Applies to policies with gold cover
M&S Travel Insurance
M&S Travel Insurance is arranged and administered by ROCK Insurance Group
What are you looking for?
Get 10% off your Travel Insurance price with Sparks*
Become a Sparks member today for even more rewards and benefits
*This discount does not apply to optional Gadget Cover,
Why choose M&S Travel Insurance?
We offer flexible options to help you find cover so you can relax and enjoy the ride
Cancellation cover
Our Gold Plan gives you up to £10,000 in cancellation cover
Sports activities cover
We cover 100+ activities as standard, including snorkelling, volleyball and ice skating
Senior travellers
We cover single-trip travellers up to 90 years and annual trip travellers up to 80 years
Conditions and exclusions apply, please refer to the for full details
Compare cover levels
We offer different levels of cover so you can choose the one that's right for you. All cover levels are available for single or annual multi-trip
*The cover limits shown above are per person per trip. Excesses may vary per section. The excess is per person per incident, limited to two excess amounts if more than one insured person is claiming, per trip
Optional extras
Tailor your policy to suit your needs. For full details, read our
Winter Sports Cover
Cover for skiing (on-piste)* snowboarding, sledging, and more
Gadget Cover
Covers your electronics for accidental damage and theft
Cruise Cover
Cover for cabin confinement, missed port departure, and more
Golf Cover
Covers lost, stolen or damaged golf equipment
Excess Waiver
Covers your excess costs if you need to make a claim
*A piste is a recognised and marked ski run within the resort boundaries. Off piste is areas of snow that have not been specially prepared for skiing on within a resort boundary, this doesn't include transiting between recognised and marked ski runs
Need to make a claim?
Find out how to make a claim or contact us for support
Travel Insurance FAQs
Are there age restrictions for travel insurance?
Our age limits vary depending on the policy, and if you're over a certain age, there may be limits on how long you can travel for. Take a look at the details below to see what applies to you:Single Trip Policies are available for travellers aged 90 and under:
- 65 years and under: Up to 365 days of coverage
- 66 - 74 years: Up to 183 days of coverage
- 75 - 85 years: Up to 31 days of coverage
- 86 - 90 years: Up to 14 days of coverage
Annual Multi-Trip Policies are available for travellers aged 80 and under:
- All travellers are covered for 32 days per trip
- For travellers aged 65 and under: You can choose to begin your travel insurance policy up to 90 days from the day you purchase it
- For travellers aged 66 to 80: You can choose to begin your policy up to 30 days from the day you purchase it
Optional Winter Sports cover added to any Single Trip or Annual Multi Trip policy is available only for travellers aged 64 and under.
Do you cover pre-existing conditions?
We offer cover for a wide range of medical conditions, subject to an online screening. To check if we can cover your condition, simply answer a few quick questions when you get a quote online or complete the screening when purchasing a policy over the phone. We'll instantly let you know whether cover is available. If we're able to include your medical conditions, your policy price will reflect the additional cover required.Please note that pre-existing medical conditions are not covered unless:
- You have declared all conditions,
- We have confirmed acceptance in writing, and
- You have paid any additional premium (if applicable).
If you have difficulty finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist medical insurers. To find out more, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online
When should you buy travel insurance?
When to buy travel insurance can depend on the trip or trips you're taking and the kind of policy you choose to suit them.Single Trip Insurance:
You're covered for cancellation from the moment you purchase the policy. Just make sure the policy start date matches your actual travel dates.
Annual Multi-Trip Insurance:
Cancellation cover begins on the start date of the policy, not the date you buy it. So, choose a start date that aligns with when you want your coverage to begin.
Do you need travel insurance for Europe?
This depends on your travel insurance demands and needs. M&S Travel Insurance policies provide cover for Europe which covers the following European countries and areas:Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Eire, El Hierro, Estonia, Faroe Islands, Finland, France, Fuerteventura, Georgia, Germany, Gibraltar, Gozo, Gran Canaria, Greece, Guernsey, Holland, Hungary, Ibiza, Iceland, Ireland, Isle of Man, Italy, Jersey, La Gomera, La Palma, Lanzarote, Latvia, Lesbos, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Majorca, Malta, Menorca, Minorca, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Rhodes, Romania, Russia, San Marino, Sardinia, Serbia, Sicily, Slovakia, Slovenia, Spain, Svalbard, Sweden, Switzerland, Ukraine, Vatican City State, Zante
We do not cover travel to a country or specific area where the Foreign, Commonwealth and Development Office (FCDO) or any other regulatory authority has advised against all or all but essential travel.
How does travel insurance work?
Travel insurance can protect you against a range of unexpected issues, including:- Trip cancellation or curtailment due to reasons beyond your control
- Missed transport connections or delayed departures caused by unforeseen circumstances
- Medical emergencies and other urgent situations while you're abroad
Does travel insurance cover pregnancy?
Pregnancy is not considered a medical condition and does not require medical screening. You'll be covered as standard, provided that:- You are following all prescribed medication and medical advice
- You comply with all airline or public transport provider regulation
- You are not travelling against the advice of a general practitioner
- You are not travelling with the intention of seeking medical treatment
This policy does not cover any costs of normal pregnancy or childbirth.
Please refer to the policy wording for full details regarding pregnancy-related complications cover.
Do I need holiday insurance for UK?
Yes, you are covered for travel within the UK however depending on your policy type there may be some conditions for this cover.Single Trip - No Requirements
Annual Multi-Trip - Where you have selected an Annual Multi-trip policy your policy is valid for UK travel where you have at least 2 nights pre-booked accommodation or pre-booked transport at least 50 miles from your home
Marks and Spencer plc is an Appointed Representative of ROCK Insurance Group.M&S Travel Insurance is a trading style of ROCK Insurance Services Limited. M&S Travel Insurance policies are arranged and administered by ROCK Insurance Group (ROCK). ROCK Insurance Group is a trading style of Rock Insurance Services Limited, registered in England and Wales (Company No. 04255878). Registered Office: 135 High Street, Crawley, West Sussex, RH10 1DQ. Rock Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 300317) and is part of the Staysure Group. Marks and Spencer plc receives a commission from Rock for each M&S Travel Insurance policy sold. This commission is a percentage of the premium you pay and is included in the total amount.At M&S your privacy is important to us. View our Privacy Notice here.