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How am I covered

Everything related to insurance

My doctor told me that it would be unwise to travel abroad. Does this invalidate my policy?

Our policy will not cover you if you travel against medical advice. If you are unable to travel then you may be entitled to submit a claim for cancellation.

A member of my family (not travelling) has an existing medical condition; am I covered to cancel or return home?

Subject to certain policy terms and conditions, cover may be provided. Please refer to the important conditions relating to health detailed within the policy wording.

I have an existing medical condition; can I still have cover under this policy?

Cover may still be offered but this is subject to you declaring your medical condition/s through our screening service Healthcheck247. This can be integrated within your quotation or please visit www.Healthcheck247.com and follow the simple online instructions.

What type of medical condition do I need to declare?

Please refer to the important conditions relating to health section detailed on pages 5 and 6 of the policy wording. You or any other person insured by us will not be covered for any medical condition(s) if you have not declared them to our medical screening service and we have not agreed to cover them. You will also not be covered for anything that arises from, or is in any way related to, or has been triggered or caused by a medical condition(s), unless you have told us about the condition(s) and we have agreed to cover them or the medical condition(s) are on the accepted conditions list and meet all the necessary criteria detailed in the policy wording.

When should I start my annual travel insurance policy?

If you have already made your travel plans we would recommend that your annual policy commences with immediate effect in order for you to start benefiting from cancellation cover. If you are still planning your trip, our annual policies can be purchased up to 3 months in advance, cancellation cover will provided from the specified commencement date.

Where can I obtain a copy of the Policy details / policy wording?

You can find a copy of Policy details / Policy wording on our website on the results page and again on the payment page

My eldest child will turn 18 whilst we are away. Will that make a difference to the premium?

Our policy premiums are based at the age of all insured persons at the date of policy purchase.

Is Insurance Premium Tax (IPT) included in the prices shown?

Our policy premiums are inclusive of the applicable rate of Insurance Premium Tax, except for residents of the Channel Islands and the Isle of Man where IPT does not apply.

What is Insurance Premium Tax?

Insurance Premium Tax (or IPT as it is often known), is a tax on general insurance premiums and varies depending on the country you live in

Are the benefits per person?

Yes, all policy benefits are per person with the exception of the personal liability section which applies per policy.