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Hassle-free
travel insurance

Taking care of the travel community with hassle-free travel insurance through your smartphone.

Top-notch travel cover, so
you’re free to make the most of
your time away.

Monocle
Mashable
TechCrunch
BBC

Travelling safely
during the COVID-19 pandemic

1. Choose a destination that's on the FCO's safe list

• Check the FCO's website to see the full list.

• Their site will tell you if it's a travel corridor country and any important entry requirements.

• Your travel cover won't be valid if you travel to a country not listed as safe.

View more

2. Try to make flexible flight and accommodation bookings

• Look for the airlines and hotel booking sites that are offering flexible bookings.

• This means you can cancel for free if the FCO's advice changes or you don't want to go.

• Most travel insurance, including ours, won't cover cancellation costs due to coronavirus.

View more

3. Get travel cover to protect yourself, your trip and your stuff

With Pluto:

• Medical costs for up to £10m as standard, including if you catch coronavirus.

• Talk to a UK GP for free if you're ill abroad.

• Up to £3,000 baggage cover, and protection for flight delays and missed departures.

View more

Travelling safely during the COVID-19 pandemic

1. Choose a destination that's on the FCO's safe list

• Check the FCO's website to see the full list.

• Their site will tell you if it's a travel corridor country and any important entry requirements.

• Your travel cover won't be valid if you travel to a country not listed as safe.

2. Try to make flexible flight and accommodation bookings

• Look for the airlines and hotel booking sites that are offering flexible bookings.

• This means you can cancel for free if the FCO's advice changes or you don't want to go.

• Most travel insurance, including ours, won't cover cancellation costs due to coronavirus.

3. Get travel cover to protect yourself, your trip and your stuff

With Pluto:

• Medical costs for up to £10m as standard, including if you catch coronavirus.

• Talk to a UK GP for free if you're ill abroad.

• Up to £3,000 baggage cover, and protection for flight delays and missed departures.

A bit more about Pluto Cover

  • 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.
    Mobile device showing part of the journey of building your own policy
  • 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.Read more about claims
    Mobile device showing a screen to submit a claim
  • Mobile app to access cover offline and get human helpEasily access your policy and check what you’re covered for in just a few clicks. And chat to us whenever you have a question or need help.
    Mobile device showing Cover section of Pluto’s mobile app.
  • Talk to a UK GP for free if you’re unwell abroadGet access to free medical support through the comfort of your phone, thanks to our partner, Babylon.

    Customers can access this benefit through our app or by messaging us through the website.
    Mobile device showing a Pluto customer talking with a UK GP through Babylon
  • The best way to create
    and share travel plans
    Free access to Pluto Pinboard – Organise everything you need for your trip in one place, easily plan trips with friends, and get inspiration from like-minded travellers.Discover Pinboard

Plus everything you’d expect from top-notch travel cover

pluto pluses

Flexible excesses

Easily choose your excess from £0 to £250.
pluto pluses

Easy to add extras

We cover everything from gadgets to winter and adventure sports.
pluto pluses

£10m medical cover

The highest medical cover as standard, so you’re covered if you get ill or injured abroad.
pluto pluses

Group policies

Add friends or your partner to your policy and save money.
pluto pluses

Business cover

It’s simple to add cover for for travelling abroad for conferences, training, or just plain old work.
pluto pluses

Kick-ass claim payouts

Zurich Insurance paid 99% of all their claims in the UK during 2018 (across car, home, and travel).

Plus everything you’d expect from top-notch travel cover

pluto pluses

Flexible excesses

Easily choose your excess from £0 to £250.
pluto pluses

Easy to add extras

We cover everything from gadgets to winter and adventure sports.
pluto pluses

£10m medical cover

The highest medical cover as standard, so you’re covered if you get ill or injured abroad.

Pluto’s cover limits

This is the standard cover that we offer. It’s easy to change a lot of the limits, add more extras, and get more info when you get a quote.

