Card

Q. Do I need to carry my policy and card details with me when travelling?

A. To use the 24 hour emergency assistance, all you need is the 24 hour medical emergency number. Although you do not need to carry your card and schedule with you for it to be valid, some foreign medical providers may wish to see evidence of your cover.

Children

Q. Can you provide cover for children?

A. Yes, children under 2 are free of charge, and children between 2-16 are charged 50% of the standard premium provided they are accompanied by a parent or guardian also insured under the scheme. The same 50% discount also applies to children up to 23 years if dependant and in full time education. Otherwise anyone over 16 is charged the standard premium. Children aged 10-16 can travel on their own provided they pay the full adult premium.

Groups

Q. Do I get a discount for a group booking?

A. Yes we offer a 5% discount for parties of 5 or more and a 10% discount for parties of 10 or more.

Q. Is there a limit to how many changes can be made?

A. No, as many changes as required can be made at any one time via the online system.

Holiday

Q. Can I get cover for a fixed five day period?

A. Yes, you can get cover for any period up to 12 continuous months so long as you include the day you leave and the day you return.

Q. Can I travel for 8 months on an Annual (multi-trip) policy?

A. No, the Annual Travel Insurance policy will only allow for any number of trips up to 90 days each. You must return to the UK to start a new trip. We can extend the 90 day period up to 12 months for an additional premium. Please call for further details.

Q. Will my animal be covered by my insurance on holiday?

A. No it won’t. But you might like to try morethan.com or petplan.co.uk for a quote.

Limitations

Q. Are there exclusions or limitations to the policy?

A. Yes, these are contained in the policy wording. We do not cover existing medical conditions. An existing medical condition is a medical condition or any illness which you or your companions knew about when purchasing the insurance and which may contribute to the likelihood of a claim or the consequence.

Loss of earnings

Q. Does the Travel Insurance policy provide loss of earnings cover?

A. No there is no loss of earnings cover under the Travel Insurance policy although loss of earnings can be covered under the Personal Injury Gold and Silver policies.

Off Piste

Q. Can you cover me for off piste skiing or snowboarding?

A. Yes we cover off piste provided it is not against local advice and you do not ski/snowboard unaccompanied and that you choose the appropriate sports group.

Partner

Q. How do you define a partner?

A. A partner is considered the spouse / common law partner / girlfriend / boyfriend of the insured and must be under 65 at the date of purchase.

Pregnancy

Q. I am pregnant, can you still cover me?

A. We can cover you provided that you are not expecting to give birth within 2 months of return from the trip and you will not be travelling against medical advice.

Professional

Q. I am a professional sports person, can you cover me?

A. No we only insure amateurs. We define an amateur as someone who earns no more than £4000 per annum from their sport.

Repatriation

Q. If I am injured on a skiing trip, will I be repatriated?

A. You should contact the claims help line if repatriation is required and they will assess the situation with you or your representative.

Sports Definitions

Q. What is the difference in definition between Rock Climbing and Mountaineering?

A. Mountaineering would be defined as involving multipitch climbing, often staying out overnight and more than an hour from the nearest rescue centre. Intrinsic to Mountaineering is equipment such as ice axes and crampons.

Sports equipment

Q. Can you cover my sports equipment?

A. Yes we can cover specialist sports equipment up to £600 in total on the Gold Travel Insurance policy. Please read the terms and conditions regarding the cover for such equipment.

Q. How do I claim for my stolen sports equipment?

A. All clams must be notified to the claims help line within 5 days of an incident. Loss or theft must be notified to the police and an original receipt or third party valuation will be required.

Sports groups

Q. I cannot see my sport listed in any of the groups, can you still cover me?

A. We aim to cover all non motorised sports. If your sport is not listed then please contact us and we will do our best to see if we can cover you.

Q. What happens if I need insurance for two different sports groups?

A. Simply take out a policy for the sport in the higher group and you will be covered for all sports in that and lower groups.

Third party liability

Q. Do your policies cover third party liability?

A. Yes, at all levels, gold, silver and bronze. However, you may find that some sports have restrictions or exclusions.

Top up

Q. I already have holiday insurance but it will not cover me for my diving that I am planning to do for two days on my holiday. Can you help?

A. Yes, simply take out 'activity top up cover’ for the two days. Top up cover is valid whilst participating in the chosen sporting activity.

Winter sports

Q. I am hoping to work in the Alps for the season, can you cover me?

A. No we can only cover up to 21 days for a single trip for winter sports and up to 31 days for an annual policy.