Cover for catastrophes including fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity including ash cloud, flood, tidal wave, tsunami, medical epidemic or pandemic are all included as standard on our Gold and Platinum policies. This cover is not included in our Admiral level policy. 

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.

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 will 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 is also no cover if the carrier denies you boarding.

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.

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.

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.

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.

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).

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.

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.

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.