Travel insurance FAQs

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How many days does a single-trip policy cover?

Single-trip insurance covers you for as long as your trip lasts. As long as you enter your departure and return dates accurately the policy lasts as long as you need it to. 

If you are going for a long holiday, it might be worth your while to look into backpackers insurance.

What does an annual / multi-trip policy cover?

Annual or multi-trip policies cover you for an entire year from the policy start date.

These policies are worthwhile if you’re a frequent traveller, and as policies usually cover domestic trips, you may be a more frequent traveller than you think.

Do annual policies cover travel within the UK?

Most annual policies will cover travel within the UK. It’s always best to check before parting with your money though.

Is there a limit to the number of days I can be abroad on an annual policy?

Many standard policies will cover you for up to 31 consecutive days. But each policy will differ, some are as short as 24 days and some cover up to 60 days.

Backpackers insurance extends cover for longer trips, so it’s well worth comparing these policies too.

It's a good idea to check before you purchase the policy.

What does backpacker insurance cover?

This is designed to cover you when travelling on a gap year, or for trips of a longer duration.

Many backpacker policies include cover for a greater number of activities, such as scuba diving or bungee jumping. However, there may be age restrictions. Check if your policy covers you for chosen activities. 

For more on backpacker insurance get a quote.

Do annual policies cover ski and snowboarding trips?

You will only be covered if you have selected cover for winter sports. If you think you will be doing winter sports it is best to include this option.

Get a quote for ski travel insurance.

Additional cover: winter sports

To ensure you’re fully covered when travelling on a ski or winter sports holiday add this cover when you get a quote.

Policies tend to include equipment cover, specialist medical cover, and some include cover for piste closure.

Can I ski and snowboard off-piste?

As long as you’re accompanied by a qualified guide or instructor, you should be covered.

Double check your policy before you go.

Additional cover: cruise

Cruise travel insurance is specifically catered for those who like to take their holidays at sea. Cover particular to these types of policies include evacuations from the ship, missed connections, and medical emergencies at sea.

If you are going on a cruise, ensure you add this cover when getting a quote.

Get a quote for cruise insurance.

What is a pre-existing medical condition?

Any personal illness or medical condition that is known or existing before buying an insurance policy is considered a pre-existing medical condition. 

You are required to tell your insurer about your health history, failure to do so could result in the insurer refusing to pay out in the event of a claim, or the policy being invalidated.

If you are unsure what is covered, you can check with your chosen provider, they will advise you if you need to declare your medical condition or not. 

Get a quote for pre-existing medical insurance.

Can I get travel insurance if I suffer from a pre-existing medical condition?

If you have asthma, high blood pressure or heart disease you’ll understand how hard it can be to find travel insurance. You can compare policies that cover pre-existing medical conditions with

How do you define a UK resident?

Your main home must be in the UK, which comprises of England, Wales, Scotland, Northern Ireland, the Channel Islands and the Isle of Man.

Can non-UK residents get quotes?

As our insurance panel consists of UK-based providers, we’re not able to offer cover for any customers who aren’t permanently resident within the UK.

Is there a cooling-off period once I have bought my policy?

Yes, if your policy does not meet your needs, you can return your policy schedule to the provider within 14 days of its purchase for a refund.

On receipt of the schedule, your premium will be refunded in full provided you haven’t travelled, and don’t intend to make a claim.

For peace of mind, it is best to double check the individual guidelines with your chosen provider before purchase.

Is insurance premium tax (IPT) included in the prices shown?

All travel insurance prices you see on include IPT at 20 per cent.

What is an excess?

This is the amount of any claim which you will pay yourself. So if your claim is for £500, but your excess is £150, then you will receive £350 of the claim from your insurer.

The amount of excess is likely to differ depending on your insurer and the type of claim.

When you compare travel insurance with us, after you've entered your details, the excess for each policy is displayed clearly on the results page.

What is airline insolvency?

If an airline goes into insolvency before your flight, this provision will cover you for related costs you’ve already incurred prior to its departure.

This applies for both inbound and outbound flights.

So if the money you’ve paid can neither be refunded by the airline, nor by other protection schemes such as ATOL, then this could be a useful safety net.

If I take my golf clubs with me, how much are they insured for?

Cover is not normally provided for golf clubs as part of a standard policy. However, some providers allow you to upgrade your policy to include cover. 

Alternatively you might want to check to see if they’re covered under your home insurance policy.

Additional cover: business trips

Business travellers can get more comprehensive cover included in their policies. This can include missed connections, trip cancellation, and higher baggage cover.

Plus these policies usually cover golf clubs and other sports equipment as standard.

If you're looking to cover your business trip, ensure you add this cover when getting your quote.

Get a quote for business insurance.

When does cancellation cover commence?

If your policy includes it, cancellation cover applies from the moment you buy and ends on your departure.

This, among other things, is a great reason to get your travel insurance as early as possible.

If I have a child over 18, can they be covered on my family policy?

Any traveller over the age of eighteen is classed as an adult; if you have a family policy, you will only be able to quote for parents and children who are under the age of eighteen.

Any children over this age will need to take out a separate policy.

I've already started my holiday, can I get covered now?

Sadly we’re not able to offer quotations for travellers who start their trip from outside of the UK or offer quotes to extend your current policy if it expires whilst you are away.

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