You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

There’s no cover for costs incurred for cancelling or cutting short your trip because of general travel restrictions, quarantine rules imposed upon arrival or return in any country or the financial impact of needing to quarantine such as loss of earnings.

You have to buy a group policy if you don't live at the same address as your partner.

Our definitions are:

• Individual policy – one adult aged 18 or over.
• Couple policy - two adults aged 18 or over who live at the same address and are in a relationship.
• Family policy – two adults aged 18 or over who live at the same address plus at least one child (maximum 5).
• Family one adult policy – one adult plus at least one child (maximum 5).
• Group policy - between two and ten individuals, who don't need to live at the same address. Each adult is covered to travel individually as well as together.

When we refer to Europe, we are referring to the following countries and territories: Albania, Andorra, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands, excluding Greenland), Egypt, Estonia, Finland (including Aland), France (including Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Svalbard), Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, The United Kingdom (including Channel Islands and Isle of Man), Vatican City.

No, you will need to have any private treatment pre-authorised by the Emergency Assistance Service. If you are travelling in Europe, Australia or New Zealand you can access public health services, free of charge and you won’t be required to pay any excesses on the Medical Expenses section of your policy.

First of all, we hope that this is never the case. But, if you do need emergency assistance, please call +44 (0)29 2010 7777 at any time and we'll do everything we can to help.

Yes, no matter which destination you select when you buy your policy, you aren't covered if you travel somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to go to. For more information see the FCDO's foreign travel advice page or call 020 7008 1500.

With new policies, you’re covered for up to £400 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” under the Emergency Medical and Repatriation section of your cover (subject to your excess).

No, sorry. Currently, this isn’t possible.

Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation, Personal Belongings, Personal Accident and Hijack sections (where cover is provided as part of the platinum tier only).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

• violence against a person
• damage to property
• putting life in danger
• creating a health risk to the public
• interfering with or seriously disrupting computer systems or transport services including cyber terrorism
• biological, chemical or nuclear force or contamination

We will not pay any claim due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

Declaring your medical conditions will ensure you are purchasing a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

You can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

Take a look at our Annual Travel Insurance page to learn more.

No it doesn't cover this. If the company is an ABTA member, you can submit a claim to them for the cost of your holiday.

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.

Yes, we extend your policy and continue to provide cover in those circumstances where the delay is completely outside of your control.

Unfortunately not. It's only available to permanent residents of the UK (England, Northern Ireland, Scotland, Wales and the Isle of Man).

Provided you weren’t aware of the strike/industrial action at the time you booked your policy, and it wasn’t public knowledge, we’ll pay up to the limits shown in your policy schedule for irrecoverable costs you've paid.

If your baggage is delayed or lost in transit, you should tell the company transporting your baggage within 24 hours of discovery. Ask them to complete a Property Irregularity Report or give you with a baggage loss receipt. If your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover to buy necessary items (up to £50, £100 or £150 depending on your tier of cover).

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and get a written report. You can claim (up to £1,000, £2,000 or £2,500 depending on your tier) for stolen or lost items. There's a single item limit and total valuables limit (up to £200, £300 or £400 depending on your tier).

No, we don’t charge any admin fees.

If you or someone covered by your policy becomes ill or is injured during your trip and needs emergency medical treatment, please go to a public medical facility and contact our 24 hour emergency assistance line on +44 (0)29 2010 7777 as soon as you can.

Please call this number if you're unsure where to get treatment, you think costs may go over £500, or you think you'll need to cut your trip short.

For minor ailments while abroad, pharmacies and public health facilities are often able to give advice and provide treatment. If costs are more than the policy excess and you want to make a claim, please keep all receipts and call our claims line on 0333 234 9914.

Yes. If you've been given medical advice that someone should stay with you and that requires someone travelling from the UK to be with you, we'll cover the reasonable extra transport and accommodation costs (up to the policy limit) for that person.

The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year.

If you choose an Annual Multi-Trip policy you can take as many trips as you want within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. If you need cover for trips longer than 31 days, let us know when you get a quote (subject to eligibility).

If you have to extend your trip for medical reasons our policies will automatically provide cover until you return home.

If you have a single trip policy and need to change your travel dates, you must contact us before you go on your trip.

