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 39th of 39 providers reviewed.

Customer happiness 29.63%
Customer trust 17.45%
Complaints performance 60.66%
Transparency rating 39.22%
Fairer Finance score
Reviewed Spring 2022
37%

Pet insurance

Cat insurance

Puffin Insurance

Lifetime Platinum

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,500.00
Medical excess i £99.00
Annual policy limit i £5,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,500.00
Cruciate ligament damage i £5,500.00
CT scans i £5,500.00
MRI scans i £5,500.00
Prescription diet (treatment of bladder stones only) i £5,500.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £5,500.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Lifetime Silver

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,500.00
Medical excess i £99.00
Annual policy limit i £3,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,500.00
Cruciate ligament damage i £3,500.00
CT scans i £3,500.00
MRI scans i £3,500.00
Prescription diet (treatment of bladder stones only) i £3,500.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £3,500.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Lifetime Gold

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,500.00
Medical excess i £99.00
Annual policy limit i £4,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,500.00
Cruciate ligament damage i £4,500.00
CT scans i £4,500.00
MRI scans i £4,500.00
Prescription diet (treatment of bladder stones only) i £4,500.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £4,500.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Silver

3 stars
Type of cover i Lifetime, condition-based
Medical cover limit i £1,500.00
Medical cover limit i
Medical excess i £99.00
Annual policy limit i £3,500.00
Annual condition limit i £1,500.00
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £1,500.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Platinum

3 stars
Type of cover i Lifetime, condition-based
Medical cover limit i £2,250.00
Medical excess i £99.00
Annual policy limit i £5,500.00
Annual condition limit i £2,250.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £2,250.00
Cruciate ligament damage i £2,250.00
CT scans i £2,250.00
MRI scans i £2,250.00
Prescription diet (treatment of bladder stones only) i £2,250.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £2,250.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Gold

3 stars
Type of cover i Lifetime, condition-based
Medical cover limit i £2,000.00
Medical excess i £99.00
Annual policy limit i £4,500.00
Annual condition limit i £2,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £2,000.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Lifetime Bronze

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £1,250.00
Medical cover limit i
Medical excess i £99.00
Annual policy limit i £1,250.00
Annual condition limit i
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £1,250.00
Cruciate ligament damage i £1,250.00
CT scans i £1,250.00
MRI scans i £1,250.00
Prescription diet (treatment of bladder stones only) i £1,250.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £1,250.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Bronze

2 stars
Type of cover i Lifetime, condition-based
Medical cover limit i £1,000.00
Medical excess i £99.00
Annual policy limit i £1,250.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,000.00
Complementary treatment i £1,000.00
Boarding fees limit i £0.00
Death benefit (illness) i £250.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Holiday cancellation i £0.00
Holiday cover i £1,000.00
Quarantine costs cover i £0.00
Loss of PETS passport or other travel documents i £0.00
Emergency expenses abroad i £0.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 7 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

Puffin Insurance

Lifetime Platinum

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £5,500.00
Medical excess i £99.00
Annual policy limit i £5,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £5,500.00
Cruciate ligament damage i £5,500.00
CT scans i £5,500.00
MRI scans i £5,500.00
Prescription diet (treatment of bladder stones only) i £5,500.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £5,500.00
If renewed, are existing conditions covered? i

Puffin Insurance

Lifetime Silver

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £3,500.00
Medical excess i £99.00
Annual policy limit i £3,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £3,500.00
Cruciate ligament damage i £3,500.00
CT scans i £3,500.00
MRI scans i £3,500.00
Prescription diet (treatment of bladder stones only) i £3,500.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £3,500.00
If renewed, are existing conditions covered? i

Puffin Insurance

Lifetime Gold

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,500.00
Medical excess i £99.00
Annual policy limit i £4,500.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,500.00
Cruciate ligament damage i £4,500.00
CT scans i £4,500.00
MRI scans i £4,500.00
Prescription diet (treatment of bladder stones only) i £4,500.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £4,500.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Platinum

3 stars
Type of cover i Lifetime, condition-based
Medical cover limit i £2,250.00
Medical excess i £99.00
Annual policy limit i £5,500.00
Annual condition limit i £2,250.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £2,250.00
Cruciate ligament damage i £2,250.00
CT scans i £2,250.00
MRI scans i £2,250.00
Prescription diet (treatment of bladder stones only) i £2,250.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £2,250.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Silver

