Club M Travel Insurance

• Any loss or theft not reported to the police within 24 hours. Travel Guard needs a police crime reference number or evidence of ownership before they can assess a claim.
• Certain specified items (including glasses, sunglasses, bikes, tablets and phones) and certain circumstances (for example: if you leave your item unattended in public).
• Medical claims relating to pregnancy or childbirth if the pregnancy is over 26 weeks along or medical conditions that Travel Guard has not agreed to cover.
• Claims related to medical conditions or circumstances you knew about before you went on the trip.
• Any costs that airlines are typically responsible for, like food and drinks if there is a long delay.
• Claims made for sports that aren't covered or if the advised safety gear wasn't used (for example: not wearing a helmet on a bike).
• Claims arising from quarantine or travel restrictions relating to a current or previous epidemic or pandemic declared by the World Health Organisation or any official governmental body or health authority.
• Anything already covered by gadget, mobile, car or home insurance (like bicycles, cars, phones, tablets, glasses and lenses).

Yes, cover is provided for

• your husband, wife or partner providing they are under 75 years of age and permanently live with you.
• up to 4 dependent children providing they are under 18 years of age and either in full-time education or living with you. This includes fostered and adopted children.

No. They can benefit from the cover even if you’re not travelling with them. Children under the age of 18 can travel separately to the Club M Account holder if they are travelling with a relative, guardian or person with a duty of care.

No. You’re fully covered for any number of trips so long as no single trip is for longer than 31 days.

You can upgrade your policy to cover trips for up to 45 days or 62 days – by paying an additional premium. If you would like to upgrade your cover call 01273 740 981.

No. You don’t need to provide your trip details before you travel. You are covered so long as no single trip is longer than 31 days (unless you have purchased an upgrade to cover longer trips) and you are not travelling to a country excluded under the policy.

We won’t cover claims for trips in, to, or through any of these countries (this includes booking a trip to one of these countries, even if you don’t go).

Cuba, Iran, Syria, North Korea, the Crimea region, the Donetsk People’s Republic (DNR) and Luhansk People’s Republic (LNR) regions of Ukraine or anywhere the Foreign, Commonwealth and Development Office has advised against ‘all’ or ‘all but essential’ travel. Please check the foreign travel advice website Link opens in a new window for more information.

You must call Travel Guard on 01273 740 983 to tell them about a pre-existing medical condition if:

1. Have you or anyone insured on this policy received medical advice, treatment or medication for any of the conditions below?
   1. Heart or circulatory conditions. For example, heart failure, angina and valve disease.
   2. Cerebrovascular conditions, such as strokes or any type of aneurysms. This doesn’t include having high or low blood pressure or cholesterol.
   3. Any respiratory conditions related to smoking. Respiratory conditions affect your breathing, such as emphysema or COPD.
   4. Any birth defects or genetic conditions that have resulted in a physical disability.
   5. Cancer.
   6. Organ transplants.
2. In the last 12 months have you or anyone insured on the policy:
   1. Been referred to see a specialist, or been added to a waiting list to see one?
   2. Been referred to or visited a hospital for any tests or treatments? This includes if you’re on the waiting list to visit a hospital.
   3. Seen a medical practitioner more than once for the same condition?
   4. Been prescribed two or more medications?
   5. Changed any medication you’ve been taking?

You will not be covered for any claims related to any of these pre-existing medical conditions unless Travel Guard agrees to cover them.

If you have a policy upgrade to cover pre-existing medical conditions, it will last for 12 months. The expiry date will be shown on your upgrade endorsement. You will need to call Travel Guard before the policy upgrade ends if you want cover to continue even if there is no change to the conditions declared. There may be a change to the cover provided or premium charged. This is due to a new assessment being made each year.

When you call, Travel Guard will be able to confirm if they can continue to provide the cover and if so, whether they can provide the cover at no additional cost or if there will be an additional premium.

Unfortunately, Travel Guard can’t cover some of your conditions and not others – cover will either be provided for all of them or none of them.

MoneyHelper has introduced a directory of travel insurance firms who can help consumers with existing medical conditions access travel insurance that covers their conditions. This will help customers better understand how and where to get more affordable insurance if they are travelling with a medical condition(s). For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).

If you would like further information, please visit the MoneyHelper website Link opens in a new window or call 0800 138 7777.

You must call Travel Guard on 01273 740983 if your answers to any of the medical questions change to ‘yes’, or if your health changes in any other way. This includes if anything changes between when you booked the trip and travelling. If you don’t, it might mean Travel Guard won’t pay a claim related to that illness.

By paying an additional premium you may be to upgrade your policy to include cover for business trips. Call Travel Guard on 01273 740 981 to find out more or email virginmoneytravel@travelguard.com for further details.

Yes, cover is provided in the United Kingdom if you stay in pre-booked accommodation for at least two nights away from where you usually live.

Yes, your trip via cruise is covered under our standard terms and conditions provided the cruise does not travel in, to or through Cuba, Iran, Syria, North Korea, the Crimea region, or the Donetsk People’s Republic (DNR) or Luhansk People’s Republic (LNR) regions of Ukraine, or anywhere the Foreign, Commonwealth & Development Office advises against ‘all’ or ‘all but essential’ travel. The medical expenses limit for cruises within the UK is £10,000. Outside the UK the medical expenses limit is £10,000,000. You can see your full policy wording here Link opens in a new window. If you need cover for cruise-specific events like cabin confinement, missed port and unused excursions you will need to buy specialist cruise cover, this is not something covered under this policy.

Travel insurance cover for adults will end on their 75th birthday, and for dependent children on their 18th birthday.

For alternative insurance you may wish to visit Moneyhelper or call 0800 138 7777.

Moneyhelper has introduced a directory of travel insurance firms who can help consumers access travel insurance that covers their needs.

You can find all the info you need on the coronavirus and your Club M travel insurance page.

There are two ways to get a copy of your policy wording:

Download it online

You can save a copy from our website.

• Dive into the detail - Your Club M Account Insurance Policy Wording(PDF, 1.97MB)

Ask us to send you a copy

If you'd rather, we can send you a copy. Use Live Chat in the Virgin Money Mobile Banking app or call us on 0800 121 7465. We're here to help from 7am to 9pm Monday to Saturday, and 10am to 5pm on Sundays.

Yes. If you update your address in the app, we will automatically update your address on your insurance policy. Please note that this can take up to 3 working days.

Your insurance cover starts the moment you open your Club M Account but if you have any pre-existing medical conditions these may not be covered until you have completed medical screening with Travel Guard.

We will notify you when Travel Guard has your details so that you can complete a medical screening with them if you have any pre-existing medical conditions. It will take up to 3 working days after opening the account for you to receive confirmation by SMS that Travel Guard can complete the screening. You will not have cover for any pre-existing medical conditions until you have told Travel Guard about them, and they have agreed to provide cover.