If you have annual multi-trip cover, the maximum length per trip on the policy is 31 days as standard unless we've agreed to cover you for a longer trip and this is stated in your policy schedule.

If your annual policy is due to end while you're on holiday and your policy is not set up to automatically renew, please contact us before you travel so we can arrange for your policy to continue while you're away.

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250 or £300 depending on your cover tier) from starting your journey due to severe weather.

If your transport is delayed for more than 24 hours or cancelled and cannot be rearranged for over 24 hours, cover is provided (for costs up to £1,000 on Admiral, £3,000 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover

We can reimburse you for additional transport and accommodation costs if you decide to continue with your trip after:

• your prebooked transport was delayed for more than 24 hours
• your transport was cancelled, and no alternative could be found within 24 hours of your original departure time

We can only reimburse you these costs if they are less than the cost of abandoning the trip. 

We won't make any payments if they aren’t additional to costs you were already expecting to pay - for example if you get a refund and the cost of alternative transport or accommodation is less than the refund. Check your policy book for full details.

No, your holiday insurance doesn't cover car breakdown. However, if you have Admiral Car Insurance, you can extend this to provide European Breakdown Cover. This covers you and your car in case it breaks down while abroad in Europe.

The policy excess is the amount you must pay towards any claim. The excess applies to each insured person and each event that leads to a claim. Multiple excesses may apply for claims under each section.

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS). 

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool.

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

If your EHIC is still in date, you can use it when you travel. Otherwise you’ll need to apply for the new Global Health Insurance Card (GHIC).

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777.

If you’re not a frequent traveller and will take one holiday a year, this type of cover might be better for you than an annual policy which covers numerous trips over the year.  Both give protection against things like cancelled trips, lost luggage and a host of sporting activities

Your cover begins on the day you selected for it to start and finish (your holiday dates), but your cancellation period starts from the date you bought the cover. 

Accidents and illnesses caused by drinking too much alcohol aren’t covered by your policy. 

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m  

Single trip travel insurance covers you for one trip only, lasting up to 365 days. You must set off from and return to the UK.  

This is different to an annual travel insurance policy, which covers all the trips (up to 31 days at a time) you take in 12 months.

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Your Admiral policy will cover trips to: 

• Northern Ireland
• England
• Scotland
• Wales
• The Isle of Man
• Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.  
 

Yes. This policy covers each insured adult, whether travelling on your own or together.

It’s not a legal requirement to have cover, but it’s sensible so you aren’t left footing the bill yourself should something happen. For example, the average cost of treating a broken leg (including repatriation) in Dominican Republic is a hefty £25,000. Take a look at our Getting Ill Abroad page for more information on the true costs of medical treatment across the world.

Yes, you do – travel insurance is mandatory when travelling to Cuba. You may be asked to show proof of travel insurance when you arrive and you’ll need to make sure you’re covered for your whole trip.

You don’t have to have cover to take a trip to Morocco, but it’s worth having so as not to be left out of pocket should the worst happen.

If you’re travelling to Mexico, you'll need to select the Worldwide level of cover. 

Having cover when you travel isn't a legal obligation, but consider if you could pay the medical bill if something happened. In Australia, getting you home with a broken leg can cost £12,000. See our Getting Ill Abroad map for more information on medical costs for common illnesses in holiday destinations.

If you're travelling to Europe it may be cheaper to get a European travel policy rather than worldwide cover. Check out our European Travel Insurance page to find out more 

Yes, we can provide worldwide cover for customers up to the age of 75 years for annual multi trip policies – and up to 85 years for single trip policies.

However, the age limit and level of cover we can offer will depend on your personal information and details of your holiday.

Please get a quote or contact us to find out more.

If you need medical treatment after an assault, Admiral Travel Insurance will cover you, unless you’ve put yourself in needless danger (other than to save someone’s life).

Travel insurance is designed to cover you against the unexpected. If you’ve picked a fight with someone and ended up injured because of it, your claim may not be successful as you put yourself at risk.

Pregnancy isn’t considered a pre-existing medical condition, so there’s no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.

We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There’s also no cover if the carrier denies you boarding.

You won’t be covered if you travel to a country which the Foreign, Commonwealth and Development Office (FCDO) has advised ‘against all travel’ or ‘against all but essential travel’. 

