Here are some key features of our travel insurance. As with any insurance, policy limits and exclusions apply, so always read your policy book.
Cancelling or cutting your trip short
We cover reasonable and necessary emergency medical treatment costs if you get ill or injured in an accident abroad.
Lost or stolen personal belongings
You can claim up to your policy limits if your personal belongings or luggage are lost, stolen or accidentally damaged during your trip.
Delayed or missed departure
If your trip is delayed or you miss your transport due to certain unforeseen circumstances, we’ll cover reasonable expenses for accommodation and travel.
Personal liability and legal assistance
We’ll support you with legal costs to help you claim damages or compensation for injury, illness or death during your trip.
Specific COVID-19 related events
Read about how COVID-19 affects your travel insurance on our dedicated FAQ page.
Travelling with pre-existing medical conditions
If you have a pre-existing medical condition, you must tell us about it when getting a quote to see if we can offer cover and to avoid invalidating your policy. We can't cover your pre-existing medical conditions unless you've:
- declared them all on your policy
- had written confirmation that we'll cover your medical condition
- paid any additional premium in full
If you're unsure what to declare or unable to find your condition on the medical conditions list, please call 0333 234 9913.
Please note, if you've tested positive for COVID-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this must be declared on your policy.
Unfortunately, we can't offer cover for all medical conditions. If you have a serious health condition, we recommend using MoneyHelper's travel insurance directory or calling 0800 138 7777 (open Monday to Friday 8:00-18:00 excl. bank holidays).