Ready to dive into your next adventure? Check out our full list of covered activities tailored to each of our policies. Can't find your activity on the list? No worries! Just chat to our friendly customer service team who will confirm if we’ve got you covered.

In a medical emergency, we've got your mountain rescue costs covered, provided you're at a known location. However, search and rescue from unknown locations or for non-medical reasons aren’t included. For the full details, please check out the medical emergency section of our policy.

We’re always innovating to bring you the best. Now, every policy includes coverage for over 150 activities as standard! Discover what’s covered here.

Planning a snowy escape? Make sure you’re fully protected by upgrading to our specialist Winter Sports Multi Trip policy. This ensures you and your equipment are covered while you hit the slopes. You can upgrade your policy in the Customer Area.

Curious about what adventures we cover? Take a look at the full list of activities we cover, organized by policy type. If your activity isn’t listed, no problem! Just talk to our customer service team who will let you know if we can provide coverage.

Our Winter Sports policies cover both on and off-piste skiing and snowboarding within resort boundaries as standard. Make sure to select this option during your quote journey for proper coverage. If you've already purchased your policy, it's easy to upgrade.

Enjoy winter sports like skiing, snowboarding, and ice skating with our coverage. For a detailed list, visit our Winter Sports activities page.

Coverage varies based on your equipment, chosen activity, and selected cover level. Log into your Customer Area to review your policy wording for specifics.

This is not something we offer cover for. You can see which activities we can cover in our list of activities.

Yes, this is one of the many activities we cover as standard. For more information about other activities covered as standard, please click here. We also have a Golf Extension that you add to your policy for a nominal fee to cover for specific golf coverage. To add this to your policy, please log in to the Customer Area.

You can find more information about the countries we cover for travel insurance under our destination countries and regions page.

Can't find your destination on our list? Search by the specific country you're traveling to. We cover nearly all countries, except those restricted by FCDO advice. Check the FCDO website more details on advice for specific countries.

Visit our 'Help Centre' on the website to find a comprehensive list of countries we cover, including specific coverage areas. Easily search for your destination by clicking here.

Explore our comprehensive list of covered countries and their specific coverage areas in our 'Help Centre' on the website. Simplify your search for specific destinations by checking our destination countries and regions page.

We're always evolving our products and services to better serve you. Click here to see which destination country or region grouping your travel country falls under.

The Channel Islands fall under our Europe destination group. If you reside in these islands, you are treated as a UK resident for policy purposes.

The Isle of Man and Isle of Scilly are included in our Europe destination group. If you live on these islands, you are considered a UK resident for policy purposes.

For stopovers under 24 hours, you don’t need additional geographical cover. For instance, if you’re covered for Australia and stop over in the USA briefly, your Australia cover suffices.

Yes, we cover UK holidays where you have booked and paid for accommodation for two nights or more, equivalent to three days.

Please check travel restrictions for England, Scotland, Northern Ireland, and Wales, as regulations may vary. Always review the government and FCDO’s foreign advice checklist before travel. Trips against FCDO advice are not covered, so verify this before booking or departing. Stay updated with the latest advice and sign up for email travel alerts on each destination’s travel advice page.

Turkey spans both Asia and Europe, with 95% in Asia and 5% in Europe. While it's part of Europe but not in the EU, many insurance companies exclude it from European coverage. Our policies cover Turkey under Worldwide excluding USA, Caribbean & Canada. Click here to see which category each country falls under.

Cyprus, despite its political EU membership, is geographically closer to the Middle East. Therefore, it may be categorized differently by insurers, such as under the Mediterranean or Asia/Middle East regions. Our policies cover Cyprus under Worldwide excluding USA, Caribbean & Canada. Click here to see which category each country falls under.

Unfortunately, this is not something that we offer. The full policy has to be purchased, covering all areas from cancellation to possessions to medical in order to be covered.

Medicare is really important as it will provide you with free or discounted healthcare and medicines if you were faced with a medical emergency. To enrol in Medicare you can download a form from the Australian Human Services website.

The Medicare card will provide you with free or discounted healthcare and medicines if you were faced with a medical emergency whilst in Australia. To access the medicare system you must be enrolled with them, you can download a form from the Australian Human Services website.

