Travel cover for the travel lover

Hassle-free travel insurance through your smartphone.

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Six reasons you’ll love Pluto

  • 1All of the best bits of travel insurance, without the crap.
  • 2Do everything quickly through your phone.
  • 3Made for travel lovers, by travel lovers.
  • 4With every policy, we donate £1 to tackle the impacts of tourism.
  • 5Backed by Zurich Insurance, who paid 99% of claims last year.
  • 6Save money when you buy cover with your partner or friends.

We’re building a community of travel lovers

Oliver

“Sick and tired of archaic quote websites and long waiting times. Pluto seems to be the only kid on the block that’s trying to change it and make it easier to travel in peace.”

Anna

“I didn’t think an insurance company could make me enjoy a holiday more but my recent skiing holiday definitely felt more stress free thanks to Pluto, knowing that if anything happens I’m covered.”

Manuel

“I chose Pluto because it simplified travel insurance, made it easy to tailor it to my needs and my type of trips....It gave me ease of mind and let’s me focus on the trip itself!”

We’re building a
community of travel lovers

Oliver

“Sick and tired of archaic quote websites and long waiting times. Pluto seems to be the only kid on the block that’s trying to change it and make it easier to travel in peace.”

Anna

“I didn’t think an insurance company could make me enjoy a holiday more but my recent skiing holiday definitely felt more stress free thanks to Pluto, knowing that if anything happens I’m covered.”

Manuel

“I chose Pluto because it simplified travel insurance, made it easy to tailor it to my needs and my type of trips....It gave me ease of mind and let’s me focus on the trip itself!”

user

Jennifer

If Monzo were to do travel insurance…

If Monzo were to do travel insurance this would be it!

user

Oliver

Why would you go with anyone else?

The easiest and most reassuring service out there. I had to make a claim due to a delayed flight and the process was handled so quickly and professionally - but still felt extremely personal.

user

Jimmy

Beautiful service, crystal clear explanations

Beautiful service, super easy from start to finish. Got annual cover and only now do I fully understand what that means. Thanks Pluto!

user

Jennifer

If Monzo were to do travel insurance…

If Monzo were to do travel insurance this would be it!

user

Oliver

Why would you go with anyone else?

The easiest and most reassuring service out there. I had to make a claim due to a delayed flight and the process was handled so quickly and professionally - but still felt extremely personal.

user

Jimmy

Beautiful service, crystal clear explanations

Beautiful service, super easy from start to finish. Got annual cover and only now do I fully understand what that means. Thanks Pluto!

“The future of travel insurance”

Myles McDermott, Pluto customer
  • Jargon free policies with transparent pricingExplanations in plain English, and it’s easy to tailor your cover and see instant price changes. So it’s clear what you’re buying and what you’re covered for.
  • Submit claims in minutes onlineSubmit claims in less than 10 minutes, straight from your phone. We promise to do what we can to make it easy to get what you deserve.
  • Get human help around the clockWhether you have a problem, question or query, you can easily get in touch through Facebook Messenger, our website or via email.
And that’s not all...
Everything you’d expect from top-notch travel
insurance...
  • Cover for you, your stuff and your trip
  • Easily add cover for gadgets, winter sports, adventure sports, and business trips
  • £10m medical cover as standard
  • Choose your excess or remove it
  • Add friends or your partner to your policy and save money

Exciting stuff on the horizon

We’re always working on a bunch of new stuff to help you make the most of your travels.

June - September

  • Mobile app to get more out your cover.
  • 24/7 access to a GP when you’re abroad.
  • Lounge access when you’re delayed.

October - December

  • Travel itinerary tool and checklists.
  • Travel partner marketplace.
  • Automated EU flight compensation

Exciting stuff on the horizon

We’re always working on a bunch of new stuff to help you make the most of your travels.

June - September

  • Mobile app to get more out your cover.
  • 24/7 access to a GP when you’re abroad.
  • Lounge access when you’re delayed.

