Travel insurance

Following a review of our product range, we have withdrawn M&S Travel Insurance for new customers.

  • If you have already been given a quote it will be available for 30 days from the quote date.
  • If you have an existing M&S Travel Insurance policy, your cover is unaffected and will remain in place until your policy end date.

Retrieve a quote

View your existing policy

M&S Travel Insurance is underwritten by Aviva Insurance Limited.

Existing travel insurance customers

For existing travel insurance customer information, find out more.

Features and benefits

Medical emergency

If you're ill or have an accident abroad, your medical expenses could be covered up to £10 million.

M&S Travel Insurance will cover you for emergency medical expenses if you catch Covid-19 during your trip abroad.

Subject to policy terms and conditions. Please read the 'Your health' section in the policy booklet on existing medical conditions.

Cancelling or coming home early

Claim for unrecoverable costs up to £6,000 if you need to cancel your trip or come home early.

Claim for cancelling your trip if the Foreign, Commonwealth & Development Office (FCDO) advise against travel to your destination in the 31 days leading up to your holiday.

Subject to policy terms and conditions.

Travel disruption cover

All policies include travel disruption cover as standard. This offers additional protection for non-refundable travel costs.

Insolvency of transport or accommodation provider

This cover offers protection against your transport or accommodation provider going insolvent so you can recover your costs.

Enhance your policy

Baggage - protection if your bags go missing or get damaged.

Winter sports - cover for winter sports and the loss or damage of your sports equipment.

M&S Travel Insurance is underwritten by Aviva Insurance Limited. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.

Annual multi-trip age limit of under 80, with no age limit for single trip policies.

Important documents

M&S Travel Insurance Product Information Document

M&S Travel Insurance policy booklet

M&S Travel Insurance Summary of Cover limits

M&S Travel Insurance - Important Information

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FAQs

How do I make a claim?

To make a claim you will need to contact Aviva.

  • For medical emergency claims please call Aviva on 0800 051 6561 or +44 160 360 4906 if calling from abroad.
  • If you don't need urgent medical attention you can make a claim online or by calling Aviva on 0800 051 4780 or +44 160 360 3783 from abroad.
  • You'll need to provide the following information when making a claim:
    • Your personal details, plus details for anyone else claiming on this policy.
    • Details about your trip, for example, date of travel and airline (if it's relevant).
    • Your bank account details so that Aviva can settle your claim as soon as a decision is made.
  • You can also make a claim if you do not require urgent medical attention by calling 0800 051 4780 or +44 160 360 3783 from overseas. Lines are open 8am-8pm Monday to Friday, 8am-4pm Saturday and public holidays.

What's a policy excess?

This is the amount of money you have to pay if you make a claim.

M&S Travel Insurance has an excess of £100 per person per claim and you can choose to reduce the excess to £50 which will increase your premium.

Are there any charges to change or cancel my policy?

To make sure that you have the right cover in place, please let us know of any changes during the annual policy term. We do not make any charges for mid term changes.

If you cancel your policy within 14 days of receiving your policy documentation we will refund all premiums paid provided you have not travelled or made a claim, and there has been no incident which may result in a claim being raised.

If you wish to cancel the policy after the 14 days then there will be no cancellation charge and no refund of premium will be made.

What's not covered

M&S Travel Insurance does not provide cover for:

  • Known events; there is no cover in relation to any event, circumstances or incident you knew about (or were reasonably expected to know about) at the time you booked your trip or purchased your policy (whichever is later) and could reasonably be expected to affect your travel plans.
  • Costs which are recoverable from your travel and/or accommodation provider/agent, your debit/credit card provider, PayPal, ABTA, ATOL or similar.
  • Travelling against Foreign Commonwealth and Development Office (FCDO) advice. This includes advice or measures put in place by governments and local authorities in the UK or abroad.
  • Travelling with the intention of seeking medical treatment or advice abroad, for example to have cosmetic surgery or dental treatment.

Please ensure you read the policy booklet for full details on what is and isn't covered, in particular the Exclusions which apply to the policy.