Included within your travel insurance policy you have the following cover included as standard:
Cancellation cover if in the event that you test positive in the 14 days leading up to your holiday.
Cover in case you need to curtail/cut short your trip, due to a positive COVID-19 test result.
Cover for medical expenses and repatriation if you’re diagnosed with COVID-19 during your trip.
The above are all covered as standard within your travel insurance policy as standard. If however you would like to purchase the COVID-19 extension the following cover with added onto what you are already covered for as standard.
Cover if you need to cancel your trip due to being asked to self-isolate.
Cover if you need to self-isolate during your trip after you test positive for COVID-19.
Cover for localised quarantine in case the hotel you have booked with is placed into compulsory quarantine.
Cover for missed departure from the UK due to a delayed COVID-19 test result.
Cover for disruption of your journey back into the UK, if the government change re=entrance requirements.
Cover for repatriation and medical expense for any claims that are linked to COVID-19 when the FCDO have advised against all but essential travel, and you have travelled against their advice.
The above cover is not covered as standard, if you would like to obtain this additional cover, you will need to purchase the COVID-19 Extension at the extension page of the quote.
Please use the address of the lead person on the policy.
The policy premium is more expensive as you get older, because the chances of you making a claim is a higher risk.
If you purchase your travel insurance on our website you will automatically get a 15% discount applied to the quote. Depending on what policy you purchase, families and couples also have a discounted quote
When you apply for a quotation on our website, there is a section on the quote journey for you to entre in your discount code. Once you have done this, the price will then be amended to reflect the discount.
Age limits are as follows: (please click the image below to read)
If you are getting a quote on our website, there will be a section of the quote process where you can enter the medical conditions for yourself and anyone named on the policy. If you would rather speak to someone, pleasecontact us.
We ask that you declare anything you are taking medication for, seeing a GP/consultant for, or anything that come under our ‘Have you ever’ questions, such as Cancer, Heart conditions, Diabetes etc. For more information, please feel free to contact us.
Single trip policies are only to cover you for the one trip that you have planned, a multi trip policy, also known as an annual policy, is covering you for unlimited trips within a 12 month period.
This will depend on how far you plan to travel, when you go through the quote process, you will enter your destination(s) and it will automatically select your group.
On our website, under ‘Help Centre’ there is a list of all of the countries that we cover, and what area they are covered in, you can also search specific destinations to make it easier for you. You can find the list here.
If you are having trouble selecting your destination, try refreshing the page. If that still does not work, you can contact our customer service team and they will be able to assist you
If you are not able to find our destination on our list, you can refine it by searching the specific country you are travelling to. We do have almost all countries on our list, the only countries that are missing are ones that the FCDO do not allow people to travel to.
All countries that are outside of Europe are covered under one of the Worldwide options, you can search the country you are travelling to on our website, located under ‘Help Centre’
We need this to calculate your BMI so that we can accurately screen your medical conditions and provide you the best possible medical cover.
A 121 screening occurs when the medical screening that we have gone through for you requires more indepth questions to be asked. This is sent over to our underwriting team who will then go through the screening with you on a 121 basis to confirm if we can offer cover.
Cruise cover is providing you cover against things such as, missed port, cabin confinement. If you cannot go on your shore excursions and if your formal cruise attire is lost, stolen or damaged. Also, most cruise providers will only let you on board with specialist cruise cover due to the amount it costs to get you off the ship in a medical emergency for example. For more information, please see our Cruise page
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If your river cruise involves a voyage of more than 3 days in total duration, with transportation and accommodation primarily on a river passenger ship, then you will be required to purchase the cruise extension.
Personal accident is when you suffer serious injuries or death due to an external accident that occurred during a trip.
Personal Liability refers to any event which you are legally liable to pay that relates to an incident caused directly or indirectly by you, and that results in:
• Injury, illness or disease of any person.
• Loss of, or damage to, property that does not belong to you or any member of your family and is neither in your charge or control nor under the charge or control of any member of your family.
• Loss of, or damage to, trip accommodation which does not belong to you or any member of your family.
Please note, there are some instances where we will not cover you for personal liability. Please see your policy wording for more information.
Force Majeure is cancellation due to War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military rising, insurrection, rebellion, revolution, military or usurped power, climatic conditions and acts of nature. This will match the amount they are covered for under general cancellation.
