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Avanti

★ 4.4

Avanti is a UK travel insurance provider offering cover for a range of travellers, with a particular focus on older travellers and people with pre-existing medical conditions.

Overview

Avanti offers travel insurance for single trips, annual multi-trip travel and longer stays, with options designed for different ages and travel needs.
Travellers can declare pre-existing medical conditions through the provider's medical screening process. Cover is subject to assessment, acceptance and the terms of the selected policy.
Depending on the policy and optional cover selected, protection may include emergency medical expenses, cancellation, baggage and other travel-related benefits.

Features

✓ Different levels of cover: Avanti offers Essentials, Classic and Deluxe policy tiers, with cover limits and benefits varying by the level selected.
✓ Emergency medical cover: Limits vary by policy tier, with higher levels of cover available on selected plans.
✓ Cancellation and curtailment: Cover ranges from £1,000 per person on Essentials to £5,000 per person on selected higher-tier policies.
✓ Baggage and belongings: Cover ranges from £1,000 to £3,000 depending on the policy level selected.
✓ Personal money: Selected policies include cover for lost or stolen cash, with limits varying by policy tier.
✓ Personal liability: Policies include up to £2 million of personal liability cover.
✓ Medical screening: Travellers can declare pre-existing medical conditions through the provider's screening process, subject to assessment and acceptance.

Summary

✓ Avanti offers travel insurance with a particular focus on older travellers and people who need to declare pre-existing medical conditions.
✓ Policy options include single-trip, annual multi-trip and long-stay cover, with eligibility and maximum trip durations varying by policy and age.
✓ The provider may suit travellers who value medical screening, a choice of cover levels or options designed for different travel needs.
✓ Depending on the policy selected, cover may include emergency medical expenses, cancellation, baggage protection and other travel-related benefits.
✓ Travellers should compare medical screening requirements, age limits, trip-duration rules, excess amounts and exclusions before buying.

Older travellersMedical condition coverCruise travel options

Pros

✓ Cover for older travellers: Single-trip options may be available across a wide range of ages, subject to current eligibility requirements.
✓ Medical screening: Travellers can declare pre-existing medical conditions for assessment when applying for cover.
✓ Higher medical cover options: Selected policy tiers offer increased emergency medical cover limits.
✓ Annual multi-trip options: Annual cover may be available to older travellers, subject to current age limits and eligibility requirements.
✓ European healthcare arrangements: The policy terms may include specific excess rules when eligible state healthcare is used in Europe.

Cons

• Valuables and baggage rules: High-value items may be subject to specific conditions, exclusions and single-item limits, particularly when placed in checked baggage.
• Premium costs: Cover may cost more for older travellers or people with medical conditions, depending on the results of medical screening.
• Single-item limits: Standard baggage cover may have relatively low limits for individual valuable items, so travellers should check whether additional gadget or valuables cover is needed.
• No post-departure cover: Policies are generally designed for eligible UK residents who arrange cover before starting their trip.

Best For

✓ Older travellers
✓ Medical condition cover
✓ Cruise travel options

Who Should Choose Avanti

✅ Who may want to consider Avanti?
✅ Older travellers
Avanti offers travel insurance options for older age groups, subject to the eligibility rules of the policy selected.
✅ Travellers with pre-existing medical conditions
Medical conditions can be declared through the provider's screening process. Cover is subject to assessment, acceptance and any additional terms or premium.
✅ Older travellers looking for annual multi-trip cover
Annual multi-trip options may be available to older travellers, subject to current age limits, trip-duration rules and other eligibility requirements.
✅ Travellers awaiting medical investigations or treatment
Cover may still be available in some circumstances, but claims related to an undiagnosed condition, waiting-list treatment or ongoing investigation may be excluded. Travellers should check the current terms carefully.
✅ Travellers looking for different levels of cover
Avanti offers several policy tiers with different cover limits, excess amounts and included benefits.
❌ Who may want to compare other options?
❌ Travellers carrying high-value jewellery or valuables
Valuables may be subject to specific baggage rules, exclusions and single-item limits, so travellers should check how and where eligible items must be carried.
❌ Younger travellers looking for basic cover
Travellers with simple needs may want to compare a wider range of providers and policy levels before choosing.
❌ Travellers who want gadget cover included automatically
Gadget protection may require additional cover, so travellers carrying valuable devices should check what is included before buying.

Faq

Is there an upper age limit for Avanti travel insurance?
Age limits can vary depending on the type of policy selected. Single-trip and annual multi-trip cover may have different eligibility rules, so travellers should check the current terms before buying.
How long can I travel for with an Avanti policy?
Maximum trip duration varies depending on the policy type, the traveller's age and the level of cover selected. Travellers should check the current policy terms for the exact limit that applies.
Can I buy cover if I am waiting for medical tests or treatment?
Cover may still be available in some circumstances, but claims connected to an undiagnosed condition, ongoing investigation or planned treatment may be excluded. Travellers should answer all medical screening questions accurately and check the current terms before buying.
Do I need to declare pre-existing medical conditions?
Travellers should declare any medical conditions requested during the application and screening process. Cover is subject to assessment, acceptance and any additional terms or premium.
Are smartphones, laptops and tablets covered automatically?
Gadget cover may not be included automatically with every policy. Travellers carrying valuable electronic devices should check the policy limits and whether additional gadget cover is needed.

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Disclaimer

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We are not an insurer or insurance broker. We do not provide regulated advice or personal recommendations.