big blue cover travel insurance policy wording

Big Blue Cover travel insurance review

Find out if big blue cover can provide you with the right level of cover for your next getaway..

In this guide

Who is Big Blue Cover?

What are my cover options.

• What's covered under my policy?

What is my excess?

What is the claims process.

Going on holiday can be one of the most magical things you can do, but sometimes it doesn’t quite go to plan, so you’ll want to make sure you have the right cover in place.

We’ve analysed the cover from Big Blue travel insurance to help you decide if it offers what you need.

Big Blue Cover is part of ROCK Insurance Group. The group has provided insurance to over a million customers, and specialises in providing cheap travel insurance with a range of benefits.

Who underwrites Big BlueCover's insurance policies?

Big Blue Cover provides a range of travel insurance policies, as well as optional extras, so you can tailor your policy if you need to.

• Single Trip
• Annual Multi-trip
• Optional extras

Features of the policy include:

• Cover from 2 days to 12 months
• Wide range of sporting activities covered as standard
• Trips to UK, Europe and Worldwide covered
• Cover for as many trips up to 31 days long in a year as you like
• Redundancy cover as standard
• Wide range of sporting activities covered
• Excess waiver
• Cruise cover
• Special sports cover
• Winter sports cover
• Business cover
• Terrorism cover
• Gadget cover

What’s covered under my policy?

Big Blue offers three levels of cover: Economy, Standard and Premier. Below we have listed what’s covered as standard under a single trip policy. As you would expect, policy payout amounts tend to increase as you move from Economy to Premier cover.

• Cancellation and curtailment
• Emergency medical and repatriation expenses
• Dental emergency
• Hospital benefit
• Personal possessions and baggage
• Personal money
• Travel delay on the outward journey
• Loss of passport
• Missed departure on the outward journey
• Personal accident
• Personal liability
• Legal expenses

An excess is the amount of money you contribute to each claim you make before Big Blue will pay out.

The amount of excess you have to pay will depend on which level of cover you have, and the nature of your claim. Check your policy schedule, where your excess details will be shown in detail.

If you require emergency medical assistance while on holiday, call Global Response on +44(0)343 658 0342 or +44(0)1293 652 842 and quote your policy number. You must contact Global Response before incurring costs above £500. The lines are open every day, around the clock.

To make a claim on return from your holiday, contact Global Response by calling +44(0)343 658 0345, or email [email protected]

For contact information to claim on your optional gadget or vehicle excess cover, see your policy document.

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Big Blue Cover Reviews

During these unprecedented times, BigBlueCover.com is creating policies to ensure they’re flexible for their customers needs

• Service (0)
• Renewals (0)
• 88 reviews found on websites such as TrustPilot
• £10m limit for medical cover
• £5k cancellation cover limit
• Claims (0),
• Service (0),
• Renewal (0)

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Quotes our team received.

Trip Details

7 nights in Spain

Single Trip Quote

Medical cover limit, cancellation cover limit.

Worldwide cover including USA

Annual Trip Quote

Travel insurance guides.

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Policy Wording

Insurance product information document.

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Bigbluecover   Reviews

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Reviews 1.5.

Most relevant

Appalling rip off from CDW

took out cdw car waiver insurance in 2019. This apparently has been automatically renewed on 22/8/2020. Not a single communication, prior notice or notification. Simply an email informing me that my card had been charged. Appalling and disgusting behaviour - AVOID (Note offices shut on Saturday & Sunday)

Date of experience : August 22, 2020

worst company to deal with

took out holiday insurance in november 2019 for a holiday in june 2020. i contacted them several times in march to see where i stood if the hoilday was cancelled , they never answered my e mail . When it was confirmed that the holiday was cancelled i contacted them again, they then could not find details of my insurance , i had to send them a photo of my policy . one e mail then said i had 12 months to supply them with a new travel date , which i did , then another e mail offered me 25% back of the price of my policy , which i refused .i'm still in fighting for a full refund or for them to give me a new policy with a change in date. do not use the company , i hate to think what would happen if i had to put a claim in

Date of experience : August 21, 2020

Sent a travel insurance certificate which was incorrect.Impossible to get any help correcting it.

Sent a travel insurance certificate which excluded USA but I had paid for USA.Call centre closed.Tried emailing-no response.Tried live chat-they said I had to phone the call centre-when I pointed out that nobody answered there they said I would get a call back.4 weeks later still waiting for that. Terrible insurane company.Avoid.