Repatriation is the process of returning a person to their country of origin. Under travel insurance policies this will usually be because an injury or illness means that the person must go home earlier or later than their original holiday departure date. Any necessary repatriation costs are covered under the Medical Emergency Expenses section of our policies. However. In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Unfortunately not, once you have purchased the policy will not be able to apply any discount codes, you can save the discount code for a future policy, or you can cancel your cover within the 14 day cooling off period and then re-quote yourself with the discount applied to the new quote.
We do not have a list of specific discount codes, however when you quote yourself on our website this automatically includes a 15% discount applied to your quote compared to calling in. We do provide a discount if it is someone’s birthday, or if you are renewing which will come to you via email as a previous customer. New customers should keep an eye on the website and our social channels for any discount codes throughout the year.
Yes, one of our terms and conditions states that you have to be resident in the UK, have been living here for the past 6 months and be registered with a UK GP
These will be covered covered under the Europe 1 destination grouping if travelling. In relation to purchasing a policy with us, yes we class Channel Islands as the UK and so you can purchase a policy with us.
These will be covered covered under the Europe 1 destination grouping if travelling. In relation to purchasing a policy with us, yes we class both the Isle of Man and Isle of Scilly as the UK and so you can purchase a policy with us.
We do not accept Paypal, we accept Visa and Mastercard
You can either log in to your Customer Area and proceed with payment that way or you can contact our customer service team and provide them with your quote number, they will ask you for your card details in order to make the payment for the policy. (Do not worry, we do not store any cards details on our system.
We take your Date of birth, rather than your age. Once you have entered your date of birth in the personal details section of the quote journey, it will automatically provide you with a price for quote, we require your date of birth to match your passports to avoid any confusion relating to data protection and claims.
This will depend on the circumstances for your child to be travelling alone, please contact our customer service team and they will be able to provide you with further information relating to the this.
No, all of our policies have terms and conditions stating that the trip must start and end in the UK, meaning if you are out of the UK and want a policy, we will not be able to provide you with an insurance policy.
Once you have provided all information during the quote journey, you will be provided with a quote reference number. If you wanted to go ahead with the quote you can provide your quote number and access all information that you have provided during the quote within your Customer Area. Please note: your quote will only be valid for 30 days.
The differences in policies, are mainly the cover that you are purchasing, the cover on our Emerald product will offer less cover than our Platinum product, the excess will also change depending on what level of cover you select. In order to compare the cover levels, please see our cover levels pages:
This means that we can give you as much information about the cover but we cannot tell you what the best policy is for you, this will need to be decided by yourself.
An excess is something in which you will need to pay in the event of a claim, different policies that we provide offer different excess levels, the excess only comes into play should you need to submit a claim.
This can be completed online using this form or by contacting the customer service team via the Contact Us page. The team will be happy to help you with your cancellation and process the relevant refund.
Yes, this can be completed online using this form or by contacting the customer service team via the Contact Us page. The team will be happy to help you with your cancellation and process the relevant refund.
Yes, providing you are not looking to submit a claim and have not travelled on the policy. The amount we can refund may differ depending on your policy, so please check your policy wording for confirmation.
No. If you decide the policy is not fit for purpose after purchasing, you have 14 days in which to cancel and obtain a full refund.
If the dates of your policy have elapsed and you have not travelled, we may ask for confirmation that you did not travel as well as confirming no claims have been made before we look to issue a refund.
For more information, please check your policy wording.
If you decide the policy is not fit for purpose after purchasing, you have 14 days in which to cancel and obtain a full refund.
After this time, the refund amount will change based on the amount of time left on the policy.
For more information you can check your policy wordings or check our terms and conditions page.
The choice is up to you. We can look to amend your policy which you can easily do online here or you can cancel the policy here and obtain a refund, relevant for the amount of time cover has been in place.
Please be aware, if you do decide to amend your policy dates, you may incur an additional premium
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Please contact us here and our customer service team will be happy to assist you.
The refund will go back on to the same card that the policy was originally purchased on. We will however require you to confirm the details as we do not retain this
.
If you have travelled on the policy, have claimed or are looking to submit a claim. We will not look to issue a refund under these circumstances as the policy has effectively been used
.
