During the last financial year (2023/24), disgruntled travel insurance policyholders took 4,466 complaints to the Financial Ombudsman Service. This was up from the 3,745 complaints made the previous year. The only time the figure had been higher in the past 10 years was in 2020/21, when disruption caused by COVID-19 caused a spike in disputes.

Abby Thomas, chief executive and chief ombudsman of the Financial Ombudsman Service, said: “It’s concerning to see so many people dissatisfied with their insurance provider. That’s why it’s so important firms take the time to explain terms, treat people fairly, and ensure everyone understands their policy.

“If people aren’t happy with how they have been treated they should contact our free, independent service and we’ll investigate.”

The FOS said complaints most often related to issues including the disclosure of medical conditions, the levels of emergency assistance, delayed or missed flights and lost or stolen luggage.