What Journeys Travel Insurance does

Journeys Travel Insurance is a UK-based travel insurance underwriting specialist operating as a trading name of Virtual Insurance Products Ltd, a private limited company authorised and regulated by the Financial Conduct Authority (Register No: 307038) and headquartered in Totnes, Devon. Since 2021 it has held exclusive scheme provider status with the British Insurance Brokers' Association (BIBA) for Holiday and Sports Travel Insurance, and its products are underwritten by 'A' rated UK insurers. The company offers a focused four-product portfolio — Holiday+ (flagship, up to age 85), Holiday Traveller (lower-cost tier, up to age 80), Sports+ (specialist sport-focused cover for 300+ activities, up to age 65), and Longer Stay (single-trip cover up to 540 days including working abroad, up to age 65) — distributed both directly through its website (journeys2.co.uk) and indirectly through BIBA's broker network.

The business model centres on travel insurance premium revenue, sold either as single-trip or annual multi-trip policies, with optional extensions (Winter Sports, training/competition coverage). Non-emergency claims are processed by ERGO IAS Services and 24-hour emergency medical assistance is coordinated externally, allowing the company to operate with a small team (1-10 employees per firmographic range). Marketing channels are concentrated on the website for direct consumer acquisition and on the BIBA endorsement for broker-led distribution; pricing is not publicly disclosed, with quotes generated through the website and specific premium terms detailed in Policy Wording documents. The company is UK-resident-only, explicitly excluding non-UK residents and customers who have already departed.

The company operates with no disclosed external funding, no parent company, no subsidiary structure, and no public listing. There is no disclosed technology stack, no proprietary AI/ML capabilities, and no app presence. Its differentiators are the BIBA endorsement, regulatory standing, age-limit extension (up to 85 on Holiday+), the breadth of sports coverage under Sports+, and COVID-19 cancellation and medical cover. Customer concentration is poorly evidenced in the input data, and the firmographic employee range and absence of any disclosed revenue figure indicate a small, niche operating footprint.

Name

Journeys Travel Insurance

Legal name

Virtual Insurance Products Ltd

Website

https://journeystravel.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Journeys Travel Insurance is a UK-based, FCA-authorised travel insurance underwriting specialist (trading as Virtual Insurance Products Ltd) offering Holiday+, Sports+, Holiday Traveller and Longer Stay policies directly via its website and through BIBA's broker network since 2021.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Travel Insurance (Trip Cancellation/Interruption & Delay) (FSAJAJAA)

akta.pro secondary industries

Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL), Medical Travel Insurance (Emergency Medical, Evacuation & Repatriation) (FSAJAJAB), Travel Insurance & Protection Products (Cruise-Specific) (THAEAFAL), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Travel insurance
• Holiday insurance
• Sports travel cover
• Broker scheme provider
• Pre-existing medical cover

Headquarters

HQ city

Middlesex

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Travel Insurance Premiums: Journeys Travel Insurance generates revenue through the sale of travel insurance policies. Products include Holiday+ (up to age 85), Sports+ (up to age 65), Holiday Traveller (up to age 80), and Longer Stay (up to age 65, maximum 540 days). Policies are available as single trip or annual multi-trip. Additional premiums apply for optional extensions such as Winter Sports cover and training/competition coverage.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Journeys Travel Insurance provides UK travel insurance products sold under four branded lines — Holiday+, Sports+, Holiday Traveller, and Longer Stay — covering single-trip, annual multi-trip, adventure/sports, backpacker, and long-stay travel scenarios. Policies are issued under the firm's FCA authorization (Register No: 307038) and underwritten by 'A' rated UK insurers, with cover extending up to £15 million in medical expenses and inclusive cover for 100+ pre-existing medical conditions and 300+ adventure sports activities.

Product overview

Journeys Travel Insurance is a portfolio of four travel insurance products underwritten by 'A' rated UK insurers and authorised by the Financial Conduct Authority. The core offering consists of four distinct products: Holiday+ (flagship BIBA-endorsed policy for travellers up to 85), Holiday Traveller (budget-friendly option for travellers up to 80), Longer Stay (extended trip coverage up to 540 days for travellers up to 65), and Sports+ (specialist coverage for sports-focused travellers covering 300+ activities). BIBA (British Insurance Brokers Association) has been the exclusive scheme provider since 2021.