Yes, as long as the policy has not been travelled or claimed on, we do not need the reason for your choice to cancel. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
Yes, as long as the policy has not been travelled or claimed on, we do not need the reason for your choice to cancel. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
Yes, as long as the policy has not been travelled or claimed on, we do not need the reason for your choice to cancel. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
Yes, as long as the policy has not been travelled or claimed on, we do not need the reason for your choice to cancel. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
Yes, as long as the policy has not been travelled or claimed on, we do not need the reason for your choice to cancel. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
Yes, as long as the policy has not been travelled or claimed on. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
Yes, as long as the policy has not been travelled or claimed on, we do not need the reason for your choice to cancel. Please be aware, the refund terms will apply which you can find out more information about here. You can cancel your policy online using this form.
The allocated claim assessor. If they require further information, they will make direct contact with you.
Yes, up to 60 days, unless under exceptional circumstances.
Sometimes we may ask for additional information from yourself or a service provider which can take some time to obtain. If this does happen, the team will keep you up to date and set your expectations with time scales.
This will be dependent on the situation. If this is the case for you, we would suggest speaking with the claims team who will be able to advise you. They can be contacted here. It is worth noting that the claims customer service agents will not be able to advise if the claim will be paid or not, as this will only be confirmed once all information has been received and the assessor has assessed the claim.
Yes however, please be aware your policy may have exclusions in relation to this.
Please check your policy wording here or contact us here.
If in doubt, please feel free to submit your claim and one of our claims team will advise as to whether the claim will be successful or not as part of the assessing process.
Yes however, please be aware your policy may have exclusions in relation to this.
Please check your policy wording here or contact us here.
If in doubt, please feel free to submit your claim and one of our claims team will advise as to whether the claim will be successful or not as part of the assessing process.
Yes however, please be aware your policy may have exclusions in relation to this.
Please check your policy wording here or contact us here.
If in doubt, please feel free to submit your claim and one of our claims team will advise as to whether the claim will be successful or not as part of the assessing process.
Yes however, please be aware your policy may have exclusions in relation to this.
Please check your policy wording here or contact us here.
If in doubt, please feel free to submit your claim and one of our claims team will advise as to whether the claim will be successful or not as part of the assessing process.
Yes but they will be assessed as 2 separate claims and you will be given 2 reference numbers. For ease, we would suggest you keep them separate.
The claims team will be happy to assist. You can contact them via the contact us page.
Yes. Please be aware, we will only pay for the costs of the insured person on the policy, regardless of who paid.
For example, you are travelling with 4 other people who are all covered with other insurers, but you paid for the holiday. We would only assess the claim for your portion of the costs.
No, this is not covered under the policy. Any expenses required for travel will not be covered. For further clarification, please check your policy wording.
You can submit a claim while you are abroad however, we would suggest waiting until you return to the UK for ease.
If you do require assistance while abroad, please contact the emergency assistance team on 0333 005 1069.
It is likely this will not be covered under your policy – please check your policy wording.
Any changes by the airline provider will be the responsibility of them.
During the claim process, you will be asked for your BACS details. Please ensure these are correct when providing them to us.
Cancellation is when you have been unable to go on your trip at all – you have not left home for your trip. Curtailment means ending your trip early – you were not due to come home for a few days but have been forced to return early.
The claims team will be able to provide clarification if you are unsure – 0333 005 1068.
This can be found within your policy wordings
This depends on the type of cover that you have purchased as the excess will change depending on the policy. This will also apply to specific cover levels, if you purchase a higher policy, the cover levels will be different to those of a lower policy. In order to compare the cover levels, please see our cover levels pages:
We will only pay for the portion of costs of those insured with us, anyone else would need to claim through their own insurance provider.
No, this is not covered under the policy. Any expenses required for travel will not be covered.
Please check your policy wordings for what you are covered for.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
If you do not have a date on which you are looking to return home, we will need you to provide ‘proof of intent to return home’ This can include;
Please note that this policy is not intended to offer cover if you are emigrating.
If you are in any doubt, please contact our customer service team
No, we will only pay for your portion of costs, they would need to claim through their own insurance provider.
