Total Travel Protection

What Total Travel Protection does

Total Travel Protection is a UK-based specialist travel insurance provider operating as a trading name of Ancile Insurance Group Limited, a private limited company authorised and regulated by the Financial Conduct Authority (No. 471641) and founded in 2010. The company underwrites travel insurance policies for two underserved customer segments: travellers with pre-existing medical conditions (including cancer, heart conditions, diabetes, arthritis, lung conditions, asthma, epilepsy, HIV, mental health conditions, and pregnancy) and older travellers with no upper age limit. Its product surface spans single-trip, annual multi-trip, cruise, ski, Covid-19, one-way, already-departed, and against-FCDO-advice insurance, sold across three benefit tiers (Silver, Gold, Platinum) with optional add-on modules for gadgets, natural catastrophes, hazardous activities, missed connections, terrorism, and waiting-list cover.

The business operates a dual distribution model combining product-led growth (self-serve online quoting and 24/7 purchase) with inside sales (phone-based call centre agents who guide customers through medical screening). Revenue is generated on a per-policy basis from premiums priced individually according to medical screening results, trip destination, duration, traveller ages, and selected coverage level. The company has no publicly disclosed revenue or funding history, operates from a London headquarters with outsourced claims administration via International Medical Group in Cardiff, and uses South Africa-based IUA Business Solutions for back-office support. Its competitive positioning rests on 15 years of specialist underwriting expertise, regulatory standing (FSCS-backed policies), a 4.8/5 Trustpilot rating, and consecutive National Insurance Award wins (2022, 2023, 2026).

Name

Total Travel Protection

Legal name

Ancile Insurance Group Limited

Website

https://totaltravelprotection.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Total Travel Protection is a UK FCA-regulated specialist travel insurance provider underwriting single-trip, annual multi-trip, and cruise cover for travellers with pre-existing medical conditions and older travellers with no upper age limit, selling direct via self-serve website and phone-based inside sales.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Travel Medical Insurance (Individual) (FSAIAEAI)

akta.pro secondary industries

Travel Insurance & Protection Products (Cruise-Specific) (THAEAFAL), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)

Keywords

• Travel insurance services
• Medical condition coverage
• Senior traveler insurance
• Cruise travel insurance
• Annual multi-trip insurance

Headquarters

HQ city

London

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

Revenue model

1. Travel Insurance Policies: Core revenue from annual multi-trip and single-trip travel insurance policies. Customers purchase coverage for trips with varying levels of protection (Silver, Gold, Platinum). Premiums are based on individual medical screening results, trip details, destination, and duration. 14-day money back guarantee provides customer assurance.
2. Optional Add-on Cover: Additional premiums from optional extensions including gadget cover, natural catastrophe cover, hazardous activities cover, missed connection cover, terrorism cover extension, and waiting list cover.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Total Travel Protection sells UK retail travel insurance directly to consumers through a self-serve website and telephone call centre, offering single-trip, annual multi-trip, cruise, ski, medical-condition, and numerous specialist covers (gadget, terrorism, natural disaster, missed connection, FCDO advice, waiting list, already-departed) packaged into Silver, Gold, and Platinum tiers. Claims administration is outsourced to International Medical Group, and the company is positioned as a specialist in insuring travelers with pre-existing medical conditions.

Product overview

Total Travel Protection is a specialist travel insurance provider focused on covering travellers with pre-existing medical conditions and those over traditional age limits. The core offering consists of Medical Travel Insurance, Single Trip Travel Insurance, Annual Multi-Trip, and Cruise Insurance as primary products, with specialist coverage for Ski/Winter Sports, Covid-19, One-Way trips, Already Left UK, and Travelling Against FCDO Advice as additional product variants. Optional add-on modules include Gadget Cover, Natural Disaster Cover, Activity & Sport Cover, Missed Connection Cover, Terrorism Cover, and Waiting List Cover. Coverage is available across three tiers: Silver (£5M medical cover, £100 excess), Gold (£7.5M medical cover, £75 excess), and Platinum (£10M medical cover, comprehensive benefits). The company emphasises no upper age limits and specialist medical screening for pre-existing conditions.

