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Medical and hospital

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Some of the things that aren't covered

  • Any treatment or surgery that can wait until you return home.
  • Any treatment you receive because of a medical condition or associated illness which you knew about in advance and didn't declare.
  • Any claim that results from you being involved in any malicious, reckless, illegal or criminal act.

Please refer to the Policy Document for all exclusions


Baggage and money

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Some of the things that aren't covered

  • Lost or stolen items will only be covered if you report them to the police and get a written police report.
  • Any item is only covered to the value of £200 (Red and Silver), £300 (Gold) or £500 (Black).
  • Items that you leave unattended unless they are in your locked accommodation.

Please refer to the Policy Document for all exclusions


Cancellation and cutting your trip short

If you have to cancel or cut your trip short for one of the reasons specified in the policy wording then we will pay up to the policy limit for travel and accommodation you don’t use and can’t claim back directly.

You’ll also be covered for coronavirus. If you, or a member of your family or travelling party, are medically diagnosed with coronavirus or personally instructed to isolate by an NHS service or medical professional.

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Some of the things that aren't covered

  • Cancellation because of a medical condition or associated illness which you knew about in advance and didn't declare.
  • Claims as a result of natural disaster (e.g. Hurricanes, Earthquakes etc) or civil unrest are not covered. Our Travel Disruption optional extra, which can be purchased when you buy your policy, offers certain benefits for a range of natural disasters and civil unrest.
  • Any claim that results from you being involved in any malicious, reckless, illegal or criminal act.
  • Any claim that results in you missing a connection flight.

Please refer to the Policy Document for all exclusions


Free cover for over 80 activities

We include 88 sports and leisure activities in all our policies with no additional charges, with a standard medical excess.

View the full list of 88 covered activities
  • Abseiling
  • Amateur athletics
  • Archaeological digging
  • Archery
  • Badminton
  • Banana boating
  • Baseball
  • Basketball
  • Bouldering (up to 4m with a crash mat)
  • Boxing training
  • Bridge walking
  • Bungee jumping (max 3 jumps)
  • Camel riding or trekking
  • Canoeing (not sea canoeing)
  • Canopy walking
  • Cave tubing
  • Clay-pigeon shooting
  • Conservation or charity work (educational and environmental - working with hand tools only)
  • Cricket
  • Cycling
  • Cycle touring
  • Dinghy sailing (including racing or crewing) inside territorial waters
  • Dragon boating
  • Dune bashing
  • Elephant riding or trekking
  • Falconry
  • Fishing (all types including Deep Sea)
  • Football
  • Go-karting
  • Golf
  • Hiking
  • Hockey
  • Horse riding (not polo, hunting or jumping)
  • Hot-air ballooning
  • Husky sledge driving
  • Ice skating
  • Inline skating
  • Jet boating
  • Jet skiing
  • Jogging
  • Kayaking (not sea kayaking)
  • Kite surfing (over water)
  • Lacrosse
  • Marathons
  • Motorcycling up to and including 125cc (not racing)
  • Mountain biking (not including downhill racing or extreme ground conditions)
  • Mud buggying
  • Netball
  • Orienteering
  • Paintballing (wearing eye protection)
  • Parasailing (over water)
  • Parascending (over water)
  • Passenger (in private or small aircraft or helicopter)
  • Rambling
  • Refereeing (amateur basis)
  • River tubing
  • Roller blading
  • Roller hockey
  • Rowing
  • Running (both sprinting and long distance)
  • Safari
  • Sand boarding
  • Scuba Scuba diving (qualified, max 30m) under 14 days (see note 1 on page 27 of policy document)
  • Segway riding/touring
  • Skate boarding
  • Sleigh rides
  • Snorkelling
  • Squash
  • Surfing
  • Swimming
  • Swimming with dolphins
  • Target rifle shooting
  • Tennis
  • Tree top walking
  • Trekking (under 2,000m)
  • Trekking (over 2,000m but under 6000m altitude)
  • Triathlons
  • Volleyball
  • Wadi bashing
  • Wake boarding
  • Water polo
  • Water skiing
  • White/Black water rafting (Grades 1 to 4)
  • Windsurfing and Yachting (racing or crewing) inside territorial waters
  • Yoga
  • Yoga teaching
  • Zip lining

Please note for some of these activities the cover is restricted to not providing cover under the personal accident or personal liability sections. See our policy wording Link opens in a new window for more information and which of these are covered for personal accident and personal liability.

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Personal accident and personal liability cover is cover for when you cause an accident. For example, if you cause an accident whilst playing netball (which has personal accident and personal liability included) you are covered. However, if you cause an accident whilst on a jet-ski (which doesn’t have personal accident and liability included) you will not be covered.

Any restrictions on personal accident and personal liability cover does not affect other policy benefits such as medical and other expenses.

Need cover for other activities?

If your activity is not included in the list above, please call us on 0330 400 1249 for a quote.


Optional extras cover

If you have chosen optional extras as part of your policy, you can check the level of cover below.

Travel disruption cover
Extended delayed departure coverUp to £1,000
Extended missed departure coverUp to £500
Extended accommodation coverUp to £1,000
Gadgets and valuables cover

The standard cover for gadgets and valuables on a Virgin Money Travel Insurance policy is between £200 and £600 depending on the level of cover you choose. However, you can increase the amount of cover to £1,000 or £2,000 if you choose our Gadgets and valuables cover during the quote process.

