easyJet travel insurance is sold at checkout in three tiers: Silver, Gold and Platinum. All three are underwritten by Astrenska Insurance Ltd (FCA register number 202846), part of the Collinson Group, which previously traded under the Columbus Direct name.
This article looks at what each tier covers, where the limits fall short, and whether easyJet’s insurance offers good value compared with buying a standalone policy. If you are planning an easyJet trip, our guides to easyJet cabin bag sizes and when easyJet releases flights cover the other common questions.
What the three tiers cover
| Cover | Silver | Gold | Platinum |
|---|---|---|---|
| Emergency medical | £2,000,000 | £5,000,000 | £10,000,000 |
| Cancellation | £1,000 | £3,000 | £5,000 |
| Baggage | £1,000 | £1,250 | £1,500 |
| Single item limit | £250 | £250 | £400 |
| Valuables total | £250 | £250 | £400 |
| Personal liability | £1,000,000 | £1,000,000 | £2,000,000 |
| Personal accident | Not included | £15,000 | Not included |
| Delayed departure | Not included | £90 (£30 per 8 hrs) | Included |
| Missed departure | Not included | £500 per policy | Included |
| Excess per claim | £125 | £99 | £60 |
What those limits mean in practice
The emergency medical cover on all three tiers is high by budget airline standards. Silver’s £2 million limit is considerably more than the €150,000 ceiling on Ryanair’s XCover-underwritten policy, and enough for most medical emergencies, including USA hospital treatment.
The excess is where Silver starts to look less compelling. At £125 per claim, you pay that amount before the insurer covers anything. If lost luggage is worth £300, the insurer pays only £175. Gold cuts the excess to £99; Platinum to £60.
The baggage limits deserve careful reading. A total of £1,000 on Silver sounds reasonable, but the single item limit is £250 on both Silver and Gold. A laptop worth £800 is covered to £250. Platinum raises the single item limit to £400, which is still below the cost of most current smartphones.
Where the cover falls short
Pre-existing medical conditions are the area that catches most people out. EasyJet’s policy requires you to declare any conditions at the time of purchase. Failing to disclose could void the policy entirely. Depending on the condition, you may pay a higher premium or find the condition excluded from medical cover.
Winter sports are not included in any tier as standard. Personal accident cover appears only on Gold. Silver provides nothing, and Platinum also omits it, which is an unusual gap for the top tier.
Delayed departure cover does not exist on Silver. On Gold, you receive £30 for every eight hours of delay, up to £90. That ceiling is low if a cancellation leaves you waiting 24 hours for a replacement flight.
Annual or single trip?
EasyJet’s insurance is a single-trip policy only. There is no annual option at checkout. If you take more than two or three flights a year, an annual multi-trip policy from a comparison site will almost certainly cost less per journey. Annual policies typically cover unlimited trips up to 31 days each, and for a family of four can work out cheaper than buying single-trip cover for even two holidays.
Is easyJet travel insurance worth buying?
For most travellers taking a European holiday, Gold offers the best balance of cover and value. The lower excess than Silver, the addition of missed departure cover, and the £3,000 cancellation limit are meaningful upgrades for a small price increase. Platinum makes sense for long-haul travel, particularly the USA, where the £10 million medical limit and lower £60 excess provide wider protection.
In all cases, spend two minutes on a comparison site before accepting the checkout offer. EasyJet’s prices are not always the cheapest for equivalent cover. For comparison, see our reviews of Ryanair travel insurance and Jet2 travel insurance. For more on other easyJet extras, see our guide to easyJet Speedy Boarding.
Frequently asked questions
Is easyJet travel insurance worth it?
It depends on the tier and how often you travel. Gold offers reasonable value for a European trip, with a lower excess and better cancellation cover than Silver. For regular travellers, an annual multi-trip policy from a comparison site will almost always cost less overall.
What does easyJet travel insurance cover?
All three tiers include emergency medical cover, cancellation, baggage and personal liability. Gold and Platinum add delayed and missed departure cover. Platinum provides the highest limits across most categories. Winter sports and pre-existing conditions are not automatically included in any tier.
What is the excess on easyJet travel insurance?
The excess is £125 on Silver, £99 on Gold and £60 on Platinum. This is the amount you contribute to each claim before the insurer pays the rest. A lower excess reduces out-of-pocket costs if you need to claim, but comes with a higher premium.
Does easyJet travel insurance cover pre-existing conditions?
It can, but you must declare any pre-existing conditions at the time of purchase. Failure to disclose could invalidate the policy. Depending on the condition, cover may come at a higher premium or the condition may be excluded from medical cover entirely.
Is easyJet travel insurance good for USA travel?
The higher tiers are better suited to US travel. Platinum’s £10 million medical limit provides a substantial margin for American hospital costs, which can run to six figures for a serious injury. Silver’s £2 million is technically sufficient for most emergencies but leaves less headroom. Compare against specialist US travel insurance policies before committing.
How does easyJet travel insurance compare to standalone policies?
Standalone policies from comparison sites such as GoCompare or Compare the Market often offer similar or better cover at competitive prices, particularly for annual multi-trip policies. The main advantage of buying at checkout is convenience; the main disadvantage is that you cannot customise the policy or compare alternatives before committing.
