Puffin Travel Insurance reviews as good as it seems? Their website shows happy customers, but other reviews tell a different story. In this review, we’ll look at real experiences with their Silver, Gold, and Platinum plans to help you decide if Puffin is the right choice for your trips in 2025.
Table of Contents
The accounts provided by the Puffin travel insurance customers bring to the foreground two contrasting images of the company. While over twenty-one thousand customers have given it a rating of 4.6 stars on their website, review platforms such as Trustpilot display an alarming rating of 1.6 stars for the insurer. Given these two perspectives, they cast doubt on the credibility of the Puffin travel insurance customer reviews.
Surprisingly, their under-writer Axa has claimed acceptance rates which range between 85-90 for both the annual and single trip policies out there which is significantly higher than the 73 and 76 figures most of the market also does. Interviews with customers showcased different experiences as they reported waiting around 7 weeks for the claims to process only to repeat the same cycle for 6 months for a single claim.
Our detailed review will help you understand these contradictions. We’ll analyze customer experiences with Silver, Gold, and Platinum policies to help you decide if Puffin Insurance deserves your business in 2025. We’ll also explore whether Puffin holiday insurance reviews align with real customer experiences.
Value Assessment for Different Travelers: Best Puffin Travel Insurance Reviews
Puffin policies are best suited for older travelers as they offer cover for all aged up to the age of 84 for single trips and up to the age of 80 for annual policies.

Puffin’s insurance is divided into three tiers- Silver, Gold and Platinum. Silver policies offer up to £10M in coverage for hospitalization, £1500 for cancelation and damage of personal bags while Gold and Platinum policies reach as high as £5000 for cover for cancelation and £2500 for bags.
Key highlights of their policy coverage:
- Medical expenses cap at £10M across all tiers
- Natural disaster protection ranging from £1,500 to £5,000
- Legal protection between £15,000 to £20,000
- Daily hospital benefits up to £800 (Platinum policy)
Puffin’s standard coverage includes over 100 holiday activities. This covers everything from surfing to water skiing, which works well if you’re an active traveler. You can add extra protection for:
Activity Type | Coverage Details |
---|---|
Winter Sports | Skiing and snowboarding |
Extended Gadget | Additional electronics protection |
Adventure Packs | Higher-risk activities |
These policies are a solid choice for most travelers, especially when you plan multiple activities during your trips. The annual multi-trip option is budget-friendly if you take more than two week-long holidays within a year.
Policy Fine Print Analysis
The fine print of Puffin’s policies reveals significant details you should know about. Their underwriter AXA has an impressive track record. They’ve paid 85-90% of claims on both worldwide and European coverage policies. This claim success rate is much higher than the industry average of 76%.
A look at the policy document shows that pre-existing medical conditions need special attention. You must contact Puffin directly to get medical screening. Your claims might be denied if you don’t declare your conditions properly. The policy will automatically extend if you can’t return home because of illness or transport delays.
These important exclusions need your attention:
- Losses occurring outside valid trip dates
- Undeclared medical conditions
- Trips that began before policy purchase
- Travel against medical advice
The policy duration limits vary by tier:
Policy Type | Age Limit | Trip Duration |
---|---|---|
Single Trip | 18-84 | Up to 93 days |
Annual Gold/Silver | 18-70 | 32 days per trip |
Annual Platinum | 18-70 | 45 days per trip |
You must be a permanent UK resident and registered with a UK GP to purchase coverage. On top of that, you need to contact your travel agent or airline first to get potential refunds for cancellation claims.
Puffin vs Major Competitors
Our Puffin Travel Insurance Reviews has seen remarkable growth. The company reports a 103% increase in Gross Written Premium and 93% more insured customers in the last year.

The insurance market includes competitors like World Nomads, IMG Global, and SafetyWing. Notwithstanding that, Puffin stands out through its partnership with AXA. The company maintains an impressive 85-90% claims acceptance rate.
Here’s how Puffin stacks up against key competitors:
Feature | Puffin | Major Competitors |
---|---|---|
Policy Types | Silver, Gold, Platinum | Basic to Premium |
Age Coverage | 15-85 years | Typically 18-70 |
Underwriter | AXA | Various |
Claims Processing | Online claim submission | Mixed |
Puffin has sold over 325,000 travel insurance policies, showing a strong market presence. The company focuses on:
- Low overhead costs lead to competitive premium cost
- A resilient online claim processing system
- Detailed coverage for pre-existing conditions
Like other providers, Puffin offers both single-trip and annual cover options. They ended up standing out by knowing how to keep prices competitive while providing coverage through a reputable underwriter like AXA.
Conclusion
Our exploration of Puffin Insurance paints a nuanced picture. Their backing from AXA definitely adds credibility, which shows in their impressive 85-90% claim payout rate. The complete coverage through Silver, Gold, and Platinum policies delivers strong value, especially when you have travelers over 70 who find it hard to get suitable insurance.
Customer reviews tell a mixed story. You should think about your specific needs before making a purchase. Most travelers will find adequate coverage in the simple Silver policy. Adventure seekers need Gold or Platinum tiers that come with improved protection.
Puffin’s competitive pricing and market growth numbers make them stand out in the travel insurance market. Take time to read other pieces about travel insurance providers to choose wisely. Your age, planned activities, and comfort with claim processing times will guide your decision. These times typically range from 7 weeks to occasional 6-month waits.
FAQs
Q1. What are the key features of Puffin Insurance’s travel policies? Puffin Insurance has three levels: Silver, Gold, and Platinum, and all tiers start with £10M medical coverage which increases with cancellation and baggage coverage with higher tiers. Their basic coverage includes more than 100 vacation activities and also offers endorsements for winter sports and other extreme activities.
Q2. How does Puffin Insurance compare to its competitors? Puffin Insurance stands out because of its engagement with AXA insurance whose endorsements have an 85 to 90 percent claim acceptance rate. They price competitively, have a wider range of accepted pre-existing conditions, and have a wider age group cover (15 to 85) than average competitors.
Q3. What should I know about Puffin Insurance’s claim process? Faced with such statistics, it is no wonder that some customers remain disappointed noting that it took them more than 2 months to complete a claim, while others state that it took them as long as 7 weeks which makes the submission of the online claim process rather convenient especially given the intended purpose.
Q4. Does Puffin Insurance cover any pre-existing conditions? A medical practitioner wants to pay attention to pre-existing medical conditions as they might declare a medical history that can be a reason for their insurance claims to be denied. Puffin can be contacted for health screening but reasonable and proper declaration of pre-existing medical conditions is made. Puffin Insurance can also be said to offer assistance for pre-existing medical diseases.
Q5. What are the age limits and trip duration restrictions for Puffin Insurance policies? For single trip policies, the age limit is 18-84 years with trips up to 93 days. Annual Gold/Silver policies cover ages 18-70 with 32 days per trip, while Annual Platinum policies allow 45 days per trip for the same age range. This makes Puffin particularly attractive for older travelers.
Q6. How can I contact Puffin travel insurance customer service? If you want to call for any emergency concerning a medical issue seek help regarding a policy or want to file. Puffin covers these emergencies in a single line and that is the reason can be reached at 0333 772 0346. This line can also be reached for other reasons as well.
Q7. Does Puffin offer gadget insurance? Yes, Puffin offers extended gadget insurance as an add-on to their travel insurance policies. This ensures adequate and satisfactory coverage of electronic devices while you are traveling.
Q8. What are the guidelines attached to the renewal of Puffin’s Policies? Puffin’s policies are annual, but they do allow for the auto-renewal of their policies; however, it’s wise to check the policy documents before the renewal cycle begins to avoid future inconveniences.
Q9. What should I do about a claim regarding an item that is stolen or lost after Puffin handles it? For items that have been stolen or lost, you will need to present a police report which Puffin expects to be filed within 24 hours of the occurrence. The claims process for having an item stolen or lost generally goes through the submission of a police report along with the inventoried proof of ownership.
Q10. Is Puffin travel insurance regulated by the Financial Conduct Authority? Yes, Puffin is subject to supervision by the Financial Conduct Authority FCA while operating by issuing travel insurance. This enables them to follow the set regulations and standards by the relevant authority.