Just Travel Cover

What Just Travel Cover does

Just Travel Cover, trading as a style of Just Insurance Agents Limited, is a UK-based specialist travel insurance broker headquartered in Sunderland. Founded in the early 2000s and operating for over 20 years, the company distributes travel insurance policies on behalf of a panel of multiple UK insurers rather than underwriting risk itself. Its core proposition targets two underserved customer segments: travellers with pre-existing medical conditions (cancer, heart conditions, diabetes, autoimmune diseases, mental health conditions, and hundreds of others) and older travellers with no upper age limit, including those in their 80s and 90s. The platform offers three coverage tiers (Bronze, Silver, Gold) and a suite of add-ons including cruise, winter sports, business, family, and medical-tourism cover, with a confidential medical screening tool updated in 2026 to focus on the last five years of medical history.

The company operates a direct-to-consumer go-to-market through a self-serve online quote platform at quote.justtravelcover.com, supplemented by a UK-based phone-based inside sales team for complex cases and add-ons available only over the phone (such as Boost Cancellation Cover up to £50,000). Its content marketing and SEO footprint spans over 100 condition-specific pages, age-segmented landing pages (over 50s through over 90s), destination pages across 150+ countries, and activity-specific pages, supported by a referral partnership with hospital charities such as Abby's Heroes. Notable product launches include the 2024 Smart Luggage add-on offering real-time £50 payouts for delayed luggage and up to £550 for losses. The company is FCA-authorised (number 610022) and won Best Travel Insurance Provider at the Insurance Choice Awards in 2023 with a Highly Commended in 2025.

Revenue is generated primarily through commissions paid by insurer partners on each distributed policy, supplemented by unit-priced add-on products. The firm expanded inorganically in July 2022 with the acquisition of Alpha Underwriting from CPP Secure Limited, and has reported 51% growth in policies sold versus pre-Covid levels. The company remains privately held with no disclosed external institutional investment, suggesting founder/management ownership with growth funded from operating cash flow.

Name

Just Travel Cover

Legal name

Just Insurance Agents Limited

Website

https://justtravelcover.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Just Travel Cover is a UK-based specialist travel insurance broker that distributes policies from a panel of insurers, focused on travellers with pre-existing medical conditions and older customers with no upper age limit.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB)

akta.pro secondary industries

Travel Insurance (Trip Cancellation/Interruption & Delay) (FSAJAJAA), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Travel insurance brokerage
• Medical condition cover
• Senior travel insurance
• Cruise insurance specialist
• Insurance quote comparison

Headquarters

HQ city

Sunderland

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Travel Insurance Policy Distribution: Just Travel Cover acts as an insurance broker/agent, distributing travel insurance policies from a panel of multiple UK insurers. Revenue is generated through commissions paid by insurer partners on each policy sold. The company compares options from its panel and presents tailored quotes to consumers, earning a distribution fee from the underlying insurer.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Just Travel Cover is a UK-based travel insurance broker (trading style of Just Insurance Agents Limited) that distributes travel insurance policies on behalf of a panel of multiple insurers. The company specializes in covering travellers with pre-existing medical conditions and offers policies with no upper age limit, presenting Bronze, Silver, and Gold tier options tailored to each customer's medical profile and trip details via an online quote engine and a UK-based phone sales team.

Product overview

Just Travel Cover is a UK-based travel insurance broker that operates as a comparison platform, working with a panel of multiple insurers to help travellers find tailored coverage. The core product is travel insurance with a focus on covering pre-existing medical conditions and travellers with no upper age limit. The platform offers three coverage tiers (Bronze, Silver, Gold) through its insurer panel, with single trip and annual multi-trip options. Key specialized offerings include Pre-Existing Medical Conditions Travel Insurance covering hundreds of conditions including cancer, heart conditions, diabetes, and mental health; No Upper Age Limit Travel Insurance for elderly travellers including those over 90; and Cruise Travel Insurance with cruise-specific benefits. Add-on modules include Smart Luggage (real-time luggage delay/loss payments), Boost Cancellation Insurance, Winter Sports, Activity Pack B, Golf, Cycling, Diving, Hiking, and Repatriation coverage. The company also provides Home Insurance, Car Insurance, and Business Travel Insurance through partnerships. The platform serves as an insurance broker, not a direct insurer, matching customers with appropriate policies from its panel based on medical screening.

Differentiator

Problem solved

Functional benefit

Products and services

• Single Trip Travel Insurance
• Annual Multi-Trip Travel Insurance
• Cruise Travel Insurance
• Pre-Existing Medical Conditions Travel Insurance
• No Upper Age Limit Travel Insurance
• Family Travel Insurance
• Business Travel Insurance
• Long-Stay Backpacker Travel Insurance
• Staycations Travel Insurance
• Travel Insurance for Medical Procedures Abroad
• Smart Luggage

Quantifiable outcome

• 51% growth in policies sold compared to pre-Covid levels (2022)
• +6 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Alpha Underwriting (from CPP Secure Limited)coreStrategic or Co-development Partner · 13 July 2022In July 2022, Just Travel Cover acquired Alpha Underwriting from CPP Secure Limited as part of its expansion strategy amid the travel industry's post-Covid recovery. The acquisition was intended to complement the company's strategy of enhancing partnerships and introducing innovative insurance products, strengthening its market position in the specialist travel insurance segment.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Others

• MoneySupermarket: Major UK price-comparison platform listing travel insurance products. Competes for top-of-funnel customer attention and can either complement or disintermediate JTC's direct acquisition motion.
• Compare the Market: UK price-comparison website that aggregates travel insurance quotes from multiple providers including brokers. Functions as a customer acquisition channel and indirect competitor to JTC's organic SEO-led model.

Direct peers

• AllClear Travel Insurance: UK specialist broker dedicated to travellers with pre-existing medical conditions, offering a multi-insurer panel similar to JTC. Direct competitor in the medical-conditions niche with comparable screening and panel-based distribution.
• Staysure: UK travel insurance specialist focused on the over-50s segment with medical screening and no upper age limits. Direct competitor to JTC's core proposition, serving the same customer profile via a similar online quote-and-compare model.
• Columbus Direct: UK travel insurance broker with online quote-and-buy and medical-condition cover. Comparable business model and customer segments to JTC, particularly in family and individual trip policies.
• InsureandGo: UK online travel insurance broker offering single-trip, annual, and cruise cover with medical screening capability. Competes with JTC on online convenience, panel breadth, and price comparison.
• Saga Travel Insurance: Long-established UK brand targeting the over-50s demographic with travel insurance featuring no upper age limit and medical condition cover. Highly comparable customer base and product positioning to JTC.

Broad incumbents

• Direct Line Travel Insurance: UK general insurer offering travel insurance among home, motor, and pet lines. A scaled incumbent competitor with broader distribution but less depth in medical-condition specialism.
• Aviva Travel Insurance: One of the UK's largest general insurers offering travel insurance as part of a broader personal lines portfolio. Overlaps with JTC on standard travel cover and some medical conditions, but does not specialise in the niche.
• LV= Travel Insurance: UK mutual insurer offering travel insurance as part of a multi-line personal insurance portfolio. Competes broadly with JTC but lacks the specialist medical-conditions focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/justtravelcover
• YouTubeyoutube.com/@justtravelcover2115
• Facebookfacebook.com/justtravelcover
• Instagraminstagram.com/justtravelcover

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Just Travel Cover