Travel insurance

M&S Travel Insurance offers a choice of single or annual multi-trip policies which include*:

  • Travel disruption cover
  • Protection against your transport or accommodation provider going insolvent so you can recover your costs
  • 10% discount for new policies purchased online

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

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.

Medical screening

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.

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.


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.

Will I have to declare any medical conditions?

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:

  • Been prescribed medication and/or
  • Received or are awaiting, medical treatment, tests or investigations and/or
  • Been referred to, or had a follow up with, a specialist and/or
  • Been admitted to hospital or had surgery

Compare travel insurance cover options

Cover you can rely on

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.

Cover options

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

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.

Get a quotefor M&S Travel Insurance

or call

Apply over the phone:0800 051 3263

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