Cover for you

Medical

£10m

Dental (pain relief)

£500

Legal expenses

£25k

Personal liability

£2m

Standard activities

Cover for your stuff

Baggage

up to £3k

Max claim per item

£250

Baggage delay

£100

Cover for your trip

Cancelled trip

up to £3k

Come home early

£500

Missed departure

£500

Travel delay

£20 per 6hrs

Max days per trip

45 days

Optional extras

Adventure sports

Business cover

Gadget cover

Winter sports

Zero excess

What we don’t cover

Non-UK residents

People under 18 or over 46

Pets

Intergalactic travel

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

Mughees

How travel insurance should be!

Very straightforward and to the point. Clear references to what limits are on each of the categories. I’m looking forward to using Pluto for all of mine and my family’s travel insurance needs.

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

Mughees

How travel insurance should be!

Very straightforward and to the point. Clear references to what limits are on each of the categories. I’m looking forward to using Pluto for all of mine and my family’s travel insurance needs.

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 rated travel insurance provider on TrustpilotOur customers are loving Pluto and they ain’t afraid to shout about it!

Stuff people like to ask

Am I covered for COVID-19?

Coronavirus is now a 'known event', which means that us and most other insurers aren't able to cover certain things. However, most of our cover remains the same for things not related to coronavirus.

What is covered?

  • If the FCO's advice is that it's okay to travel to a country and you go abroad, we will cover you as normal. For instance, you'd be covered for all the usual things as part of your policy, like medical expenses, your baggage, travel delay costs, legal costs, missed departures and many more things.
  • Your policy does also still cover trip cancellations and travel disruptions for reasons other than coronavirus. Your policy will have these reasons listed out, or you send us a message to ask a specific question. For example, if you broke your foot the day before you travel, you'd be covered for cancelling your trip.
  • Finally, if you catch coronavirus in another country and require medical treatment, you're covered for medical expenses.

What isn't covered?

Unfortunately, we're not able to cover the following situations where it relates to coronavirus:

  • Cancelling your trip before you leave. For example, if the UK's FCO change their travel advice for a country, or because you have coronavirus and/or are self-isolating with symptoms before your trip or because of an airline or event cancellation.
  • Having to cut your trip short or come home early. For example, a sudden change in FCO advice while you're abroad or there's a lockdown imposed by the local government.
  • Travel delay, missed departures or extra accommodation costs, caused by border closure due to a local coronavirus-related lockdown.

How does the FCO's travel advice affect my cover?

If you travel against the FCO's advice, we're not able to cover your trip at all. For example, if you go to a country when the FCO is still advising against travel, you won't be covered for anything. This is still the case, even if your trip is considered essential.

You can buy a policy for a future date when you think the FCO's advice will have changed. And, if the FCO advice doesn't change and you can't go abroad, then we should be able to change the dates on your policy for free. Just send us a message and we'll look into it for you.

However, you're not covered for any changes in FCO's advice. For example, the day before you travel, the FCO advises against travel to your country. You wouldn't be covered if you cancelled your trip.

What about existing policies?

For policies bought before the 11th March, please see here for more information.

Am I covered for trips in the UK?

For trips in the UK to be covered, the trip must have 2 or more consecutive nights of booked accommodation. Click here for more information about what you are and aren't covered for in light of coronavirus.

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.

Can I upgrade or change my cover?

Yes.

We know that you might not always know all your holidays for the next 12 months or even know what the best cover is for an upcoming trip. That's why we've made it super easy to make instant changes to your policy with no pesky admin fees.

If you're increasing the level of your cover, like adding another gadget, then you'll have to pay the increase in cost of your policy. But you'll never be worse off by upgrading later on.

You can quickly upgrade your cover by buying a new policy and we’ll refund the unused part of your original policy. Please check here before buying your new policy.

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
What's the best policy for a long trip?

If you're lucky enough to be going away on a long trip, then you need to ensure you're getting the right cover for the trip.

We provide 2 types of policies:

  • Annual. Year long policy, covering all your trips. Each trip can be up to 45 days long
  • Single trip. This policy starts and ends on the specific days you tell us. Importantly, you can get covered for trips up to 180 days (6 months)

So, if your trip is longer than 45 days, we suggest you get a single trip policy for that specific trip. With Pluto, you can then also tailor this policy to that trip, ensuring you have the right level of cover, activities, gadgets etc.

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.

Why we only cover 18 - 46 year olds

At the moment, Pluto can only cover UK residents aged between 18 and 46 years old.

