Is Wizz Air travel insurance worth it? Only as a last resort, and only once you know its cheaper option won’t come close to covering a real emergency abroad, capped at just £500 plus your flight cost. It’s underwritten by Chubb, a genuine insurer, not a WIZZ-branded imitation, but Which? still rated the add-on a rip-off extra, well short of the £3,000 of cover it recommends as a baseline.
What Wizz Air travel insurance covers
Wizz Air sells travel insurance as an add-on when you book, through a partner page on wizzair.com. UK residents can choose between two separate products, not tiers of the same policy. The fuller option covers medical costs and baggage as well as cancellation. Cancellation Insurance is the cheaper one, and it covers cancellation only, with nothing else included.
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- The fuller option: 24/7 emergency medical assistance, cancellation cover, overseas medical expenses, cover for lost or stolen baggage, missed departure cover, and accidental death cover
- Cancellation Insurance: cancellation cover and cover if you have to cut your trip short, with no medical or baggage cover at all
- A separate baggage-only policy exists, but only for residents of Bulgaria, Germany and Poland, so it doesn’t apply to UK bookings
Picking the cheaper Cancellation option, then assuming you’re covered if you fall ill abroad, is a common way to end up with the wrong product. Read the policy information document shown at checkout, not just the price, before you decide which one you’re buying.
Who underwrites it
Chubb European Group SE underwrites both UK products (Chubb Insurance Switzerland covers Swiss residents separately). Wizz Air Hungary Airlines Ltd is registered as an Appointed Representative of Chubb for the UK, under FCA reference 494158, which means it sells and distributes the policy rather than underwriting it. It isn’t who you’d be claiming against either.
“I’ve seen readers grab Cancellation Insurance because it’s the cheaper option sold right next to the fuller one, then find out it doesn’t cover illness, injury or anything abroad. Just the booking itself. Chubb underwrites both, not Wizz Air, so if you’re ever claiming, you’re dealing with the insurer, not the airline whose name got you to click ‘add cover’. Read the product name properly.”
Kate Acaster, Chief Editor, Flight Tribe
What Wizz Air travel insurance doesn’t cover
Which? found the cancellation and curtailment payout under the Chubb/Wizz Air add-on caps at £500 plus your flight cost, a fraction of the £3,000 of cover Which? recommends as a sensible baseline for most trips.
- Everyone named on the booking needs to be under 65 to buy either policy
- Neither product covers travel to or through Cuba
- Trips longer than 30 days aren’t covered at all
- Pre-existing medical conditions aren’t automatically included, you’d need to declare one when you buy, and cover for it isn’t guaranteed
There’s also a standing-rights gap worth knowing about. UK insurance normally gives you a 14-day cooling-off period to cancel and get your money back. Wizz Air’s own policy wording confirms that right doesn’t apply to policies lasting under a month, which covers most standard trip-length bookings. Buy the wrong product by mistake, and you may not be able to simply cancel it.
Which?’s rip-off airline extras investigation makes the same point about value. A standalone annual multi-trip policy from a comparison site typically covers the whole trip rather than just the flight, comes with a higher medical and cancellation limit than the £500 cap Which? found, and lets you compare the price before you commit rather than seeing it for the first time at checkout.
How much does Wizz Air travel insurance cost?
There’s no fixed published price. Wizz Air calculates the cost automatically when you book, based on your trip length, destination and age. That makes it hard to compare in advance, which is itself a reason to get a standalone quote first, before you see the airline’s figure at checkout.
What are the claims like?
Claims go through a dedicated Claims Portal linked from Wizz Air’s own site, administered by Chubb rather than the airline directly. Reviews of Chubb’s cover on Trustpilot show a recurring pattern. Simple claims, such as a delayed bag, tend to go through without much trouble. Medical and cancellation claims generate more complaints, mainly about slow responses and being passed between departments before a decision is reached.
Is Wizz Air travel insurance worth it?
For a single, cheap, short-haul Wizz Air trip with nothing else booked, Cancellation Insurance is better than travelling with no cover at all, as long as you understand it won’t help you if you fall ill abroad. The fuller option is a reasonable stopgap for a similar short trip too, but the £500 cancellation cap Which? flagged is thin for anything more expensive than a budget city break. Fly more than once or twice a year, and a standalone annual multi-trip policy will almost always beat buying this add-on every time you book.
More on flying with Wizz Air
For more on flying with Wizz Air, see our guides on when Wizz Air check-in opens, whether Wizz Air flights are refundable, Wizz Air’s hand luggage rules, and the best carry-on bag for Wizz Air. For how other airlines compare, see our reviews of easyJet travel insurance, Ryanair travel insurance, and British Airways travel insurance.
Frequently asked questions
What does Wizz Air travel insurance cover?
It depends which of the two products you buy. The fuller option includes emergency medical assistance, cancellation cover, overseas medical expenses, baggage cover and missed departure cover. Cancellation Insurance covers cancellation and curtailment only, with nothing else included.
Who underwrites Wizz Air’s travel insurance?
Chubb European Group SE underwrites it. Wizz Air Hungary Airlines Ltd is registered as Chubb’s Appointed Representative for the UK (FCA reference 494158) and sells the policy, but doesn’t underwrite it.
Does Wizz Air’s Cancellation Insurance include medical cover?
No. Cancellation Insurance covers cancellation and curtailment only. You’d need the fuller option, or a standalone policy, for emergency medical or baggage cover.
Is there an age limit on Wizz Air travel insurance?
Yes. Everyone named on the booking must be under 65 at the time of purchase to buy either policy.
How much does Wizz Air travel insurance cost?
There’s no fixed price. Wizz Air calculates the cost automatically when you book, based on your trip length, destination and age.
Can I cancel Wizz Air travel insurance after buying it?
Not reliably. UK insurance usually carries a 14-day cooling-off right, but Wizz Air’s own policy wording confirms this doesn’t apply to policies lasting under a month, which covers most standard trip-length bookings.
Does Wizz Air travel insurance cover Cuba?
No. Neither product covers travel to or through Cuba, regardless of which of the two options you buy.
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Kate Acaster is Chief Editor at Flight Tribe. She writes about practical travel planning, budget airlines, baggage rules, city breaks, beach holidays and good hotels that do not cost daft money.
Kate has travelled through Europe, South America and beyond, usually with a notebook, a half-formed plan and a strong opinion on airport snacks. At Flight Tribe, her work focuses on helping UK travellers understand what is included, what costs extra, and whether a trip is worth booking at the price shown.
How Kate works
Kate checks the details that can change the value of a trip, including cabin-bag rules, airline fees, hotel location, seasonality, travel dates and booking conditions. She is especially interested in offers that look useful on the surface but need a proper reader-first check before they are worth recommending.
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