During the online quote process, we will ask you questions to determine if anyone on the policy has a medical condition or medical history that needs to be declared. If you've already purchased a policy, please chat to our friendly customer service team who will be able to help you.

To ensure proper coverage, it's important to disclose your medical conditions. While this may affect your premium, it's necessary for a valid policy. Failure to disclose could void your policy during a claim, which we want to avoid! At OpenTravel, we understand everyone has a medical history and use Protectif, a specialist screening tool, to fairly assess risks and offer accurate pricing for all policies.

If you forget to declare a medical condition or there's a change in your health, don't worry. We'll send you a summary of your information for review and if anything's missing or changed log into the Customer Area to make any updates. You can also ask your doctor to review your medical screening summary. Without this information, in the event of a claim, it might not be covered. We'd rather you let us know to ensure full coverage than risk a claim being declined due to undisclosed information.

Please let us know if you or anyone on this policy has been diagnosed with or treated for:Heart or circulatory conditionsStrokes or high blood pressureBreathing or respiratory conditions (including asthma)Cancer (even if in remission)Diabetes (including diet-controlled)Irritable bowel disease (e.g., Crohn's, diverticulitis)We also need to know if you or anyone on this policy:Are currently taking prescribed medication (excluding common colds, flu, or contraception)Are awaiting tests, treatment, or a non-routine hospital appointment Have seen a medical professional in the last 2 years, including hospital or clinic visits"

No. If a declared condition has been excluded from cover, this means the insurer will not provide cover for any claims relating directly or indirectly to that condition.

Yes, we can provide cover for psychological conditions such as stress, anxiety, depression and eating disorders, but only if these have been declared to us and we have accepted cover for these conditions in writing.

This depends on where you are travelling to and the sort of medical treatment that you require.Our policy wording sets out what to do depending on which country you have travelled to and can be found under the 'Medical Sections of Cover'. Please log into your Customer Area to check this information. If you need to make a claim, please refer to our claims information page.

Please pass all correspondence received to the claims team who will handle it on your behalf. Please do not respond to the collecting agent, just forward on to the claims team.

No, please send anything like this straight to the claims team by clicking here. If you have an existing emergency medical expenses claim, please forward the original invoice to our claims team quoting your claims reference number and they will arrange payment of the invoice. If you have not submitted a claim, please start one by clicking here making sure you include the original invoice along with any supporting documentation requested for your claim.

Your medical excess will only apply to claims which are related to the existing medical conditions that you declared, and for which an additional excess has been applied. For example, if you had to cancel your trip due to your condition then your medical excess would apply as well as the standard policy excess, however if you needed to cancel due to a completely unrelated event, then the standard policy excess would apply.

Please contact our 24 hour emergency assistance team by calling them on 0333 005 1065. You will need to have your policy details and policy number to hand to verify your cover. Their role is to guide and advise you, and to liaise with the treating doctors where appropriate. If you have to make any payments relating to sickness overseas please remember to hold onto all the receipts as you'll need these when making a claim.

Don't worry, provided you have contacted our medical assistance service your policy will be automatically extended to cover you until it is agreed that you are fit to travel home. Our medical assistance service will liaise with you and, where necessary, with your treating doctor to decide when you are fit to travel.

You do not need to declare learning disabilities as a medical condition, but you may need to declare any medical conditions that may come as a result of that. If you are in any doubt, please chat to our friendly customer service team who will be able to assist you.

No, deafness is not a medical condition and will not need to be mentioned.

If you have ever had cancer, and have had the all clear, even if over 5 years ago, it will still need to be declared on your travel insurance policy. If you are in any doubt, please chat to our friendly customer service team who will be able to assist you.

Yes, any heart condition that you have ever had, even if over 5 years ago, will still need to be declared on your travel insurance policy. If you are in any doubt, please chat to our friendly customer service team who will be able to assist you.

If anything changes, please log into your Customer Area and complete a Change in Health.

No. Our policies provide cover for emergency medical expenses during your trip, and as cosmetic surgery is elective (instead of an emergency) it is not covered under any of our policies.

