Travel insurance is not the most exciting part of booking a holiday. But getting the wrong level of cover, or skipping it entirely, can turn a manageable problem into a costly one. Jet2 offers three tiers through jet2insurance.com: Essential, Super, and Super Plus. For most UK holidaymakers, Super Plus is the right choice. Essential has gaps that are worth understanding before you commit.
Here is what each policy covers, where the limits bite, and how to decide which tier to buy.
What the three tiers cover
Jet2Insurance offers single trip and annual multi-trip policies across three levels of cover. Here is how the key limits compare.
| Cover | Essential | Super | Super Plus |
|---|---|---|---|
| Medical expenses | £5,000,000 Lower limit | £10,000,000 Full cover | £10,000,000 Full cover |
| Cancellation | £1,000 Limited | £3,000 Good | £3,000 Good |
| Baggage | £1,000 | £1,500 | £2,000 Highest |
| Excess per claim | £200 Highest | £150 Mid | £99 Lowest |
| Flight delay | £20 / 12h | £25 / 12h | £40 / 12h |
| Personal liability | £1,000,000 | £2,000,000 | £2,000,000 |
| Personal accident | £10,000 | £20,000 | £30,000 |
What those limits mean in practice
The most important figure on any travel insurance policy is the medical cover limit. Essential’s £5 million sounds substantial, but most travel insurance experts recommend a minimum of £10 million, particularly for destinations outside Europe where healthcare costs can be extreme. Super and Super Plus both deliver £10 million, putting them alongside the better standalone policies on the market.
Cancellation cover matters most when you are paying a significant amount upfront. Essential’s £1,000 cap is tight. A two-week family trip to the Canary Islands or Turkey can cost three times that. If you need to cancel for a covered reason, Essential may not get you back to zero. Super and Super Plus both offer £3,000, which covers the cost of most holiday deals booked through Jet2.
The excess also has a practical impact. Essential’s £200 per-claim excess means smaller incidents (delayed luggage, a stolen camera, a minor medical visit) may not be worth claiming at all. Super Plus’s £99 excess is considerably more workable.
Where the cover falls short
There are a few areas where all three Jet2 tiers trail the market leaders.
Jet2Insurance does not include cruise cover. If you are adding a cruise leg to your holiday, you will need a specialist policy. That is a separate consideration from Jet2’s cancellation policy, which covers what happens when the airline cancels your flight.
Annual Multi-Trip policies have an age cap of 70. Anyone over 70 who wants annual cover will need to look elsewhere. Single trip policies are available up to the age of 85, so older travellers are not excluded entirely.
Pre-existing conditions are accepted across over 200 conditions, but you must declare them during the quote process and may face an additional premium. If your medical history is complex, compare the Jet2 quote against a specialist provider before committing.
One quirk worth noting: the money and cash limit on Super is £200, which is lower than Essential’s £300. Super Plus corrects this at £500, but it is an unusual step down if you are choosing Super over Essential.
Annual or single trip?
If you are taking two or more trips a year, the Annual Multi-Trip policy is usually cheaper than buying separate cover each time. It covers up to 31 days per trip, with winter sports included free for up to 21 days.
Kids travel free on Jet2 family policies. Up to four children aged 0 to 17 are included at no extra cost, which is a meaningful saving on a family summer holiday. Annual family policies covering two adults and up to four children are available across all three tiers.
Single trip policies cover up to 365 days and are available up to the age of 85, making them a better option for longer trips or for travellers who hit the annual policy age cap.
Is it worth buying?
For most Jet2 travellers, Super Plus offers the best value within the range. The price difference between Essential and Super Plus is typically around £7 for a week in Europe. For that, you get double the medical cover, triple the cancellation cover, a lower excess, and significantly better personal accident terms.
Essential is adequate only if your trip is short, your costs are low, and you have no significant medical history. For anyone spending more than £1,000 on a holiday, or travelling with children, Essential’s cancellation cap is too narrow.
Compared with the wider market, Jet2Insurance is competitive. It is not always the cheapest option, but the cover on Super Plus is solid and the convenience of buying within your Jet2 booking has real value. Before you fly, confirm Jet2’s hand luggage allowance and your checked baggage allowance to avoid paying more than you need to on luggage fees. And if you are still searching for the right trip, our cheap flights page covers the best current prices from UK airports.
| Your situation | Our view |
|---|---|
| Short European break under £1,000 | Super works well |
| Family holiday with children | Any tier, kids go free Good value |
| Multiple trips a year, under 70 | Annual Multi-Trip |
| Holiday costing over £3,000 | Compare elsewhere first Check limits |
| Cruise holiday | Look elsewhere Not covered |
| Traveller aged over 70 | Look elsewhere for annual cover Age cap |
Frequently asked questions
Is Jet2 travel insurance worth it?
Super Plus is worth buying for most Jet2 trips. It offers £10 million medical cover, £3,000 cancellation cover, and a £99 excess per claim, and the price difference over Essential is typically around £7 for a week in Europe. Essential has meaningful gaps on medical and cancellation that make it a weaker option for most travellers.
Can I buy Jet2 insurance without a Jet2 flight?
Yes. Jet2Insurance at jet2insurance.com is available for any trip, not just Jet2 bookings. You can buy single trip or annual multi-trip cover for travel with any airline.
Does Jet2 travel insurance cover pre-existing conditions?
It covers over 200 pre-existing conditions, but you must declare them during the quote process and may face an additional premium. If your medical history is complex, compare Jet2’s quote against a specialist provider before committing.
What is the excess on Jet2 travel insurance?
The excess is £200 on Essential, £150 on Super, and £99 on Super Plus, applied per claim. A lower excess on Super Plus makes smaller claims more practical to pursue.
Does Jet2 travel insurance cover cancellation?
Yes. Cancellation cover is £1,000 on Essential and £3,000 on Super and Super Plus, covering reasons including illness, redundancy, and COVID-19. For information on what Jet2 covers if the airline cancels your flight, see our guide to Jet2’s cancellation policy.
Does Jet2 insurance cover flight delays?
Yes. Delayed departure cover applies after a 12-hour delay: £20 per person up to £200 on Essential, £25 per person up to £300 on Super, and £40 per person up to £400 on Super Plus.
Can I add winter sports cover to Jet2 insurance?
Winter sports cover is an optional add-on for single trip policies. It comes included free for up to 21 days on Annual Multi-Trip policies, which makes the annual option particularly good value for skiers.
How do I make a claim on Jet2 travel insurance?
Claims can be made online through jet2insurance.com or by phone on 02380 177284. Emergency medical assistance is available 24 hours a day on +44 (0)2380 177474, with support provided in partnership with AXA.
