Thomas Cook

Thomas Cook, which 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 through comparison sites, whilst its direct products are offered through Roam. Their policies are underwritten by Great Lakes Insurance SE.

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
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Travel insurance

Annual multi-trip insurance

Thomas Cook

First Class

4 stars
Medical excess i £0.00
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 £15,000,000.00
Mental health cover i
Personal money i £400.00
Combined passport & travel documents cover limit i £300.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 62 days

Thomas Cook

Premier

3 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £400.00
Combined passport & travel documents cover limit i £250.00
Cutting trip short (curtailment) cover limit i £2,500.00
Abandoning your trip (abandonment) cover limit i £2,500.00
Natural disaster relocation cover i
Max trip duration i 45 days

Thomas Cook

Economy

2 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cancelling before travel cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £200.00
Combined passport & travel documents cover limit i £200.00
Cutting trip short (curtailment) cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £1,000.00
Natural disaster relocation cover i
Max trip duration i 45 days

Single trip insurance

Thomas Cook

First Class

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £750.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £400.00
Combined passport & travel documents limit i £300.00

Thomas Cook

Premier

3 stars
Cancelling before travel cover limit i £2,500.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £2,500.00
Missed departure cover limit i £500.00
Abandoning your trip (abandonment) cover limit i £2,500.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £400.00
Combined passport & travel documents limit i £250.00

Thomas Cook

Economy

2 stars
Cancelling before travel cover limit i £1,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000.00
Cutting trip short curtailment cover limit i £1,000.00
Missed departure cover limit i £300.00
Abandoning your trip (abandonment) cover limit i £1,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £200.00
Combined passport & travel documents limit i £200.00

Travel insurance add-on: cruise cover

Thomas Cook

Premier

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £750.00
Missed port departure excess i
Timetable/itinerary change cover limit i £1,500.00
Unused excursions cover limit i £150.00

Thomas Cook

First Class

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £1,000.00
Missed port departure excess i
Timetable/itinerary change cover limit i £2,000.00
Unused excursions cover limit i £150.00

Thomas Cook

Economy

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £500.00
Missed port departure excess i
Timetable/itinerary change cover limit i £1,000.00
Unused excursions cover limit i £150.00

Travel insurance add-on: winter sports

Thomas Cook

First Class

5 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £1,000.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £600.00
Avalanche closure cover limit i £600.00
Piste closure cover limit i £600.00
Ski equipment owned excess i £0.00
Ski equipment hired i £600.00
Single item limit for hired equipment i £600.00
Unused ski pass due to illness or injury i £600.00

Thomas Cook

Premier

4 stars
Ski equipment owned cover limit i £750.00
Single owned item cover limit i £750.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £450.00
Avalanche closure cover limit i £450.00
Piste closure cover limit i £450.00
Ski equipment owned excess i £50.00
Ski equipment hired i £450.00
Single item limit for hired equipment i £450.00
Unused ski pass due to illness or injury i £450.00

Thomas Cook

Economy

3 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 £300.00
Avalanche closure cover limit i £300.00
Piste closure cover limit i £300.00
Ski equipment owned excess i £100.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £300.00