You can tell us about your conditions using our online medical screening system when you get a quote.
If you’d prefer to speak to one of our friendly agents, you can get in touch.
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Our travel insurance policies have no upper age limit.
However, cover for winter sports is only available to customers aged 65 or under.
If you’re buying an annual multi-trip policy, you’ll need to choose from one of the following geographical areas:
*Trips within the UK require pre-booked overnight accommodation in order to be covered.
**Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.
Always check the latest travel advice for your destination from the Foreign, Commonwealth and Development Office (FCDO).
If the FCDO advises against all or all but essential travel for any reason other than coronavirus, you will not be covered if you travel. If the FCDO advises against all or all but essential travel because of coronavirus, you can travel and will be covered for any non-coronavirus-related claims.
There’s a 14 day cooling-off period after you've bought your travel insurance.
If you contact us within this cooling-off period, you’re entitled to a full refund if you have not:
To cancel your travel insurance and claim your refund, you will need to get in touch.
We recommend that you keep your receipts for proof in the event of a claim.
If you have not got receipts or other proof of ownership, a 10% deduction applies to items with a value over £100 for:
To find out more, [get in touch with our claims team[(/insurance/travel-insurance/travel-insurance-contact-us).
A pre-existing medical condition is any medical condition for which any person insured on this policy has:
You must let us know about any pre-existing conditions.
We are unable to cover undiagnosed conditions, and won’t cover you if:
All EHIC cards issued before the end of 2020 will be valid until their expiry date (on the front of your card), entitling you to reduced cost or Free State healthcare within the EU countries that you visit.
Your travel insurance will cover you for other medical costs, which are not covered under the EHIC arrangement or alternative reciprocal health agreement, subject to the terms and conditions of your policy. However, for those whose cards have expired, you will not be able to apply for a replacement card.
The Government has introduced a new UK Global Health Insurance Card (GHIC) that is free to apply for. You should apply at least ten days before you plan to travel to ensure your GHIC arrives on time.
Please give us your age on the day you buy your policy.
There are some exclusions that apply to the cover.
You'll find details in the policy wording booklet.
Lapland stretches across Finland and Sweden.
You'll need a European travel insurance policy.
We offer cashless medical expenses in many locations throughout the world.
You don’t have to pay anything beside your policy excess if you need medical treatment whilst you’re on holiday.
Not all travel insurance gives you this reassurance.
When you need medical treatment get in touch and we'll let you know if the service is available where you are.
After Brexit, medical expenses will be covered in Europe just as they are in the rest of the world. You will need to contact our 24hr emergency assistance team before receiving any hospital treatment or incurring costs of £500 or more, otherwise the amount we pay out may be limited.
It’s important to declare all your medical conditions. We try to cover all medical conditions and to offer a quote to all customers.
In the unlikely event that we can’t cover your medical condition, we will still be able to cover you to travel, but not for any claims relating to the declined condition.
However, if you did not tell us about all your conditions, then the Consumer Insurance (Disclosure & Representations) Act 2012 (‘CIDRA’) will apply.
This is the law that sets out how we should handle such claims. We’ll work out how much we would have charged you for the policy if you’d told us about all your conditions when you bought the policy.
We’ll then settle your claim proportionately. For example, if you paid £50 for your policy but we would have charged you £100, we’d pay 50% of any claim.
If you need to cancel your trip before your departure date, make sure it’s for one of the reasons outlined in the cancellation section of cover.
Our policies don’t cover cancellations because you decide not to travel. If your airline or tour operator cancel your trip, try to claim any money back directly from them or from your credit card, as we’ll only consider eligible costs that you can’t get back from elsewhere.
The Global Health Insurance Card (GHIC) gives you the right to access state-provided healthcare during a temporary stay in the European Union.
The GHIC may not always provide enough cover.
For example, if you are taken to a private clinic in a private ambulance, the GHIC will not cover you.
The GHIC also does not cover the cost of repatriation if you need to be flown back to the UK due to accident or illness.
For these reasons, it's sensible to take out travel insurance as well.