Differentiator

Problem solved

Functional benefit

Brands

• Holiday+: BIBA endorsed flagship travel insurance for travellers aged up to 85. Choice of Single Trip for travellers aged up to 85 or Annual Multi Trip cover for travellers aged up to 75. Increased cover on Emergency Medical Expenses and Holiday Cancellation. Wider range of optional extensions.
• Sports+
• Holiday Traveller
• Longer Stay

Products and services

• Holiday+ Holiday travel insurance available as both a single-trip policy and an annual multi-trip policy, designed for UK consumers taking standard leisure holidays. Includes comprehensive medical cover up to £15 million, cancellation, baggage, and cover up to age 85 (single trip) or 75 (annual multi-trip), with cover for 100+ pre-existing medical conditions.
• Sports+ Adventure and sports travel insurance covering 300+ activities for UK consumers whose trips include hazardous or specialist pursuits excluded by standard holiday policies. Available via the BIBA scheme and direct channels.
• Holiday Traveller Backpacker and budget traveller insurance aimed at UK consumers taking extended, lower-cost trips abroad. Designed for multi-stop, longer-duration itineraries within the regulated travel insurance framework.
• Longer Stay Long-stay travel insurance for UK consumers on extended-duration trips beyond standard single-trip limits, providing regulated cover over longer time horizons for working holidays, gap years, and similar itineraries.

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• British Insurance Brokers' Association (BIBA)coreChannel Partner/ Reseller/ Distributor · 1 January 2021Journeys Travel Insurance (trading name of Virtual Insurance Products Ltd) was appointed as BIBA's exclusive scheme provider for Holiday and Sports Travel Insurance in 2021. This partnership provides Journeys with access to BIBA's national network of insurance brokers and endorses the company's products as the preferred travel insurance solution within the BIBA scheme.
• ERGO IAS ServicescoreImplementation/ SI/ Consulting PartnerERGO IAS Services handles non-emergency claims processing for Journeys Travel Insurance. Claims are submitted via email ([email protected]) or post to ERGO IAS Services, Unit 6, Birch House, Ransom Wood Business Park, Southwell Road West, Mansfield, NG21 0HJ. ERGO provides 24-hour emergency medical assistance coordination for policyholders abroad.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• LV= Travel Insurance: Major UK general insurer offering travel insurance as part of a broader personal lines portfolio. Competitor across all four Journeys product tiers but not specialist in any niche.
• Direct Line Travel Insurance: Large UK personal lines insurer offering travel cover through direct channels. Mass-market incumbent competing for the same UK travel insurance wallet but without niche specialism.
• Aviva Travel Insurance: One of the UK's largest insurers with a mainstream travel insurance product. Provides scale-based competition but lacks Journeys' specialist senior, sports, and long-stay positioning.

Regional players

• World Nomads: Travel insurance provider focused on adventure and backpacker travellers globally. Comparable to Journeys' Sports+ product in adventure activity coverage but serves international rather than UK-domestic customers.

Direct peers

• InsureandGo: UK travel insurance provider with multiple product tiers (single trip, annual multi-trip, sports) distributed direct and through brokers. Closely comparable product portfolio structure to Journeys' four-product range.
• Staysure: UK-focused travel insurance specialist famous for serving older travellers (up to age 100 on some products). Directly comparable to Journeys' Holiday+ flagship given overlapping senior-traveller positioning and broker/DTC distribution.
• AllClear Travel Insurance: Specialist UK travel insurer focused on customers with pre-existing medical conditions. Comparable to Journeys as a niche underwriting specialist serving medically under-served travellers outside mainstream insurers.
• True Traveller: UK specialist travel insurer targeting older and longer-stay travellers with extended duration cover. Directly comparable to Journeys' Longer Stay product (up to 540 days) and senior age limit positioning.
• Explorer Travel Insurance: UK-based travel insurance provider covering adventure activities and higher-risk travellers. Comparable to Journeys' Sports+ product with its 300+ activity coverage focus.

Others

• Compare the Market: UK price comparison aggregator that routes travel insurance demand to carriers including Staysure and Aviva. Represents the primary distribution channel Journeys must compete against for organic travel insurance demand.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/journeys-travel-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Journeys Travel Insurance