Avanti Travel Insurance — Key Facts 2026
| Feature | Detail |
|---|---|
| Provider | Avanti Travel Insurance — trading name of TICORP Limited |
| Administered by | Howserv Limited |
| FCA reference | FRN 663617 — trading into UK on freedom of services basis |
| Trustpilot rating | Excellent — 115,000+ reviews |
| Speciality | Pre-existing medical conditions, older travellers |
| Policy types | Single trip, annual multi trip, long stay |
| Sports covered | 85 sports and activities as standard |
| Maximum trip length | Over 104 days available on long stay policies |
Avanti Travel Insurance Policy Types
| Policy Type | Best For | Pre-Existing Conditions? | Max Trip Length |
|---|---|---|---|
| Single Trip | One-off holiday or UK travel | ✅ Yes — declare at quote | Up to 94 days standard |
| Annual Multi Trip | Multiple trips per year | ✅ Yes — declare at quote | Up to 45 days per trip |
| Long Stay | Extended travel — backpackers, gap year | ✅ Yes — declare at quote | Over 104 days |
| Winter Sports Add-On | Ski holidays | ✅ Yes | As per base policy |
Level of Cover — What Avanti Travel Insurance Includes
| Cover Type | Standard Level | Notes |
|---|---|---|
| Emergency medical cover | Up to £10 million | Including repatriation to UK |
| Cancellation cover | Up to £5,000 | Covers pre-booked costs if you cannot travel |
| Baggage cover | Up to £2,500 | Single item limit applies |
| Travel delay | ✅ Yes | After minimum delay period |
| Personal liability | Up to £2 million | If you injure someone or damage property abroad |
| Pre-existing medical conditions | ✅ Yes — must declare | Additional premium applies based on condition |
| 85 sports and activities | ✅ Covered as standard | Including cycling, hiking, snorkelling |
| Winter sports | Optional add-on | Ski, snowboard, piste rescue |
Pre-Existing Medical Conditions — How Avanti Handles Them
Avanti Travel Insurance specialises in providing travel insurance reviews for travellers with pre-existing medical conditions — one of the most challenging areas of the UK travel insurance market. Many standard insurers either exclude pre-existing conditions entirely or charge prohibitively high premiums.
Avanti requires you to declare all pre-existing medical conditions at the point of getting a quote. The system screens conditions and provides a premium based on the specific conditions declared. Common conditions covered include heart conditions, diabetes, cancer (in remission), COPD, stroke history and many others.
Key rules for pre-existing medical conditions:
- All conditions must be declared at quote stage — not doing so invalidates your policy
- You must also declare any conditions that develop after you buy the policy and before you travel
- The policy only covers declared conditions — undeclared conditions are excluded
- If your medical condition changes significantly, contact Avanti to update your policy
Avanti Travel Insurance vs Key Competitors
| Provider | Pre-Existing Conditions | Trustpilot | Sports Covered | Best For |
|---|---|---|---|---|
| Avanti | ✅ Specialist — 115k+ reviews | Excellent | 85 standard | Medical conditions, older travellers |
| Staysure | ✅ Specialist | Excellent | Varies by policy | Over 50s, conditions |
| Coverwise | ✅ Yes | Good | Varies | Budget cover |
| AllClear | ✅ Specialist | Excellent | Varies | Complex medical conditions |
| Direct Line | ✅ Limited | Good | Limited | Standard travellers |
What Customers Say — Avanti Travel Insurance Reviews
Avanti Travel Insurance is rated Excellent on Trustpilot based on over 115,000 verified customer reviews — making it one of the most reviewed travel insurance providers in the UK. Common themes in positive reviews include ease of purchase, competitive pricing for medical conditions and helpful customer service during the quote process.
Critical reviews — particularly on Tripadvisor forums — note that reviews relating to the claims process are more mixed. Some customers report difficulties with claims processing and communication during emergencies. This is a pattern seen across many specialist travel insurance providers and underlines the importance of reading your policy carefully and understanding the claims process before you travel.
Avanti Travel Insurance Pros and Cons
✅ Pros
- Excellent Trustpilot rating — 115,000+ reviews
- Specialist pre-existing medical conditions cover
- 85 sports and activities covered as standard
- Single trip, annual multi trip and long stay options
- Long stay policies cover trips over 104 days
- Winter sports add-on available
- Competitive pricing for older travellers
❌ Cons
- Claims process reviews more mixed than purchase reviews
- Not FCA authorised directly — trades into UK from Gibraltar
- Pre-existing condition premiums can be high for serious conditions
- Annual multi trip max 45 days per trip — lower than some rivals
Avanti Travel Insurance is a strong option for UK travellers with pre-existing medical conditions who struggle to find affordable standard cover. The 115,000+ Trustpilot reviews and Excellent rating reflect genuine customer satisfaction at the purchase stage. The key caveat — as with all travel insurance — is to read your policy thoroughly before travelling, understand the claims process and keep all documentation. For standard healthy travellers without medical conditions, comparing Avanti against a broader panel of insurers via a comparison site may find cheaper equivalent cover.
Frequently Asked Questions
Is Avanti Travel Insurance FCA regulated?
Avanti Travel Insurance is a trading name of TICORP Limited, authorised and regulated by the Gibraltar Financial Services Commission (FRN 663617) and trading into the UK on a freedom of services basis. It is not directly FCA authorised but operates legally in the UK market.
Does Avanti cover pre-existing medical conditions?
Yes — this is Avanti's speciality. You must declare all pre-existing medical conditions at the point of getting a quote. An additional premium applies based on the conditions declared. Undeclared conditions are not covered.
What is Avanti's Trustpilot rating?
Avanti Travel Insurance is rated Excellent on Trustpilot with over 115,000 reviews — one of the highest review counts of any UK travel insurance provider.
Does Avanti offer annual multi trip insurance?
Yes — Avanti offers annual multi trip policies covering unlimited trips within a year, with a maximum of 45 days per individual trip. Single trip and long stay policies over 104 days are also available.
What sports does Avanti Travel Insurance cover?
Avanti covers 85 sports and activities as standard including hiking, cycling, snorkelling and many water sports. Winter sports (ski and snowboard) are available as an optional add-on at additional cost.
This article is for information purposes only and does not constitute financial advice. Always seek regulated financial or mortgage advice before making decisions. Your home may be repossessed if you do not keep up repayments on a mortgage or secured loan.