Travel Insurance

Travel Insurance policies that suit you

We understand that not every holiday is the same, which is why we offer a range of excellent value policies, tailored to suit your needs. Wherever you are travelling to, whatever you are doing, we've got you covered.

Travel Insurance and the Coronavirus Outbreak (COVID-19)
You should check with the Foreign and Commonwealth Office (FCO) to ensure they are not advising against travel to your chosen destination.
If the FCO are advising against 'all' or 'all but essential' travel before you purchase a policy:
Most policies will not cover you for travel to that destination.
If the FCO change their advice after you buy your policy:
Some policies may provide cover. Cover for any disruption to your plans whilst you are away will vary by provider.
In all cases please check the policy wording of your chosen provider before buying.

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Why is Travel Insurance Recommended?

Travel insurance is essential for a good reason. It may not be the most exciting thing to add to your holiday plans, but it's important. Even when COVID and travel restrictions are no longer a concern, having the right travel insurance is a key part of everyone's travel must-haves.

The chance of getting sick before or during a trip, along with the habit of not thinking about things that could go wrong while away, shows why travel insurance is so important. Since holidays are a way to escape problems at home, it's important to protect against unexpected issues.

While the chances of problems are low, unexpected issues during a vacation can be serious. This is especially true for those planning trips they've been dreaming of for a long time. Losing out on these experiences can be expensive, so getting travel insurance is even more important.

Not having travel insurance can lead to significant financial consequences in the event of unexpected events or emergencies during your trip. Here are some potential costs and risks associated with traveling without insurance:

  • Medical Expenses: If you fall ill or get injured during your trip, medical expenses can be hefty, especially in countries where healthcare is expensive. Without insurance, you would be personally responsible for covering these costs.
  • Emergency Evacuation Costs: In case of a medical emergency that requires evacuation, especially from a remote location, the expenses for air ambulances or other emergency transportation can be pricey.
  • Trip Cancellation or Interruption: If you have to cancel or cut short your trip due to unforeseen circumstances like illness, family emergencies, or other covered reasons, you may lose the non-refundable portions of your bookings.
  • Lost or Stolen Belongings: Without insurance, you would need to bear the cost of replacing lost or stolen luggage, valuables, or travel documents.
  • Travel Delays: If your trip is delayed due to reasons beyond your control (e.g., weather, strikes, or mechanical issues), you might gain additional expenses for accommodation, meals, and other necessities.
  • Legal Expenses: Travel insurance often includes coverage for legal expenses in case you face legal issues while abroad.
  • Personal Liability: If you accidentally cause damage to property or injure someone, you may be held personally liable for the associated costs.
  • Repatriation of Remains: In the unfortunate event of a traveler's death, the costs of repatriating the remains to their home country can be substantial.

Having travel insurance provides a safety net, offering financial protection and assistance in navigating unexpected situations. While it involves an upfront cost, the potential savings and peace of mind it provides in case of emergencies often outweigh the expense.

Travel tips

When you travel abroad, it is important to plan for your trip well in advance, even if you are a seasoned traveller. The Foreign Office has great advice on their website about overseas travel, which we have reflected in our tips below:

  • Buy comprehensive travel insurance and declare any pre-existing medical conditions
  • Research the country you will be visiting, even if you have travelled there before. Find out if the Foreign Office has recommended against travelling to certain parts of a country or if there is a threat of terrorism
  • Check that your passport is valid - certain countries it needs to be valid for six months or more
  • Make copies of your passport and travel documents and store them separately to the originals
  • Visit your doctor to ask about travel vaccinations or for advice about travelling with a pre-existing medical condition if you have one
  • If you need to take medication abroad, store it in your hand luggage and get a letter from your doctor detailing your entitlement to medication. Take spare medication with you in case you are delayed on the way home
  • Research local laws and customs and pack clothing that abides by them
  • Take the number for Consular Assistance with you in case you run into trouble abroad. You can reach them on 020 7008 5000 (+44 20 7008 5000 if calling from overseas)
  • Visit the Foreign, Commonwealth and Development Office Travel Advice - click here

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