Insure For Travel - Travel Insurance Logo

Frequently Asked Question's

Travel Insurance Questions

A) Important Contact Information FAQ's

A1) Who is the assistance company?

A2) Who do I contact to make a claim?

A3) Who do I contact in the event of an emergency abroad?

B) Medical FAQ's

B1) Will the insurance still be valid if I enter 'No' on the travel eligibility page, should I not wish to have my pre-existing medical condition covered?

B2) If I have a pre-existing medical condition, can I travel abroad?

B3) What happens if I have to go to hospital, just for the day?

B4) What is the EHIC?

B5) Do I need to have vaccinations?

C) Personal Possession FAQ's

C1) I have bought a Winter Sports policy, does it cover my own or hired skis?

C2) What should I do if an item of my personal belongings is lost, stolen or damaged whilst I am abroad?

D) Policy FAQ's

D1) Can I buy your insurance whilst abroad?

D2) I live outside of the UK, can I still buy this insurance?

D3) Do I have to pay a policy Excess?

D4) Can I buy an Excess Waiver?

D5) How many people can be covered on one policy?

D6) Can I buy a policy for my child?

D7) Do we cover One-way trips?

D8) Do I have to notify you every time I travel on an annual multi trip policy?

D9) Am I covered if any of the suppliers I purchased my holiday through go bust?

D10) Am I covered in the unlikely event of a terrorist attack?

D11) Am I insured for working abroad?

E) Definitions FAQ's

E1) Do you class Uncles and Aunts as close relatives?

E2) Can my children travel independently on our family annual multi trip policy?

F) Activities FAQ's

F1) Will I be covered to scuba dive when abroad?

F2) Am I covered for Paragliding?

F3) What is the definition of Off-Piste skiing?

F4) Am I covered for Camel trekking?

F5) Am I covered for Catamaran sailing?

F6) Am I covered for Kite Surfing?

F7) Am I covered for Wakeboarding?

G) Booking & Customer Service FAQ's

G1) Can I cancel the policy if I decide it is not for me?

G2) What insurance documents should I take on holiday with me?

G3) Can I book a Travel insurance policy commencing today?

G4) Can you re-send my policy?

G5) My policy has incorrect personal details, can these be changed?

G6) What happens if I am unable to print my insurance documents?

Travel Insurance Answers

Frequently asked questions about Single Trip, Extended Stay, Annual Multi-trip travel insurance to Europe, Australia and New Zealand and Worldwide

A) Important Contact Information FAQ's

A1) Who is the assistance company?

Please see the policy document.

A2) Who do I contact to make a claim?

Please see the policy document.

A3) Who do I contact in the event of an emergency abroad?

Please see the policy document.

B) Medical FAQ's

B1) Will the insurance still be valid if I enter 'No' on the travel eligibility page, should I not wish to have my pre-existing medical condition covered?

Should you answer 'No' to any medical conditions, then anything that is a direct or indirect result of the pre-existing medical conditions will be excluded from cover.

B2) If I have a pre-existing medical condition, can I travel abroad?

Should you answer 'No' to any medical conditions, then anything that is a direct or indirect result of the pre-existing medical conditions will be excluded from cover.

Or pay an additional premium whereby you can declare a medical condition and go through the screening process where it will ask you to answer a number of medical questions which only you can answer regarding a medical condition.

B3) What happens if I have to go to hospital, just for the day?

For outpatient treatment please refer to your policy terms and conditions.

B4) What is the EHIC?

The EHIC or European Health Insurance Card is the replacement to the old E111. We ask that all travellers travelling to a European destination make sure that they have applied for and hold a valid EHIC. Using the EHIC might save you from having to pay a policy excess. For more information or to apply, please go to www.dh.gov.uk/travellers

B5) Do I need to have vaccinations?

You must seek advice from your doctors before deciding to travel as to whether you should receive inoculations or vaccinations prior to travel. Failure to do so would mean that your policy would exclude any claim arising as a result of, or relating to something you should have been vaccinated against.

C) Personal Possession FAQ's

C1) I have bought a Winter Sports policy, does it cover my own or hired skis?

The policy will not cover you to replace either your own or hired skis. It does however cover the cost of hiring replacement skis if the skis that you own are lost, delayed or damaged so that you may continue with your holiday. Certain restrictions apply; please see terms and conditions as certain levels of cover will only apply.

C2) What should I do if an item of my personal belongings is lost, stolen or damaged whilst I am abroad?

You should report the theft, loss or damage to the local police, airline or relevant authority remembering to get a written report confirming this. If your claim related to a damaged item you must remember to bring it home with you as the insurers may wish to inspect the item. Certain restrictions apply; please see terms and conditions as certain levels of cover will only apply.

D) Policy FAQ's

D1) Can I buy your insurance whilst abroad?

No - You must buy your travel insurance before you leave the United Kingdom.

D2) I live outside of the UK, can I still buy this insurance?

This policy is only available to you if you are permanently resident in the United Kingdom and have registered with a medical practitioner in the United Kingdom.

D3) Do I have to pay a policy Excess?

Under most sections of your policy you will be expected to pay the first part of a claim (the excess). This ranges from £100 to £250, please check the individual sections of your policy for more information.

