Frequently asked questions

What am I covered for?

Our policies cover you for medical expenses, loss of personal belongings, passports and cash, travel delays or missed departures, as well as personal liability and legal costs. A 24-hour emergancy medical service is also available. Click here to find full information on what we cover you for.

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Are there any medical conditions you don't cover?

If we can't provide cover for a medical condition, it's usually because it hasn't been stable within the last year. However, if we are unable to cover a particular condition it doesn't mean we won't be able to provide any cover at all.

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How do I claim on my policy while I am abroad?

The medical emergency service is available 24 hours a day. Details are provided within the policy booklet.

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Will I get a receipt?

Yes, your policy schedule represents a receipt of your premium.

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When will I get my policy document?

We aim to process all policies the same day so you can expext to receive your policy documents through the post within five days of application.

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Are there any age limits?

All Annual travel insurance policies have an upper age limit of 69 years old, while Single Trip insurance policies can be taken by those up to the age of 79.

The extended Long Stay travel insurance policies providing cover for up to 12 months have a maximum age limit of 65 years old.

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What kinds of policies are available?

  • Single-Trip up to 154 days
  • Annua Multi Trip up to 92 days
  • Long Stay Trip between 6 & 12 months

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Do I really need travel insurance if I am travelling within the European Community?

Yes. While your basic medical expenses may be reimbursed through the EHIC scheme, there are many additional reasons why you might require full travel insurance within the EC, such as:

  • Loss or damage to baggage
  • Loss or theft of personal money
  • Travel delays
  • Cancellation of flights/transportation

So should anything unexpected occur whilst on holiday, you will be able to continue enjoying your travels with the confidence that everything is covered.

European Health Insurance Card (EHIC) - this now replaces the E111 form

The reciprocal arrangement on medical treatment inside the EC varies widely from country to country. It does not cover everything. A significant contribution towards medical costs is often required by the health-service of the host country.

Should you travel without insurance, you will be fully responsible for the cost of getting yourself (and any family members) home by air ambulance - or on additional flights.

Apply here: https://www.ehic.org.uk/

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Will I need a medical certificate to apply for a policy?

We very rarely ask for one. We rely on you supplying us with accurate information and answering the medical questionnaire correctly. We do not cover claims for any existing medical conditions that were not declared and agreed by us when you applied.

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