Coach Travel Insurance

Coach travel insurance for single and annual multiple trips.

  • Cruise is also covered on our standard policy
  • 24/7 emergency medical assistance
  • UK-based support

Get a quote online

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If you need additional assistance arranging your insurance, find out how our teams can support

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Based on 4354 customer reviews

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Why choose coach travel insurance with Towergate?

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Range of medical conditions covered

Extensive range of medical conditions covered and no upper age limit on single trip policies

Money

Up to £15 million coach travel cover

Tailored cover limits: medical and repatriation up to £15 million and cancellation up to £7,500

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Travel disruption covered

Disruption to travel covered as standard

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Pay for your coach travel cover by Direct Debit

You can split your payments into instalments

About coach travel insurance

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Coach travel insurance for cancelled trips

Not being able to make your trip is upsetting, even more so if the coach tour operator applies their scale of cancellation charges. Our coach travel insurance can protect you if you're forced to cancel your trip in the event of illness, injury or death whether suffered by you, your travelling companion(s) or a close relative. Cover is offered for trips costing up to £7,500, depending on which policy option you choose. Cover also includes such things as COVID-19 (excluding government lockdown and / or travel restrictions), jury service, redundancy or damage to your home caused by such things as fire, theft, storm or water damage. Note that if the cancellation is due to circumstances known before you purchase the policy or trip, you will not be covered.

Money

Coach travel cover for baggage money

If you are unlucky enough to experience loss, theft or damage to your baggage or money during the trip, our coach travel insurance provides up to £2,000 for your baggage and up to £300 for your money, depending on which policy option you choose. If you arrive at your hotel and your baggage is lost, our policy covers you for up to £3,000 for purchasing essential items if it takes more than 12 hours for you to be reunited with your baggage.

Care

Medical costs and emergency medical expenses

Inevitably some travellers may fall ill or have an accident during their trip. Our coach travel insurance provides up to £15-million for unexpected additional accommodation, repatriation and travel costs in the UK and up to £15 million for medical and additional accommodation, repatriation and travel expenses in Europe, depending on which policy option you choose. This includes 24/7 emergency medical assistance provided by Cega Assistance.

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No proposal forms to complete

We try to make taking out our coach travel insurance as quick and easy as possible so that you can get on with looking forward to and enjoying your trip. You can apply for our coach travel insurance online.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03450 744 838 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Coach travel insurance FAQs

Coach travel insurance covers the cost of cancelled trips if you're forced to pull out due to the illness, injury or death of you, your travelling companion(s) or a close relative. It can also cover the cost of medical treatment, repatriating you home and the value of your luggage if lost, stolen or damaged.

You can also purchase coach travel insurance to protect against you being called up for jury service, redundancy or damage to your home caused by such things as fire, theft, storm or water damage.

The cover you can expect can depend on where you are travelling, so it is always best to check your policy wording.

As well as cover for illness, emergency accommodation and cancelled trips coach travel insurance is there for you if you lose possessions or are robbed.

If you are unlucky enough to experience loss, theft or damage to your baggage or money during the trip, you can be left stranded. Coach travel insurance policies can potentially provide £1,500 for your baggage and £200 cover for lost or stolen cash.

Our medical screening process is integrated into the online booking process. Please be reassured, everything you declare is treated with the utmost confidentiality and your details will not be shared with anyone outside of SunWorld.

Existing European Health Insurance Cards (EHICs) will remain valid until their expiry.

If you do not have an existing EHIC, or it has expired, you should apply for the new Global Health Insurance Card (GHIC).

It remains vital that when travelling to destinations within EU countries, Switzerland, Norway, Iceland and Liechtenstein you still purchase adequate travel insurance, if you wish to be covered should you require medical treatment and more importantly repatriation and unforeseen accommodation expenses.

The Money Advice Service (MAS) have developed a directory of Specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance.

If you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison you can contact them online, or by phone Monday to Friday, 8am to 6pm, on 0800 138 7777 or traveldirectory@maps.org.uk.

You can also see more information on OK to Travel.

Yes. If you have not booked with one of the specific operators on our dropdown list, please choose 'Other'.

Yes, but there aren't many. The personal accident section has lower sums insured for children under 16 years old and adults of 65 years and older. However, unlike some other travel insurance companies, our coach travel insurance has no single-trip upper age limit. It is worth noting that an additional premium might be required for some pre-existing medical conditions.

Wherever you are travelling, whether in the UK or abroad, you will need to declare your pre-existing medical conditions. You will be asked a set of questions based on treatment, medication, tests, and advice received based on the last five years. You will need to know the name of the diagnosed condition to be able to complete this section and you may have to pay an additional premium to cover your medical conditions.

Don’t panic. Don’t panic. Our coach travel insurance policy includes 24/7 emergency medical assistance provided by Cega Assistance. Simply give them a call on 01473 351 757 and they’ll provide immediate assistance which, upon confirmation of policy cover, includes but is not limited to the following: additional accommodation; travel and repatriation; liaising with doctors and relatives; and (if you’re not in the UK) paying medical costs.

Our coach travel insurance doesn’t cover the cost of a replacement passport or visa. What it does do is to cover the additional costs, such as travel and accommodation, of travelling to the nearest UK embassy or consulate to obtain travel documents in time for your return journey back to the UK.

Unfortunately, this is not something that our coach travel insurance covers.

The maximum single trip duration is 365 nights (please see policy wording for the full terms and conditions).

Yes, this is covered as standard (please see policy wording for the full terms and conditions applicable to the cover.

Yes, cruises are covered within the standard policy cover.

Cover for trips can be booked up to a year in advance.

If you are travelling outside of the UK, it is important to consider the unexpected, particularly around the risk of illness.  24/7 emergency medical assistance while abroad is an important cover to consider. 

Coach travel insurance policies can potentially cover £1,500 for unexpected additional accommodation, repatriation and travel costs in the UK and £2 million for medical and additional accommodation, repatriation and travel expenses in Europe. If you’re not in the UK, medical costs are also covered.

Coach travel insurance companies may need you to declare pre-existing medical conditions, so it is always best to check when buying your policy.

When buying a coach travel insurance policy, these are common exclusions:

  • Missing your journey due to oversleeping or other avoidable causes is not usually covered.
  • An additional premium might be required if you have pre-existing medical conditions.
  • Some travel companies will have an upper limit or increased premiums for older travellers
  • The cost of a replacement for a lost or stolen passport may not be covered. However, travel and accommodation costs to get to a UK embassy or consulate, to obtain travel documents to get back to the UK, usually are.

Note that if the cancellation is due to circumstances known before you purchase the policy or trip, you will not be covered.

As all coach travel insurance policies will be different, please check your policy documents carefully to make sure you are covered for your needs.

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