Yes - you must buy travel insurance while you're still in the UK; you can’t take out Admiral cover one you’ve gone through Customs. 

If you’re planning a ski or snowboarding trip to any of Europe’s spectacular mountain resorts, you’ll need to add our Winter Sports upgrade onto your policy to be covered for the trip. Without it, your policy won’t be valid.

To be covered for a cruise trip, you must add our cruise cover upgrade. Without it your policy won't be valid.

In case of a serious medical emergency during your trip, please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777 before going into hospital or incurring medical expenses over £500, so we can help you.

For non-medical emergency claims:

• For policies renewed before 5 May 2020, call our claims team on 01243 218 437. Our lines are open Monday to Friday 8:00-20:00 and Saturday 9:00-16:00
• For policies bought or renewed after 5 May 2020, call our claims team on 0333 234 9914. Our lines are open Monday to Friday only 9:00-17:00

While Turkey straddles eastern Europe and Asia, Admiral Travel Insurance classes Turkey as Europe, so our European cover on single-trip or annual cover is what you need.

When buying Admiral Travel Insurance, Iceland is classed as Europe. The island is located between north America and mainland Europe.  Interestingly, Reykjavik is both the northern-most and western-most capital city in Europe.  

For travel insurance purposes, Cyprus is classed as in Europe by Admiral Travel Insurance. If you’re travelling to Cyprus, it’s important to be aware of the north/south divide in the country.

The north is run by Turkey and accepts the Turkish lira for currency. Whereas the south is mainly inhabited by Greek Cypriots and accepts the Euro.

Neither the GHIC nor the EHIC are valid in the Republic of Cyprus (northern Cyprus) but they're accepted in the south. If you’re travelling to Cyprus it’s important to have insurance in place should you need medical attention.

Russia, west of the Urals, is covered by Admiral’s European travel insurance. The Ural Mountains approximately run from north to south in western Russia and forms part of the conventional boundary between the European and Asian continents.

You’ll need a visa to travel to Russia and it’s best to apply in plenty of time. For more information visit the Russian Embassy’s website.

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

If you decide you don’t want to travel because of Brexit and end up cancelling your trip, you won’t be able to claim. Not wanting to travel isn’t a valid cancellation reason for claiming.

It’s always best to have insurance when you go away, but you need to make sure you’re covered to work too. We cover you if you’re working in an office or waiting tables, but any paid or unpaid manual work isn’t covered.

If your routine vaccinations are up to date, you’ll need no extra jabs to visit Australia.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

If you need cruise cover, you’ll need to add it to your policy as an upgrade. Find out more about our Cruise Travel Insurance upgrade.

If you have pre-existing conditions, you can still travel to Australia – you just need to declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions.

Yes you do, and you’ll need to apply in person at a Visa Application Centre. Find out more on the FCDO website. Your passport will need to be valid for at least six months when you enter China.

There are no specific vaccination requirements for China but your doctor may recommend the following:

• Hepatitis A
• Hepatitis B
• Rabies
• Tetanus
• Tick-borne Encephalitis
• Typhoid

Cholera and Japanese Encephalitis are recommended for the highest risk people.

You should make sure your usual recommended vaccinations and boosters for life in Britain are up to date.

It’s not a legal requirement, but think about what you’d do should the worst happen when you’re in China. Having travel insurance is a good idea to make sure you don’t end up out of pocket, particularly if you need medical treatment.

China is a relatively safe country to travel around by yourself. But all travellers should keep an eye on their money and valuables – don’t fall victim to pickpockets or scammers.

Other than that, the most challenging thing is likely to be the language barrier.

The FCDO advice states that China isn’t an unsafe country, but scammers do tend to operate in tourist areas. You may be invited to a bar for a massage or tea tasting, only to be told you need to pay a huge fee and possibly even threatened.

You should also check the QR sticker on bikes before renting them, as there have been instances in the past when the correct sticker has been replaced with a fake one, with the money going into an incorrect account.

Your travel insurance covers theft of your personal belongings, money or documents, but you must report the theft to the police or your travel operator within 24 hours of discovering it. You’ll need to get a written police report (or a Property Irregularity Report from your transport operator if the theft happened when they had your things).

