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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 & GHIC?

B5) Do I need to have vaccinations?

C) Covid-19 FAQ's

C1) Am I covered for Covid-19

C2) My trip has been moved to a date in the future, can I change the dates on my policy?

C3) Am I still insured if I travel against the advice of the FCDO?

C4) I'm abroad and my flight home has been cancelled by the airline due to the COVID-19 pandemic situation. What should I do?

C5) I am due to pay the balance on my holiday shortly. My trip destination is currently an area where the FCDO are advising against all but essential travel. Will I be covered if I pay the balance and then I am unable to travel due to FCDO advice in the future?

C6) I'm abroad and have symptoms of Coronavirus/COVID19?

D) Personal Possession FAQ's

D1) I have bought a Winter Sports policy, does it cover my own or hired skis?

D2) What should I do if an item of my personal belongings is lost, stolen or damaged whilst I am abroad?

E) Policy FAQ's

E1) Can I buy your insurance whilst abroad?

E2) I live outside of the UK, can I still buy this insurance?

E3) Do I have to pay a policy Excess?

E4) Can I buy an Excess Waiver?

E5) How many people can be covered on one policy?

E6) Can I buy a policy for my child?

E7) Do we cover One-way trips?

E8) Do I have to notify you every time I travel on an annual multi trip policy?

E9) Am I covered if any of the suppliers I purchased my holiday through go bust?

E10) Am I covered in the unlikely event of a terrorist attack?

E11) Am I insured for working abroad?

F) Definitions FAQ's

F1) Do you class Uncles and Aunts as close relatives?

F2) Can my children travel independently on our family annual multi trip policy?

G) Activities FAQ's

G1) Will I be covered to scuba dive when abroad?

G2) What is the definition of Off-Piste skiing?

H) Booking & Customer Service FAQ's

H1) Can I cancel the policy if I decide it is not for me?

H2) What insurance documents should I take on holiday with me?

H3) Can I book a Travel insurance policy commencing today?

H4) Can you re-send my policy?

H5) My policy has incorrect personal details, can these be changed?

H6) What happens if I am unable to print my insurance documents?

H7) Do I need to register for the Medicare scheme if I'm travelling to Australia?

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 documents.

A2) Who do I contact to make a claim?

Please see the policy documents.

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

Please see the policy documents.

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.

PLEASE NOTE: Failure to accurately and fully declare all medical condition(s) for you, or anyone travelling with you will affect your cover and may result in your claim being declined.

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. If you are admitted as an inpatient, or you require outpatient treatment which is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance prior to receiving treatment.

B4) What is the EHIC & GHIC?

The EHIC allows you to access state-provided healthcare in all European Economic Area (EEA) countries and Switzerland. Your EHIC will be accepted for the remainder of its validity.

From 4th January 2021, if you do not have a valid EHIC you will need to apply for a GHIC but please be aware that the GHIC does not cover Switzerland, Iceland, Liechtenstein or Norway. For more information or to apply for your GHIC: online at www.dh.gov.uk/travellers or by telephoning 0845 606 2030.

Presenting your EHIC/GHIC at a public medical facility will allow you to obtain treatment at a reduced cost and in many cases free of charge, provided you are a UK or BFPO resident (please note if you reside in the Isle of Man or the Channel Islands you are not eligible for an EHIC/GHIC).

Please note: An EHIC/GHIC is no substitute for travel insurance cover. If you are admitted to a private hospital, the EHIC/GHIC will not cover your treatment costs, nor will it cover any repatriation costs to get you back home.

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) Covid-19 FAQ's

C1)Am I covered for Covid-19

All our policies include cover for any medical claim due to Coronavirus while travelling, provided that you have received the recommended number of doses of an approved Coronavirus vaccine 14 days prior to your trip commencing. This vaccination requirement shall not apply where you were ineligible for vaccination, or unable to receive the vaccine for medical reasons, and this is shown in your medical records.

There is NO cover under any other section of cover for any claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus.

In addition, there is also NO cover under this policy:

  1. if (having no symptoms of Coronavirus and you have not tested positive for Coronavirus) you are advised to quarantine or you choose to self-isolate due to a person you have come into contact with having Coronavirus.
  2. for claims relating to the fear or threat of a pandemic and/or epidemic, including but not limited to Coronavirus.

C2) My trip has been moved to a date in the future, can I change the dates on my policy?

If you have a single trip policy, it may be possible for you to amend the dates. Please contact Insure For Travel using our Contact Form or telephoning 01903 209903.

C3) Am I still insured if I travel against the advice of the FCDO?

No. Your policy will not provide cover if you decide to travel against the advice of the FCDO. This would be for 'All Travel' and 'All but Essential Travel'.

C4) I'm abroad and my flight home has been cancelled by the airline due to the COVID-19 pandemic situation. What should I do?

In the first instance, you should contact your travel agent, tour operator or airline provider to arrange an alternative return flight to the UK ASAP.

C5) I am due to pay the balance on my holiday shortly. My trip destination is currently an area where the FCDO are advising against all but essential travel. Will I be covered if I pay the balance and then I am unable to travel due to FCDO advice in the future?