Many medicines have at least 2 different names: - the brand name — created by the pharmaceutical company that made the medicine - the generic name - the name of the active ingredient in the medicine Please try both and if you are still unable to find it, please chat to our friendly customer service team who will help you further.

If you cannot find your medical condition on our list, try typing just the first few letters of the conditions. If this still doesn't bring up your condition, at the bottom it will say 'Unable to find your condition?' Click here and follow the instructions to add it in! Alternatively, you can chat to our friendly customer service team who will be able to assist you.

If you need to see a doctor whilst on holiday, do not hesitate to do so, there may be a charge for this, however if you are in Europe and have a EHIC/GHIC card this means that you should not have to pay an additional cost. You can contact our assistance team on +44 (0)123 456 7890, the team is available 24 hours a day, every day of the year.

You will need to declare the medical condition or reason for you being on clinical trial, our medical questionnaire will advise you if we are able to provide you cover

Medical reports are only required if you are admitted to hospital for treatment and our emergency assistance team require medical reports from the hospital. They will always advise if they were to need one and the reasoning why.

At OpenTravel we understand that everyone is different, and shouldn't be labelled or pigeonholed just because they have a certain condition. That is why we use the specialist Protectif Medical Risk Rating on our policies.Protectif has been created to capture more detail about a customer's individual circumstances and condition, allowing it to more accurately assess the risks and offer a fairer price.The system works by asking you to list your prescribed medication and then the conditions they are linked to, which ensures nothing is accidentally forgotten, and also helps treating doctors if you are taken ill or injured abroad.

At the moment our current system does not support the ability to be able to go back during the medical screening. We completely understand this is incredibly frustrating, however we are currently in the process of developing a newer version of our medical risk rating tool, where this function will be available which will be coming to you later in 2024! Until then, chat to our friendly customer service team who will be able to help you.

No, Travel Insurance is not Private medical insurance; we cover emergency medical treatment which cannot wait until you return home from your trip, with the aim of ensuring you are well enough to return to the UK, which may include cutting your trip short, or to continue your trip as planned.

Our policy covers urgent treatment during your trip. Sometimes, the best care is in public hospitals worldwide. They may not be fancy, but they're safer than some private hospitals, where unethical practices can occur. If there's no public hospital easily accessible, we may consider treatment at a private facility, but our 24 hour medical team must approve it first.

It is important that you disclose all medication that you are prescribed as your travel insurance needs to match your medical history. This is to avoid any claims being denied relating to a medical emergency, or medication related.

Unfortunately not, we require this to calculate your BMI, this is needed to accurately screen your medical conditions and provide you with the best possible medical cover.

A 121 screening occurs when the medical screening that we have gone through for you requires more in-depth questions to be asked. This is sent over to our in-house medical team who will then go through the screening with you on a 121 basis to confirm if we can offer cover.

Yes, our Medical Assistance team will work with the hospital/clinic and, where cover is agreed, issue any guarantee of payment necessary. Please contact them directly on 0333 005 1065.

Unfortunately, at the moment we are unable to transfer the medical screening results from one policy to another so a new screening will have to be completed when purchasing a new policy.

This travel policy only covers emergency medical expenses for illnesses or injuries that happen during your trip. It doesn't cover general check-ups or routine medical care.

If you have a change in medical circumstance before you travel you will need to let us know, so we are able to update your medical screening. As per the policy wording, this could lead to either an increased premium/excess and exclusion on the condition or in some circumstances withdraw cover. Please update this information in your Customer Area.

No, we do not expect this to be declared to us.

Sorry, but we can't move the medical screening from one policy to another. We understand it's a bit of a hassle, but we'll need to do the screening again. This ensures we have the latest information and don't overlook anything.

It depends on what needs to be changed. If you log into your Customer Area, you can change a lot of the information online.Some changes such as to an email address, DOB or medical will need to be done through our team. Please chat to our friendly customer service team who will be able to assist you.

You don't have to get a COVID vaccination for the policies. But if you don't have the required vaccinations for the country you're visiting, the policy won't cover cancellation or medical expenses. Click here to visit the NHS site for up to date information regarding vaccines.