October - December

  • Travel itinerary tool and checklists.
  • Travel partner marketplace.
  • Automated EU flight compensation

A brand you can trust

  • Partnered with one of the biggest insurers in EuropeZurich Insurance paid 99% of all their claims in the UK during 2018 (across car, home, and travel).
  • Bank-grade encryption and regulated by the FCAThe FCA exist to protect consumers and make sure that we all play fairly.
  • Top 3 rated travel insurance providers on TrustPilotOur customers are loving Pluto and they ain’t afraid to shout about it!
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Ready to give Pluto a spin?

  • 1Build your own quote in minutes
  • 2Checkout securely or save quote for later
  • 3Claim, make changes, and chat through your phone

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 up to £10m
  • Baggage up to £3k and up to 2 gadgets
  • Cancel your trip up to £3k
  • Come home early up to £3k
  • Also, you're covered for delays, disruption, legal expenses and lots more!
  • And you can add extras: business trips, winter sports, adventure sports and even travel disruption
  • You can also choose your excess (the amount you contribute to a claim to make your policy cheaper)

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 here 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.

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 you 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, 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 12 months (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, because we want to be able to provide cover for everyone!

Is Pluto a planet?

What a silly question! Clearly, it’s an early stage travel startup based in London focusing on helping people get the most of their travels.

But seriously, Pluto is a dwarf planet that lies in the Kuiper Belt, an area full of icy bodies and other dwarf planets out past Neptune. Pluto is very small, only about half the width of the United States.

We’ve called our company Pluto because we very much view ourselves, like the dwarf planet, as the little outlier, out there, amongst the big players, trying to make a difference.

Do you provide cover for business trips

Absolutely we do. Nothing beats a bit of travelling paid for by the company! The kind of trips you’d be covered for if you add business cover as an extra are:

  • You’re attending a conference as a speaker or participant/partygoer
  • You’re leading or attending some company training
  • You’re a freelancer and are going abroad to run a client workshop

The types of things you can expect to be covered:

  • All the same things the rest of your policy covers. This extra just extends the types of trips you can go on, it doesn’t change any of your cover limits
  • Business owed devices or equipment are not covered though (even if gadgets are added to your policy)

It’s worth saying that you’re not covered for business trips in the UK or anywhere where you’re doing manual labour, like building your dream home in the Fjords. Sorry.

Can I buy cover with my partner or friends?

Yes, the more the merrier (literally). You and each extra person on your policy get £10 off their policy when buying it together.

On our single trip policies, you can take up to 2 more friends, partners, compadres, as long as you’re all travelling together.

On our annual/yearly policies, you can add one partner (no friends allowed, sorry). You and your partner don’t have to travel together on all of your trips, so when you do need some time away, you’re still covered.

Sorry to get all serious on you, but for (boring) legal reasons we have to make clear that a partner is: “A husband, wife or civil partner, or someone that you live with as though they were your husband, wife”. This isn’t your best mate or that flatmate who never cleans up after themselves.

Unfortunately, we don’t cover people under 18, so kids wouldn’t be covered. We’d suggest you get a family policy if you’re travelling with the young ones.

How do the referral links and codes works?

Because sharing is clearly caring, we wanted to reward you for spreading the good work about Pluto.

So, when you buy a policy, you can share your referral link with your friends or family and when they buy a policy (using your link), two amazing things happen:

  • You get £10 refunded back to your bank account instantly, not credit, hard cold cash. If your bank is a bit old this may take a few days to show up.
  • The person you referred gets £10 off their first policy, there and then, before they pay

You can only keep getting referral discounts until your policy is free, but if you keep referring after that, then you have our ultimate love and respect, hopefully, worth more than £10.

Join the Pluto community

We’re building a community of travel lovers. Sharing tips and tricks to make the most of your travels, and giving updates on our journey,

We’re Crowdfunding on Seedrs! Join us on our journey to conquer the world of travel insurance. 🎉We’re Crowdfunding on Seedrs! Join us on our journey to conquer the world of travel insurance. 🎉