Travel insurance
If the unexpected trips you up, we’ll be there to catch youFootnote 1
What is travel insurance?
Travel insurance is there to help protect you while you’re away from home, and our travel cover can help you with all kinds of problems and quandaries, from urgent medical assistance to replacing a lost passport.
How we travel is as unique and individual as our fingerprints. Some people plan precisely and some float free, some pack lightly, while others carry enough to furnish a small palace. There’s no right way and no wrong way – just your way. But, whichever way you travel, there’s always the risk of something unexpected trying to trip you up. When you’re covered, we can be there to help you back on your feet.
It’s important to remember that travel insurance doesn’t cover you for any event, incident, or circumstance that you knew about – or could reasonably be expected to have known about – when you bought your policy or booked your trip (whichever is later). It’s there to back you up when life throws something unexpected your way.
Get started by choosing from Annual Multi Trip cover or Single Trip cover and add any upgrades like baggage or travel disruption cover.
Benefits of travel insurance
-
Health comes first
Feel secure in the knowledge that you’re covered by up to £10 million per person of emergency medical treatment
-
View your policy on the move
Your policy is at your fingertips, access your plan or make a claim at anytime with our MyAviva app
-
Keep everyone covered
Get protection for the whole gang by adding up to eight friends or family members to your policy
Please see What does our travel insurance cover? or policy document for further details on what is and isn’t covered.
Why should I choose travel insurance?
Like all insurance, travel insurance offers peace of mind in case something unexpected or unforeseen happens.
Having an accident, losing your passport or being delayed can be expensive and tricky to deal with if you’re abroad. You might need legal help too, such as if you’re injured during your trip and it wasn’t your fault. Even if you simply fall ill while you’re away, it’s reassuring to know that we cover emergency medical and dental treatment.
You might already have travel cover, for example, it’s included with some credit cards and current accounts. But before you travel, check exactly what’s covered. Does it cover the places you’re going and activities you’ll be doing?
Some cover is optional, like cover for your belongings or for travel disruption, so make sure that you have the cover that you need when making travel plans.
What our travel insurance doesn’t cover you for is anyevent, incident or circumstance that you knew about – or could reasonably be expected to know about – when you purchased your policy or booked your trip (whichever is later).
Your cover options
Annual multi trip travel insurance
Get cover for up to 31 days abroad per trip, for travellers aged up to 74. If you’re planning to be away longer, you can pay extra to extend your cover to 45, 60, or 90 days.
Trips in the UK are covered too – as long as you’ve pre-booked accommodation for at least two consecutive nights.
Single trip travel insurance
Get cover for up to 120 days abroad, for travellers aged up to 79.
Your UK trips are covered too – as long as you’ve pre-booked accommodation for at least two consecutive nights.
What does our travel insurance cover?
What’s covered
Both single trip and annual multi trip insurance offer standard cover. This is what you’re covered for, per person per trip, if you haven’t taken out any optional extras.
Up to £10 million for emergency medical expenses outside the UK:
If you have to cancel your trip or come home early, we’ll cover unrecoverable travel and accommodation costs up to £5,000 per person (Conditions apply) due to:
Cover for your travel documents and money:
Take a look at the policy document for full details of what's covered.
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
Take a look at our policy wording for full details of what's not covered.
Important documents
Travelling with medical conditions
What we need to know about your health
It’s really important that you let us know about any existing medical conditions – otherwise we might not be able to pay out for claims relating to them.
Medical treatment abroad can be very expensive, so if you travel without cover for existing medical conditions, this could have serious financial implications for you if treatment is needed for these while you’re on a trip. It could also mean that if you’re ill before you travel, we may not pay a claim for cancelling the trip for any insured person.
We need to know if you, or anyone covered by your policy, has had an illness, injury, or disease in the 12 months before buying or renewing your cover, where they’ve:
- Been prescribed medicine, including newly prescribed or repeat medication
- Been received or is awaiting medical treatment, tests or investigations
- Been admitted to hospital or had surgery
- Been referred to, or in the care of a specialist
Discover more info about what we need to know by reading through the Your Health section of our policy wording.
If you have symptoms that haven’t been diagnosed yet, you may need to wait for a diagnosis before you can get cover.
Existing medical conditions
If we can cover an existing medical condition, we will – and this will be reflected in what you pay. If we can’t – or if we can but you’re not satisfied with the price – you might be able to get cover from a specialist medical insurer instead.
The UK government lists these specialist insurers for you to check out on MoneyHelper.
Or you can call 0800 138 1777
If we can't provide you cover, we work with a specialist travel insurance provider, All Clear, who may be able to cover you. You can contact them on 0800 848 8693 or head to their website.
Optional cover
You can enhance your travel insurance to cover the specifics of your trip by choosing from our optional extras.
Travel disruption cover
Make sure you’re covered for cancellations and delays – even if the FCDO advise against travelling , within 31 days prior to departure, or whilst you are away.
Cover applies if you purchase the optional travel disruption cover, and travel restrictions were not in place when you purchased this cover or booked your trip (whichever is later) and were not in place when you travelled. There is no cover for any claim if you travel against FCDO advice.
Making a claim
If something happens, we’re here for you. You can get our attention online or give us a call – whichever’s easier for you.
Before you start your claim, remember that your policy covers you for costs that are unrecoverable from your travel agent, accommodation provider, credit or debit card company, PAYPAL, or organisations like ABTA and ATOL.
Frequently asked questions
Does my travel insurance cover a cancelled flight?
Does my travel insurance cover strikes?
Am I covered if I miss my flight because of delays at or by the airport?
Contact us
We’re always here to support you, with emergency lines open 24/7.
Or choose the number that best fits your circumstances and give us a ring.
Medical emergencies abroad
0044 1603 208 044
Open: 24 hours a day
Non-emergency travel claims abroad
0044 1603 603 716
Monday - Friday: 8:00am - 6:00pm
Saturday: 8:00am - 4:00pm
Sunday: Closed
Non-emergency travel claims in the UK
0345 030 6983
Monday to Friday: 8:00am - 6:00pm
Saturday: 8:00am - 4:00pm
Sunday: Closed
Travel assistant
01603 208 045
Open: 24 hours a day
Legal expenses claims and advice
0044 1603 208 244
Open: 24 hours a day
Calls to 0800 numbers are free from UK landlines and mobiles.
Numbers beginning 01 are charged at national call rates and are usually included in inclusive minute call plans from landlines and mobiles, although charges may vary depending on your network provider. To protect us all, calls may be recorded and monitored.
Travel insurance knowledge centre
Discover essential tips and insights by exploring our travel insurance articles to ensure your next adventure is safe and worry-free.