Date of experience : May 24, 2020

Tried to claim for a holiday which was…

Tried to claim for a holiday which was cancelled due to the covid19 outbreak in France. Have been told I don't have a claim as they don't cover any cancellation due to government advice. Absolute joke of a company. Do not buy their crap insurance.

Date of experience : June 10, 2020

Robbing so and so's

I will never ever use this company again. Had insurance for a package holiday to Turkey with Jet2 that was cancelled by the operator due to Corona Virus. A full refund was sorted with a 1 minute phone call for the holiday. Tried to reclaim my Bigbluecover payment for insurance that could not be used due cancellation. Their answer was that because I had taken the insurance out over 14 days previously (cooling off period) then I would be only entitled to 75% refund plus a £6 admin charge. So in other words it has cost me £16 for an insurance policy I could not use. I go on holiday 3 times a year and can assure you I will never use this company again. I will also tell as many colleagues as I can not to use these shysters

Date of experience : March 25, 2020

Took out a policy with this company

Took out a policy with this company. Due to CO-VID we didn’t travel that was Apr 20. I’ve just finally been able to contact the company and been informed, I was out of 14 day cooling period and can only have half of the amount I paid for my policy. It’s now October. If you are thinking of holiday insurance DON’T go near this company as your in for a whole life of pain. I also think money supermarket should remove this bogus company from its website.

Date of experience : October 02, 2020

Sharp practice on multi-trip cover

We booked a multi-trip annual travel policy with this lot for my wife (who has a medical condition) and me. They issued the policy (with a generous extra premium for a cured cancer 7 years post-treatment). In between our first trip on the policy and the planned second, she developed an unrelated condition, again highly unlikely to cause a problem on a 2 week trip to Spain. I called Big Blue as per terms of the policy, and was told they would not offer cover for either the new OR the original condition on the policy. Only after 15 minutes of argument would they agree to give any refund on the policy despite the fact we had taken it out in good faith and followed the policy wording to the letter. Bunch of crooks. Don’t touch them with a bargepole.

Date of experience : August 02, 2019

Would have given no stars if I could

Would have given no stars if I could. Lost my holiday due to Thomas Cook fiasco. Big blue and their partner company rock insurance didn't want to know. No "good will" with this lot. Pay that little bit more with someone else for peace of mind and a better customer service experience. BBI138075

Date of experience : September 28, 2019

Terrible company.anyone who has not…

Terrible company.anyone who has not been refunded by bigbluecover.contact insurance omnibusman.they are great this company is a bunch of scammers and shouldn't get to scam people out of money they have paid

Date of experience : June 11, 2020

Booked holiday insurance through this…

Booked holiday insurance through this company and will never use again. My holiday was cancelled due to Covid 19, i contacted them to ask to move insurance to another date or a refund and was denied both requests. Another money grabbing firm that does not think of its customers.

Date of experience : November 10, 2020

Terrible experience

I had my holiday cancelled due to coronavirus and transferred the holiday to next year. I tried to contact Bigblue to transfer my insurance to next yearbut with out success. I telephoned to hear a message to use the help section on their website to use the help section as they were not taking calls so I tried the website to find it was not working either. I have sent them e-mails both to their admin and cancellation departments but they heve not even had the decency to reply.I paid £152 for this insurance and wouldn,t mind paying extra to transfer to next year but they cannot even give me this option.I have used them in the past but will not be doing so in the future and will urge my friends on trip advisor to do the same.

Date of experience : June 28, 2020

Big Blue Con,

Big Blue Con, Obviously made a great deal of money selling travel insurance and not providing a refund when holidays are cancelled due to the current pandemic. I hope allothers in the same position complain to the ombudsman. Con men

Date of experience : April 17, 2020

Terrible company

Terrible company. please do not go on holiday thinking that everything will be ok if you need to claim on your insurance. After a car accident we were advised to do one thing and everything would be taken care of but that did not happen. Pay a little bit more and go with somebody else. After 18 months of being fobbed off, being asked the same questions then getting no response I had to give up. Trust me one star is too good for this lot.

Date of experience : July 09, 2020

Took 2 months to settle after accident, charged me excess twice and refused to pay many costs

I had an accident whilst on holiday in Dubai that wasn't my fault that resulted in fractures to my ankle, foot and a torn ligament. I am still in a cast boot 8 weeks on and my business has suffered big losses as I cant do my role. Big blue refused to pay many of the out of pocket expenses I incurred, all they would cover was the cost of the medical treatment minus the £99 excess. Also my varifocal glasses were smashed so I had to buy replacement ones, however they will not pay the full cost of my glasses, have taken money off for wear and tear and also taken the excess of £99 off me again, so i have paid this excess twice, totalling £198! Apparently I can't claim for personal accident as I am not dead and have not lost a limb!?! Two months on and I am still in a cast boot, my business has lost loads of revenue and I am still in much pain. It has also taken them 2 months to settle this claim. Dreadful service, won't buy insurance from them again

Date of experience : January 23, 2020

Very poor service.