If you already have one of our travel insurance policies, you can add it to your cover by calling us on 0330 400 1249.

Option 1Option 2
Loss/Theft/DamageUp to £1,000Up to £2,000
Single Article limitUp to £500Up to £750
Unauthorised UseUp to £500Up to £1,000
Excess£50
(£75 for loss)
£50
(£75 for loss)
Adjustable excess levels
Standard excess
This is the standard excess which applies to your policy. Standard excess is £100 on our Red cover, £60 on our Silver cover and £50 on Gold, there is no excess on our Black cover.
Double excess
By doubling your excess your policy may be cheaper, but it's important you can afford the double excess if you need to claim.
Waive excess
If you choose to waive your excess you won't have to pay one if you need to claim, but the cost of your policy will be higher.
Winter sports cover

We automatically cover winter sports activities as standard on annual policies.

Winter sports cover for up to 10 days with our Red cover, 17 days with our Silver cover and 24 days with our Gold and Black cover.

RedSilverGoldBlack
Winter sports equipment (owned)Up to £200Up to £500Up to £1,000Up to £1,500
including:
Single article, pair or set limitUp to £100Up to £250Up to £500Up to £750
Hired total:Up to £100Up to £250Up to £500Up to £750
Ski hireUp to £10 per day up to £100 maximumUp to £20 per day up to £200 maximumUp to £50 per day up to £500 maximumUp to £75 per day up to £750 maximum
Ski packUp to £50 per day up to £200 maximumUp to £75 per day up to £300 maximumUp to £75 per day up to £450 maximumUp to £85 per day up to £510 maximum
Piste closureUp to £10 per day up to £100 maximumUp to £20 per day up to £200 maximumUp to £40 per day up to £400 maximumUp to £50 per day up to £500 maximum
Avalanche coverUp to £150Up to £250Up to £500Up to £750

The activities we classify as winter sports are:

  • Bobsleighing
  • Cat skiing
  • Cross country skiing
  • Downhill skiing
  • Freestyle skiing
  • Glacier walking or trekking (under 2000m)
  • Glacier walking or trekking (over 2000m but under 6000m)
  • Heli-skiing
  • Ice climbing under 100m (fully supervised)
  • Ice fishing
  • Ice hockey
  • Lugeing on snow/ice
  • Monoskiing
  • Off piste skiing/snowboarding (except in areas considered to be unsafe by resort management)
  • Recreational ski or snowboard racing
  • Skeletons
  • Ski acrobatics
  • Ski bob racing
  • Ski racing or training (non-professional)
  • Ski stunting
  • Ski touring (with a guide)
  • Ski/snowboard fun parks
  • Skiing
  • Snow mobiling
  • Snowboarding
  • Tobogganing
Cruise cover

If you’re travelling on a cruise, we offer bespoke cover as per the table below. You can add this during the quote process.

If you already have one of our travel insurance policies, you can add it to your cover by calling us on 0330 400 1250.

CoverExcess*
Missed Departure£1,000Yes
Cabin Confinement£100 per day
(max £1k)
Nil
Itinerary Change£100 per destination
(max £500)
Nil
Unused Excursions£500Yes
Cruise Interruption£1,000Yes

* The excess depends on what level of cover you purchase as follows:

Red cover £100, Silver cover £60, Gold cover £50, Black cover £0

Business cover
Business equipmentUp to £1,000
including:
Single article, pair or set limitUp to £500
SamplesUp to £500
Business equipment delayUp to £200
Emergency courier expensesUp to £200
Hiring business equipmentUp to £50 per day up to £500 maximum
Business moneyUp to £1000
including:
Cash limitUp to £500
Extra personal accountUp to standard benefit x 2
Extra baggage delayUp to £100 after the first 12hrs and up to £500 after 24hrs for purchases made

Download our policy document

Please read our Policy Document for full details of what we cover and to see the table of benefits. If you are an existing Virgin Money Travel Insurance policy holder, please login to the customer portal Link opens in a new window where you can view and download your policy documents.

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Virgin Money Travel Insurance is provided by InsureandGo

Call us on

0330 400 1250

We are here from 9am to 5pm Monday to Friday, including 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.

Need help?

Virgin Money Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd and is arranged and administered by Insure & Go Insurance Services Ltd. Virgin Money Personal Financial Service Ltd and Insure & Go Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. Insure & Go Insurance Services Ltd Registered Address: One Victoria Street, Bristol Bridge, Bristol BS1 6AA. Registered in England and Wales (Company Number: 04056769).Travel insurance is underwritten by MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, Sociedad Anonima, trading as MAPFRE Assistance, which is authorised by Dirección General de Seguros y Fondos de Pensiones and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request. MAPFRE UK Branch Registered Address: Dixon House, 72-75 Fenchurch Street, London EC3M 4BR. Company Number: FC021974. Branch Number: BR008042. Terms and conditions apply. Virgin Money Personal Financial Service Ltd. Registered in England and Wales (Company No. 3072766). Registered Office - Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Lines are open 9am – 5pm Monday – Friday. Calls will be recorded. Calls to 03 numbers cost the same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.

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