puffin Insurance

Gold

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£500.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£200.00
Puffin Insurance

Silver

Feature Value
Ski equipment owned cover limit
£500.00
Single owned item cover limit
£500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment
£250.00
Ski equipment hired
£500.00
Piste closure cover limit
£400.00
Unused ski pass due to illness or injury
£200.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Travel insurance

Ranked 29th of 40 providers reviewed

Customer happiness score 55.57%
Customer trust score 47.1%
Complaints performance 52.07%
Transparency rating 70.36%

Fairer Finance Score

Reviewed Autumn 2026

 56.28%