Travel Insurance

At Black Tomato, your safety and security is our top priority. While we plan every aspect of your trip to deliver a seamless experience, we always advise you have adequate insurance coverage before departure.

Travel insurance is a complex product and it is extremely important that your policy is suitable for your personal circumstances and travel plans. We encourage you to carefully review any policy you consider to make sure it fits your needs.

To help you with your decision, we can recommend a number of companies who understand the unique nature of Black Tomato trips.

US Travellers

Redpoint Travel Protection offer a range of comprehensive insurance plans, making them a great option for wherever your trip may take you. We trust them for their coverage and responsive service team.

UK Travellers

Campbell Irvine are a leading UK travel insurance provider and specialise in a wide range of activities. They stand out for their breadth of expertise and decades of experience.

For all travellers

Our network of trusted insurance providers extends to Allianz, Travelex, Berkshire Hathaway Travel Services and AIG Travelguard. Both Allianz and Travelex are endorsed by our luxury travel network, Virtuoso.  These are by no means the only options, and you may well find another insurer better suited to your requirements. For American travellers, Squaremouth and InsureMyTrip offer tools to compare coverage options from a wide selection of travel insurance providers. 

While many credit card companies offer travel protection for cardholders,  coverage levels can vary. We recommend speaking with your credit card company directly to understand the precise terms and scope of their travel insurance. 

There are many types of travel-related insurance products, which can be confusing. In general, there is “trip cancellation insurance,” “travel insurance,” and “travel protection.”

“Trip cancellation insurance” usually provides coverage for specific circumstances that prevent you from travelling. These typically include documented medical emergencies, severe travel disruptions, or official travel warnings from government bodies like the State Department (US) or Foreign Office (UK). You will need to ensure that any policy you choose covers the circumstances that are most relevant to you.

“Travel insurance” usually covers trip cancellation and expands to emergency and, sometimes acute, medical care.

“Travel protection” often represents the most extensive coverage available. Some insurers offer enhanced cancellation flexibility known as “Cancel For Any Reason (CFAR)” for an added premium. It is important to note that for CFAR to apply you will typically need to purchase an applicable policy within a short window (often about 14 days) of your initial trip confirmation.

The terms mentioned here can be used interchangeably by different companies. Reviewing the policies themselves is more important that the term used.

Travellers may need to consider additional coverage for adventurous trips that involve activities such as scuba diving. In these instances, rescue insurance, medical evacuation or medical care in remote locations are not always covered by general policies.

Finally, we encourage you to confirm whether you have sufficient coverage for medical costs in case anything arises while you are travelling (e.g., emergency care in-country and, potentially, medical evacuation).  Speak with your health insurance provider before travelling to confirm.