Travel insurance, also known as holiday insurance, protects you and your family against unexpected costs while you're travelling or on holiday.
While it isn't a legal requirement, it covers the cost of things like medical expenses if you get ill or injured abroad, trip cancellation, stolen personal belongings and lost luggage.
Flexible Choice |
Choose Single trip or Annual Multi Trip cover with varying levels of cover and many sports and leisure activities included as standard. Additional cover available for Winter Sports, Golf, Gadget and Cruise holidays. |
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Cover when you need it |
We insure a wide range of medical conditions and pay up to £20million in emergency medical expenses. |
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Cover for young and old |
We don't think age should hinder adventure which is why we offer travel insurance to holidaymakers aged 18 to over 65. Children can be added to an adult's policy. |
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Access to our 24-hour Multilingual Emergency Helpline |
If you’re injured or fall ill while on holiday, you can call our 24-hour Emergency Assistance Helpline. |
Choose from three tiers: Admiral, Admiral Gold or Admiral Platinum cover.
Admiral |
Admiral
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Admiral
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Excess |
£100 | £75 | £50 |
Emergency medical treatment & repatriation (Limits up to) |
£10M | £15M | £20M |
Cancellation or cutting short your trip (Limits up to) |
£1.5K | £3K | £5K |
Personal belongings (Limits up to) |
£1K | £2K | £2.5K |
Money & documents (Limits up to) |
£300 | £400 | £500 |
Read the full list of benefits in the policy summary booklet.
Craving the adrenaline rush of hitting the slopes? Make sure you add on our Winter Sports Upgrade.
Taking to the seas on a cruise liner? Include the Cruise Upgrade.
Without these upgrades, your trip won't be covered at all.
Also consider the length of cover you need. Single Trip policies cover one trip up to 365 days while our Annual Travel policies cover you for 12 months. You can take an unlimited number of trips lasting up to 31 days on the annual policy.
No, it's not a legal requirement but it gives you cover against things like cancelled holidays, missed transports, missing luggage and injury while abroad.
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.
No, you would need to buy individual policies. Our definitions are:
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), 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).