A to Z Cover

A to Z Cover: UK travel insurance with three cover tiers

A to Z Cover is a travel insurance brand operated by A to Z Cover Limited, a company registered in England and Wales (Companies House number 13394302). The firm is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number 973755). Its registered address is Merchants House, 4th Floor, Crook Street, Chester, CH1 2BE.

The website presents travel insurance for single trips, annual multi-trip policies and backpacker cover for long stays of up to 18 months. Policies are structured across three levels — Essential, Standard and Premium — with emergency medical and repatriation expenses covered up to £10m in all three tiers.

Policy types and optional extras

The core product lines listed are Single Trip Travel Insurance, Annual Multi-Trip, Backpacker Travel Insurance, Family Travel Insurance, Medical Travel Insurance, Over 60s Travel Insurance, Worldwide Travel Insurance, Winter Sports, Cruise Travel Insurance and Golf Cover. Additional optional extras that can be added during the online purchase process include Cruise, Winter Sports, Golf, Wedding, Enhanced Gadget, Excess Waiver and Rental Vehicle Excess Waiver Cover.

The site also references Gadget Cover, Wedding Cover and Sports & Activities cover as separate categories. A dedicated section addresses medical conditions: travellers with conditions such as asthma, high blood pressure, depression or diabetes are required to declare them for cover to be valid. For more complex conditions, the site points to the Money Helper directory of specialist insurers or to the phone line 0800 138 7777.

Cover levels compared

The three tiers differ in limits and excess. Emergency medical and repatriation expenses are £10m across Essential, Standard and Premium, while the excess decreases from £100 (Essential) to £75 (Standard) and £50 (Premium). Cancellation and curtailment cover rise from £1,500 in Essential to £3,000 in Standard and £5,000 in Premium. Personal possessions (baggage) are covered at £1,000, £2,000 and £3,000 respectively; personal money at £500, £750 and £1,000.

Gadget damage, theft and loss is not included in Essential but is covered up to £750 in Standard and £1,000 in Premium. Missed departure cover is £300, £1,000 and £1,250; missed connection is £250, £750 and £1,000. Personal liability (£2m), legal costs and expenses (£25,000), passport and other documents (£150, £200, £250) and event tickets (£150, £200, £250) complete the summary. The site notes that terms, conditions, exclusions and sub-limits may apply and directs users to the policy wording for full details.

Underwriting and regulatory details

A to Z Cover policies are underwritten by Capacity Insights on behalf of the insurer, Hamilton Insurance Dac. Capacity Insights is a trading style of Healix Insurance Services Ltd, authorised and regulated by the Financial Conduct Authority under reference number 437248 and registered in England and Wales under number 05484199. Hamilton Insurance Dac is a designated activity company authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with its UK branch; it is registered in Ireland under number 484148.

Support and guidance

The company highlights 24/7 medical assistance, a UK call centre and FCA authorisation among its features. The website includes guides on GHIC (Global Health Insurance Card), holiday checklists, sports and activities cover, travelling while pregnant, UK travel insurance and city breaks. A customer testimonial attributed to Sarah Jones appears on the site, alongside a reference to Trustpilot.com/AtoZ Cover.