Since January 2011, there has been significant political turmoil in Egypt with violent protests and terrorist attacks. Before booking a trip there, be sure to the check the latest FCDO travel advice. Some areas of Egypt are listed under the 'advise against all travel' category – if you travel to one of these places your travel insurance will not be valid.

Yes, British passport holders need a visa before entering Egypt. You can buy one online before you go from Visa2Egypt, which will be valid for three months, or at the airport on arrival, which will be valid for 30 days. They cost US$25.

Egypt is classed as part of Europe for Admiral Travel Insurance, so you’ll be covered with our European Travel Insurance.

There aren’t any specific vaccinations for travel in Egypt if your routine vaccinations as recommended in the UK are up to date.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

The NHS Fit For Travel website recommends checking your primary courses and boosters are up-to-date, including a tetanus. You could also consider vaccinations against Hepatitis A, Hepatitis B, and rabies for your trip to Turkey. For more information, read our guide to travel vaccinations.

No, the GHIC and EHIC don’t work in Turkey so you’ll need travel insurance in place or enough money to cover the cost of any medical treatment you receive.

The Turkish government advises you should have at least six months validity on your passport when you travel to Turkey. You should also have a full blank page for the entry and exit stamps.

Read more about Turkey’s entry requirements: Travelling to Turkey? Don’t forget your e-Visa.

You can travel to Turkey with pre-existing conditions if you declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions.

British citizens don’t usually need a visa for short term travel in Canada, but you may need one if you’re staying for a longer period for study or work. Find out if you need a visa by checking the Canadian High Commission website.

If you’re flying into Canada, you’ll need an electronic travel authorisation (eTA), and you won’t be allowed on your flight without one. Find out more about the eTA and apply online by visiting the official Canadian government website.

It’s not compulsory to have travel insurance when travelling in Canada, but it’s definitely worth having. Could you afford to pay for medical treatment or replace lost luggage out of your own pocket if the worst were to happen?

As long as you have enough time to cover the duration of your stay, you’ll be fine. You don’t need any additional time on your passport when travelling in Canada.

You can drive a car in Canada if you have a full UK licence, but you should always carry your licence with you. Some car hire companies require you to have an International Driving Permit, so check with your car hire company before you travel. You should also take out full insurance to make sure you’re covered, as your travel insurance won’t cover you.

British citizens don’t usually need a visa for short visits to Canada – you’ll need an Electronic Travel Authorisation (eTA), which you must apply for before you travel. To find about more about the eTA and apply online, visit the official Canadian government website.

If your routine vaccinations as recommended in the UK are up to date, you don’t currently need any other vaccinations when travelling to Canada – although you should check if you need a rabies booster.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

You don’t have to have travel insurance for Canada but it’s a good idea to make sure you’re covered if you fall ill or have an accident when travelling there. Medical care in Canada can be expensive, and the average cost of medical procedures is £14,615 – find out more in the cost of getting ill abroad.

You can travel to Canada if you have a pre-existing condition as long as you declare it when you’re buying your cover. Read more about travelling with medical conditions.

Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:

• Lost luggage
• Travel disruption
• Lost or stolen belongings

But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy.

You’ll be covered up to the limits shown on your policy for any reasonable, necessary costs relating to emergency medical, surgical and hospital treatment. This doesn’t include treatment in a private facility, or anything carried out in your home country after returning home.

COPD is a pre-existing condition and must be declared when buying your insurance.

Cancer is one of the pre-existing conditions you need to declare when buying your insurance.

HIV is one of the pre-existing conditions you need to declare when buying your insurance.

Epilepsy is one of the pre-existing conditions you need to declare when buying your insurance.

If you have a pacemaker, it’ll need to be declared to us when you take out the policy (or when you have it fitted if this is done after you’ve taken out the policy). You can still get travel insurance with a pacemaker.

Declaring your medical details will ensure you are buying a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

Unfortunately Admiral is not able to offer cover in these circumstances, but there are other specialist insurers who may offer cover for travellers in the above circumstances.

Please make sure you take enough medication to last your entire trip and include extra to allow for travel delays that may occur.

If you run out of prescription medication because you were unable to return home as planned because of illness or injury, we will pay for the cost of additional medication (a policy excess may apply).

If your medication is lost or stolen, we'll refund you the cost of replacing it (a policy excess may apply).

