Quick Picks – Best Avanti Travel Insurance Policies in 2026
Best Overall Plan
Deluxe Annual Multi-Trip: Includes unlimited emergency medical cover, £7,500 cancellation per person, £3,000 baggage, and zero excess. Highly rated for comprehensive features and customer satisfaction.
Best for Seniors & Pre-existing Conditions
Classic/Deluxe Policy: No upper age limit and coverage for over 1,300 pre-existing medical conditions. Especially recommended by seniors for its accessibility and tailored cover.
Best for Family/Group Travel
Deluxe Family Annual Multi-Trip: Family-friendly, covering all ages with cancellation, curtailment, baggage, and personal liability. Discounts up to 20% are available for group bookings.
Best Budget Option
Essentials Policy: £1,000 cancellation, £5 million medical expenses, £150 excess. Affordable and appropriate for short, low-risk trips with basic needs.
Avanti Travel Insurance Overview
Company Background & Reputation in 2026
Founded in 2009, Avanti Travel Insurance is a UK-based specialist in holiday coverage for seniors and people with health conditions. In 2026, Avanti is ranked #3 among UK travel insurers on Trustpilot with a 4.8/5 rating from over 55,000 reviews. The company received the “Best Travel Insurance” award (2018–2025) and remains a go-to choice for reliability, especially for older travelers and those needing flexible, accessible policies.
Policy Range & Key Features
- Single-Trip and Annual Multi-Trip Cover: Essentials, Classic, Deluxe tiers available.
- No Upper Age Limit: Unique among UK insurers.
- Medical Condition Coverage: Over 1,300 conditions accepted.
- Optional Add-ons: Cruise, winter sports, gadget cover available.
- Up to unlimited medical expenses (Deluxe), £7,500 cancellation/curtailment, and robust personal liability and baggage cover.
Expert & User Ratings Breakdown
Trustpilot, SmartMoneyPeople, and Third-Party Scores
| Platform | Rating | Reviews | Key Trends |
|---|---|---|---|
| Trustpilot | 4.8/5 (Excellent) | 55,000+ | #3 in UK, praised for medical condition cover |
| BritainReviews | 9.2/10 | 21 (2026 data) | 95% repurchase intent, easy renewals |
| Smart Money People | Mixed, downward trend | 1,625 | Positive for policies, complaints about claim speed |
| Which? | 50–66% | N/A | Mid-table; strong for premiums, fair for bundle options |
Analysis of 2025–2026 Customer Review Trends
Customer feedback in 2025–2026 is dominated by outstanding service, value, and Avanti’s unique strength in pre-existing condition cover and age flexibility. 95% of BritainReviews respondents would buy again. However, there’s a recent dip in five-star reviews on Smart Money People, primarily reflecting some negative experiences with claims processing times.
Real User Testimonials: Positives & Negatives
- Positives: “Effortless experience for over-70s”, “Quick and supportive customer care”, “Comprehensive pre-existing medical coverage”, “Affordable, best value for seniors”.
- Negatives: “Claims process can take longer than advertised,” “Initial sales process is smooth, but claims are slow.” Some users suggest reviewing exclusions carefully to avoid misunderstandings.
