Travel insurance for people who don’t like insurance.

Stuff people like to ask

• What are your cover limits?

  Pluto policies have it all. We haven’t removed things you wouldn’t notice and we don’t just pretend to call it travel insurance. Your cover is divided into 3 clear sections: Cover for you, cover for your stuff and cover for your trip. Simple.
  
  Some of the key numbers:

  • Medical costs up to £10m
  • Baggage up to £3k and up to 2 gadgets
  • Cancel your trip up to £3k
  • Come home early up to £3k
  • You're also covered for delays, disruption, legal expenses and lots more!
  • And you can add extras: winter sports, adventure sports and even travel disruption
  • You can also choose your excess
  • With our annual policies, each trip can be up to 45 days long

  The above limits are the most you can have, but you can decrease these as well as you build a tailored policy, this can reduce the cost of your policy as well. Always check your final summary to know how much you’re covered for.
  
  You can also read full policy wording to understand your cover and exclusions in more detail.

• Do you provide cover for winter and adventure sports?

  Yes!
  
  You can choose to add either winter sports or adventures sports or both on to your policy. These are added to your policy as an extra and cover most of the typical activities you would expect. Make sure you check the full lists below if you’re looking for something specific.
  
  Check out our full list of winter sports and adventure sports. All our policies cover a standard list of activities and sports as well.

• How do you compare on price?

  Our prices are generally just below the average or the same as the other big-name providers. We don’t promise to be the cheapest, but we don’t want to be either.
  
  There are two big reasons why:

  • Like most things in life, you get what you pay for. So if you buy very cheap travel insurance, it’s more than likely to come back to bite you when you need to claim (either by being really difficult or your insurer fights you on the small print)
  • Comparing insurance on price is very tough, and you should be careful. Think about what’s important to you and the type of trip you’re going on, compare insurance on how it covers you for this, and then look at price

  This is why Pluto, we prioritise:

  • Being fair when paying out claims. This is a big reason we partnered with Zurich, who paid out 99% of their claims in 2018
  • Making it super easy to submit a claim from your phone, no making it hard for you so you give up before you start
  • Explaining your cover to you in crystal clear plain English, so you know exactly what you’re paying for

• When should I buy travel insurance?

  The moment you book your holiday. Always. This is so your trip is protected in case you can no longer go away (over one-third of claims are because of this). Lots of people don’t even know that travel insurance covers you for this. It’s a hidden gem.
  
  Or, you save some money and buy an annual policy. This will work best if you’re travelling at least 2 - 3 times a year. This will cover you for the entire year, for as many trips as you want, as long as they are each less than 45 days. Again, lots of people don’t know about this. Save time and money and buy it for the year.

• Can anyone buy Pluto cover?

  Sadly not, but we do serve the vast majority. At the moment we can’t offer insurance to people who:

  • Have or have had a pre-existing medical condition in the last 5 years (e.g. epilepsy, cancer or diabetes)
  • Live outside the UK
  • Are under 18 or older than 46 years old

  It’s worth saying these will change in the future, we want to be able to provide cover for everyone!