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A year of travels, covered

It’s never been more important to have the right travel insurance in place.

With Annual Multi-Trip Travel Insurance from us, you can have up to 94 days of worldwide cover for each trip you make – depending on whether you choose Red, Silver or Gold cover.**​

With virtually all medical conditions covered and a maximum age of 80, we’ve got your back no matter who you are or where you’re going.

**Max trip duration dependant on cover level.

Covid cover included
Cancellation and medical expenses are covered by us, as standard, if you’re diagnosed with Covid-19.*
Gadget cover as standard, plus optional extras​
From Enhanced Gadget and Enhanced Covid Cover – to cover for winter sports, car hire excess, and more (fees apply).
On hand to help, 24 hours a day, 365 days a year
Help is just a phone call away with our worldwide medical emergency assistance helpline. ​
Your policy at your fingertips
Looking after your policy is now a breeze, thanks to our handy new online portal – from downloading docs to making a claim, all in one place.

*Please check your policy wording for full details and any exclusions.​

Covered
for Covid

Covid cover comes as standard*, which means you'll have:​

*Please check your policy wording for full details and any exclusions.

Pick from three levels of cover

Defaqto - 3 Star

Red

Lowest cost policy, £100 excess payable (per person) for each claim you make.

Defaqto - 5 Star

Silver

£75 excess payable (per person) for each claim you make.

Defaqto - 5 Star

Gold

Highest level of cover, £50 excess payable (per person) for each claim you make.

Included in this coverRedSilverGold
Medical expensesWe pay up to the amount specified for emergency medical treatment and ambulance costs as well as your journey home, if it's medically necessary.£10,000,000£12,500,000£15,000,000
Cancellation or cutting short your tripIf your trip is cancelled or cut short, we will pay up to the amount specified for travel and accommodation costs you can't recover.£3,000£5,000£7,500
BaggageWe will pay up to the amount specified if your baggage or personal belongings are lost, damaged or stolen. Please note, we will take wear and tear and the decrease in value over time into account when we value your claim.£1,250£2,000£3,000
Personal moneyWe will pay up to the amount specified if your personal money is lost or stolen.£500£750£1,000
GadgetsGadgets can be any of the following items: Mobile phones, tablets, laptops and PC’s (including custom built), digital cameras, PC monitors, MP3 players, games consoles, video cameras, camera lenses, bluetooth headsets, satellite navigation devices, PDAs, e-readers, head/earphones, portable health monitoring devices (such as a blood glucose or blood pressure testing kit), wearable technology (such as a smart watch or a health and fitness tracker).£500£500£750
Missed departureWe will pay up to the amount specified for additional travel or accommodation costs if you miss your outward or return journey home.£500£1,000£1,500
Scheduled airline failureThis covers any unrecoverable costs of flights you have booked direct with an airline should they go out of business.£2,500£2,500£2,500
ExcessThe excess is the amount you pay towards a claim.

Note: you may still have to pay an increased medical excess if you claim because of an undeclared medical condition or sports/leisure activity. You cannot change your excess level, but you can change product levels.

The excess applies to each person claiming, to each incident and to each section of the policy.
£100£75£50

Five star cover

Our product features and benefits have been independently rated by the experts at Defaqto and our Silver and Gold products have been rated 5 star.​

Defaqto - 5 Star

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Fancy a chat?

If you would prefer to speak to someone, please give us a call.

Call us on

0330 175 8283​

Opening times

We're here from 9am to 5pm Monday to Friday. Closed Saturday, Sunday and Bank Holidays.

NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Calls may be monitored or recorded.

Need help?

Virgin Money Travel Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 305065 and administered by Hood Travel Limited, registered in England No. 08318836 at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211. The core elements of Virgin Money Travel Insurance are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). The Underwriter is Great Lakes Insurance SE (GLISE). GLISE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. GLISE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.