Spectrum Travel Insurance Reviews 

Avoid this company. Covid-19 made travel impossible, so I took Spectrum up on their offer to cancel the remaining 4 months of the policy. They refund 5% of the value, after deducting a further £15 fee. I got £6.80 back on a £145 annual policy. Dread to think what they would do in the event of a claim. Won't be using them again!

Dont even want to give them a star of any kind basically they are robbers paid £168 for insurance for trip to US great looking cover that's why I paid it
But due to COVID19 holiday was cancelled

Airline cost fully refunded no questions
Villa cost fully refunded no questions
Car Rental fully refunded no questions
Airport transfer fully refunded no questions

Then I remembered i had travel insurance after listening to BBC R4 about getting your money back for holidays lost due to COVID19
So telephoned Spectrum and call handler starts with policy and procedure and no refund as I was cancelling my policy
So after arguing with the person I asked for a manager or supervisor
Funnily it sounded so much like the person I had been speaking to just minutes before
I explained that I was looking for refund and that all of the above had refunded me without any penalties as it was totally out of my control as to why the holiday was being cancelled
His reply was that that would be unfair to other customers who had cancelled not been refunded
So I said could I speak with someone higher than them wich he replied he was as far as I could go
So called another number on ther site after hanging up and got a very helpful lady who advised me to contact the info email and put in header for COMPLAINTS
Then complaints person told me that they would wave the extra £15 charge and only would give me half my money back as they think this was more than fair take it or leave it
SO PLEASE DONT USE SPECTRUM TRAVEL INSURANCE
ROBBERS ROBBERS ROBBERS

PLEASE OVOID😡😡😡🤬🤬this company like the Covid 19 times TEN. Me and my partner used this company for many years. I was ill with severe a Gastrointestinal bug and missed my first class flight flight also I had to have dental surgery I know not a good holiday. it's been 2 YEARS without a response. We have a claim with the Ombudsman ongoing. They have No customer service we paid for Gold cover costing me £294. This policy is not even worth a sheet of toilet paper and that's before Covid.. As customer we work incredibly hard to book and find a holiday and save all year round and we buy travel insurance in good faith. They are VERY happy in taking our money but when it comes to relying on our policy we are NOT covers. I say again please do not use this Company. In my humble opinion of 25 years of traveling this company is,🤬🤬🤬🤬🤬🤬. And they will probably come back with a remark we are sorry for your inconvenience contact customer service🤬🤬🤬. I hope we get over Covid and we can all get back to our hard earned holidays and get cover with a really professional insurance company....

After getting travel insurance just before this COVID became a major issue our holiday was cancelled by tui 6 days before we where due to fly, I contacted spectrum to ask for a refund as this was no longer needed due to no fault of ours, to be told I would only get £30 back of what I had paid, so they made an easy £56.98 off me without having to do anything. Won’t use them again.

Avoid this company absolutely diabolical customer service using covid19 to get money out of you

Spectrum were very good about transferring our two travel insurance policies from this year to next year - identical holidays simply slipped a year with Tui due to Covid issues. However, when I rang for the second transfer I also took out a new policy for a last minute replacement trip we booked for Corfu. Having gone through the entire process of taking out the new policy whilst on the phone I was very surprised to be charged more than double the 'normal' cost of each of my other two policies - the colleague told me it must be because I was a year older (in which case, why did it not in any way affect the transfer of my other two policies - there was no increase in charges there). I felt somewhat hoodwinked, but having gone through the whole process, rather than start again online I decided I would bite the bullet. Next time I will go back online & start afresh - a pity, as in every other respect I like & appreciate the service I've received from Spectrum.

Any issues I have they message straight back and are happy to help with all my small issues. No matter how stupid they are

No complaints needed , excellent job, felt safe just in case!

Thanks for your excellent service and support, I found it very difficult after suffering from a stroke, I had to convey to my son due to speech loss and hearing problems. Thanks for your help I am most gratefull, Yours sincerely. Mr Thomas Fisher.

