Does everyone covered have to live at the same address?
For all annual policies all people named must live at the same address. For single trip, the policy can include grown-up children, grandparents, etc living at different addresses.
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Yes.
Although an EHIC form covers the cost of treatment for most medical emergencies in an EU country, it doesn't include things like ambulance or air-lift call-outs and the cost of getting home. And if you have to cancel a journey or cut it short because of illness, you'll need to take out travel insurance if you want to be covered.
Remember the same holiday glitches that travel insurance helps you out with can still happen to you in the UK.
Though the good old NHS is there for you to cover medical needs, it won't help you a jot if your valuables are stolen, or compensate you if your journey's delayed or if you have to cancel your trip because of ill health.
If you've got annual travel cover you won't have to worry about sorting out insurance each time you pop off for a romantic long weekend snuggled up in a hotel (and let's face it, who bothers?). You'll just have extra peace of mind knowing your handy annual plan will help you out of a pickle if you need it.
Check out the policy document for what's covered when you travel in the UK.
Personal possessions, emergency medical and travel expenses abroad, if your holiday is cancelled or cut short and legal help.
For the amounts covered, see what's covered and for details of precisely what's covered, check out the policy document in all its glory.
Yes. Things like:
Check out the exclusion sections of the policy wording for more details.
The main policyholder needs to be 18 or over. There's no minimum age for people travelling with you.
Infants under 3 years old are included for free with any paying adult.
The maximum age for our annual cover is 74. There's no maximum age for our single trip cover.
Golf equipment that's damaged, lost, stolen or destroyed on your journey and loss of pre-paid green fees should the pre-booked course abroad become unplayable.
What's more, it also includes a special hole-in-one insurance that covers the cost of a round of celebration drinks at the 19th hole if you do have a stroke of luck from the tee.
Find out exactly what's covered in our policy wording.
If you've got annual cover, you betcha. Our 'couple' and 'family' policies automatically cover you all independently on your travels. So you'll be insured for that weekend in Wester Ross with your friends, and Jack and Poppy will be insured on their school trips.
With single trip cover, obviously you cover people going on the same trip. So you're not covered for other, independent trips.
It depends on the activity. For example under our annual cover you're insured for abseiling, but not mountain biking. Check out our policy wording to find out exactly what you're covered for.
For single trip policies, you can tag on 'additional activities' cover if you like.
To make a claim you need to report any incident to the authorities within 24 hours. Then call us on 0870 240 5147 if you're in the UK, or +44 1252 740 455 if you're out of the country. (You'll need to quote IGCS 1380.)
