What is Avanti Travel Insurance
Avanti Travel Insurance is a UK based provider offering travel insurance policies for a wide range of travellers including single trip, annual multi trip, worldwide, cruise cover, and policies for travellers with medical conditions or older age.
They promote themselves as inclusive: many reviews and their own website highlight that Avanti insures people with pre-existing conditions, and that there is no upper age limit.
According to their publicly shared data, last year they paid out over £10 million on more than 8,000 claims, and reportedly 95% of claims received a decision within five working days. This suggests a commitment to claim handling and some reliability important features when travel insurance is needed most.
Why Many Travellers Choose Avanti
✅ Inclusive Coverage & Flexibility
One of Avanti’s big appeals is its acceptance of travellers who may have pre-existing health conditions often a sticking point with insurers. Users on review platforms frequently mention that they managed to get coverage even with medical issues.
Because of this flexibility, Avanti becomes a strong option for older travellers, frequent travellers needing annual/multi trip insurance, or those who need more inclusive medical coverage abroad (for example for necessary ongoing treatments or potential emergencies).
✅ Clear & Efficient Service
Many recent reviewers (2025) praise Avanti’s customer service. Comments often highlight friendly and helpful staff, clear explanations of policy coverages, good responsiveness sometimes even over phone calls.
The process seems straightforward: users say getting quotes, applying, or renewing policies is easy, and that their documentation arrives promptly.
✅ Variety of Plans, Including Cruises and Worldwide Travel
Avanti offers a variety of plans to match different traveller needs: single trip or multi trip coverage; worldwide destination or European only; cruise travel cover; and options that include medical cover, cancellation, baggage protection, etc.
This variety makes Avanti useful for many kinds of travellers from occasional holidaymakers to people travelling frequently, for cruises, or with more complex health/travel needs.
What to Watch Out For Complaints & Limitations
Despite generally positive feedback, some users report issues or frustrations with Avanti.
⚠️ Price and Premium Changes
Some travellers say that while initial quotes may look attractive, premiums can increase on renewal or when destination/duration changes especially for older travellers or those with medical conditions.
One complainant wrote that after filling in forms (with a wrong day for trip start), they incurred unexpected charges suggesting it’s important to double check all input data when purchasing.
⚠️ Complexity of Medical Disclosure & Policy Conditions
A few reviews express frustration with the amount of detail required, especially regarding medical history and medications. Some felt that simple “no” answers didn’t prevent follow up questions.
As with many insurers, not declaring medical conditions accurately or failing to state ongoing treatments may risk invalidating coverage a general caveat with travel insurance.
⚠️ Auto Renewal & Communication
Some users noticed automatic renewal behavior and mention potential complications if they forget to review or check their policy details during renewal.
Additionally, there are occasional comments about user-experiences where online account management (like password resets) or policy updates were less smooth than expected.
Who Avanti is Best For and Who Should Be Cautious
Good candidates for Avanti:
- Travellers with pre existing health conditions or older travellers needing inclusive coverage.
- People planning cruise trips, worldwide travel, or frequent trips who benefit from flexible plans and multi trip coverage.
- Those who value good customer support, and want a provider that is relatively easy to contact and responsive if issues arise.
- Anyone who needs a comprehensive travel insurance package (medical, cancellation, baggage, trips) rather than minimal basic cover.
Exercise caution (or compare carefully) if you:
- Have complex medical history, frequent medication use ensure all information is declared properly.
- Are sensitive to costs, since premiums may climb depending on age, destination, or declared risk.
- Prefer simplest, cheapest cover possible might be overkill if you only need basic protection for a short, domestic or low risk trip.
- Need maximum clarity on inclusions/exclusions always read the policy document carefully (especially for high risk activities or pre-existing conditions).
My View: A Balanced, Often Reliable Choice
Overall, Avanti Travel Insurance appears to strike a decent balance between flexibility, coverage breadth, and service quality. Its willingness to insure older travellers or those with medical conditions and its variety of policy types (single, annual, worldwide, cruise) make it a versatile option for many travellers.
That said like all travel insurance its value depends heavily on honesty at declaration, accuracy when filing applications, and understanding the policy terms. Especially if you have medical conditions or specific travel needs, it’s worth double checking fine print, exclusions, and renewal conditions.
If you travel moderately often or have complex needs (health, multiple trips, cruises), Avanti is among the solid options. If you travel rarely and avoid risky behaviours, there might be simpler/cheaper alternatives but Avanti’s comprehensiveness offers peace of mind many find worth the cost.