Our Cruise Travel Insurance covers you if you’re taking a sea cruise, but it’s not needed if you’re going on a river cruise. If you’re going on a river cruise, your standard travel insurance will cover you.

No, you can get this add-on at any age.

Our travel insurance and upgrades cover pretty much everywhere in the world except for countries the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'. You can see the full list on the Foreign & Commonwealth Office website

No, in order to buy Admiral Travel Insurance and its upgrades you must be a permanent resident of the UK, travelling from and returning to the UK.

Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing, windsurfing and snorkelling. For the full list of activities we cover please see your policy booklet.

You can get our Cruise Travel Insurance if you have pre-existing conditions, but you need to make sure you declare them all when you’re buying your travel insurance. Read more about travelling with medical conditions.

It’s a good idea to buy your Cruise Travel Insurance as soon as you book your cruise. That way, if you have to cancel your cruise before you’re due to travel, you’ll be able to claim your costs back.

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

We don’t offer the upgrade to anyone over 75 years old for trips within Europe and over 70 years old for trips outside of Europe.

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500.

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, mono-skiing, snowmobiles, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

While there's no restriction on seasonaires buying our cover, the add-on's limited to 21 days in total so we couldn't cover a seasonaire for the entire season.

Our winter sports insurance covers people up to and including the age of 75 if you’re travelling in Europe.

We don’t cover anyone over the age of 70 for winter sports if you’re travelling outside Europe.

Our winter sports travel insurance upgrade covers:

• Lost, stolen or damaged ski equipment
• Piste closure
• Delay caused by avalanche
• Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.

You can add up to two adults and a maximum of five children to the cover. Simply add on our winter sports upgrade for cover on the slopes.

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria.

You can cancel, but you won’t be able to make a claim through your travel insurance. Travel insurance won’t cover customers for "disinclination to travel" i.e. not wanting to travel.

There is no cover under any section of our policy if you travel to a country or area where the Foreign, Commonwealth and Development Office (FCDO) advises against ‘all travel’ or ‘all but essential travel’. If you’re not sure if there’s advice against travel for your destination, please check the FCDO website.

The World Health Organisation (WHO) declared Coronavirus a 'pandemic' as of 11 March 2020.

Here are some useful external links for guidance on your entitlement in the Coronavirus situation.

1. To review your rights for trip cancellations and refunds visit ABTA
2. Customers planning to travel should refer to the Foreign, Commonwealth and Development Office (FCDO) Coronavirus travel advice page and sign-up to e-mail alerts
3. UK citizens overseas can review travel advice for the country they're visiting to help plan accordingly
4. Civil Aviation Authority gives information for customers, holidaymakers and the industry on Coronavirus

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and consider the steps outlined in 'How can I make a claim?' below.

There’s no cover for costs incurred for cancelling or cutting short your trip because of general travel restrictions, quarantine rules imposed upon arrival or return in any country or the financial impact of needing to quarantine such as loss of earnings.

There’s no cover for cancelling or cutting short your trip if you’re refused entry to your destination or because you don’t meet the country's entry requirements including any health requirements. Please refer to your policy terms and conditions. 

You should speak to your travel provider as they may be able to help you, and you should continue to monitor the FCDO advice.

Unfortunately, we won't cover claims due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

If you have not yet travelled and you had flights arranged as part of a package holiday you'll have ATOL protection, meaning you'll either be reimbursed or the company you booked with will find alternative flights.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.  

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you're already abroad, you should either contact your tour operator, if the flights were booked as part of a package, or you'll need to arrange a new flight to return home and pay for the new ticket. You should then seek a refund for the cost of the original flight, using one of the above methods.

ABTA has more information.

You may find that some of your planned excursions or tours have been cancelled. As these have been cancelled by the provider, you should seek a refund from them directly.

If the reason you’re travelling is for an event that’s since been cancelled, you won’t be able to make a claim for cancelling your whole trip for this reason. 

If you paid for a service directly with your debit or credit card, and the retailer hasn't provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.

How does Coronavirus affect my cover?

Your travel insurance policy has a general exclusion for Covid-19 and anticipated events. We’ll provide cover for Emergency Medical and Repatriation if you test positive for Covid-19 provided you aren’t travelling against FCDO advice and Cancelling or Cutting short your trip for the reasons specifically listed under 'Section 3’ of your policy wording. Please refer to your policy documents for full terms and conditions.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later.