D4) Can I buy an Excess Waiver?

Yes, we offer a Zero Excess premium.

D5) How many people can be covered on one policy?

Up to 7 people can be covered on an individual policy. Family policies are restricted to 2 adults (husband and wife or partners) and up to 4 dependent children or infants. Couple policies are restricted to a maximum of 2 people.

D6) Can I buy a policy for my child?

You can buy a policy where the child is the main insured. Please note: That there may be some limitations on certain sections of the policy for claims made by a child.

D7) Do we cover One-way trips?

Cover for One way trips is provided from the time of leaving the United Kingdom to the expiry of the policy or in any event no later than 72 hours after you leave immigration control of your final destination.

D8) Do I have to notify you every time I travel on an annual multi trip policy?

No, all we ask is that you make sure that you are aware of, and stick to the maximum single trip duration permitted by your policy. If you exceed the maximum single trip duration, you will not be covered for any part of that trip.

D9) Am I covered if any of the suppliers I purchased my holiday through go bust?

No - unfortunately, the financial failure of any supplier is not covered under our insurance. Please refer to the policy wording for more details or check our website for more details on Holiday Protection.

D10) Am I covered in the unlikely event of a terrorist attack?

No. The insurer is not responsible for claims which are directly or indirectly caused by, occasioned by, resulting from or in connection with any act of terrorism.

For the purpose of this insurance, an act of terrorism is defined as - An act, including but not limited to the use / or planned use of force or violence and / or the threat of any person or group of persons whether acting alone, or on behalf of, or in connection with any organisation, or government, committed for political, religious, ideological or similar purposes including the intention to influence any government and/ or the public, or to put any section of the public in fear.

D11) Am I insured for working abroad? Your day to day holiday activities will continue to be covered as per our terms and conditions. Please note: That you will also need to make sure you have adequate insurance for any liability or legal claim that could be made against you in respect of your work (this may be effected by your employer).

E) Definitions FAQ's

E1) Do you class Uncles and Aunts as close relatives?

No - Relatives are defined as brother, step brother, brother-in-law, common law partner, daughter, step daughter, adopted daughter, daughter-in-law, fiance(e), grandchild, grandparents, legal guardian, parent, step parent, parent-in-law, sister, step sister, sister-in-law, son, step son, adopted son, son-in-law, foster child or spouse.

E2) Can my children travel independently on our family annual multi trip policy?

No, only the named insured adults may travel independently on a family policy.

F) Activities FAQ's

F1) Will I be covered to scuba dive when abroad?

Yes we cover scuba diving down to 15 metres (excluding solo dives and no dives less than 24 hours before departure)

F2) Am I covered for Paragliding?

Paragliding can be covered for an additional premium - please contact us for more details.

F3) What is the definition of Off-Piste skiing?

Winter sports activities are covered as follows:- Guided cross country skiing (Nordic Skiing), mono skiing, off-piste skiing or snow boarding (in areas designated safe by resort management), recreational racing, skiing, snowboarding and snow sledging. The following are not included in the definition, but not limited to: Freestyle skiing, heli-skiing, ice hockey, luging, off-piste skiing or snow boarding in areas designated as unsafe by resort management, off-piste skiing or snowboarding where there is an avalanche warning in place, parapenting, ski acrobatics and stunting, ski bob racing, ski-doing, ski flying, ski jumping, ski racing or training, the use of skeletons or bobsleighs, snow mobiling, tobogganing.

F4) Am I covered for Camel trekking?

Cover is only available if you have paid the additional premium prior to travel and cover is confirmed on your Insurance Certificate.

F5) Am I covered for Catamaran sailing?

No cover for catamaran sailing outside coastal waters - this is normally deemed as 12 miles from shore but may differ according to region. Therefore, catamaran sailing from one country to another would not be covered.

F6) Am I covered for Kite Surfing?

There is no cover available for Kite Surfing if it is the main purpose of the trip. Cover is only available if the activity is undertaken on 'an occasional and incidental basis' and where an additional premium has been paid.

F7) Am I covered for Wakeboarding?

Wakeboarding is covered. It is regarded the same as waterskiing.

G) Booking & Customer Service FAQ's

G1) Can I cancel the policy if I decide it is not for me?

Yes you can, but this is subject to you cancelling the policy within 14 days of purchase, and you not having travelled or being in the process of making a claim.

G2) What insurance documents should I take on holiday with me?

We always advise that you take a copy of all of your insurance documents with you as you never know when you might need them. The bare minimum you should ever travel with is a copy of our full policy wording along with a note of your policy number, level of cover and issuing agents name.

G3) Can I book a Travel insurance policy commencing today?

Yes Please click here or on the "Buy Online" button to get a quote.

G4) Can you re-send my policy?

Yes, please contact us using our Contact Form.

G5) My policy has incorrect personal details, can these be changed?

Yes, please contact us using our Contact Form.

G6) What happens if I am unable to print my insurance documents?

If you are having trouble downloading or printing your documentation, please contact us using our Contact Form and we will be able to post your validation certificate only. Should you require us to post your full insurance documentation, please be advised that a £6 administration charge will be applicable.