Avanti Policy Benefits & Exclusions (2026 Guide)
What’s Covered: Medical, Cancellations & More
- Unlimited emergency medical expenses (Deluxe), up to £10m (other tiers)
- £7,500 cancellation/curtailment per person
- £3,000 baggage cover
- Up to £2 million personal liability
- Standard cover for 85+ leisure activities
- Cruise, gadget, and winter sports add-ons
Policy Exclusions & Common Pitfalls
- Claims from existing medical conditions not declared or accepted
- Travel to destinations under government advisory
- Pandemic-related cancellations not specified at policy purchase
- Acts of self-harm, alcohol/drug-related incidents
- High excess on Essentials tier (£150)
New Features/Riders Introduced in 2026
- Improved digital claims submission platform for faster processing
- New “Active Senior” rider for extra sports activities coverage (for ages 65+)
- Enhanced 24/7 global support for medical emergencies through a new partnership
Claims Experience with Avanti – Data & Stories
Claims Approval Rates & Average Payout Times (2025–2026)
- Over £10 million paid across 8,000+ claims (2025 full-year report)
- 95% of claims decided within 5 working days
- Spot checks reveal ~80% approval rate on medically substantiated claims
Step-by-Step: How to Make a Claim in 2026
- Log in to the online portal provided on Avanti Travel Insurance
- Download and fill in the claim form, attaching all supporting documents (invoices, receipts, medical report)
- Submit documents directly or via email
- Await confirmation and claims handler assignment
- Typical decisions within 5 working days
Real-World Claims Examples
- Medical emergency (Spain): £24,000 hospital costs fully cleared within 7 days, zero excess (Deluxe policy)
- Luggage delay (Greece): £800 paid for essentials, claim settled in 4 days (Classic policy)
- Trip cancellation (Covid flare-up): Paid in full, as event was covered at policy purchase (Deluxe, Summer 2025)
How Avanti Compares to Other UK Travel Insurers (2026)
Avanti vs. Alpha Travel Insurance
- Alpha offers slightly higher Which? ratings (up to 69%) and lower base premiums for under-60s.
- Avanti excels in older and medical coverage, beats Alpha on age inclusivity and digital claims experience.
Avanti vs. AllClear Travel Insurance
- Both cater to seniors and pre-existing conditions, but AllClear has more specialist add-ons for rare conditions.
- Avanti generally cheaper at higher cover levels, with friendlier online interface and faster standard claims approval.
Standout Reasons to Choose Avanti in 2026
- No upper age limit for policies
- Exceptional customer satisfaction, especially for seniors and those with pre-existing medical issues
- Consistently high Trustpilot scores and award-winning service record
Top Tips for Getting the Best from Avanti Travel Insurance
Customizing Your Policy
- Use the online quote tool for tailored medical cover by declaring all conditions
- Add cruise or extreme sports riders if relevant
- Opt for Deluxe for zero excess and broader limits
Avoiding Common Mistakes
- Declare all pre-existing conditions in full before purchase
- Review exclusions (especially around COVID and government advisories)
- Retain all travel and medical receipts for claims
Leveraging Discounts & Offers in 2026
- Annual plans discounted up to 20% during seasonal promotions (see current offers)
- Free kids’ cover on select family policies
- Group travel further discounted with online booking
FAQ: Avanti Travel Insurance in 2026
- Q: Does Avanti cover trips for travelers over 80?
A: Yes, there is no upper age limit. - Q: Are pre-existing medical conditions accepted?
A: Most are covered after medical screening (~1,300 listed). - Q: Is COVID-19 disruption covered?
A: Yes, if specified at the time the policy is purchased. - Q: How long does it take to process a claim?
A: 95% are processed within 5 working days. - Q: What activities are covered?
A: Over 85 standard activities; more can be added via riders.
How We Researched & Rated Avanti Travel Insurance (Methodology)
Data Sources & Review Aggregation
- Aggregate user ratings from Trustpilot, BritainReviews, SmartMoneyPeople, Which?, and real customer testimonials (2025–2026)
- Reviewed policy wordings, past claims data, and pricing structure on official and partner websites
- Referenced industry awards and comparative studies from UK insurance analysts
Our Scoring System (2026 Criteria)
- User satisfaction (35%)
- Financial limits and exclusions (20%)
- Claims speed and approval rates (20%)
- Feature set and digital experience (15%)
- Value versus competitors (10%)
Expertise & Editorial Integrity
- All research verified using live aggregator, insurer, and regulatory sources
- Analysis cross-referenced against recent buyer feedback and expert panel findings
- No paid promotions; recommendations based on objective scoring and in-depth review data
Ready to compare or buy? Check plans and quotes directly at Avanti Travel Insurance.