Am I covered for cancelling or cutting short my trip if the FCDO advisory against travel remains in place or the FCDO changes its advice to against 'all' or 'all but essential travel' for my destination?

There is no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential. There is also no cover for cancelling or cutting short your trip if the FCDO advises against 'all' or 'all but essential' travel due to Covid-19 before or during your trip (for example, the FCDO advises that travellers abroad MUST return home).

You should speak with your travel agent, airline, hotel or accommodation provider as you may be able to reschedule your trip or get a refund. If you’re on your trip, as long as the FCDO hasn’t advised travellers at your destination to come home, you’ll still be covered as per your policy terms and conditions while you finish your trip. It is your responsibility to monitor the FCDO advice for any changes.

Please refer to your policy terms and conditions.

I was diagnosed with Covid-19 before my trip and must self-isolate/quarantine. Am I covered for cancellation?

If you test positive for Covid-19 within 14 days of your trip departure date and you’re required to quarantine or self-isolate, you can make a claim for cancelling your trip provided it was not an anticipated event. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate at the time of booking your trip, buying your policy or extending your cover.)

You can register a claim online. You’ll need to provide proof of a positive Covid-19 test as certified by a registered medical practitioner, a registered lateral flow test or if the lateral flow test can’t be registered, an acceptable letter from the NHS confirming the positive Covid-19 result. Photographs of a lateral flow test are not acceptable evidence. Please refer to your policy documents for full terms and conditions.

Am I covered for cancellation if my close relative, travel companion or close business associate contracts Covid-19 before my trip?

There’s no cover if your close relative, travel companion or close business associate contracts Covid-19 before your trip if they’re not named on your policy.

We’ll cover cancellation costs if your close relative (as defined in our policy wording) is hospitalised or dies within the 14 days prior to your trip departure date as a result of contracting Covid-19, provided it was not an anticipated event. (For example, you had no reason to believe they may have Covid-19 or they were not diagnosed with Covid-19 at the time of booking your trip, buying your policy or extending your cover).

Please refer to your policy terms and conditions for full details.

I have been denied boarding on my prebooked outbound travel due to symptoms of Covid-19 or testing positive for Covid-19. Am I covered?

If you have symptoms of Covid-19 or you test positive for Covid-19 and this was the confirmed reason for being denied boarding, you will be covered for cutting short your trip, provided it was not an anticipated event.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate).

You can register a claim online. You’ll need to provide proof of a positive test from a registered medical practitioner. Please refer to your policy documents for full terms and conditions.

Am I covered for cancellation if I need to self-isolate as a result of potential exposure to Covid-19 (e.g. NHS track and trace)?

There’s no cover for cancelling your trip because you choose to or were recommended to self-isolate due to potential exposure to Covid-19 (e.g. NHS track and trace), unless you need to self-isolate because one of your named travel companions has tested positive within the 14 days prior to their trip departure.

What happens if I get Covid-19 (Coronavirus) while abroad?

You’re covered for emergency medical treatment under Section 1 Emergency Medical Treatment and Repatriation up to your selected policy limits as long as you didn’t travel against FCDO advice, and it wasn't an anticipated event. For example, you had no reason to believe you had Covid-19 when travelling or you didn't travel against the your GP's advice.

You're also covered up to £1,000 per person for any additional travel and/or accommodation costs if you need to quarantine or self-isolate on your trip. However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.

If I contract Covid-19 and am unable to come back to UK on my planned return date or am quarantined on my return to the UK, am I covered?

General quarantine requirements imposed on a population or area are not covered. If you’re unable to finish your trip as planned due to contracting Covid-19 and need to quarantine abroad, your cover will be automatically extended for you at no extra cost and we will provide cover as stated under Section 1: Emergency Medical and Repatriation until you can reasonably be expected to return home.

The cover will only apply if you did not travel against FCDO advice and the need to quarantine was not anticipated. (For example, it was not publicised before you travel, you had no reason to believe you had Covid-19 when travelling and you did not travel against medical advice.)

You should contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as possible if you're put into quarantine or isolation so assistance can be offered if necessary.

Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. You should speak to your tour operator or resort manager to arrange this. However, if this is not the case you can submit a claim for consideration.

