Travel Insurance

Terrorism is excluded from all sections of the policy except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy).

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

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.

You must buy it while in the UK- you can’t take out Admiral cover once you have passed through Customs.

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.

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'll only be able to claim for cancellation due to pregnancy if your doctor advises against travel due to specific medical complications.

There is no impact on your insurance. While the UK has voted to leave the European Union, it will take time to negotiate our exit, and so for the immediate future the UK will remain a member of the EU.

No, you would need to buy individual policies. 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).

No, you don’t need to let us know if you’re travelling while pregnant. Our policies will cover you if any unexpected complications occur because of your pregnancy or childbirth. Our travel insurance doesn't provide cover for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care.

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.

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.

Yes, no matter which destination or area of cover you select when you buy your policy, your travel insurance will not cover you if you travel to somewhere the Foreign and Commonwealth Office (FCO) advises not to go to. For more information see the FCO's foreign travel advice page or call 020 7008 1500.

Under the emergency (medical) and other expenses section of your policy, you are covered for up to £350 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” (subject to your excess).

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.

Each insured child is only covered if they are travelling with a responsible adult.

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 details 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.

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

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.

You can take as many trips as you wish within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. Cover for extended trips may be available on request, subject to underwriting approval and payment of an additional premium.

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.

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

You can make a claim for the cost of extra transport, accommodation and administration costs you have to pay to get a replacement passport or emergency travel document. We’ll pay up to £300, £400 or £500 (depending on your tier of cover) towards these costs.

Please keep all receipts and obtain written confirmation from the embassy/consulate showing the date of the incident and cost of the replacement passport.

The maximum length of a Single Trip policy is 12 months. If you choose an Annual Multi-Trip policy you can take as many trips as you wish within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. Cover for extended trips may be available on request, subject to underwriting approval and payment of an additional premium.

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

No, we don’t charge any admin fees.

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, £1,500 or £2,000 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).

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.

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.

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250) 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, £2,500 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover* - If you decide to continue with your trip after being delayed for more than 24 hours or because your transport was cancelled and no alternative could be found within 24 hours of your original departure time, we’ll reimburse you (up to £500, £750 or £1,000 depending on your tier of cover) for additional transport and accommodation costs that matches the standard of what you’d originally booked.

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 travel insurance policy booklet for full details.

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.

No, Admiral is not able to offer policies for one-way trips. In order to be eligible for our policies, you will need to be travelling from and returning to the UK.

Yes, the age limit varies between 75 years and 79 years.

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.

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.

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).

Yes, the age limit varies between 70 years and 75 years.

Yes, 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.

If your annual multi-trip policy is due to end while you are 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.