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Product Information

  1. When does my coverage begin? When does it end?

    Trip Travel, Young Traveller, Long Stay: 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.

    Year Round : Cancellation cover will begin from the chosen policy start date (no more than 3 months after 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. What happens if I’m the victim of a terrorist attack whilst abroad?

    Our policy provides cover under the emergency medical and other expenses, hospital benefit and personal accident sections in the unfortunate event of a terrorist act. Claims associated with terrorism under any other section of the policy are excluded.

  3. Do you offer cover if I am pregnant?

    Our policies provide cover for unforeseen injury, illness, disease or complications as a direct result of pregnancy.

  4. Does my policy cover repatriation?

    Yes, repatriation cover is provided as part of the emergency medical and other 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.

  5. Will we be covered if we travel independently on our Year Round policy?

    Our Year Round policies allow all named insured persons to be covered when travelling independently of each other.

  6. Can I purchase a policy for my child only?

    Yes, cover can be purchased for child only policies.

  7. 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 cover.

  8. What country should I select if I’m going on a cruise?

    Please refer to the geographical area definition detailed in the policy wording, if you are travelling to a destination not listed under Europe you must choose the appropriate worldwide destination as specified in our terms and conditions.

  9. Do you have any age limits?

    Our policies have age restrictions applicable, please refer to the policy wordings for clarification of our age limits.

  10. Can you arrange travel insurance for someone who is not travelling from the UK?

    Our policies are available to you if you are permanently resident in the United Kingdom, Channel Islands or BFPO address and have been for the past six months prior to the date of issue, and registered with a medical practitioner in the United Kingdom. Trips must commence and end in your country of residence.

  11. 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 can travel to, providing you have paid for the correct geographical area.

  12. I have a couple Year Round policy - will my partner and I still be covered if we go on separate holidays?

    Our Year Round policies allow all named insured persons to be insured when travelling independently of each other.

  13. I have a family Year Round policy - will my children be covered if they go on a holiday with their school?

    Our Year Round policies allow all named insured persons to be insured when travelling independently of each other.

  14. 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 21 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.

  15. Can I be covered whilst working during my trip?

    Our policies cover non-manual work including bars, restaurants and other non-hazardous work (e.g. office and managerial work).

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Accepted conditions

The following medical conditions are automatically covered and you do not need to tell us about them, as long as you:
  1. have no other pre-existing medical conditions which are not listed below
  2. are not awaiting surgery for the condition
  3. have been fully discharged from any post-operative follow-up
Please click here to read the Special Terms

Special Terms

In addition to any Medical Condition on the list above, you may be automatically accepted for cover, provided You do not have more than ONE of the following Medical Conditions or ANY other Pre-existing Medical Condition.

Arthritis (Arthromyalgia, Joint Pains, Juvenile Arthritis, Osteoarthritis, Psoriatic Arthritis, Reiter's Syndrome, Rheumatism, Rheumatoid Arthritis, Still's Disease, Synovial Inflammation):
 • There must have been NO hospital admissions within the last 12 months.
 • No more than 2 medications.
 • No mobility aids (other than walking stick or frame).
 • Must NOT be awaiting surgery.
 • Must have NO lung problems.

Down's Syndrome:
 • There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities)

Hypercholesterolaemia (High Cholesterol):
 • No more than 1 medication.
 • Must NOT be the inherited form.
 • Must have been a non-smoker for at least 12 months.

Hypotension (Low Blood Pressure):
 • Must NOT be associated with any underlying condition.

Osteoporosis (Osteopaenia, Fragile Bones, Thinning Bones):
 • There must have been NO vertebral (backbone) fractures

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