This will depend on the condition that you are needing to declare. In some instances we are able to offer a policy however the condition may be excluded from cover and anything directly or indirectly related to it. In other instances, we may not be able to provide cover. Please chat to our friendly customer service team who can help you further.

Our system at present holds over 4000 medical conditions and 1500 medications. Which means there is at times conditions and medications that may not be available. If you cannot find the medication, we are happy for you just to screen the condition that you take that medication for. Alternatively, if you can't find your condition, please chat to our friendly customer service team who will get the information we need for our dedicated medical team to help with finding a solution for this trip whilst we work away in the back ground to get it added for your next insurance policy!

We define 'procedures' as providing treatment for a condition, rather than for investigative purposes. i.e. we would not need to know that you have had a colonoscopy but we would need to know the outcome if anything is diagnosed following this.

We understand as part of someone's ongoing conditions that these do require regular monitoring be it by blood tests or even scans. If this is part of your routine monitoring of a condition then this is something we can cover. If you are ever in doubt, just chat to our friendly customer service team who can help you.

Any medication (oral/IV/Injections) that you are receiving to maintain or manage your cancer

A medical premium is an extra premium added to your regular insurance cost. It's there to cover the additional risk presented by any health conditions you tell the insurance company about.

To keep your premiums lower, we apply a medical excess to claims related to disclosed medical conditions, in addition to the standard excess.Please note that the excess waiver does not cover the medical excess.

There could be a number of reasons as to why we asking for you to phone in. Please don't be alarmed. Give us a call on 0333 005 1062, quoting your reference number and a member of dedicated team will happily go through the details you have inputted online to find the source of the problem.

All medical declarations are valid for 30 days. After this period, the medical declaration will need to be recompleted.

We know we are different, and recognise the other medical risk rating tools do not ask for medications. However, in our 25 year experience in travel insurance and medical declarations. We have found declarations that are done with our in house medical risk rating tool Protectif give better and more accurate screenings as it is prompting you for everything that we need to make a valid assessment.

At the moment our current system does not support the ability to be able to edit an incorrect answer that has been inputted. We completely understand this is incredibly frustrating, however we are currently in the process of developing a newer version of our medical risk rating tool, where this function will be available which will be coming to you later in 2024! Until then, chat to our friendly customer service team who will be able to help you.

During the online quote process, we will ask you questions to determine if anyone on the policy has a medical condition or medical history that needs to be declared. If you've already purchased a policy, please chat to our friendly customer service team who will be able to help you.

As soon as you are able, give them a call so they can help you. They can liaise with the hospital for any follow up communications as well as making sure that you have received the care and medical intervention required. Please call them on 0333 005 1065.

If you have already created an account on our Customer Area, you can log in and request the documents to be emailed to you. If you have not yet registered you can easily do so here.

If you have received your documents be sure to check your spam and junk folder as they can go into there sometimes, if they have not turned up, you can log in to our customer area and get your documents re-sent.

Unfortunately, we do not have the facilities to offer braille documents but we are able to offer larger text documents.

In addition to essentials like your passport and boarding passes, you can easily access your insurance documents whenever you need them by logging into your Customer Area by clicking here. This means you don't need to print any documents unless you want to.We would also suggest that you make a note of our 24/7 Emergency Medical Assistance contact number (0333 005 1065) and your Policy Reference number, just in case.

Please contact our claims team who can help advise you further.

Generally speaking, the travel insurance industry as a whole doesn’t cover travel against FCDO advice to ensure safety and by travelling against this advice, you are putting yourself at known risk.. We suggest you check the FCDO website in relation to the country you are intending on travelling to.

If you need healthcare whilst travelling, make sure you visit a state hospital and take your GHIC or EHIC and your passport as proof of EU citizenship. In some European countries, such as Spain, you may be directed to a private clinic instead of a state facility; however the GHIC/EHIC is only recognised by state hospitals.

Fit to fly certificates are only required if you are travelling whilst pregnant or you have a medical condition that may worsen whilst flying. You will need to contact your airline to see if this is something you will need. We do not require this from you. Please remember if you are travelling with a medical condition you will need to declare it to us.