Yes we do. The amount covered will be dependent on the policy you have chosen. However, any losses arising due to debit or credit card fraud or any unauthorised use of such cards will not be covered. Please check your policy wordings for what you are covered for.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
No. Travel Insurance is designed to reimburse your for costs you are not able to recover elsewere and put you back in the same position as you were prior to travel.
Yes, providing you are able to give written confirmation to validate your circumstances
We will pay for the reasonable additional costs that have been unforeseen. For further information, please check your policy wordings for what you are covered for under your specific policy.
You should speak to your travel provider first – as if they have cancelled, it is their responsibility to offer you reimbursement or alternative travel arrangements. We would only consider a claim where you are unable to recover costs from elsewhere.
As you have been offered a monetary value/alternative travel arrangements, we will not consider your claim as travel insurance is for the occasions you are unable to recover your costs from elsewhere. If however, you do not want a voucher and this is all they are offering, please get this in writing and submit a claim which we can then assess for you.
This will depend upon the specific policy you have purchased. Please check your policy wording for more information. The claims team will also be able to inform you whether your policy does or does not provide this cover.
Yes. As long as the trip is at least 3 days/2 nights, your claim would be considered.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
No, but if you would prefer to speak to someone, the team can be contacted here.
We will automatically deduct any excess from the settlement . You claim may be above the limit of that section of the policy, therefore, we will not pay more than the policy limit.
You may also have claimed for expenses that are not covered under the policy. If you are unsure of your settlement, please contact the claims team here who will be happy to help.
You can type your name in the box. If you prefer, you can print, sign and scan back.
The online forms should allow you to type in the box. If you are still having trouble, we can send you a form in a different format. Please contact us in order for us to assist you further.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
As long as the claimant has given consent for this person to act on their behalf. Please contact us if you need any further assistance.
This is a letter or statement from the airline with a reference number, it may include details of the damaged bag which has been reported by yourself, we require this so that we can get in contact with the airline regarding the claim for baggage
Yes however, there will be specifications and exclusions of this which will be explained in your policy wording. The claims team will also be able to talk you through it if you would like. Please click here to find our contact us page.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
Your policy covers you to come home early because you are ill, only if medical treatment is not available locally. If you are thinking of cutting short your trip because you are not well then you must contact our medical assistance service for advice first.
If you need to come home for any other reason, such as the illness of a close relative in the UK then you should make your own arrangements, bearing in mind your duty to act at all times as if uninsured.
If you are not sure whether your particular circumstances are included in the cover then contact the claims team between Monday and Friday 9am – 5pm (Excluding Bank Holidays) If you have any further questions regarding our emergency assistance team please feel free to contact us.
Yes. The excess is deducted per person, per claim.
For up to date contact information, please check our Complaints Page.
Your next formal steps following the complaint is to contact the Financial Ombudsman Service. We will provide details on how to escalate further if you do remain dissatisfied. within our final response and this can also be found in your policy wordings.
The formal written response to your complaint, outlining the investigation conducted by the team and their findings.
Please make sure you are using the email address you used to register your account.
If you continue to have problems, please contact us here.
All policies and quotes will be shown in the Customer Area as long as the email address matches.
If you cannot see anything, please contact us here.
You can amend almost any personal information on our customer area.
If you are wanting to amend your email address or any medical information, please contact us here.
You will need to contact us to amend the email address you have used to register your account.
You can contact us here.
If you are having problems registering for an account, please contact us here and we can help you further.
There is no maximum character limit when creating your password, but we do have a minimum of 6 characters.
You will need to contact us to amend the email address you have used to register your account.
You can contact us here.
You can register very easily on our website by clicking here.
You will need to contact us to delete your account.
You can contact us here.
Please check your junk and spam folders first as this is a common issue.
You can also request a resend of the registration email here.
A good way to make sure that it is the correct email address, is by checking your email and seeing if you have received any emails from us relating to your account on the customer area. Alternatively, you can contact us here.
Simply head to this page to get a new link.
If you are not able to log in, make sure your email is correct, if you still cannot log in, try and re-set your password. If all else fails, please contact us here.
Please ensure that the email addresses match. If they do, try and refresh the page as it may take a couple of minutes to show up.
If after an hour you are still unable to see your new policy, please do contact us.
