Travel Insurance FAQ's

Your travel insurance questions answered

Travel insurance should be an important part of your holiday planning. We understand that insurance can be complicated so we have put together a list of some of the most frequently asked questions.

What types of travel insurance can I take out?

The types of travel minsurance you take out will depend on how long you are travelling for and if you intend to take further holidays during the year.

  • Single Trip Cover - Single Trip Travel Insurance can be taken for 1 day - 365 days, for one trip to a specific region for a set period of duration.
  • Annual Multi Trip Cover - Annual Multi-trip Travel Insurance covers you for a whole year and allows you to take multipe trips across the 12 month period of cover to any of the regions you have included.
  • Backpacking / Long Stay Insurance - Backpacker insurance is for travel on a gap year or extended trips allowing you to travel to different regions.

Does your travel insurance have an age limit?

  • We offer a number of travel insurance schemes where there is no age limit on single trips and we also have one provider now able to offer annual multi-trip cover with no upper age limit.

Cancellation cover - when does it start and how does it differ between single and annual policies?

  • Cancellation cover is in place as soon as you have purchased a single trip travel insurance policy. Cancellation cover on annual multi-trip policies is only in place from the start date of the annual multi-trip policy.

Is there a cooling off period after I've bought a travel insurance policy?

  • Yes - If you feel that the travel insurance policy is not suitable for your needs then you have a 14 day cooling off period in which to cancel your policy and get a full refund, provided you haven’t travelled, and don’t intend to make a claim.

What is Insurance Premium Tax IPT?

  • Insurance premium tax is a tax of 20% like VAT, that applies to most general UK insurance premiums.

How do I access my travel insurance documents?

  • Once you have completed your purchase for travel insurance you will be sent an email with instructions on how to activate your secure online account where yoiur documents have been uploaded to. From there you will be able to access them at any time to view or print.

What is a pre-existing medical condition and what is medical screening?

  • A pre-existing medical condition usually means any condition for which medical advice, diagnosis or treatment has been received or recommended. Cover will only be given for pre-existing medical conditions if they have been declared. You will be required to complete the medical screening process where you are asked to provide the name(s) of your conditions and you will then be presented with multiple choice questions to determine the severity of your condition (s). All conditions must be declared however minor.

Do I need to know the names of my medication during the medical screening process?

  • No, we don't need to know the names of your medications, only the names of your medical conditions. However you may be asked how many medications you take for a particular medical condition.

I still have a question but it's not listed here?

  • If you have a question about any of the travel insurance policies available on our website, then please call us on 0800 458 0463 where we will be happy to provide you with the information you need.