Thomas Cook

Thomas Cook is one of Britain's best known tour operators, and is a public limited company - listed on the London Stock Exchange.

Thomas Cook offers travel insurance, which is a logical step to add on to its travel agency activities, which is 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.


Thomas Cook

Travel insurance

Ranked 34th of 54 providers reviewed.

Customer happiness 49%
Customer trust 42%
Complaints performance 67%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2018
50%

Travel insurance

Annual multi-trip insurance

Thomas Cook

Superior

4 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions & baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £350
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £300
Max trip duration i 45 days

Thomas Cook

Classic

3 stars
Cancelling before travel i £2,500
Medical excess i £100
Personal possessions & baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £2,500
Combined passport & travel i £300
Cutting trip short/curtailment i £2,500
Emergency medical cover and repatriation i £5,000,000
Lost or stolen cash i £200
Max trip duration i 45 days

Thomas Cook

Value Extra (Comparison Site)

2 stars
Cancelling before travel i £1,500
Medical excess i £100
Personal possessions & baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £0
Combined passport & travel i £300
Cutting trip short/curtailment i £1,500
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £250
Max trip duration i 31 days

Thomas Cook

Value (Comparison Site)

1 stars
Cancelling before travel i £750
Medical excess i £250
Personal possessions & baggage - damaged, lost or stolen i £750
Abandoning your trip i £0
Combined passport & travel i £200
Cutting trip short/curtailment i £750
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £150
Max trip duration i 31 days

Thomas Cook

Value Plus (Comparison Site)

1 stars
Cancelling before travel i £1,000
Medical excess i £150
Personal possessions & baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £0
Combined passport & travel i £250
Cutting trip short/curtailment i £1,000
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £200
Max trip duration i 31 days

Thomas Cook

Essential

1 stars
Cancelling before travel i £2,500
Medical excess i £100
Personal possessions & baggage - damaged, lost or stolen i £0
Abandoning your trip i £2,500
Combined passport & travel i £0
Cutting trip short/curtailment i £2,500
Emergency medical cover and repatriation i £5,000,000
Lost or stolen cash i £0
Max trip duration i 45 days

Single trip insurance

Thomas Cook

Superior

4 stars
Cancelling before travel i £5,000
Medical excess i £75
Personal possessions and baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £5,000
Combined passport & travel i £350
Cutting trip short/curtailment i £5,000
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £300
Missed departure i £1,000

Thomas Cook

Classic

3 stars
Cancelling before travel i £2,500
Medical excess i £100
Personal possessions and baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £2,500
Combined passport & travel i £300
Cutting trip short/curtailment i £2,500
Emergency medical cover and repatriation i £5,000,000
Lost or stolen cash i £200
Missed departure i £500

Thomas Cook

Value Extra (Comparison Site)

2 stars
Cancelling before travel i £1,500
Medical excess i £100
Personal possessions and baggage - damaged, lost or stolen i £2,000
Abandoning your trip i £0
Combined passport & travel i £300
Cutting trip short/curtailment i £1,500
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £250
Missed departure i £0

Thomas Cook

Value (Comparison Site)

1 stars
Cancelling before travel i £750
Medical excess i £250
Personal possessions and baggage - damaged, lost or stolen i £750
Abandoning your trip i £0
Combined passport & travel i £200
Cutting trip short/curtailment i £750
Emergency medical cover and repatriation i £10,000,000
Lost or stolen cash i £150
Missed departure i £0

Thomas Cook

Value Plus (Comparison Site)

1 stars
Cancelling before travel i £1,000
Medical excess i £150
Personal possessions and baggage - damaged, lost or stolen i £1,500
Abandoning your trip i £0
Combined passport & travel i £250
Cutting trip short/curtailment i £1,000
Emergency medical cover and repatriation i £15,000,000
Lost or stolen cash i £200
Missed departure i £0

Thomas Cook

Essential

1 stars
Cancelling before travel i £2,500
Medical excess i £100
Personal possessions and baggage - damaged, lost or stolen i £0
Abandoning your trip i £2,500
Combined passport & travel i £0
Cutting trip short/curtailment i £2,500
Emergency medical cover and repatriation i £5,000,000
Lost or stolen cash i £0
Missed departure i £500