My holiday got cancelled by holiday company due to coronavirus. From early May tried by phone and e-mail contacting this company to see if new dates could be changed to no avail. Eventually contacted financial ombudsmen yesterday and coincidently they contacted me this morning. Have now changed dates at no cost subject to getting confirmation from them. If you are having problems with this company, make your complaint official to them and if no response of satisfaction to to the ombudsman.

Date of experience : June 16, 2020

Report them to the Ombudsman!

Report them to the Ombudsman! Shocking service, I rang them because I just wanted to find out if I was covered for a trip in the summer which looks like it will more than certainly be cancelled. The girl on the phone just recited the terms and conditions, which even she admitted didn't say I wasn't covered. She said I would have to talk to the underwriters Reactive Claims to find out. I asked if she could transfer me to them and she said okay - to which once I was transfered the message said they were closed due to Government advice on the Coronavirus. The girl must have known they were closed but transfered me anyway - thanks! No way to get hold of anyone, they're (BigBlue) ignoring e-mails. They'll be out of business soon, but I'm sure that like a phoenix from the flames they'll be back - after all, the money they're taking off you isn't being used for insurance. What a waste of time

Date of experience : April 15, 2020

They just don't pay out

They just don't pay out. They use an external claim company - Reactive Claims. After years of paying for unused insurance, I have had two claims close together (Both pre-Covid). Last summer I had to return home on the first flight available as my wife had become ill. They only pay for the cheap unused flight not the expensive emergency one, so with the excess it wasn't worth claiming. In early February this year, I went to Iceland and before I had landed a notification went out that all flights on the Friday (my return date) were cancelled because of an imminent storm. I had to make a quick call, as flights were disappearing fast, to go home early or late. Flew home a day early so wasted accomodation for which they cover you. They won't pay out, saying I wasn't delayed enough. I was still checked in for my original flight and the notifications I got told me it would have departed nearly 48 hours later than planned. Whatever choice I made would have been costly and in fact the one I made was the cheaper option. Begs the question, should we even bother with travel insurance.

Date of experience : April 27, 2020

Corona virus has cancelled my holiday

Corona virus has cancelled my holiday. I cant seem to change my insurance to new dates. I've emailed big blue but heard nothing. Jet 2 have been great, car parking company have been great but big blue are garbage. Never again .

Date of experience : April 16, 2020

Does what they say on the tin

Honestly don't get the bad reviews on here. Had the requirement (first time in a decade really) to claim on a car insurance excess cover policy with them. Spoke with them immediately and they advised it'd take around 8 weeks to settle. Fair enough, it's a little bit of time, but not unreasonable. Once I arrived home, I gathered the docs and photos they needed and sent them through. Little bit of frustration as they needed to have every attachment named correctly. Nothing to onerous there. Few weeks later I got an email reminding me to submit my credit card statement to evidence that I'd paid X amount to the car hire company. Again a tad annoying they need a full statement, not a screenshot. Still, it wasn't unexpected. Once my full statement arrived, sent it through (remembering to name it correctly) and waited a week. Have them a quick call to make sure they didn't need anything else which they confirmed they didn't. Lady advised it would be decided within the next few days. Few days later I have an email saying claim approved and settled. Money to be in my account within the week. Set your expectations at the start, 6-8 weeks and provide everything they ask for. Cannot fault them. I imagine in summer they get busy, but again, set your expectations right to begin with and you will be fine. Great company and everyone was nice and pleasant to deal with.

Date of experience : October 15, 2022

They are owned by Rock Insurance whom…

They are owned by Rock Insurance whom are their customer services provider. They never answer any emails. They just want you to pay the premium and never deal with you again.

Date of experience : April 08, 2022

• Travel insurance Compare our plans Popular benefits COVID-19 benefits International plans Domestic plans Comprehensive insurance Annual multi-trip Inbound plan Business Cruise Adventure activities Medical conditions
• Travel alerts Cover-More app
• Emergency assistance

Is our travel insurance right for you? Read the Cover-More Policy Wording

We want to cover you, not ourselves. Take a tour of the Cover-More travel insurance Policy Wording to find out if we have the cover you want for the trip you’ve got planned.

