Travel Insurance

Most travel insurance belongs in one of two categories; single trip and annual multitrip policies. As you might expect, single trip policies cover those named on the policy itself for the duration of a trip declared at the time of purchasing. Annual multitrip policies will provide a level of cover for those named on the policy for a period of twelve months from the cover start date.

Usually, annual multitrip travel insurance renews annaully, whereas single trip travel insurance must be purchase anew before each trip.

When considering travel insurance and whether a particular policy meets your needs it is important to make sure you have read and understood the policy wording to ensure that the product and the associated cover levels meet your needs before purchase.

Travelling at home or abroad can be a richly fulfilling expereince like no other. However, if an unfortunate event should occur, being a away from home and without access to the familiar resources we rely upon can quickly become an unpleasant and costly experience. Having a travel insurance policy in place prrovides much more than peace of mind, depending on your policy, if you experience a missed departure, cancellation, baggage delay, theft, or even the decision to abandon your trip early (curtailment) due to injury or ill-health, you can make a claim to recover relevant expenses paid out for your trip.

Whilst travel insurance for travel within the UK carries with it clear benefits to help protwct you from trip cancellation, lost bagggag and travel delay, travel insurance brings with it, other important benefits when travelling overseas where otherwise, hospital or doctor's treatments for accidents or ill-health can be come at significant cost to the traveller.

As with all insurance, it is important to familiarise yourself with the policy wording for you chosen policy before you purchase and again before you travel to ensure you understand what's covered and what isn't included in your chosen policy.

Insurance cover for COVID-19 and its related, variant strains will vary depending on your travel insurance provider and the policies they offer, many insurance providers offer COVID cover as an additional policy 'bolt-on' purchasable alongside their standard product selection.

To find out what is and isn't covered it is important to check the ploicy wording of your chosen policy prior to purchase.

The price of travel insurance will depend on the type of policy you wish to purchase, whether that is a single trip policy or an annual multitrip policy. However, pricing for both are calculated based on a number of factors. These include the age of the applicant, those travelling with the applicant who are also to be coveed by the policy, such as family members, the destination of travel, the duration of travel, any known medical conditions at the time of travel, as well as the level of cover required by the applicant.

Because of this, pricing for individual travel insurance is driven by personal circumstance and can vary greatly from person to person.

In many cases, travel insurance will cover you for flight cancelllation up to and before the day of departure, though it is best to approach the travel operator beforehand so that they may offer or attempt to redress the situation on your behalf, especially if the cancellation occurs whilst you are already travelling. It is also important to ask your travel operator to confirm the reason for the cancellation in writing as your insurer may ask for proof of flight cancellation from your travel operatior or airline in order to validate any subsequent claim.

It is always best to check your policy prior to purchase and again before you travel so that you are familiar with what is and isn't covered before your trip.

Depending on your policy, cover for missed departure is likely to include unforeseen events that are outside of your control, such as traffic delays, vehicle breakdowns (including public transport).

For more information on what is and isn't covered under missed departure, please check your chosen policy wording prior to purchase.

Depending on your chosen policy, travel insurance provides cover for items classed as 'baggage' such as a suitcase and its contents. Though there may be certain situations excluded from cover, this can include luggage lost while left unattended, for example.

As with all insurance, it is best to check your policy wording thoroughly prior to purchase, and in the case of travel insurance, again before you travel so that you are familiar with what is and sin't covered under your chosen policy.

Travel insurnce will cover ending your holiday earlier than planned on medical grounds in certain circumstances, these may include illness, injury or death of a travelling party member. For more information on what is and is not covered when ending you holiday or trip early, please refer to the policy wording in relation to 'curtailment' before purchase.

Most travel insurance policies will cover the costs incurred to replace lost or stoled passports. For specific information on what is and is not covered as part of your chosen policy, please ensure to familiarise yourself with the policy wording before purchase.

Unless otherwise stated, travel insurance does not usually provide cover for pre-existing medical conditions known or under medical investigation at the time of taking out the policy. With regard to medical exclusions, please be sure to familiarise yourself with the policy wording of your chosen policy before purchase to ensure you undertsnad what is and is not covered.

There are key diiferences between travle and health insurance, most important among these are the circumstances under which the ploicyholder can make a claim, namely what is considered a medical emergency whilst overseas and what would be described as ongoing medical treatment within the policyholder's home country. Essentially, travel insurance can provide cover to help meet the costs of emergency medical treatment expenses that are otherwise payable as a result of an isolated and unexpected injury or illness experienced whilst travelling in another country or region. By comparison, health insurance can help the policyholder meet the costs of onging medical consultation and treatment for a condition, usually only within the policyholder's regular country of residence.

Travel insurance covers a multitude of sitations where a traveller may find that they are otherwise financially at risk as a result of disruptions to their travel or travel plans.This can include flight delays, flight cancellations, missed departure, baggage delays, lost or stolen baggage, and having to cut a trip short (curtailment) for medical reasons.

However, there will be notable exclusions from cover as noted in the policy wording.

Because of this, it is important to check your chosen policy wording before purchase and again before you travel so that you are familiar with what is and is not covered by your policy.

Travel insurance can be purchased up and on the day of departure, but it is usually not possible to purchase travel insurance to cover your whole trip after the trip has begun. It is important to consider that taking out travel insurance as a last minute purchase may prevent claims for pre-existing situations such as flight delays and cancellations which were announced or known prior to, or at the time of purchasing the travel insurance cover.

For this reason, the earier a traveller is able to purchae travel insurance, the better.

Travel insurance provides cover to all party members who are explicitly named on the policy certificate, supplied when the policy was purchased, or updated accordingly and resupplied to the main policyholder if additional party membres were added to the policy as a subsequent date, this includes dependants, such as children under 16 years of age.

Cover does not extend to person/s not explicitly named on the policy.

Please read or policy wording for more information.