Differentiator

Problem solved

Functional benefit

Products and services

• Medical Travel Insurance Travel insurance underwritten for travelers with pre-existing medical conditions, the company's flagship specialist cover.
• Single Trip Travel Insurance Cover for one individual trip purchased by a UK traveler.
• Annual Multi-Trip Travel Insurance Year-round travel insurance for frequent travelers taking multiple trips within the policy period.
• Cruise Travel Insurance Specialist travel insurance designed for cruise holidays and cruise-specific risks.
• Ski & Winter Sports Travel Insurance Travel insurance covering winter sports activities and ski-specific risks.
• Covid-19 Travel Insurance Travel insurance providing cover related to Covid-19 disruptions, including cancellation and medical cover arising from the pandemic.
• Gadget Cover Add-on or standalone cover protecting personal electronic devices such as phones, tablets, and laptops during travel.
• Natural Disaster Travel Insurance Travel insurance covering trip disruption caused by natural disasters at the destination.
• Activity & Sport Travel Insurance Travel insurance for travelers undertaking adventure and sporting activities during their trip.
• Missed Connection Travel Insurance Cover for travelers whose connecting transport is missed, paying out additional costs to rejoin the trip.
• Terrorism Travel Insurance Travel insurance covering trip cancellation or disruption caused by terrorism events at the destination.
• One-Way Travel Insurance Travel insurance for single-direction trips rather than return journeys.
• Already Left the UK Insurance Late-purchase travel insurance for UK travelers who have already departed and need cover in-flight.
• Travelling Against FCDO Advice Insurance Travel insurance for trips to destinations where the UK Foreign, Commonwealth & Development Office has advised against travel.
• Waiting List Cover Cover protecting travelers who are on a medical waiting list and may need to cancel or alter planned trips.

Quantifiable outcome

• 4.8 out of 5 Trustpilot rating
• +2 more outcomes

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• International Medical Group LtdcoreImplementation/ SI/ Consulting PartnerThird-party administrator for policy assistance and claims handling. Based in Cardiff, UK with company registration 04163178. Handles 24/7 emergency medical assistance, claim processing, and repatriation coordination. Data may be processed in the US under recognised EU-US data privacy framework compliant with UK GDPR.
• IUA Business Solutions (PTY) LtdminorImplementation/ SI/ Consulting PartnerService company based in South Africa providing insurance policy administration and customer service support. Company registration 1981/006334/07, located at Cnr. Keynsham and Umhlanga Rocks Drive, Somerset Park, Umhlanga Rocks, 4319. Bound under International Data Transfer Agreement (IDTA) to protect customer data.
• CustomerKNECT LtdminorImplementation/ SI/ Consulting PartnerThird-party printing and postal service for policy documents. Company registration 02289304, located at 3 Pancras Square, London, N1C 4AG, UK.
• Mention-MeminorGTM or Marketing PartnerThird-party platform facilitating the refer-a-friend reward programme. Collects and analyses referral data from online sales and complies with data processing regulations. Website: www.mention-me.com

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Avanti Travel Insurance: UK specialist travel insurance provider with a focus on older and medical-condition travellers. Direct competitor with comparable underwriting and direct-to-consumer model.
• Free Spirit: UK specialist in travel insurance for people with medical conditions and older travellers. Competes head-to-head with TTP in the medical-condition niche via a similar specialist proposition.
• insurewith: UK specialist medical-condition travel insurance provider. Overlaps with TTP on pre-existing-condition underwriting and similar target customers.
• Staysure: UK over-50s-focused travel insurance specialist. Direct competitor in the older-traveller segment, with a large direct-to-consumer brand and comparable specialist positioning.
• AllClear Travel: UK specialist travel insurance provider focused on travellers with pre-existing medical conditions. Closest direct competitor to TTP, offering comparable medical screening and condition-specific underwriting.
• Explorer Travel Cover: UK travel insurance provider specialising in older travellers and medical conditions. Comparable specialist proposition targeting a similar niche customer base.

Emerging players

• CoverForYou: Online travel insurance provider targeting UK travellers with competitive pricing on standard and condition-cover policies. An emerging digital competitor using a primarily online distribution model.

Broad incumbents

• Direct Line Group: Major UK general insurance group with a travel insurance line. A broad incumbent whose growing medical-screening capability could increasingly compete with TTP in the specialist niche.
• Saga Travel Insurance: Long-established UK brand focused on the over-50s across financial services and travel. Broad incumbent in the senior travel insurance space with deeper capital and a wider product portfolio than TTP.
• LV= Travel Insurance: Large UK mutual insurer offering travel insurance including cover for medical conditions. Broad incumbent that competes for the same customers as TTP, particularly older travellers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Total Travel Protection