Roam

Roam is the travel insurance brand offered by Thomas Cook, which is one of Britain's best known tour operators, and is a public limited company - listed on the London Stock Exchange.

Roam offers travel insurance directly through its own site Roaminsure. Its policies are underwritten by an Irish insurance company called White Horse Insurance. However, White Horse Insurance is wholly owned by Thomas Cook.

Because the insurer is based in Ireland, you won't have recourse to the UK Financial Ombudsman Service if you want to escalate a complaint against it.

An industry average has been used for its complaints score, as the data does not show up in the Irish Financial Ombudsman, and it didn't provide this data directly.


Roam
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Gold ribbon: first place

Travel insurance

Ranked 20th of 59 providers reviewed.

Customer happiness 55%
Customer trust 54%
Complaints performance 73%
Transparency rating 35%
Fairer Finance score
Reviewed Spring 2019
54%

Travel insurance

Annual multi-trip insurance

Roam

Prime

4 stars
Medical excess i £0
Cancelling before travel i £10,000
Personal possessions & baggage - damaged, lost or stolen i £5,000
Max trip duration i 45 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £10,000
Abandoning your trip i £10,000
Lost or stolen cash i £500
Combined passport & travel i £1,000
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Roam

Select

3 stars
Medical excess i £75
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 45 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £400
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Roam

Essential

2 stars
Medical excess i £150
Cancelling before travel i £500
Personal possessions & baggage - damaged, lost or stolen i £500
Max trip duration i 45 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £500
Lost or stolen cash i £200
Combined passport & travel i £400
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

Roam

Select

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

Roam

Prime

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

Roam

Essential

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

Single trip insurance

Roam

Prime

4 stars
Medical excess i £0
Cancelling before travel i £10,000
Personal possessions and baggage - damaged, lost or stolen i £5,000
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £10,000
Missed departure i £1,000
Abandoning your trip i £10,000
Lost or stolen cash i £500
Combined passport & travel i £1,000

Roam

Select

3 stars
Medical excess i £75
Cancelling before travel i £3,000
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 £5,000
Missed departure i £500
Abandoning your trip i £5,000
Lost or stolen cash i £200
Combined passport & travel i £400

Roam

Essential

2 stars
Medical excess i £150
Cancelling before travel i £500
Personal possessions and baggage - damaged, lost or stolen i £500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £500
Abandoning your trip i £500
Lost or stolen cash i £200
Combined passport & travel i £400

Winter sports add-on

Roam

Select

4 stars
Ski equipment owned i £750
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £510
Ski equipment owned excess i £75
Ski equipment hired i £750
Single item limit for hired equipment i £500
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £600

Roam

Prime

4 stars
Ski equipment owned i £750
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £510
Ski equipment owned excess i £0
Ski equipment hired i £750
Single item limit for hired equipment i £500
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £600