Puffin Insurance, Travel and Pet Insurance Review

Puffin Insurance

Overview

Puffin Insurance specializes in travel and pet insurance. We focus on profitability and comprehensive policies.

We offer a variety of coverage options and optional extras. so you can choose the right coverage for you without having to shell out the odds

They focus on cost efficiency, comprehensive policies and excellent service to their customers. The Puffin Insurance offers a variety of travel insurance policies for individuals, couples and families and groups of travelers between the ages of 18-25 and also offers policies for customers with pre-existing health conditions.

Puffin Travel Insurance

ThePuffin insurance offers annual and one-way travel policies. There are three levels of coverage to choose from: Bronze, Silver, and Gold. All policies include:

  1. 10,000,000 £ for medical expenses
  2. 250 £ personal monetary cover
  3. 150 £ for a lost passport
  4. 500 £ for dental service coverage
  5. Liability coverage of £ 1,000,000
  6. Personal accident cover of £ 5,000

the different levels of coverage are as follows

Bronze

Cancellation Coverage £ 750, Personal Baggage Coverage £ 750, Daily Hospital Benefit £ 400, Legal Protection £ 10,000, £ 750 for Reduction and Abandonment, £ 500 for natural disaster and £ 1,000 for scheduled airline blackouts. Travel delays and missed departures are not include in this policy. An excess of £ 200 applies to most claims and the maximum number of days per trip for annual coverage is 31.

Silver 

£ 1,500 for cancellation coverage, £ 1,500 for personal baggage coverage, £ 600 for daily hospital allowance, £ 15,000 for legal protection, £ 1,500 for reduction and abandonment, £ 750 for coverage in the event of a natural disaster, £ 1,500 for scheduled stranded plane tickets, £ 100 for travel delays and £ 500 for missed departure. An excess of £ 50 applies to most claims and the maximum number of days per trip for annual coverage is 45.

Gold

Cancellation Coverage £ 3,000, Personal Baggage Coverage £ 2,000, Daily Hospital Benefit £ 800, Legal Protection £ 25,000, £ 3,000 Reduction and Abandonment, £ 1,000 Disaster Coverage natural, £ 2000 for scheduled stranded plane tickets, £ 200 for travel delays and £ 750 for missed departure.

An excess of £ 50 applies to most claims and the maximum number of days per trip for annual coverage is 62.

however, Puffin insurance also offers additional options that you can add to your policy based on your needs. This includes coverage for winter sports, cruising, gadgets, golf, business and wedding.

Benefits of Puffin Travel Insurance

  • Their Gold Cover, Gold Medical Cover and Silver Cover is rated 4 Star by Defaqto
  • Cover 70 sports and activities as standard
  • UK based contact centre
  • 24/7 medical emergency assistance

Puffin Pet Insurance

We offer life policies and limited terms (see our guide to pet insurance below if you want an explanation of the difference) and 3 levels of coverage, with vet fees ranging from £ 1,250 to £ 4,500 per year.

What pets do we cover?

We guarantee dogs and cats up to 14 years. We can cover almost 400 different dog breeds (including cross / cross breeds) and for all cat breeds. To find out if we can cover your breed of dog, complete our “get a pet quote” page.

There are also certain eligibility criteria that most importantly must be met to purchase our insurance. These are detail in our policy documents.

  • Your pet must be over 8 weeks old and under 14 when you purchase the policy.
  • Pet should not be used for supervision, running on a track or running.
  • Your dog should not be crossed with certain breeds
  • Dog should not have been the subject of any complaint to the police
  • You and your pet must be permanent residents of the UK.
  • Your dog must be microcliped.

What coverage is provided?

Veterinary fees

Most people want pet insurance to cover the vet’s costs if your pet has an accident or becomes ill. The amount of vet fees we cover depends on the policy you have purchased (see Summary of Coverage Levels). All vet fees are subject to a deductible, which is £ 99 for all procedures. 

However, If your pet is over seven years old, you must also pay part of the vet’s fees and the deductible. This is called coinsurance and is described in our pet insurance guide of the company.

Free treatment

In addition to the veterinarian’s fees we will also cover certain free therapies / treatments, up to a limit:

like physiotherapy, animal behavior advisers and herbal or homeopathic medicines on prescription from your veterinarian.

Theft or loss

In the unfortunate event that your pet is stolen or gone missing, we will cover the purchase price of your pet (up to a limit).

Accidental death

Similar to ‘theft or loss’ coverage, in the unfortunate event that your pet has to be put to sleep by a veterinarian after an accident, we will cover the purchase price of the pet (up to a limit).

how to claim Puffin insurance?

If you purchased your Puffin travel insurance policy before August 1-2020.

you can download the relevant claim form from official website
All written correspondence regarding your claim should be sent to:

Travel Expense Reimbursement Services, PO Box 395, Hertford, SG13 9JW
If you purchased your policy after August 1, 2020 and want to make a claim in all sections (except gadget claims or airline scheduled failure claims), you should contact:
Travel Complaints Team, AXA Partners, The Quadrangle, 106-118 Station Road, Redhill, RH1 1PR
+44 (0) 2038 599 317

To file a complaint regarding the gadget extension, you should contact:
Citymain Administrators Ltd, 3000 Lakeside, North Harbor, Western Road, Portsmouth, PO6 3EN
0333 999 7932
[email protected]

To make a claim under Regular Airline Failure Insurance, you should contact:
PPI Claim at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff, CF10 3DQ
+44 (0) 345 266 1872
[email protected]

Contact Puffin Insurance

website – https://www.puffininsurance.com/
[email protected]
0333 772 0346
PO BOX 56
SA67 9AN
Narberth
United Kingdom

Take out a new Atlantic Puffin insurance policy or modify an existing one: 0333 772 0346
The lines operate Monday to Friday, 9 a.m. to 5 p.m.

You can also send an email to [email protected]


Emergency medical assistance

For policies purchased August 1, 2020, call +44 (0) 2038296742
For policies purchased after August 1, 2020, call +44 (0) 203859931
The lines operate 24 hours a day, 7 days a week.

By Coleen Nolan

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