Everyone loves curling up with a good Policy Wording, right?

OK, maybe not, but the information this document contains is super important – especially when it comes to knowing whether our travel insurance is the best choice for your amazing holiday.

We know we’ve got great cover, but is it right for you?

Before you hit that big ol’ ‘buy’ button, you’ve got to read the relevant Policy Wording from top to toe. (We’re being serious.) It’s got everything you need to know to help you make a good decision when it comes to buying a policy from us.

If we’ve got the goods you’re looking for, you can either get a quote and buy a policy on this very website or call us on (0800) 500 225 during business hours to get one over the phone. Easy.

Already got yourself a Cover-More travel insurance policy? You can (re)read the relevant Policy Wording whenever you fancy it.

Our current plans (AKA the ones we’re selling right now):

You can download the Policy Wording for the plan you want to buy here.

Comprehensive+ (issued on or after 9pm NZST, 29 May 2024)

→ View the  Cover-More Policy Wording

This is our ‘more is more’ plan. (Yes, it’s a bit like ordering the ice cream sundae with all the trimmings.) That’s because it’s our most comprehensive travel insurance plan with our best benefits and highest benefit limits, plus a bunch of cover options to help you match your policy to your trip.

This plan is available for:

• Single trip policies
• Annual multi-trip policies
• International trips
• Domestic trips  

Good to know: This plan includes some COVID-19 benefits , because this virus is still lurking.

Comprehensive (issued on or after 9pm NZST, 29 May 2024)

This is our most popular plan, and for good reason: it offers more cover and higher benefit limits than our Basic plan, which means you can worry less. It provides all the essential cover you need, plus much more (including some great cover options).

Basic (issued on or after 9pm NZST, 29 May 2024)

This plan does what it says on the tin – it offers budget-friendly cover for the essentials. It’s our base-level travel insurance plan for value-conscious travellers, and has cover for the all-important basics. (Think: unexpected overseas medical costs and unforeseen additional expenses.)

Good to know: This plan includes some COVID-19 benefits , because this virus is still lurking.  

Inbound (issued on or after 9pm NZST, 29 May 2024)

Do you live outside of New Zealand and want to travel to New Zealand with our cover in tow? This is our comprehensive international plan designed for non-New Zealand residents who are travelling to and around New Zealand from an overseas destination.

Business*  (issued on or after 18 October 2023)

→ View the  Cover-More Business Policy Wording

Travel a lot for work? Lucky you! This is our travel insurance plan for business travellers (and their families who like to tag along and turn it into a ‘bleisure’ trip).

For more information or to buy this policy, please speak to our travel agent partners or call our team on (0800) 500 225 (You can’t buy it online.)

Got a policy that was issued before the ones above?

Keep scrolling… we’ve got a bunch of older Policy Wordings below for you to flick through.

For policies issues between 18 October 2023 and up to 9pm NZST, 29 May 2024, use this:

• Options Plan (Online)

For policies issued between 6 September 2023 and up to 9pm NZST, 29 May 2024, use this:

• Essentials Plan (Phone)
• Your Cover Plan (Phone)
• Essentials Plan (Online)

For policies issued between 9 September 2022 and 17 October 2023, use this:

• Business Plan - Individual Travellers (Phone)

For policies issued between 27 July 2022 and 17 October 2023, use this:

• Options Plan - Comprehensive (Online)

For policies issued between 27 July 2022 and 5 September 2023, use this:

• YourCover Plan (Phone)

For policies issued between 26 April 2022 and 5 September 2023, use this:

For policies issued between 27 july and 8 september 2022, use this:.

• Business Plan – Individual Travellers (Phone)

For policies issued between 27 April and 26 July 2022, use this:

• Options Plan – Comprehensive (Online)
• Essentials Plan – Budget (Online)
• YourCover Plan – Premium (Phone)
• Essentials Plan – Budget (Phone)

For policies issued between 9 February and 26 April 2022, use this:

• Essentials Plan – Budget (Online)

Did you buy one of our travel insurance policies before 26 April 2022 and want to get your hands on a copy of the  Policy Wording? Our customer service team can help – call us on  (0800) 500 225.

Ready to plan, pack, and go?!

Choose the right travel insurance for you, today.   

*Our Business product is currently available only through our agents or by calling our customer service centre on (0800) 500 225. 

Any advice is general advice only. Consider the Policy Brochure and wording therein before deciding to buy this product. 

Policy Document

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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