The GHIC card, which replaced the EHIC card, provides state hospital medical treatment in the EU, offering the same benefits as local residents. In some countries, like France, you may need to contribute to treatment costs. You can get a free GHIC card on the NHS website using your name, address, and National Insurance number. If accepted at a state hospital, your policy excess may be waived if costs are reduced. Please remember, GHIC/EHIC cards only cover medical treatment abroad, not repatriation (bringing you home) or other travel issues like cancellations or lost possessions. Travel insurance covers these additional needs.

The GHIC/EHIC card allows you to have treatment in state run hospitals as well as GP treatment for countries in the EU, this can include treatment for pre-exsiting medical conditions as well as materity care. Please do double-check on the NHS GHIC/EHIC website about where this will cover you. If you need medical treatment in the EU, present your GHIC/EHIC at the earliest opportunity and the medical facility will then advise you of any charges left to pay if any. Should you require in-patient treatment you will need to contact our 24 hour emergency medical assistance team.

This will be covered up to your chosen cover limit provided you qualify for redundancy payment under current UK legislation. You can log into your Customer Area to confirm what the limit is on your policy by clicking here. If you need to claim due to being made redundant, please refer to our claims information page.

Your policy covers the cost of taxi fares to and from a medical facility for your treatment or to collect prescribed medication. The coverage limit varies based on your policy level, so please check your policy details by clicking here and logging in to your Customer Area. Please note: Taxi fares for visiting someone in the hospital are not covered.

Please visit our dedicated Coronavirus Page for full information regarding this.

Please visit our dedicated Coronavirus Page for full information regarding this.

Our products are primarily for leisure travellers, but they can also be used for business trips. However, the policy may not cover business equipment, so check for adequate coverage. To ensure you have enough cover before purchasing, click here to review our cover levels.Please note that the policy doesn’t extend to cover manual work, which includes physical tasks like construction, installation, and caring for animals, but excludes certain roles like bar staff and non-professional musicians.For more information please check your policy wording.

The valuables and gadget cover available varies depending on the policy you have purchased. Please note that if you have home contents insurance your valuables may be covered aboard under this policy. For more information please visit the compare cover table or policy wording of your desired policy.

Wheelchairs, pushchairs and prams are only covered whilst being carried as luggage on public transport. The amount you are covered for can be found within your policy wording under the Personal Possessions section.

You are able to request an extension on your policy, but you need to do it before the policy expires. It will depend on the policy you have as to whether you can extend:

Longstay and Backpacker policies: You might be able to extend your policy based on your age, as long as your total trip doesn’t go over 18 months.

Multi Trip policies: These cover unlimited trips in a year, but each trip has a limit:

• Standard: 31 days per trip
• Premier: 31 days per trip
• Premier Plus: 45 days per trip (can be extended to 60 days)
• Premier Platinum: 45 days per trip (can be extended to 60 days)If you need more days per trip than your current policy allows, you can upgrade to a higher policy or add the 60-day extension by clicking here and logging into your Customer Area.

Please note: We can’t increase cover for just a few extra days. If you need coverage for trips longer than 60 days, consider our Single Trip policies instead.

You are able to request an extension on your policy, but you need to do it before the policy expires and it will depend on the policy you have as to whether you can extend:
Longstay and Backpacker policies: You might be able to extend your policy based on your age, as long as your total trip doesn’t go over 18 months.
Multi Trip policies: These cover unlimited trips in a year, but each trip has a limit:

• Standard: 31 days per trip
• Premier: 31 days per trip
• Premier Plus: 45 days per trip (can be extended to 60 days)
• Premier Platinum: 45 days per trip (can be extended to 60 days)If you need more days per trip than your current policy allows, you can upgrade to a higher policy or add the 60-day extension by clicking here and logging into your Customer Area.

Please note: We can’t increase cover for just a few extra days. If you need coverage for trips longer than 60 days, consider our Single Trip policies instead.

You can be covered for trips of up to 60 days in duration if you purchase the 60 day extension which is available under our Premier Plus and Premier Platinum Multi Trip policies. Simply choose the extension on the options page of our quote process. If you have already purchased your policy, you can add this extension by clicking here and logging into your Customer Area.