Avoid this company had my holiday cancelled and refusing to pay my £22 back I paid for cover because it was outside 14 days

Awful service. Would not refund stolen money, despite that police stated. Wanted confirmation, and it was in handbag stolen. Italian Police issued on their statement €300 stolen.

My dads holiday has been cancelled due to covid19 ring spectrum to ask about a refund of the money paid for his travel insurance was informed that after administration fees and cancellation fees he would receive £5 back it only cost £20 for the insurance but hiw many people's holidays have been cancelled and if they are taking 3/4 of the money off all cancelled holidays that's a nice little touch spectrum have got due to covid19 they are onto a nice earner there must be 1000s who have used spectrum since the outbreak

Incompetent and slow processing of the most straight forward of claims.

Quick, Easy, Friendly Service!

Excellent

Easy website,straight forward travel insurance purchase

I tried to change the date of my insurance for my holiday, but the website crashed before I could finish it every time. In the end, I cancelled the insurance using the website but the repayment of about £30 (out of about £60), which was due has not been returned. I tried to telephone spectrum several times, but never managed to get through.

having emailed you twice to inform that my holiday had been cancelled because of corona virus i was disappointed not to get any response from you apart two messages wishing me a happy holiday.
customer service very pour.

Update 12 Aug: I have made an official complaint and recieved a respond from TIF that their decision is final..and reason for citing 3 March is based on 4 newspaper cuttings (3 related to the same interview with Prime Minister Johnson in which he responded the spread is 'likely') and another article (no date) from The Telegraph that NHS is looking for volunteers which on the NHS England website is published on 24 March. I have made a complaint to the Financial Ombudsman which is suggested by the TIF complaint team as that was their final response. I suggest everyone who feel they have been treated unfairly to follow the complaint procedure.

Also if people is interested in finding out what other insurance companies are doing on covid cover, check out an article from insurancebusinessmag on policy changes from the UK's top 10 travel insurers dated 19 June 2020.
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I think a lot of people would be interested to hear how TIF has determined 3rd March is a known event when other insurance company has used the date when it is formally announced by our government. Why don't TIF be honest and share a legal basis for this. This company is a complete disgrace. My sister went with coverwise under AXA, bought the insurance after me on the 11th and have her approved within 5 days and payment made within 5 days. As I said in previous post if you want peace of mind you need to read all the comments and decide if this company is right for you.

We already had annual travel insurance via our Nationwide BS bank accounts that covered my wife and I, so took out an additional policy from Spectrum to cover just our daughter for a trip to Majorca from which we’ve just returned. The trip was booked back in Nov last year, so as the covid outbreak took hold we obviously wanted to check our cover.

The website provided by Nationwide was excellent, very clear on explaining circumstances where cover would and would not be provided and also set out the date of 18 March from which they considered covid to have become a ‘known issue’ for insurance purposes. We also had one or two other queries which they helpfully clarified on the phone. How different our experience was with Spectrum! Upon visiting their website we were greeted with page after page setting out every possible circumstance where they would not be honouring cover, some of which seemed to us to be at conflict with wording in our policy document. The website may as well have just said ‘Claiming for covid? Forget it!’.

Moreover, the website repeatedly set out they would not honour covid related claims for any policies that were booked after covid became a ‘known issue’, but (unlike the Nationwide site), was also completely opaque on what date they consider this to be. We took out the Spectrum policy on 8 March, well in advance of the Nationwide date of 18 March, similar to that adopted by most other travel insurance companies as far as we could tell from the press, but we were left with no way to know whether our daughter was covered.

So we called Spectrum, three times, but on no occasion could get through by telephone however long we held for. So on 30 June I then emailed the address for queries provided on their website, but to this date have never received a reply. This left us in the position of having to decide whether to travel with no way of knowing if we had cover. As it is, we decided to go and the trip was uneventful so have not needed to lodge a claim. However, when insurance is bought in good faith the expectation is that this will provide peace of mind, whereas in our case and in the midst of a global pandemic when we needed it most, this company took our money but provided no peace of mind whatsoever, quite the opposite. It’s a disgrace and would recommend they are avoided like the plague.