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True Traveller review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

True Traveller suits backpackers, gap year travellers and anyone on a long or extended trip, with single trip and multi-trip policies and age limits of up to 75 single trip; up to 65 multi-trip. It is a broker authorised by the Financial Conduct Authority under 756107.

Key facts

Best for
Travellers taking out a multi-trip policy who want a high medical and repatriation limit.
Insurance types
Travel↗
Provider type
Broker↗
Excess from
£35 to £125↗
Cover limit
10,000,000 GBP medical and repatriation (10,000,000 EUR for European policyholders)↗
Claims channels
Online, Phone, Email↗
Age range
up to 75 single trip; up to 65 multi-trip↗
Legal entity
The True Traveller Limited (UK, Company No. 07368275); True Traveller s.r.o. (Czech Republic, ICO 118 79 084) for European sales↗
Headquarters
United Kingdom↗
Founded
2010↗
Support channels
Phone, Email, Chat, Help-centre↗
Official website
truetraveller.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
TrustpilotXfacebook.cominstagram.comyoutube.com

Pros and cons

Pros

  • A medical and repatriation cover limit set at a high level, quoted in sterling and in euro for European policyholders
  • Age limits of up to 75 single trip; up to 65 multi-trip, so single trip cover still reaches an older age bracket
  • Claims can be started through online, phone and email
  • Support runs on phone, email and chat

Cons

  • True Traveller is a broker, so the insurer carrying the risk sits behind the policy
  • The excess you pay on a claim is £35 to £125
  • Only travel policies, so home, car or gadget cover needs another provider
True Traveller

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Backpackers and gap year travellers insuring one long trip
  • Travellers who want a single multi-trip policy instead of buying cover repeatedly
  • Travellers who want a high medical and repatriation limit abroad

Who should look elsewhere

  • Travellers who want one provider for travel and other cover: EuroAsia Insurance lists auto, home and travel policies
  • People after life cover for the long term: Linxea sells life policies rather than trip based cover
  • Travellers who also want health or gadget cover: Oney Préstamos lists health, life and gadget policies

Deposit protection

True Traveller is a broker, so it places policies with underwriters and does not carry the risk itself. The Financial Conduct Authority registration is 756107. Registration covers what the firm is permitted to do, and the insurer named in the policy wording is the party that pays a claim, which is why the underwriter matters before you buy.

The company behind it

The UK business is The True Traveller Limited, and True Traveller s.r.o. in the Czech Republic handles European sales, so a European policy is written by the Czech entity. The headquarters country is GB and the firm was founded in 2010. Support runs on phone, email and chat, and the Financial Conduct Authority registration in the UK is 756107.

How True Traveller compares

Where True Traveller is available

Available
Guernsey, Isle of Man, Jersey, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (756107), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does True Traveller actually cover?+

True Traveller sells travel policies only, for single trips and multi-trip cover. The headline benefit is a medical and repatriation limit set at a high level, quoted in sterling and, for European policyholders, in euro. It is a specialist travel broker rather than a general insurer.

What do I pay towards a claim?+

The excess, the part of a claim you cover yourself, is £35 to £125. The cost score for True Traveller is 4.7, and the median starting premium across the travel insurance ranking is €7.93. With a high cover limit, the excess is the part of a large medical bill you actually feel.

Who is behind the policy?+

True Traveller is a broker based in the United Kingdom, so the insurer that carries the risk is named in the policy rather than the brand you researched. It holds Financial Conduct Authority registration 756107, which covers the firm's permissions to sell insurance in the UK.

How old can I be to buy cover?+

Age limits are up to 75 single trip; up to 65 multi-trip. That means single trip cover reaches a higher age than multi-trip cover, so travellers near the older limit can still insure a one-off trip. A policy meant to cover a full year of travel falls under the lower multi-trip cap instead.

How do I make a claim?+

Claims run through online, phone and email, so a claim can start online, by phone or by email from abroad. The excess of £35 to £125 still applies, so keep proof of payments and the medical records the underwriter asks for before sending anything in, along with the policy number.

What support can I get while travelling?+

Support runs on phone, email and chat, so phone, email, chat and a help centre are all listed. That matters most when someone is hospitalised abroad and needs help fast. Because True Traveller is a broker, the day to day answers come from its team while the claim itself sits with the underwriting insurer.

Can I buy cover if I live in Europe?+

European sales are handled by True Traveller s.r.o. in the Czech Republic, while the UK business is The True Traveller Limited. The medical and repatriation limit is quoted in euro for European policyholders and in sterling elsewhere, and the UK firm holds Financial Conduct Authority registration 756107.

Sources

  • register.fca.org.uk/s/firm checked September 26, 2026

    Backs: Licences

  • truetraveller.com checked September 26, 2026

    Backs: Age range, Insurance types

    “the maximum age we are able to insure to is 75 ... Multi-Trip policies are only available for travellers up to 65 years of age”

  • truetraveller.com/aboutus checked September 26, 2026

    Backs: Provider type, Founded, Headquarters, Legal entity

    “The True Traveller Limited, Company No: 07368275, registered in England ... acts as an insurance intermediary, authorised and regulated by the Financial Conduct Authority under registration number...”

  • truetraveller.com/backpackers-insurance checked September 26, 2026

    Backs: Cover limit

    “£10 million for UK policyholders, or €10 million for European policyholders, is the standard level of medical and repatriation cover on all our policies.”

  • truetraveller.com/claims checked September 26, 2026

    Backs: Claims channels, Excess from

    “You can start a claim here ... You will receive communication by email from CSA ... Alternatively, you can make a regular phone call”

  • truetraveller.com/faq checked September 26, 2026

    Backs: Support channels

    “The True Traveller Team are available between 9am - 6pm Mon - Fri Call us 020 3822 0200 Or send us an email.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

True Traveller

True Traveller

Travellers taking out a multi-trip policy who want a high medical and repatriation limit.

8.9/10See alternatives