3 stars
Type of cover i Lifetime, condition-based
Medical cover limit i
Medical cover limit i £1,500.00
Medical excess i £99.00
Annual policy limit i £3,500.00
Annual condition limit i £1,500.00
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,500.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £1,500.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Gold

3 stars
Type of cover i Lifetime, condition-based
Medical cover limit i
Medical cover limit i £2,000.00
Medical excess i £99.00
Annual policy limit i £4,500.00
Annual condition limit i £2,000.00
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £2,000.00
Cruciate ligament damage i £2,000.00
CT scans i £2,000.00
MRI scans i £2,000.00
Prescription diet (treatment of bladder stones only) i £2,000.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Puffin Insurance

Condition Limited Bronze

2 stars
Type of cover i Lifetime, condition-based
Medical cover limit i £1,000.00
Medical excess i £99.00
Annual policy limit i £1,250.00
Annual condition limit i £1,000.00
Lifetime policy limit i Unlimited
Lifetime condition limit i Unlimited
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,000.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £1,000.00
If renewed, are existing conditions covered? i

Puffin Insurance

Lifetime Bronze

2 stars
Type of cover i Lifetime, annual
Medical cover limit i
Medical cover limit i £1,250.00
Medical excess i £99.00
Annual policy limit i £1,250.00
Annual condition limit i
Lifetime policy limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £1,250.00
Cruciate ligament damage i £1,250.00
CT scans i £1,250.00
MRI scans i £1,250.00
Prescription diet (treatment of bladder stones only) i £1,250.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £0.00
Cremation i £0.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £0.00
Holiday cover i £1,250.00
If renewed, are existing conditions covered? i

Travel insurance

Annual multi-trip insurance

4 stars
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500.00
Cancelling before travel cover limit i £1,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel cover limit i £150.00
Cutting trip short cover limit i £1,500.00
Abandoning your trip cover limit i £1,500.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 32 days
4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel cover limit i £150.00
Cutting trip short cover limit i £3,000.00
Abandoning your trip cover limit i £3,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i 32 days

Puffin Insurance

Platinum

4 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,500.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £300.00
Combined passport & travel cover limit i £150.00
Cutting trip short cover limit i £5,000.00
Abandoning your trip cover limit i £5,000.00
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 £3,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short cover limit i £3,000.00
Missed departure cover limit i £750.00
Abandoning your trip cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel cover limit i £150.00
4 stars
Cancelling before travel cover limit i £1,500.00
Medical excess i £99.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short cover limit i £1,500.00
Missed departure cover limit i £525.00
Abandoning your trip cover limit i £1,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel cover limit i £150.00

Puffin Insurance

Platinum

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cutting trip short cover limit i £5,000.00
Missed departure cover limit i £750.00
Abandoning your trip cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £300.00
Combined passport & travel cover limit i £150.00

Travel insurance add-on: cruise cover

Puffin Insurance

Platinum

2 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £1,500.00
Unused excursions cover limit i £1,500.00
2 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £1,500.00
Unused excursions cover limit i £1,500.00
2 stars
Missed port departure cover limit i £1,000.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i £0.00
Timetable/itinerary change cover limit i £1,500.00
Unused excursions cover limit i £1,500.00

Travel insurance add-on: winter sports

Puffin Insurance

Platinum

4 stars
Ski equipment owned cover limit i £3,000.00
Single owned item cover limit i £750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £1,000.00
Piste closure cover limit i £1,000.00
Ski equipment owned excess i £0.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £1,000.00
4 stars
Ski equipment owned cover limit i £3,000.00
Single owned item cover limit i £750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500.00
Avalanche closure cover limit i £1,000.00
Piste closure cover limit i £1,000.00
Ski equipment owned excess i £0.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £1,000.00
1 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £500.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250.00
Avalanche closure cover limit i £0.00
Piste closure cover limit i £0.00
Ski equipment owned excess i £50.00
Ski equipment hired i £500.00
Single item limit for hired equipment i £500.00
Unused ski pass due to illness or injury i £200.00

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)