If you have already registered it won’t let you re-register so please select ‘Forgotten password’
If you still have problems please contact us here.
As we cannot see the error, please contact us here so we can help you further.
The email would have been sent prior to your birthday, for terms and conditions, please see the email sent to you.
At the bottom of the emails that we send you, there will be a link that you can click on which takes you to the relevant page to unsubscribe, and stop you from receiving future communications.
You can change any information that you have submitted on our customer area, by simply logging in and amending any details that require to be amended. If you need to change any medical information, please call our customer service team who can help you get this changed.
You can do this by clicking here. Please be aware that if your duration is longer, this may incur an additional charge.
A Single Article Limit refers to the monetary cap which limits the amount you can claim for an individual item. E.g. you may have personal possessions cover of up to £1000, with a single article limit of £250. This would mean that the most you could claim for a single possession would be up to £250, but, if you lost multiple items (capped in value at £250) the most you could claim is up to the value of £1000.
If you change your mind about the cover that you have purchased, you have 14 days to contact us, this means that within the 14 day cooling off period you can get a full refund for the premium that you have paid for the insurance.
We define this in our wordings as: Your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.
We define a couple as a policyholder and spouse or partner, who have been living together as a couple at the same address for at least 6 months.
We define a family as a policyholder and spouse or partner, who have been living together as a couple for at least six months, plus their dependent children who are living at home aged 0-17 years on the date of purchase. Any dependent aged 18 or over will be considered an adult and will need an individual policy.
We are currently unable to offer Motorcycle policies, however, keep your eyes peeled in the new year!
We are always looking at our products and ensuring we are offering you the best cover we can. Although we no longer offer a specific UK policy, all of our policies offer cover for the UK as long as you are travelling for at least 2 nights. If you are wanting to cover your UK trip, please select Europe 1 when choosing your destination. If you are getting an Annual Multi Trip policy, any destination group you choose will automatically cover UK trips.
We are constantly changing and improving our products and our offerings to you as the customer. We now offer cover for over 150 activities as standard on every policy! You can see what is covered here.
We are constantly changing and improving our products and our offerings to you as the customer. You can see which destination grouping the country you are travelling to comes under here.
We are constantly looking at our products in order to improve them for you and we have decided that rather than an extension, to create a Winter Sports policy! For more information, please click here.
Yes, you can add people to your policy. There may however be an additional premium to pay for the addition. To make this change, please log into your Customer Area or contact our Customer Service team.
Yes of course! If you are going through the quote process the journey will automatically prompt you to do this.
If you have already purchased, please contact our Customer Service team who can help you further with this.
If you have received your documents be sure to check your spam and junk folder as they can go into there sometimes, if they have not turned up, you can log into our customer area and get your documents resent
We advise that you take your policy documents with you, this will include your policy wordings,
We do not currently have a downloadable app. However, you can log onto our website where we have a very user friendly Customer Area where you can see a range of things from your previous policies to your quotes, amend any personal information.
Please contact our Customer Service Team who can help your further.
At the moment, the GP app is unavailable. As and when this changes, we will let you know.
If you have a medical emergency, please contact our Assistance team on +44 (0) 333 005 1069, the team is available 24 hours a day, every day of the year.
We do not need to know when you plan to travel, provided you are travelling within the geographical area of your policy, and you are not travelling against the advice of the FCDO
The will depend on the type of policy you have for more information, please contact our Customer Service team.
You can find all of our Policy Wordings here.
Unfortunately, this is not something we currently offer. The premium would need to be paid in full when purchasing your policy to ensure you are covered.
For instructions and the terms and conditions when using our ‘Refer-a-friend’ scheme, please click here.
The ‘tourist trap’ refers to certain privately owned medical clinics around the world who seek to ‘trap’ tourists by inflating medical bills in the hope of getting paid by the tourist or their travel insurance. These clinics usually pay taxi drivers, hotels and hostels to send any injured tourists to their clinics, they then charge extortionate rates without providing appropriate care for their patients. To protect yourself against falling into the trap, always make sure you visit a state facility, and under no circumstances should you ever give your credit card details or surrender your passport to anyone – please give our assistance team a call if you ever need any medical treatment and they can help you find the best facility for you.
