Urban Jungle travel insurance (UK): cover explained and the £20 referral credit

Last updated: 9 June 2026

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What is Urban Jungle travel insurance?

Urban Jungle is a UK digital insurer that also arranges travel cover. The idea is to skip the usual form-filling marathon: you answer a few questions online, get a quote in minutes, then choose the cover level that fits your trip. It sits alongside Urban Jungle's home, contents and renters insurance, so you can manage everything from one account.

How the £20 credit works

• Start your quote through the referral link on this page.
• Buy a qualifying Urban Jungle policy as a new customer.
• Once your cooling-off period has passed, £20 in account credit is applied, subject to Urban Jungle's refer-a-friend terms and any minimum spend.

The reward is account credit rather than a cash payout, and the conditions (including the minimum spend and a lifetime cap on total credit) are set out in Urban Jungle's refer-a-friend terms. Always check the figure and conditions shown at checkout before you rely on them.

Cover options worth knowing

• Trip types: Single Trip cover for one holiday, or Annual Multi-Trip cover for several trips across a year.
• Cover levels: a choice of cover tiers, so you can match the level to your trip rather than paying for extras you will not use.
• Medical cover: emergency medical and repatriation cover, with the limits set out in the policy documents.
• Pre-existing conditions: you will be asked about pre-existing medical conditions for each traveller. Answer these accurately, as undisclosed conditions can invalidate a claim.
• Trip length: single trips have a maximum duration that depends on the cover level and your age, so check the limit for your trip before you buy.

What stands out

• Fast online quoting: you can get a travel quote online in minutes rather than over a long phone call.
• Pick your level: you choose the cover tier you actually need instead of a one-size-fits-all package.
• One account: if you already hold Urban Jungle home or contents cover, you can manage your travel policy in the same place.

Who it may suit

Urban Jungle travel insurance may suit people who want to sort cover quickly online and choose a level that matches the trip, whether that is a single holiday or several trips across the year. As with any travel policy, it is worth comparing the cover limits, excesses and exclusions against your specific plans rather than choosing on price alone.

Who provides the cover, and is it regulated?

Urban Jungle is a trading name of Urban Jungle Services Ltd, an insurance intermediary authorised and regulated by the Financial Conduct Authority (FRN 782061). The travel product is administered by the specialist travel managing general agent P J Hayman & Company and underwritten by Canopius. The insurer and administrator are confirmed in your policy documents. Eligible general insurance arranged through Urban Jungle is protected by the Financial Services Compensation Scheme (FSCS) if the insurer cannot meet valid claims. CoolCuration is not authorised by the FCA and does not give insurance or financial advice.

Got a home too? Urban Jungle home and contents cover

If you are comparing insurers anyway, it is worth looking at Urban Jungle's home and contents cover as well: Urban Jungle home and contents insurance (CoolCuration).

FAQs

Is Urban Jungle travel insurance regulated?

Yes. Urban Jungle Services Ltd is authorised and regulated by the Financial Conduct Authority (FRN 782061). The travel policy is administered by P J Hayman & Company and underwritten by Canopius, both named in your policy documents.

How do I get the £20 Urban Jungle credit?

Start your quote through the referral link, buy a qualifying Urban Jungle policy as a new customer, and the £20 account credit is applied after your cooling-off period, subject to the refer-a-friend terms and any minimum spend. Check the figure shown at checkout.

Does it cover pre-existing medical conditions?

You will be asked about pre-existing conditions during the quote. Some can be covered and some excluded, so answer the questions accurately. Undisclosed conditions can lead to a claim being refused.

Single Trip or Annual Multi-Trip, which should I pick?

Single Trip suits one holiday, while Annual Multi-Trip can work out better value if you travel several times a year. The right choice depends on how often you travel and where, so compare the limits for your plans.

Is my travel policy FSCS protected?

Eligible general insurance arranged through Urban Jungle is covered by the FSCS if the underlying insurer fails to meet valid claims. For most general insurance the FSCS covers 90% of a claim with no upper limit.

Authority and useful sources

• FCA Register: Urban Jungle Services Ltd (FRN 782061).
• MoneyHelper travel insurance guide: impartial guidance on what to look for.
• FCDO foreign travel advice: official destination guidance that can affect cover.

Important notes

This page is for general information only and is not financial or insurance advice. Cover, limits, exclusions, eligibility, referral terms and reward amounts are set by Urban Jungle and can change or be withdrawn at any time, so always read the policy documents and the current refer-a-friend terms before buying. The insurer and administrator are named in your policy. CoolCuration is not authorised by the Financial Conduct Authority. This page contains a referral link; if you sign up through it, CoolCuration may receive a referral reward at no extra cost to you. It does not affect our editorial view.

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