We know this may not sound fair or can be frustrating if you're younger than 18 or older than 46.

We're working hard with our insurance partner, Zurich, to expand the range of ages we can cover as soon as we can.

But we still want to explain why age is important in insurance and why we started with this specific age range.

Insurance is unlike other products and is one of the few examples where customers can be treated differently based on their age. The reason for this is that someone’s risk (especially when travelling), in general, can be influenced by their age. This is not a perfect measure of risk, but it's one of the factors we consider when determining what price to quote and whether a quote can be given at all.

When we decided to launch our travel insurance product, we knew we had to start somewhere, as all startups do. The quickest way to launch our product, for us and our underwriter, was to restrict the age range to what we consider our core audience, millennial travellers. This means the pricing and cover could be more targeted to certain age groups.

This is not intended to be a permanent age range and we're working hard with our underwriter to expand this soon!

We hope this helps, but please message us if you have any other questions.

Is Pluto a planet?

What a silly question! Clearly not, 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.

Can I buy cover with my partner or friends?

Yes, the more the merrier (literally). You and each extra person on your policy get £5 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 £5 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 £5 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 £5.

What can I do if my flight is cancelled because of COVID-19?

With airlines grounding their planes and daily flight cancellations becoming a common event, people are left wondering what they're entitled to.

In short, if your airline has cancelled your flight, you're always entitled to a refund. Or if you prefer, an alternative flight or voucher. This is because of your rights within the EU.

However, this assumes your flight is within the EU or the UK and/or with an airline based in Europe. If your flight is neither of these, then your rights will vary from country to country.

Your airline will probably try very hard to make you accept a travel voucher, so you may need to keep requesting a refund. A refund may also take several weeks as the airlines are working through these very slowly. Read more here .

Other travel insurance questions we get asked

We get lots of different questions about who we can cover, what's included within Pluto cover and why you should even buy travel insurance in the first place. We've tried to bring all the most popular questions into this section, but if you can't find what you're looking for, you can search our FAQs.


Do you cover families or children?

Unfortunately we don't provide family policies or cover for children at the moment.

We're working hard to broaden the cover we can provide and this will include families and children eventually.

Right now we don’t cover anyone under the age of 18 years old, so kids wouldn’t be covered.

We’d suggest you get a family policy if you’re travelling with the young ones.


Why should I buy travel insurance?

This is one of the most important questions! We think there are 5 reasons why you should always get travel insurance when you're planning a holiday.

1. Injury and illness. We’re lucky in the UK that our medical care is free, but when you go abroad, that all changes. In the EU, certain countries will provide you with free healthcare, but not always, and when you leave Europe, the costs can get very very high, very quickly.

2. You can no longer go away. You’ve booked your flights, hotels, a few water sports and something bad happens before your trip and you can no longer go.

3. It’s definitely not as expensive as you think. Especially when you think about what it could save you. The average claim is over £2, 000. And, you can get covered for the year, for, under £40 (Europe) or around £60 (Worldwide).

4. It protects your stuff. S**t happens. It happens to everyone. Things get dropped, scratched, stolen, crushed, dunked — you name it! And, it’s no fun when that happens to your stuff. Travel insurance, as well as protecting you and your trip, also protects your stuff.

5. Peace of mind. Last but certainly not least, your own peace of mind. Consider all of the above, it’s a worry, a mental burden. Why not forget about all of these things and frantically checking whether you are covered while the plane is taking off and make getting good travel insurance part of booking your trip.

You can see our full blog on this topic here.


Do I need travel insurance in Europe?

There’s a lot of myths and confusion on this topic, so it’s really worth understanding. So let Pluto break it down for you.

TL;DR: You definitely need it when you leave the UK, even if you think it’s safe or low risk.

You are better covered in Europe than in other part so the world, but it's not nearly enough to not buy travel insurance. If you have an EHIC card, you're entitled to state healthcare (this can be free, but it can also not be free). You may not always have a choice which hospital you go to (especially in an emergency). And finally, there are lots of other areas travel insurance can protect your trip and your stuff that isn't do with medical care.

You can see our full blog on this topic here.

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Get covered in under a minute

  • Jargon free policies with transparent pricing.
  • Make claims in less than 10 minutes.
  • Mobile app to access cover offline and get human help.