Product Information

1. When does my coverage begin? When does it end?

Single Trip / Long Stay / Gap Year: Cancellation cover will start with immediate effect upon purchase of the policy, with all other benefits starting upon commencement of the trip. Most policy benefits will expire upon completion of the trip.

Annual Multi Trip: Cancellation cover will begin from the chosen policy start date (no more than 3 months after the purchase date), with all other policy benefits starting upon commencement of the trip. Most policy benefits will cease 365 days after the policy start date.

2. What happens if I’m the victim of a terrorist attack whilst abroad?

Our policy provides cover under the emergency medical and other expenses, hospital benefit and personal accident sections in the unfortunate event of a terrorist act. Claims associated with terrorism under any other section of the policy are excluded.

3. Do you offer cover if I am pregnant?

Our policies provide cover for unforeseen injury, illness, disease or complications as a direct result of pregnancy.

4. Does my policy cover repatriation?

Yes, repatriation cover is provided as part of the emergency medical and other expenses section of the policy. In the event that you need to be repatriated, contact must be made with our assistance providers in order to approve this and make the necessary arrangements on your behalf.

6. Will we be covered if we travel independently on our Annual Multi Trip policy?

Our Annual Multi Trip policies allow all named insured persons to be covered when travelling independently of each other.

7. Can I purchase a policy for my child only?

Yes, cover can be purchased for child only policies.

8. Can my grandchildren be insured on my policy?

We allow grandparents and grandchildren to be covered under the same policy using the definition of family cover.

9. What country should I select if I’m going on a cruise?

Please refer to the geographical area definition detailed in the policy wording, if you are travelling to a destination not listed under Europe you must choose the appropriate worldwide destination as specified in our terms and conditions.

10. Do you have any age limits?

Our policies have age restrictions applicable, please refer to the policy wordings for clarification of our age limits.

11. Can you arrange travel insurance for someone who is not travelling from the UK?

Our policies are available to permanent residents of the United Kingdom, Channel Islands or European Union who are registered with a medical practitioner. Trips must commence and end in the home country.

12. I'm travelling in more than one country during my trip, can I still get a policy?

Our policies have no limitation to the number of countries you can travel to, providing you have paid for the correct geographical area.

13. I have a couple Annual Multi Trip policy - will my partner and I still be covered if we go on separate holidays?

Our Annual Multi Trip policies allow all named insured persons to be insured when travelling independently of each other.

14. I have a family Annual Multi Trip policy - will my children be covered if they go on a holiday with their school?

Our Annual Multi Trip policies allow all named insured persons to be insured when travelling independently of each other.

15. I have a current policy which lapses two days before the end of my trip. When should my new policy start?

We will provide you with your policy expiry notification in good time (normally 21 days). This will allow you to purchase a new policy to commence from the expiry date of your existing cover. This must be arranged prior to travel for cover to continue.

16. Can I be covered whilst working during my trip?

Our policies cover non-manual work including bars, restaurants and other non-hazardous work (e.g. office and managerial work).