The EHIC/GHIC cards provides cover if you need medical treatment or assistance abroad within a state facility, since Brexit, some changes are that certain countries no longer accept this – so please check before travelling.
The EHIC/GHIC card will not cover you for any other reason. If you needed to cancel your trip, or come home early, or even if you were to lose your belongings, you would not be covered unless you have travel insurance.
Please visit our Insurers page for more information.
Please visit our Insurers page for more information.
Our call centres are based in Kings Hill, Kent as well as in Mumbai, India.
You can retrieve your quote within our Customer Area, you will need to log in with your email address and password you provided when creating your account.
We cannot provide Annual Multi Trip policies any longer one month in advance, alternatively if it is just the one trip that you have lined up, you can purchase a single trip policy to cover your holiday.
Yes, If you purchase a single trip travel insurance, the cover for cancellation starts at the point of purchase and continues until the end of your trip.
If you purchase a multi trip policy, the cover for cancellation does not begin until the start date of the policy.
Unfortunately, this is not something we are able to do but if you are having trouble contacting us by phone, you can try our live chat facility to get through to a member of our team. You can find all information to contact us here.
We do apologies for the length of hold time, we regularly experience high call volumes. If you are not able to get through, please go onto our ‘Contact Us‘ page where you can fill in a form for someone to contact you, or you can use our live chat facility to get in touch with a member of our customer service team
No, we do have a live chat option for you which you can find on our Contact Us page.
We are sorry to hear of your loss. If someone on the policy has passed away, you will need to contact a member of our customer service team who can help you further.
An ‘Act of God’ is used to describe a natural disaster such as volcanic eruptions.
We don’t have a freephone number, all numbers will be charged at your local rate and can be found here.
IPT means Insurance Premium Tax
Premiums are calculated based on many factors including the age of the travellers named on the policy, the destination, type of insurance policy, the duration of the trip and any medical conditions or extensions on the policy.
An IPID is an “insurance product information document”. It is designed to clearly display in a standardised format the key features of your insurance product so that you can see what you are covered for, and what you are not covered for.
Since the introduction of the EU’s Insurance Distribution Directive (IDD) all Insurance providers have been legally required to provide IPID’s to customers prior to them making a purchase.
We are underwritten by Collinson Insurance Services Ltd.
If you purchased a policy on our website and you are unsure if the payment has gone through, the website will tell you if it was successful or if it was declined, if payment was successful you will be emailed with your policy documentation.
Cookies are text files with small pieces of data, for example a username and password, they are used to identify your computer as you use a computer network. Specific cookies known as HTTP cookies are used to identify specific users and improve your web browsing experience
You do not need to declare learning disabilities as a medical condition, but you may need to declare any medical conditions that may come as a result of that. If you are in any doubt, please feel free to contact us.
No, deafness is not a medical condition and will not need to be mentioned.
Mental health conditions will need to be declared on the policy, this is to ensure that we are providing you with the correct cover.
Pregnancy is not a medical condition, so you do not need to declare it, however, if you have any medical conditions that are related to pregnancy, these will need to be declared. Pregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births) and a medical practitioner or midwife confirms that you are fit to travel. If you are confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip, (24 weeks for multiple births), you can make a claim under “Cancelling Your Trip” provided you purchased this policy/booked a trip before you were aware you would not be able to travel.
If you have had cancer, and have had the all clear, even if over 5 years ago, this will still need to be declared on your travel insurance policy.
Yes, any heart condition that you have had, even if over 5 years ago, this will need to be mentioned, we require all information relating to heart conditions regardless of time.
If your health changes, you will need to contact our customer service team, they will be able to amend your policy to have the correct conditions.
No, unfortunately not. Our policies provide cover for emergency medical expenses during your trip, and as cosmetic surgery is seen as elective (instead of emergency) it is not covered under our policies.
Many medicines have at least 2 different names:
– the brand name – created by the pharmaceutical company that made the medicine
– the generic name – the name of the active ingredient in the medicine
Please try both. If you are still unable to find it, please do contact us and we will help you further.
If you cannot find your medical condition on our list, try typing just the first few letters of the conditions, alternatively, you can contact our customer service team who can assist you
If you need to see a doctor whilst on holiday, do not hesitate to do so, there may be a charge for this, however if you are in Europe and have a EHIC/GHIC card this means that you should not have to pay an additional cost.