No, this is not something that any of our policies will provide cover for.

Most of our policies cover Emergency dental work for the relief of pain only. Please login into the Customer Area to check your policy wordings for what you are covered for on your chosen policy.

This varies based on your policy type:Single trip: Covered between specified dates, up to 94 days depending on your age.Annual multi-trip: Covered for up to 31 days per trip, with possible extensions. Longstay/backpacker: Allows travel for up to 18 months, depending on your age. If you need to add an extension or upgrade your policy, log into your Customer Area

Our policies cover various work abroad, including bar and restaurant jobs, but not manual labour, which includes physical tasks like construction and working with animals. If you want further clarification for anything specific, please click here and a member of our team will be able to assist you.

The gadget cover provides an increased single article limit to items that are considered as gadgets. You can find the definition for what we define as a gadget in our policy wordings by clicking here.

This is not something we would encourage as this means your policy is not meeting your needs. However, we can still offer cover but please be aware that in the event of a claim we will only pay out the amount stated in your policy. Please remember, all cover limits on your policy are per person.

Please contact our claims team who can help advise you further.

Generally speaking, the travel insurance industry as a whole doesn’t cover travel against FCDO advice to ensure safety and by travelling against this advice, you are putting yourself at known risk.. We suggest you check the FCDO website in relation to the country you are intending on travelling to.

Yes of course! We understand that although you may want to pop to the slopes you may also need a beach holiday too at some point within the year.The Winter Sports policy just ensures you are covered correctly for yourself and your equipment during Winter Sports activities.

We cover over 150 activities as Standard. We can cover Motorcycling (maximum 125cc, and passed CBT training, wearing a helmet)‡ under this standard cover.For more information on other activities we cover as standard, please click here.Please note: All of the activities are covered on a non-professional and non-competitive basis unless otherwise stated. All Activities marked with an asterisk () indicate those which do not have Personal Liability cover and those marked with a (‡) indicate those which do not have Personal Accident cover.

Yes, this will be covered up to your chosen cover limit provided you qualify for redundancy payment under current UK legislation. You can log into your Customer Area to confirm what the limit is on your policy by clicking here. If you need to claim due to being made redundant, please refer to our claims information page.

We always welcome feedback! You can leave us a review on Trustpilot.

We do not currently have a downloadable app. However, you can log onto our website where we have a very user friendly Customer Area where you can see a range of things from your previous policies to your quotes and amend any personal information.

Our call centres are based in Someplace, UK, as well as in Somewhere, India.

We are sorry to hear of your loss. If someone on the policy has passed away, make contact with our emergency assistance team a someone there will help you further.

Please ensure that you are using the same email address that was used when you purchased the policy. You would have also received a verification email when setting up your customer area. Please click the verification link. If you have not received this email, please check your junk and spam folders first as this is a common issue. You can request the email to be resent.

You can amend almost any personal and medical information in your customer area. If you are wanting to amend your email address or date of birth, please chat with a member of our team who will help you to do this.

You will need to contact us to amend the email address you have used to register your account. In order to do so, use the online chat and a member of our team will be able to help you.

You can register very easily in the Customer Area on our website.

You will need to contact us to delete your account. In order to do so, use the online chat and a member of our team will be able to help you.

For up to date contact information, please check our Complaints Page.

The formal written response to your complaint, outlining the investigation conducted by the team and their findings.

If you feel we haven’t addressed all your concerns or need to provide more information, please let us know. Full complaints contact information can be found by clicking here.If you’re still unsatisfied or we can’t resolve it within 8 weeks, you can seek an independent review from the Financial Ombudsman Service (FOS). FOS is a free and impartial agency for resolving disputes between regulated firms and clients.You will need to contact them within 6 months of our response. You can reach FOS by email, phone, or mail. Visit their website for more information: www.financial-ombudsman.org.uk

Make sure you tell us your name and policy reference number, claims number or assistance reference. We’ll also need to know the reason for your complaint, and how best to contact you.

We will acknowledge receipt of your complaint within 5 working days. Our complaints team will then investigate and respond to your complaint as soon as possible. You will receive a final response in writing from us within 8 weeks.