Coronavirus (Covid-19)/Pandemic Statement:

This policy provides cover for claims as a result of pandemic and/ or epidemic, including but not limited to Coronavirus (Covid-19) within the following sections:

• Section 1 – Emergency Medical Expenses (including Event D under Section 15 – Cruise Cover) (due to COVID-19).
Our policy provides cover for Emergency Medical expenses if an insured person contracts Coronavirus whilst abroad.

• Section 4 – Cancelling & cutting short your trip
If it is necessary and unavoidable to cancel or cut short your trip because an insured person tests positive for Coronavirus within 14 days of your trip departure date, or is admitted to hospital due to testing positive for coronavirus after the purchase of this policy.

DESIGNED FOR

Individuals and families requiring good levels of travel insurance cover for their holiday/trip.

SPECIAL FEATURES

3 levels of cover to choose from – for those looking for the highest levels of protection, Premier Plus is available on both Single Trip and Annual Multi-trip policies and includes:

• Provides cover if an insured has to cancel due to being taken ill with COVID-19 **
• Emergency medical assistance & expenses up to £10,000,000
• Cancellation & cutting short a trip up to £10,000
• Cancellation cover and Emergency medical expenses (including Event D under Cruise cover) INCLUDE COVID-19 Protection**
• Baggage up to £3,000
• Personal money up to £1,500
• Extended journey disruption
• Gadget cover up to £1,500

** Please see the insurance policy for full Terms, Conditions, and Exclusions.

Children can travel independently from the insured adults on a Premier or Premier Plus policy if they are under the age of 18 years and have the permission of their parent and/or guardian and are accompanied by a responsible adult e.g. on a school trip.

Note: we cannot cover unaccompanied children.

End Supplier Failure – provides cover up to £2,500 on Premier & Premier Plus in the event the holiday/trip has to be cancelled due to the financial failure of your airline, travel, or accommodation provider and you are unable to recover your pre-booked travel and accommodation costs elsewhere.

Extended Journey Disruption (automatically included with Premier and Premier Plus) – cover for cancellation or additional expenses due to disruption caused by a natural disaster such as a volcanic eruption.

Gadget cover (automatically included with Premier & Premier Plus) – provides up to £1,000 (Premier) or £1,500 (Premier Plus) for theft, accidental damage, loss, breakdown, and unauthorised call/data use for your gadgets including: handheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smartwatches, smart glasses, head-mounted displays, handheld games consoles, portable DVD players, headphones, wireless speakers, MP3 players, iPods, and laptop computers (laptops are not covered for accidental loss and there is no cover provided under this section for drones), purchased as new in the UK or, in the case of refurbished items, not purchased directly from the manufacturer or network provider in the UK. Any device that was purchased as second hand or used, that is not a refurbished device that was sold with a minimum 12 month warranty; that is no more than 48 months old at the start date of your trip.

Dedicated ‘Cruise’ cover (automatically included on Annual Multi-trip Premier and Premier Plus, available as an option with Single Trip Premier and Premier Plus at an additional premium) – provides additional cover for missed embarkation following delay in travel; cancellation of a scheduled port visit following a change in cruise itinerary due to adverse weather or a change in timetable; cabin confinement following your illness, the hire or purchase of formal cruise attire should your baggage be delayed by over 8 hours, additional emergency medical assistance and expenses including ship to shore repatriation where medically necessary, and unused shore excursions due to being confined to bed.

‘Business’ cover (available as an option on Premier and Premier Plus at an additional premium) – provides cover whilst travelling for your business or occupation. Includes hire or purchase of business equipment should yours be lost, stolen or delayed and replacement staff cover in the event of your illness.

Travel Consumer Dispute – provides up to £10,000 with Premier (up to £50,000 with Premier Plus) for professional fees to pursue a compensation claim against a tour operator, travel agent, pre-booked car hire company, travel or accommodation provider.

Emergency cattery/kennel costs – cover for emergency boarding expenses for cats or dogs up to £500 if the return home is delayed because of illness or injury.

ACTIVITIES

A wide range of activities are automatically covered under Travel Plus with Activity Pack 1. Additional activities (Activity Packs 2 – 4) may be covered on payment of an additional premium. 

WINTER SPORTS

Winter Sports cover is automatically included on Annual Multi-trip Premier and Premier Plus providing cover up to a maximum of 21 days (Premier) and up to a maximum of 45 days (Premier Plus) during the policy period.

It is available as an option at an additional premium with Single Trip Premier and Premier Plus.

EXISTING MEDICAL CONDITIONS

An online medical screening service is available during the quote process for those who have an existing medical condition. In some cases an additional premium may be required. Alternatively, please call us 0203 488 7193. We are open Monday to Friday 9am – 5pm, closed bank holidays.

AGE LIMITS

Single Trip:

On the date cover commences you must be aged:
65 years or under at the date you purchase the policy for Essential cover
75 years or under at the date you purchase the policy for either Premier or Premier Plus.
If you are aged over 75, you can get a quote via our Free Spirit that has no upper age limit.

Annual Multi-trip:

On the date cover commences you must be aged:
65 years or under at the start date of the policy for Essential cover
75 years or under at the start date of the policy for Premier and Premier Plus cover.

TRIP LIMITS

Single Trip:

The maximum duration of any single trip is 94 days.

Note: If cover is required for longer periods, please go to our Long Stay Product which provides cover for single trip travel for periods up to 18 months.

Annual Multi-trip:

You can take an unlimited number of trips in a 12 month period.
Each trip you take must not be longer than:
– 24 days on Essential cover.
– 35 days on Premier cover.
– 60 days on Premier Plus cover (35 days if you are aged 70 years and over at the start date of your policy).

ELIGIBILITY

Available to UK residents who, at the time of buying their policy, have their main home in the UK and have lived in the UK for at least 6 months or hold a valid British residency permit or visa or are a British member of Her Majesty’s Armed Forces stationed overseas and are registered with a UK medical practitioner and are liable to pay taxes in England, Scotland, Wales or Northern Ireland.

You must also have been in the UK for a minimum of 6 months in the year prior to purchasing your insurance policy and you are in your home area at the time of purchasing this policy. Any trip that has begun when you purchase this insurance will not be covered.

Note: UK is defined as: England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Please see the Insurance Policy for full Insurer details.