Avion travel insurance review

We analyse and rate 66 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and factor this in when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. We then adjust the impact the more and less important elements have on the overall policy score.

Our 'Best Buy' badge recognises the individual products that stood out as being the most comprehensive in our analysis. 

It doesn't reflect customer service. However, we do look at claims statistics published by the Financial Conduct Authority and complaints data from the Financial Ombudsman Service, where these are available. We won't give a Best Buy badge to providers shown to reject higher-than-average numbers of claims or that have a poor track record when it comes to complaints.

Policies named as Best Buys did well in our analysis of cover, with a policy score of at least 71%.

Additionally, Best Buy policies scored well consistently across different areas of cover. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the features we compare (see 'Policy score' for more).

Lastly, all Best Buy policies must provide – either as standard or as an option – the following levels of cover as a minimum:

• £5m cover for medical expenses – with emergency medical repatriation and some cover for emergency dental treatment
• £2,000 cancellation and travel abandonment cover – including cancellation in the event that the Foreign, Commonwealth and Development Office (FCDO) advises against travel to your destination country because of natural disaster after you've insured your holiday
• Cancellation cover because of the illness, injury or death of a close family member or a person you were planning to stay with 
• Cover for travel delays – including cover for missing your outgoing or returning flight due to delays
• £1,500 cover for baggage
• £2m personal liability cover