Virgin Travel insurance - information on:
Adverse weather conditions Find out more
Travel to areas of civil unrest Find out more
Travel during strike or industrial action Find out more
Travel during a natural disaster Find out more
What to do if my travel company goes into administration Find out more
All Virgin Travel Insurance policies provide cover for the essentials when you travel, including emergency medical and travel expenses and legal help. You also have cover if your holiday is cut short or cancelled.
In addition, each option has its own features and benefits. Click on the links below to see what’s covered under each type of insurance.
Single trip travel insurance
Annual multi-trip travel insurance
Backpacker travel insurance
Over 65s travel insurance
Winter sports cover is free with all our annual travel insurance or you can choose our specialist single trip winter sports cover.
Whichever you choose, you’ll be covered for damaged, lost or stolen equipment, piste closure and medical expenses. It also covers on and off-piste skiing and snowboarding.
Yes, we cover 40 hazardous activities automatically on all our travel insurance policies.
Plus you can add on 'additional activities' subject to additional coverage fees, call 0844 888 3900 to find out more.
If the activity you’d like to do isn't listed, please give us a call and we’ll try and arrange to add it to your cover.
If you have travel delay and abandonment cover included in your policy, we will consider claims relating to volcanic ash.
Please note: Our Backpacker & Red single trip policies provide cover against abandonment of your holiday but do not cover delayed travel.
Essentials policies purchased via moneysupermarket
All Essential’s policies purchased via Moneysupermarket.com do not include cover for travel delay and abandonment, so you will not be covered. However, we will be happy to transfer your cover to your new travel dates if your flight had to be re-arranged as a consequence.
Remember, you should speak to your flight provider, tour operator or accommodation provider about getting a full refund in the first instance.
If you are worried about whether your flight will be affected, passengers are advised to check with their airlines before travel.
We do cover many pre existing medical conditions as standard, but in order to ensure you are covered, call us on 0844 888 3900.
Yes, you need to include any information in your application that you feel might prevent you from travelling. This also includes any pre-existing medical conditions of your immediate family who aren’t travelling.
Remember to let us know if you or a close family member's circumstances change before you travel.
Call us on 0844 888 3900 and we'll talk it through with you.
This is when you have to pay the first part of a claim. Most sections of your travel insurance policy will have an excess.
You'll find details of the excess for each part of your policy in the relevant section of the policy booklet.
Yes. You can pay a little extra so your policy includes an ‘excess waiver’ which means there won’t be an excess to pay on any of your claims.
However there will still be an excess to pay on claims for declared medical conditions or dangerous activities.
The following aren't covered by Virgin Travel Insurance:
Please also see the exclusion sections in the policy document.
Yes. The main policyholder needs to be 18 or over. There's no minimum age for people travelling with you. Up to 3 under 18s are included free with each adult on all our travel insurance.
The maximum age for our cover is 75. However if you’re over 65 the maximum you'll be covered for on any one trip is 31 days.
No, you can include people living at different addresses. Unless it is a Family policy when everyone named on the policy must live at the same address.
Yes, if you've got annual cover. Our 'couple' and 'family' policies automatically cover you all independently on your travels. So whether you have a family holiday or the children go off on school trips, you're all covered.
Single trip policies only cover people going on the same trip so you won't be covered if you travel separately.
Yes as long as you have booked accommodation for two or more nights in a row.
Please be aware that for the purpose of this insurance the United Kingdom is defined as England, Scotland, Wales & Northern Ireland and does not include the Channel Islands or the Isle of Man.
If you stay in the UK the NHS should cover your medical needs but without travel insurance you won't be compensated if you have to cancel your trip because of ill health.
Please be aware that for the purpose of this insurance the United Kingdom is defined as England, Scotland, Wales & Northern Ireland and does not include the Channel Islands or the Isle of Man.
The Channel Islands & Isle of Man are deemed to be part of Europe for the purposes of this insurance.
If you have a European Health Insurance Card (EHIC) this will cover the cost of treatment for most medical emergencies in an EU country. However it doesn't include things like ambulance or airlift call-outs or the cost of getting home.
It also won't cover you if you have to cancel a journey or cut it short because of illness.
Virgin Travel Insurance doesn't cover you if you're visiting countries the Foreign and Commonwealth Office advises against travelling to (you can find their latest travel advice at www.gov.uk/fco).
For other exclusions, please read the policy document.
With annual multi-trip policies you can travel as many times as you like during the year, as long as no single trip lasts longer than 45 days (31 days for over 65s). Under our Gold and Black cover, if you’re 65 or under the maximum length of a single trip is 90 days.
As many as you like, our different levels of cover offer trip duration limits which range from 31 days to 90 days.
With our winter sports cover you can have up to 17 days a year on and off-piste (or 24 days if you have Gold or Black cover).
Single trip cover can last up to 365 days.
If you have trouble while you're travelling make sure you report any incident to the authorities within 24 hours and then call us to make a claim.
If you need to make a claim or speak to us about an existing claim
call 0844 888 3902
Lines are open 9.00am - 5.00pm Monday - Friday.
Click here for current call charges and information. Calls will be recorded.
You will receive a letter from us three to four weeks before your policy cover expires explaining what you need to do in order to renew your policy, if you wish to renew your policy prior to receiving this letter please call us on 0844 888 3903 to arrange this.
Before you take out your cover, please check you're happy with everything in the policy document.
If you wish to cancel your policy please call us on +44 (0)207 748 0656 or email customer.services@travel.virginmoney.com.
Virgin Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd, is arranged by Insure & Go Insurance Services Ltd (Company No. 04056769), and underwritten by MAPFRE ASISTENCIA, Compania Internacional de Seguros y Reaseguros, S.A. (Company No. FC021974, Branch No. BR008042) trading as MAPFRE ASSISTANCE and subject to limited regulation by the Financial Services Authority. Details about the extent of our regulation by the Financial Services Authority are available from us on request.
Or call on 0844 888 3900
8am to 10pm, Mon to Fri
9am to 5.30pm, weekends.
Calls are recorded for training and quality purposes.