You will need to follow your contractual obligations with your travel agent/tour operator. If you were to refuse to pay the balance of your holiday without the travel agent or tour operator cancelling the holiday it could be considered disinclination to travel and there would be no cover under your travel insurance policy. Which would mean that you wouldn't be able to claim for your loss of deposit already paid. If the trip hasn't been cancelled, the travel agent/tour operator will in all likelihood be expecting you to pay over the balance of the holiday that you had committed to, but they in turn should provide you with protection of both your deposit and balance paid. In the event that you pay over the balance of the holiday and the trip is then cancelled, it will be for the travel agent/tour operator to reimburse you or offer an alternative at that point. Failing that, you may have protection through ABTA if they are a member, or through your credit or debit card providers, all of which should respond before travel insurance in any event.

C6) I'm abroad and have symptoms of Coronavirus/COVID19?

Your policy provides cover under Section B1 - Medical and other expenses outside of the United Kingdom or B2 - Expenses within the United Kingdom. You must contact the Emergency Assistance Service or someone must do so on your behalf. Full details are provided in your policy wording.

D) Personal Possession FAQ's

D1) 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.

D2) 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.

E) Policy FAQ's

E1) Can I buy your insurance whilst abroad?

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

E2) I live outside of the UK, can I still buy this insurance?

Eligibility

This policy is only available to you if:

  • You are permanently resident in the United Kingdom and have your main home in the United Kingdom;
  • You have been in the United Kingdom for a minimum of 6 months in the year prior to purchasing your insurance policy;
  • You are registered with a doctor in the United Kingdom;
  • You have a UK National Insurance number (where aged 16 years of age or older);
  • You are in the United Kingdom at the time of purchasing this policy. Any trip that has begun when you purchase this insurance will not be covered;
  • You are not travelling against the advice of a doctor or where you would have been if you had sought their advice before beginning your trip;
  • You are not travelling with the intention of receiving medical treatment;
  • Your trip starts and ends in the United Kingdom (single trip or annual multi-trip cover only);
  • Your trip starts in the United Kingdom (one-way trip cover only).
  • You must be travelling with the intention to return to the United Kingdom within your trip dates unless an extension has been agreed with us and we have confirmed in writing.

E3) 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 £200, please check the individual sections of your policy for more information.

E4) Can I buy an Excess Waiver?

Yes, we offer a Zero Excess cover option for an additional premium.

E5) How many people can be covered on one policy?

Up to 10 people can be covered on an individual policy. Family policies are restricted to 2 adults (husband and wife or partners) and unlimited dependent children or infants. Couple policies are restricted to a maximum of 2 people.

E6) Can I buy a policy for my child?

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

E7) Do we cover One-way trips?

One way trip (not applicable to annual multi trip policies) This provides cover for a single one way trip for up to thirty one (31) days. Cover ends twenty four (24) hours after you first leave immigration control in your final country of destination or at the end of the period of cover shown on your insurance certificate, whichever is earlier.

E8) 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.

E9) 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.

E10) 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.

E11) 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). Working abroad including administrative office based positions, working on a cruise ship, teaching positions, manual work being restricted to bar/restaurant work & fruit picking (not involving the use of agricultural machinery).

F) Definitions FAQ's

F1) Do you class Uncles and Aunts as close relatives?

No - Relatives are defined as husband or wife (or partner with whom you are living at the same address), parent, step-parent, grandparent, parent-inlaw, brother, sister, step-brother, step-sister, child, grandchild, brother-in-law, sister-in-law, son-in-law, daughter-in-law or fiancé(e) or next of kin.

F2) 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.

G) Activities FAQ's

G1) Will I be covered to scuba dive when abroad?

Yes we cover scuba diving up to 30 metres, qualified (excludes solo dives. Cannot dive within 24hrs of departure)

G2) What is the definition of Off-Piste skiing?

Winter sports - Airboarding, bigfoot skiing, blade skating, cat skiing (with guide), cross country skiing, curling, glacier skiing/walking (up to 4,000 metres), husky dog sledding (organised, non-competitive and with experienced local driver), ice hockey, ice skating, kick sledging, langlauf, mono skiing, off piste skiing(except in areas considered to be unsafe by local resort management), off piste snowboarding (except in areas considered to be unsafe by local resort management), passenger sledge, ski blading, ski boarding, ski dooing, skiing, skiing nordic, sledging/sleighing, sleigh riding (reindeer, horses or dogs), snow blading, snowboarding, snow cat driving, snow mobiling, snow parascending, snow shoe walking, snow tubing, speed skating, telemarking, tobogganing.

H) Booking & Customer Service FAQ's

H1) 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.

H2) 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.

H3) Can I book a Travel insurance policy commencing today?

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

H4) Can you re-send my policy?

Yes, please contact us using our Contact Form.

H5) My policy has incorrect personal details, can these be changed?

Yes, please contact us using our Contact Form.

H6) 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.

H7) Do I need to register for the Medicare scheme if I'm travelling to Australia?

If you are travelling to Australia you can enrol in Medicare which will entitle you to subsidised hospital treatments and medicines. You can do this by contacting a local Medicare office in Australia. All claims for refunds under the Medicare scheme must be made before you leave Australia. Visit the Medicare website or email them directly.