Associated costs such as loss of earnings due to your isolation are not covered.

If I’m unable to return home on my planned return date due to Covid-19 related travel disruption, travel restrictions or quarantine rules, am I covered?

There’s no cover for additional costs incurred due to Covid-19 related travel restrictions, travel disruption or quarantine rules imposed by any government or local authority on a population or area in any country. However, if you are unable to finish your trip as planned due to a delay that can’t be avoided, which includes flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably be expected to return home.

If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself.

The FCDO has advised against travel to my destination due to Covid-19 but my travel provider has advised my trip is going ahead. Am I covered for cancellation?

It’s highly unlikely that travel providers would arrange a trip against FCDO advice. There’s no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential.

If the flight is operating but you follow FCDO advice and do not travel, there is no cover for cancellation under your policy as per our Coronavirus general exclusion. You should contact your travel provider for a refund or to reschedule your trip.

My airline/travel/accommodation provider has cancelled my booking due to Covid-19. Am I covered?

There is no cover for this scenario. If your booking has been cancelled by the company organising your transport or accommodation due to Covid-19, you should be offered an alternative booking, credit voucher or a full refund.

Am I covered for costs incurred as a result of being quarantined on my return from a red list country?

There is no cover for costs as a result of needing to quarantine upon return.

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and follow the applicable steps below.

If you've booked your trip through a tour operator or agent, you're entitled to a refund from them. You can review the Travel Arrangements Regulations here.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.  

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you’re unable to recover some or all your costs, you can register your claim online or by calling 0333 234 9914.

Please only register your claim if you’ve:

• Returned from a trip and need to claim 
• Had a trip cancelled and you’re due to travel within the next 30 days and your airline, tour operator or accommodation provider won’t reimburse your costs or make alternative travel arrangements for you

If you’re abroad and have a medical emergency (hospital treatments likely to incur medical expenses over £500) or need to cut short your trip, please call our 24-hour emergency assistance helpline on +44 292 010 7777.

Once your claim has been registered, we'll be in touch to ask for: 

• Confirmation of the original booking, and which parts are non-refundable 
• Evidence you’ve tried to get your money back through the airline, tour operator or accommodation provider 
• Other supporting evidence relevant to your claim

You’ll need to provide proof of a positive Covid-19 test as certified by a registered medical practitioner, a registered lateral flow test or if the lateral flow test can’t be registered, an acceptable letter from the NHS confirming the positive Covid-19 result. Photographs of a lateral flow test are not acceptable evidence. Please refer to your policy documents for full terms and conditions.

You’re covered for emergency medical treatment under Section 1 Emergency Medical Treatment and Repatriation up to your selected policy limits as long as you didn’t travel against FCDO advice, and it wasn't an anticipated event. For example, you had no reason to believe you had Covid-19 when travelling or you didn't travel against the your GP's advice.

You're also covered up to £1,000 per person for any additional travel and/or accommodation costs if you need to quarantine or self-isolate on your trip. However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.

We cover personal accident up to the policy limits and personal liability cover up to £3 million, for winter sports activities listed in the winter sports cover section of our policy wording except Snowmobile/Ski-Doos which excludes personal accident and personal liability cover. Please note, this cover cannot be added to the Snowmobile/Ski-Doos activity for an additional premium.

While there's no restriction on seasonaires buying our cover, our winter sports cover is limited to a maximum of 21 days per policy term so we would be unable to cover the entire season.

If you completed a quote with us on or after the 08 January 2022 and your new trip dates are within 365 days of when the policy was purchased, you can amend your policy trip details through our secure online portal here.

If you are unable to amend your trip dates online, please contact us to discuss this further.

From 26 April 2021, we’ll provide cancellation cover to existing customers for the reasons specifically listed in Section 3 of our most recent policy wording. This new section of cover will apply regardless of when you bought a policy with us.

For any further queries, please refer to the FAQs in the 'New Customers: I want to buy a new travel insurance policy' section.

There is no cover for additional costs incurred by you if you had to rebook any part of your trip due to Covid-19.

The amount we pay you depends on how long you've owned each item you're claiming for. We'll pay the full purchase price for anything less than a year old. For older items, the table below shows how much we'll take off your claim amount. Policy excess will apply.

Items over 12 months old are subject to wear and tear deductions.