M&S Travel Insurance offers a choice of single or annual multi-trip policies which include*:
M&S Travel Insurance is underwritten by Aviva Insurance Limited.
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.
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.
You’ll be asked questions about your medical conditions when you complete your quote.
You’ll need to tell us if, in the last 12 months, any traveller has been prescribed medication, received or is awaiting medical treatment, tests or investigations, or have been admitted to hospital for any illness, injury or disease, including Covid-19.
All policies include travel disruption cover as standard. This offers additional protection for non-refundable travel costs.
This cover offers protection against your transport or accommodation provider going insolvent so you can recover your costs.
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.
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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To make a claim you will need to contact Aviva.
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.
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.
You need to tell us if you, or anyone else on your policy, have had any illness, injury or disease within the last 12 months where they have:
We offer a choice of cover options so you can tailor your travel insurance to meet your needs. You can compare the level and types of cover in the table below. Whether you decide to add any cover options to your policy or not, you can relax knowing we'll deal with any claim quickly and fairly if something goes wrong with your travel plans.
Available for single trip and annual multi-trip travel insurance policies. All cover levels are per person.
| Cover benefits | Includes (up to) | Option (up to) |
|---|---|---|
| Age limit – annual multi-trip | 79 | |
| Age limit – single trip | No limit | |
| Excess | £100 | Reduce to £50 |
| Online medical screening | Yes | |
| Cancelling or coming home early | £4,000 | Reduce to £2,000 or increase to £6,000 |
| Emergency medical and associated expenses | £10 million | |
| Travel disruption | The level of cover will match the level selected for cancelling or coming home early | |
| Emergency travel document expenses | £250 | |
| Personal money | £500 | |
| Personal liability | £2 million | |
| Legal expenses and advice | £25,000 | |
| Accidental death or permanent disability | £25,000 | |
| Your belongings | Option only | £1,000 or £2,500 |
| Winter sports | Option only | £500 for equipment £300 for winter sports holiday disruption |
M&S Travel Insurance does not provide cover for:
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.
Lines are open 8am - 8pm Monday to Friday, 9am - 6pm Saturday, and 10am - 2pm Sunday. Calls are recorded.
† Discount is available for new policies only and excludes renewals or amendments to existing policies
