Important information about your cover and Coronavirus (Covid - 19)
There's information for new and existing customers and answers to frequently asked questions on our Coronavirus page.
New Customers
Our Travel Insurance policy doesn't cover most claims relating to Covid-19, SARSCoV-2 or any future mutation or variation. This includes but isn't limited to cancelling or cutting short your trip, changes in FCDO advice after booking or any costs associated with being placed under quarantine in the UK or abroad. However, providing you're travelling to an area where no FCDO advice against travel exists we'll provide cover relating to medical emergencies and repatriation for Covid-19.
There's no cover under any section of our travel policies if you travel against FCDO advice.
UK Travel Insurance
A staycation is the perfect way to explore your immediate surroundings or even venture a little further afield in the UK. Whether it's pitching up on one of Britain's most scenic coastlines, driving or cycling the length of the country from Land’s End to John O’Groats, holidaymakers looking to stay closer to home are really spoiled for choice.
Do you need insurance for a staycation?
While you don’t need cover for medical expenses while holidaying in most parts of the UK thanks to the NHS, since April 2009 there’s been no NHS medical cover for UK travellers in the Channel Islands, so it's important to take out travel insurance for your holiday to Guernsey, Jersey, Alderney, Sark or Herm.
And travel insurance offers further cover for things such as inpatient travel expenses to and from the hospital, or if you need to return to your home area on the advice of a doctor.
Besides medical care, your UK travel insurance will also protect you against things like:
- Lost luggage or money
- Theft of sports equipment
- Cancellations
You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights for travel insurance to kick in.
Should I get travel insurance for domestic flights?
Despite the familiar surroundings, you can still encounter problems when you holiday in the UK. Cancellations or lost/stolen property could affect your trip, so it’s useful to know you're covered for every eventuality.
Admiral Travel Insurance gives protection against airlines losing your luggage and having to cut your trip short - this can happen just as easily in the UK, as well as abroad.
Choose from three levels of cover
Admiral |
Admiral |
Admiral |
|
|---|---|---|---|
Excess |
£100 | £75 | £50 |
Emergency medical treatment & repatriation (Limits up to) |
10M | 15M | 20M |
Cancellation or cutting short your trip (Limits up to) |
£1K | £2.5K | £5K |
Personal belongings (Limits up to) |
£1K | £1.5K | £2.5K |
Money & documents (Limits up to) |
£300 | £400 | £500 |
Read the full list of benefits in the policy summary booklet.
Admiral Travel Insurance breaks down travel into four zones:
- UK
- Europe
- Worldwide excluding USA, Canada, Caribbean and Mexico
- Worldwide
The UK zone covers England, Scotland, Wales, Northern Ireland, or the Isle of Man depending on where your home is, and three tiers of cover with increasing coverage and product benefits are available. You can choose between Admiral, Admiral Gold or Admiral Platinum to suit your needs best.
Do I need single or annual UK Travel Insurance?
Whether you’re planning just one summer holiday in a year or multiple trips, we have the cover you need.
Our single trip insurance is best for those who are not frequent holidaymakers, and covers you for one trip for up to 365 days.
If you plan on travelling more than once throughout a year, annual UK travel insurance is for you.
You’ll be covered no matter how many times you choose to travel (up to 31 days at a time, but this may be extended upon request).
UK travel insurance extras
If sight-seeing isn’t your thing and you want to include sports in your staycation, we have a few optional extras for you to think about adding to your insurance.
Skiing
If you’re planning on making the most of the UK’s winter weather and hitting the slopes to ski or snowboard, you’ll need to add our Winter Sports upgrade to your cover. This protects against damage to your own, or hired, equipment and piste closures.
Golf
Golfers certainly don’t need to jet off to get their fairway fix - according to Golf Monthly, England is the number one golfing country in Europe with over 2,000 courses. Admiral’s Golf Travel Insurance upgrade protects your golf equipment, including clubs, if they're lost, stolen or damaged and pays for replacement equipment hire and lost green fees if you can’t get out on the course.
Staycation inspiration
10 Best UK Countryside Breaks
From castles to cottages, take a look at of 10 of the best countryside holidays around the UK.
Read more
Best UK cycling holidays
See the glorious countryside, improve your fitness and boost your eco‑credentials with a biking holiday.
Read more
Best UK staycation destinations
Visit the great destinations on your own doorstep - take a look at some of our favourite places in the UK.
Read moreWhy do I need travel insurance – won’t my home insurance cover me in the UK?
Contents insurance will usually include cover away from home, but it’s important to check which possessions you have cover for. Some things may need to be named as a ‘specified item’ on your policy so they’re covered while you’re travelling, for example a piece of jewellery or a camera worth over £1,000.
Admiral Contents Insurance offers up to £20,000 of cover for yours and your family’s personal possessions (worth up to £1,000 each) such as handbags, jewellery and laptops against any loss or damage.
What if I have a pre-existing medical condition?
A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.
You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.
Your pre-existing medical conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 in the last two years and sought medical attention, this needs to be declared on your policy.
If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
For a quote with us, click the green button above.
The Money Advice Service Medical Directory
If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. This directory has a panel of travel insurance providers who specialise in covering serious medical conditions.
Alternatively, you can call them on 0800 138 7777. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)
Getting the most out of your trip
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Travel insurance that suits you
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.
Travel Insurance upgrades
Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.