Churchill Travel Insurance: What Is It and Is It Any Good?

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

When planning a trip, it’s essential to consider travel insurance as a safeguard against unforeseen events. Churchill Travel Insurance is one such provider that has caught the attention of many travelers. In this article, we’ll explore what Churchill Travel Insurance is, its offerings, and whether it’s a good choice for your travel insurance needs. We’ll delve into the key aspects of their policies to provide you with a well-rounded understanding of their services.

Overview of Churchill Travel Insurance

Brief history of the company: Churchill Insurance was established in 1989 and has since become a well-known brand in the UK insurance market.

Reputation in the insurance market: Churchill is known for its competitive pricing, comprehensive coverage options, and strong customer service.

Types of policies offered: Churchill Travel Insurance offers policies for single trips, annual multi-trips, and long-stay trips.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Key Coverage Features

Medical expenses and hospitalization: Churchill policies cover emergency medical expenses and hospitalization costs up to a specified limit.

Emergency medical evacuation and repatriation: The plans include coverage for emergency medical evacuation and repatriation to your home country.

Trip cancellation, interruption, and delay: Churchill policies provide compensation for trip cancellation, interruption, and delay due to covered reasons.

Baggage loss or delay: The company offers coverage for lost, stolen, or damaged baggage, as well as baggage delay.

Personal liability: Churchill policies include personal liability coverage, protecting you against claims arising from accidental injury or property damage.

Optional add-ons: The insurer offers optional add-ons such as winter sports coverage and business travel extensions.

Pre-existing Medical Conditions

Policy on covering pre-existing conditions: Churchill provides coverage for certain pre-existing medical conditions, subject to eligibility criteria and proper declaration.

Eligibility criteria and declaration process: Travelers must complete a medical screening process to determine if their pre-existing conditions can be covered.

Limitations and exclusions: It’s essential to read the policy documents to understand any limitations or exclusions related to pre-existing medical conditions.

Policy Pricing and Customization

Range of premium options: Churchill offers various premium levels, allowing travelers to choose the most suitable option based on their budget and coverage needs.

Flexibility in choosing coverage limits: Policyholders can customize their coverage limits for various aspects, such as medical expenses and baggage.

Policy upgrades and additional coverage options: Travelers can enhance their policies with optional add-ons like winter sports coverage or business travel extensions.

Claims Process and Customer Support

Steps to file a claim: To file a claim, policyholders must notify Churchill’s claims department, providing necessary documentation and information.

Documentation requirements: Claims typically require supporting documents, such as medical reports, receipts, and travel itineraries.

Customer support availability and responsiveness: Churchill offers customer support via phone and email, with many users reporting positive experiences with the company’s assistance.

User experiences with claims processing: While individual experiences may vary, many customers appreciate the company’s efficient claims processing and fair settlements.

Pros and Cons of Churchill Travel Insurance

Advantages: Churchill Travel Insurance stands out for its competitive pricing, comprehensive coverage, and strong customer service.

Disadvantages: Some travelers may find the medical screening process for pre-existing conditions cumbersome or may be ineligible for coverage.

Comparing Churchill Travel Insurance to Other Providers

Comparison of coverage features, pricing, and customer satisfaction: While Churchill offers a compelling package, it’s essential to compare its offerings with other providers to ensure the best fit for your needs.

Recommendations for specific traveler profiles (e.g., adventure seekers, seniors, families): Adventure seekers may appreciate Churchill’s optional winter sports coverage, while seniors and families may benefit from the company’s competitive pricing and comprehensive coverage options.


Churchill Travel Insurance offers a range of policies designed to meet the needs of various travelers. By examining its coverage features, pricing, claims process, and customer experiences, we’ve provided you with a comprehensive understanding of what this insurance provider has to offer.

While it may have its advantages and disadvantages, it’s crucial to weigh these factors against your specific travel requirements and preferences. In doing so, you can make an informed decision about whether Churchill Travel Insurance is the right choice for your next journey.

Remember that comparing different providers and plans is an essential step in finding the best travel insurance policy for your unique needs. Safe travels!