Virgin Travel Insurance - leave your worries behind with our comprehensive travel insurance

All Virgin Travel Insurance policies will cover you for the essentials when you travel, including emergency medical and travel expenses and legal help. You’ll also be covered 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.

Policies purchased on or after 1 June 2010

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.

Policies purchased between 3 August 2009 and 31 May 2010

If you bought Virgin Travel insurance between 3 August 2009 and 31 May 2010 you will not be covered.

However, if you are still in the UK and you have bought a single trip policy and you accept an alternative flight for a later date, we will be happy to transfer your cover to your new travel dates. If you do not wish to take up the offer of re-arranged flights we will refund your premium. If you are abroad and returning to the UK we will automatically extend your policy until you return, free of charge. Any additional accommodation and travel costs which you incur are not covered under this extension.

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.

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:

• Travelling against medical advice.
• Any existing medical conditions we haven't agreed to cover.
• Hazardous sports or activities we haven't agreed to cover.
• Visiting countries the Foreign and Commonwealth Office advises against travelling to (you can find their latest travel advice at www.fco.gov.uk).
• The excess amount you have to pay towards a claim (unless you’ve opted for an ‘excess waiver’ in which case you’ll only pay an excess on declared medical conditions or dangerous activities).

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 wont 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.fco.gov.uk).

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 traveling 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 8.30am - 5.30pm Monday - Friday.

Make an emergency claim
call +44 (0) 207 748 8908.

Calls will be recorded. *Max call charge from a BT landline is 5p per minute to 0844 numbers and 7.91p per minute to 0870 numbers. Calls from other networks may vary.

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.

If you find yourself in this position, The Civil Aviation Authority, under their ATOL scheme should be able to help you. You can contact them on the numbers below:

UK: 0207 453 6700
Overseas: 0044 203 441 0846

Or visit their website www.caa.co.uk.

If you are abroad and trying to get home

We will extend your cover until you return to the UK.

If you are yet to travel & have re-booked an alternative holiday

We will be happy to move your insurance to cover your new travel dates. You must contact us within 30 days of the travel company going in to administration to arrange this. Call us on 0844 888 3901.

Virgin Travel Insurance is arranged by Insure & Go Insurance Service Ltd and underwritten by Mapfre Asistencia. Mapfre Asistencia is a leading international insurer with their head office in Madrid.

If you bought your policy between 3rd August 2009 and 31 May 2010
Your policy is underwritten by Europ Assistance Holdings Ltd. They will continue to provide your cover until your policy expires. If you have an annual policy, the underwriter will change to Mapfre Asistencia on renewal.

If you bought Travel insurance before 3rd August 2009
Your policy would have been underwritten by UKI Insurance Limited. Once your policy expires, you will need to apply for a new policy. You can either do this online or call us on 0844 888 3900.