We review MPI Brokers - Travel
MPI cover both the normal range of travel insurance policies, and in addition offer specialist gap year policies through their associated company Mind the Gap Year. For more information of gap year or long stay cover visit Mind the Gap Year site
What we like:
- Pre existing medical condition definition will result in more people than average being able to get standard cover
- Good support services for travellers such as translation services
- Long experience in this field
- Good winter sports cover for off piste - as long as due care is taken everything is covered
- The company have advised us that they will cover people who are already abroad and need cover - most companies only cover UK to UK, and that will happily extend periods of cover for policyholders who are overseas.
What we are not so keen on:
- More difficult to compare as they are not on comparison sites
- Sports and activities - the definition is not great, so if you are planning to undertake any sports that might be viewed in any way risky contact the company (not the case for the seasonaire / backpackers / gap year policies, where the definition is clear)
Single trip cover
Covers travellers up to the age of 80, and there are three levels of cover (Economy, Standard or Excel) available. Offers an translation service whereby those with a single trip policy can call a non premium number (based in Spain) for assistance. Dangerous sports and pastimes are not defined, and anything that might be deemed as such should be checked with the company first.
Annual (Multi trip) cover
Three levels of cover available to those up to the age of 70, for any number of trips up to 31 day long, or 17 days if they are winter sport breaks. No option to extend these. The translation service mentioned under single trip policies can be used up to 6 times in a year.
Offers three annual ski policies with any number of trips up to 17 days long covered. Winter sports cover other than off piste skiing is not defined and the policy says 'Dangerous Sports and Pastimes: If you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that this insurance covers you.'If any other activities are planned on your holiday, from ski-doing to tobogganing are planned you should check with MPI first. Off piste skiing allowed is allowed anywhere though - as long as due care is taken - a better explanation than we have seen anywhere else.
For more information on ski insurance visit our ski and snowboarding section.
See our separate section covering Mind the Gap Year, the sister company of MPI Brokers, and which covers Gap Year and Backpacking policies. These policies offer cover towards the top end of the market.
Travel insurance for cruises
Cruise trips are automatically insured on all MPI Travel insurance policies. It is important to ensure you have the right travel insurance for your type of cruise. Make sure all the destinations you plan to visit on your cruise are included on your travel insurance policy, and that you clear any activities you plan to undertake before travelling.
Pre-existing Medical Conditions
MPI Brokers policy statement for pre existing conditions could allow those who have a condition that is stable and considered low risk to take a premium without a loading - they certainly will cover more people than most companies would - read the policy carefully if this may apply to you MPI Brokers policy
For more information on pre existing medical conditions read our pre existing medical condition guide.
Travel Insurance if you are pregnant
MPI Brokers say that they will cover claims for medical and repatriation costs following medical complications for those who are pregnant provided they are booked to return at least 4 weeks before the expected due date, as long as a doctors says its OK to travel before the holiday, and that no complications are expected.
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moneymaxim always recommend you take independent financial advice before acting on any article. Any views expressed are those of the editorial team at the time of going to press, and should not be considered as either recommendation or specific advice. Readers should be aware that no warranty is given that the details are correct and are recommended to read any policy documents carefully before entering into any contract.