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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.
Red: our lowest cost policy, with excess charges of £100 for each claim you make.
Silver: our standard policy, with excess charges of £60 for each claim you make.
Gold: increased cover, with lower excess charges of £50 for each claim you make.
Black: our top-of-the-range policy, with no excess charges.
Included in this cover
We pay up to the amount specified for emergency medical treatment and ambulance costs as well as your journey home, if it's medically necessary.
We will pay for every complete 24 hour period you spend in hospital as an in-patient (up to a total of the amount specified).
We 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.
We will pay for each 12 hours up to the amount specified for essentials to tide you over if your baggage or personal belongings are delayed on your outward journey.
We will pay up to the amount specified if your personal money is lost or stolen.
If your trip is cancelled, we will pay up to the amount specified for travel and accommodation costs you can't recover.
If the start of your outward or return international journey is delayed we will pay for each 12 hours of the delay (up to a total of the amount specified).
We will pay up to the amount specified for additional travel or accommodation costs if you miss your outward or return journey home.
Trip cut short
If your trip is cut short, we will pay up to the amount specified for travel and accommodation costs you can't recover.
The standard excess is the amount you pay towards a claim.
If you select double excess, the price of your policy will reduce but if you make a claim, the excess you will have to pay will be double the standard amount.
If you select excess waiver, the price of your policy will go up but if you make a claim, you won't have to pay an excess. Note: even if you select the excess waiver, you may still have to pay an increased medical excess if you claim because of a declared medical condition or sports / leisure activity.
You can change your excess level when you get a quote.
The excess applies to each person claiming, to each incident and to each section of the policy.
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: 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HJ. 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 8am – 10pm Monday – Friday, 9am – 5.30pm weekends. 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.