Avanti travel insurance is a UK-based specialist policy designed primarily for travellers over 50 and those with pre-existing medical conditions, offering single trip, annual multi-trip and cruise cover under FCA-regulated standards. This guide explains cover levels, pricing, exclusions and how to claim.
Contents
What Is Avanti Travel Insurance and Who Is It For?
Avanti travel insurance provides holiday protection tailored to older travellers and individuals with medical histories who may struggle to obtain affordable cover elsewhere. Policies are underwritten for the UK market and regulated by the Financial Conduct Authority, ensuring compliance with British consumer protection rules.
Types of Avanti Travel Insurance Policies Available
When choosing avanti travel insurance, UK customers can select from several structured options depending on travel frequency and destination.
Single Trip Cover
- Ideal for one-off holidays
- Duration limits vary by age band
- European and worldwide options
Annual Multi-Trip Cover
- Multiple holidays within 12 months
- Per-trip duration caps apply
- Often cost-effective for frequent travellers
Cruise Travel Cover
- Cabin confinement protection
- Missed port departure benefits
- Enhanced medical evacuation limits
Medical Screening and Pre-Existing Conditions with Avanti Travel Insurance
One of the defining features of avanti travel insurance is its detailed medical screening process. Applicants disclose existing conditions through an online or telephone questionnaire, which determines acceptance terms and any additional premium.
Commonly declared conditions include:
- High blood pressure
- Diabetes
- Cardiac history
- Cancer in remission
Failing to declare accurate medical information can invalidate a claim under UK insurance law. Always review the policy wording carefully before paying the premium.
What Does Avanti Travel Insurance Cover?
Core benefits under avanti travel insurance typically include:
- Emergency medical expenses – often up to £10 million depending on tier
- Cancellation cover – protection if illness prevents travel
- Personal belongings – baggage and valuables protection
- Personal liability – cover for accidental injury or property damage
- 24-hour emergency assistance
Higher tiers may include:
- End supplier failure protection
- Travel disruption cover
- Winter sports add-ons
Policy documents outline specific limits in pounds sterling, and sub-limits apply to items such as electronics and jewellery.
How Much Does Avanti Travel Insurance Cost in the UK?
The cost of avanti travel insurance depends on several underwriting factors:
- Age of traveller
- Destination risk level
- Trip duration
- Declared medical conditions
- Chosen excess level
Indicative pricing examples for UK residents:
- European single trip for a healthy 60-year-old: from approximately £35 to £70
- Worldwide cover including USA: from approximately £80 to £150
- Annual multi-trip policies: often £120 to £300 depending on medical history
Premiums increase significantly when covering complex cardiac or recent cancer conditions. Comparing policy tiers before purchase helps ensure appropriate value.
Is Avanti Travel Insurance FCA Regulated?
Yes. Avanti travel insurance operates within the UK regulatory framework. Policies are distributed in accordance with Financial Conduct Authority rules, meaning:
- Clear policy documentation
- Cooling-off period rights
- Access to the Financial Ombudsman Service
- Financial Services Compensation Scheme protection where applicable
This regulatory oversight is crucial for UK consumers seeking transparency and recourse in the event of disputes.
How to Make a Claim
If you need to claim under avanti travel insurance, follow these practical steps:
- Contact the emergency assistance team immediately for medical situations.
- Obtain written reports from hospitals or police where relevant.
- Keep receipts for expenses incurred.
- Submit the claim form with supporting documentation.
Most insurers aim to process straightforward claims within several weeks, though complex medical assessments can extend timelines.
Key Exclusions to Check Before Buying
Before purchasing travel insurance, review exclusions carefully. Typical limitations include:
- Undeclared medical conditions
- Travelling against medical advice
- High-risk sports without add-ons
- Alcohol or drug-related incidents
Always check destination-specific advice issued by the UK government, as travelling against official warnings can void protection.
Pros and Considerations
Strengths
- Strong medical underwriting expertise
- Competitive pricing for older travellers
- Cruise-specific benefits
Considerations
- Premiums can rise sharply for complex conditions
- Medical questionnaires require accurate detail
- Excess levels vary by plan
Is Avanti Travel Insurance Right for You?
Choosing travel insurance may be suitable if you are over 50, have declared medical conditions or require cruise cover tailored to British travellers. It is less likely to be the cheapest option for young backpackers without medical history.
Before purchasing, compare policy tiers, review excess amounts, and ensure the cancellation limit matches your total trip cost in pounds sterling.
Final Verdict on Avanti Travel Insurance
For UK residents seeking regulated cover that accommodates medical histories and older age brackets, avanti travel insurance offers structured policies with high medical limits and clear FCA oversight. Careful disclosure and policy comparison remain essential to secure the most appropriate level of protection for your trip.