You can contact our assistance team on +44 (0) 333 005 1069, the team is available 24 hours a day, every day of the year.
Don’t worry, provided you have contacted our medical assistance service your policy will be automatically extended to cover you until it is agreed that you are fit to travel, they will make appropriate alternative arrangements.
You are not able to go back on the medical screening section, however you are able to edit what you have answered if you do make any mistakes. The best thing to do is carry on, save your quote and then contact us with your quote number and we can then amend your answer.</ p>
You will need to declare the medical condition or reason for you being on clincal trial, our medical questionnaire will advise you if we are able to provide you cover
Medical reports are only required if you are admitted to hospital for treatment and our emergency assistance team require medical reports from the hospital. We will always advise if we were to need one and the reasoning why.
Fit to fly certificates are only required if you are travelling whilst pregnant or you have a medical condition that may worsen whilst flying. You will need to contact your airline to see if this is something you will need. We do not require this from you.
The EHIC/GHIC card allows you to have treatment in state run hospitals as well as GP treatment for countries in the EU, this can include treatment for pre-existing medical conditions as well as maternity care. Please do double check on the government’s website as to where this will cover you.
At Insurancewith we understand that everyone is different, and shouldn’t be labelled or pigeonholed just because they have a certain condition.
That is why we use the specialist Protectif Medical Risk Rating on our policies. Protectif has been created to capture more detail about a customer’s individual circumstances and condition, allowing it to more accurately assess the risks and offer a fairer price.
The system works by asking you to list your prescribed medication and then the conditions they are linked to, which ensures nothing is accidentally forgotten, and also helps treating doctors if you are taken ill or injured abroad.
Travel Insurance is not Private medical insurance; we cover treatment which cannot wait until you return home from your trip, with the aim of ensuring you are well enough to return to the UK, which may include cutting your trip short, or to continue your trip as planned.
Post purchase is a change in health or medication to anyone insured on the policy, if someone is diagnosed with a new medical condition you will need to advise us of this and we can update your travel insurance policy.
It is important that you disclose all medication that you are prescribed as your travel insurance needs to match your medical history. This is to avoid any claims being denied relating to a medical emergency, or medication related.
Following the renewal email received, you can either contact us here or simply complete the renewal online via the retrieve a quote page – all you’ll need is the quote number and your email address.
Yes, you can renew your policy up to 31 days in advance of the expiry date of your current policy.
Yes, any changes required for the policy can be made within Customer Area. This includes people named on the policy, contact details, destination, cover levels and any extensions you may want to add or remove. The only section of the policy you would need to call us about is your medical information, you can do this on 0333 005 1066.
If you cannot access your renewal quote, you can log into our Customer Area and retrieve your quote there, alternatively you can contact us here and we will be happy to help.
If you are looking to proceed with your quote, there will be a ‘proceed with payment’ section in the Customer Area, if you cannot proceed with the payment on our website you can contact us here and we will be happy to help.
Yes. Your renewal quote lasts for 30 days. If you are outside of this, you will still be able to get a new policy, but please be aware the price may change.
Any changes to your quote can be made either via your Customer Area as part of the renewal process or by contacting the customer service team on 0333 005 1066 who will be happy to assist.
Please contact our customer service team on 0333 005 1066 . They will talk you through the process and make any necessary amendments.
No, your renewal quote lasts for 30 days. If you are outside of this, you will still be able to get a new policy, but please be aware the price may change.
Yes, any changes required for the policy can be made within Customer Area. This includes people named on the policy, contact details, destination, cover levels and any extensions you may want to add or remove. The only section of the policy you would need to call us about is your medical information, you can do this on 0333 005 1066.
Yes. Please ensure to read through the quote first to ensure there are no changes required. If you are unsure, the customer service team will be happy to assist by contacting us here.
When increasing the premiums of our products, research is carried out to ensure that we are still competitive within the market of travel insurance, comparing the product with others on the market that have very similar/same level of cover. This is a company wide increase and all Insurancewith policies have been affected. Also, please remember that we take into account varying risk factors to provide your price. This includes age, destination, duration, medical and any extensions on the policy. If you have any further queries about this, please do not hesitate to contact us
Yes. All you need is the quote number and your email address to access the quote online here.
