Product Information

1. When does my coverage begin? When does it end? Single Trip: 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: Cancellation cover will begin from the chosen policy start date (no more than 3 months in advance of 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. Can I remove ‘Baggage’ cover? Our Annual Multi and Single Trip policies are available without baggage cover as many people already have this protection under home contents insurance. You should check your household policy to determine if suitable cover will be in place for the duration of your trip.

3. What happens if I’m the victim of a terrorist attack whilst abroad? Our policy provides cover under the Medical Emergency and Repatriation & Personal Accident sections in the unfortunate event of a terrorist act. Claims associated with terrorism under on any other section of the policy are excluded.

4. Do you offer cover if I am pregnant? ( The answers to this will be changing at the end of the year due to new regulation) Our policies exclude all claims arising from pregnancy within 8 weeks of the estimated date of delivery (or 16 weeks in the case of a known multiple pregnancy). Otherwise, claims arising from unexpected complications of pregnancy will be covered.

5. Does my policy cover repatriation? Yes, repatriation cover is provided as part of the £10,000,000 medical 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 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".

9. What country should I select if I’m going on a cruise? Please refer to the Geographical Areas section of the policy wording; if you are travelling to a destination not listed under Area 1 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 'Important Notes' section of our 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 must be purchased before you leave the UK Area.

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 travel to.

13.I have a Couple Annual Multi 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 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 28 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.