NARPO would like to inform members of important updates to the Travel Insurance Scheme ahead of the June 2026 renewal. Over the past year, the scheme has experienced an increase in both the number and severity of claims, particularly in overseas medical costs, cancellation and disruption payouts, alongside several large, complex cases. These trends reflect broader pressures across the travel insurance market.
Following a full actuarial review by the insurer, current premiums no longer fully reflect the underlying risk, especially within age groups most affected by rising medical inflation and higher claims. Targeted pricing adjustments will therefore apply for 2026, with most increases expected to fall between 8% and 18%. These remain lower than those seen elsewhere across the insurer’s wider portfolio, and the scheme continues to operate on a “fit to travel” basis, which remains highly valued by members. Rest assured that these changes are measured, proportionate, and focused on the areas of greatest claims pressure.
Over the past 12 months, the NARPO Travel Insurance Scheme has experienced a significant shift in claims performance. Both the number and severity of claims have increased, driven by rising overseas medical treatment costs, higher cancellation and disruption payouts, and a small number of large, complex cases. These trends mirror the wider travel insurance market. To ensure the long-term sustainability of the scheme and maintain the level of cover NARPO members expect, the insurer has completed a full actuarial review. This has shown that current premiums no longer fully reflect the underlying risk, particularly in older age groups where rising medical inflation and claim severity have been most pronounced.
In response, the insurer will be applying a series of targeted and proportionate pricing adjustments for the 2026 renewal. Most increases fall between 8% and 18%, with changes focused on the areas experiencing the highest claims pressures. This avoids any blanket uplift for all members and helps maintain fairness across the scheme. Throughout the process, the aim has been to balance affordability with responsible risk management and to ensure the product remains competitive and sustainable for the years ahead. Finally, NARPO would like to highlight that every policy purchased through CSIS contributes to their charity giving, via the CSIS Charity Fund. By choosing to insure through CSIS you become part of something much bigger. For details of their charity giving please click here.