Yes however, we may exclude the investigations from cover. Once the results have been received, please get back in touch with the team to update the policy accordingly. Please be aware, this may result in a change of the policy terms – if this is is the case, this will be explained to you.
No. No monies will ever be taken without your consent. We do not retain any payment details for our customers.
The policy does not automatically renew. If you receive the renewal email and decide you do not wish to proceed, you can simply disregard this email. Your policy will not automatically renewal and no monies will be taken without your consent.
A renewal reminder will be emailed to you 30 days before your policy is due to expire. If you do not receive one after this time, please contact us and we can look into this further for you.
Yes please take a look at our Coronavirus page for more information as to what we cover as standard on our policies and what we cover under our additional COVID-19 extension.
This may be to due to changes having been made to the policy. We offer a returning customer discount on our renewal policies too which may not appear on the website. The customer service team will be happy to discuss this with you by contacting them here.
Your documents can be accessed via the customer area. You will need your policy number and email address that is linked with the policy. The customer service team can also send your documents to you, they can be contacted here.
Our friendly customer service team will be happy to assist and answer your queries. They can be contacted via the contact us page.
Yes, any changes required for the policy can be made within Customer Area. This includes people named on the policy, contact details, destination, cover levels and any extensions you may want to add or remove. The only section of the policy you would need to call us about is your medical information, you can do this on 0333 005 1066.
Yes, any changes required for the policy can be made within Customer Area. This includes people named on the policy, contact details, destination, cover levels and any extensions you may want to add or remove. The only section of the policy you would need to call us about is your medical information, you can do this on 0333 005 1066.
You can pay by credit or debit card, either online or via the customer service team. Please be aware, the team cannot take payments if you request this via email.
We do not commonly call customers when their renewal is due, instead we send you an email with full information on how to proceed. You can access this information via your Customer Area or you can contact us and we will be happy to help.
Yes, your quote can also be accessed via the customer area here, but if you need further assistance, please do not hesitate to contact us.
An automatic 15% returning customer discount is applied to renewal policies and the price quoted on your renewal has this discount applied. Unfortunately, we can not add more than one discount code.
Your quote can be amended online in your customer area or via the customer service team. Please have your policy/quote reference to hand.
This is an automated email. If you have already renewed, this can be disregarded. No monies will be taken.
Yes, once you have purchased the policy you have a 14 day cooling off period which allows you to get a full refund if you cancel within 14 days of purchase, if does not apply to quotes as no money has been taken at that point.
No. If a declared condition has been excluded from cover, this means the insurer will not provide cover for any claims relating directly or indirectly to that condition.
No. However, if you do find yourself in a situation abroad where you require medical assistance, please contact the Emergency Assistance Team as soon as you can and they will be able to advise you on the best place for treatment.
The Emergency Assistance Team can be reached 24 hours a day, 7 days a week on 0333 005 1069.
Often the best doctors, treatment and optimal care are found in the regulated state and public hospitals and medical facilities no matter where you are in the world.
They might not always look as nice as some private facilities, but we have seen numerous good clinical outcomes which don’t come with the risk of immoral and dangerous practices, extortion, over treatment, detainment and withdrawal of treatment which we have seen happen in some private facilities all over the world.
Please take a look at our Coronavirus page for more information as to what we cover as standard on our policies and what we cover under our additional COVID-19 extension.
Pregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births) and a medical practitioner or midwife confirms that you are fit to travel. If you are confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip, (24 weeks for multiple births), you can make a claim under “Cancelling Your Trip” provided you purchased this policy/booked a trip before you were aware you would not be able to travel.
Yes, you are covered for some sports and activities. The full list of what is covered as standard can be found in your policy wording or on the Activity page.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
No, this is not something that we will provide cover for.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
This is dependent on your policy. If you have a single trip, you are covered for travel between the dates specified. If you have an annual multi-trip policy, you are covered to travel up to 31 days per trip – there may be an extension where you can upgrade this to longer.
Something that is known to you prior to travel. You either were aware of the situation or it is advertised in the media, making you aware prior to travel.
This will be dependent on the policy you have chosen. Please check your policy wordings for what you are covered for.
