Travel insurance FAQs

You have the option to add winter sports cover to your quote or policy for an additional premium:

Single trip cover: You'll be covered throughout the duration of your trip.

Annual multi-trip cover: You'll be covered for up to a total of 31 days within the period that your policy runs. So, if you have taken out winter sports cover two months after having started your annual multi-trip cover you'll have 31 days' cover for the remaining 10 months.

Cover limits and exclusions apply so for further information please see our policy booklet or the optional covers terms and conditions booklet.

If you're a new customer you can add winter sports cover to your quote in the "Optional policy covers" section on the "Your quote" page.

If you have an existing policy and have not started your trip but would like to add winter sports cover please call us on 0345 266 9259

We cover cruises as standard under our travel insurance. Read our policy booklet for full details of what's covered and what's not covered.

For single trips that include visiting multiple destinations, you can select these from the destination list when getting a quote.

You can add business cover to your quote or policy for an additional premium. It will cover you if you are working in an office while you’re away:

Single trip cover: You’ll be covered throughout the duration of your trip

Annual multi-trip cover: You’ll be covered up to a maximum of five trips within the period that your policy runs

There is no cover for manual work or physical labour of any kind, or for work that involves dealing with members of the public, or tasks other than office work.

Cover limits and exclusions apply so for further information please see our policy booklet.

If you're a new customer you can add business cover to your quote in the "Optional policy covers" section on the "Your quote" page.

If you have an existing policy and have not started your trip but would like to add business cover please call us on 0345 266 9259.

If you live in England, Scotland, Wales, Northern Ireland, Jersey or Isle of Man and are on a trip to Jersey or the Isle of Man we will not cover you for any costs incurred relating to emergency medical treatment during the trip as this is covered by the local health authority e.g. NHS.

We will, however, pay up to £2,000 per person to get you home if you cannot use your return ticket.

If you are travelling from one of these countries to one of the other Channel Islands e.g. Guernsey, Alderney etc, then you will be covered for any emergency medical treatment costs.

Travel Disruption cover provides up to £5,000 per person for cancellation or abandonment cover if you cannot travel or continue your trip for one of the following reasons:

• Strike or industrial action
• Severe snowfall
• The Foreign, Commonwealth and Development Office (FCDO) advises against travel
• Food poisoning, pandemic or catastrophic damage directly affects your holiday accommodation

It also provides a benefit of up to £250 per person if the transport services on which you are booked to travel outside the UK are delayed or cancelled.

For further information please see the travel disruption section in the optional covers terms and conditions.

If you're a new customer you can add Travel Disruption Cover to your quote in the "Your quote" page.

If you have an existing policy and have not started your trip but would like to add Travel Disruption Cover please call us on 0345 266 9259.

You are covered up to £5,000 if you need to cancel or abandon your trip due to:

• Serious illness or death of anyone covered by the policy or a close relative
• Jury service
• Redundancy
• Serious damage to your home
• Burglary

Cover limits and exclusions apply so for further information please see our policy booklet.

Baggage cover will cover you for loss, theft or accidental damage of your belongings up to £1,500 in total per person, with a single article limit of £400 and total valuables limit of £400.

For further information please see the optional covers terms and conditions.

If you're a new customer you can add baggage cover to your quote in the "Optional policy covers" section on the "Your quote" page.

If you have an existing policy and would like to add baggage cover please call us on 0345 266 9259.

The following countries are included under our definition of "Europe":

Albania, Algeria, Andorra, Austria, Azores, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland (Eire), Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia (West of the Ural Mountains), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey and Ukraine.

There are no specific exclusions on our policy during pregnancy, however you must ensure that you are not travelling against doctors advice.

Provided you are not travelling against your doctor’s advice, if you were to suffer any pregnancy related complications requiring emergency medical treatment during your trip, any resultant claim would be considered.

We may be able to provide cover for pre-existing medical conditions.

If you are a new customer please provide details during the online quote.

If you have an existing policy and need to tell us about a medical condition please call us when you receive your renewal invite on 0345 266 9259

We can provide single trip travel insurance for new customers under 80 years of age and annual travel insurance for new customers under 75 years of age

If you want single trip travel insurance and you are aged 80 or over or want annual travel insurance and are aged 75 or over, you should contact our business partner - All Clear Travel Insurance Services - on 01708 339028 for a quote.

The excess varies depending on the specific policy and the type of claim, however depending on the type of claim there may not be any excess applied.

The excess amounts will be shown on your policy schedule.

For further information about excesses and cover limits please read our summary of cover limits.

If you already hold a UK-issued EHIC, this will be valid until the expiry date.

Once your EHIC has expired, you’ll be able to replace it with a Global Health insurance Card (GHIC) which gives you access to free or reduced cost state-provided healthcare if you need medical treatment during a temporary visit to the EU.

With the GHIC, you can access treatment at the same cost that residents in that country pay. But it’s important to remember that some country’s state healthcare isn’t free so you may need to pay towards your treatment. If you have valid travel insurance, you may be able to claim back this cost from your insurer.

Having a valid EHIC/GHIC doesn’t affect the cover you get through your travel insurance.

To apply for a GHIC, you should visit the NHS website and search for GHIC.

A GHIC is free so don’t trust unofficial websites which charge you to apply for one.