Claims & Cover FAQs#

Am I covered for cancellation of my holiday if I am made redundant?

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.

Will I be covered for taxi fares if I have to go to hospital?

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.

What does the COVID-19 extension cover and what is covered as standard?

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

What happens if I contract Coronavirus abroad?

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

Am I covered for business travel?

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.

Are my valuables and gadgets covered?

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.

Are pushchairs, prams and wheel chairs covered?

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.

Can I extend my ‘days per trip’ allowance before I travel?

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.

Can I extend my cover whilst I am away?

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.

On Multi Trip policies do you cover trips longer than 45 days?

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.

Am I covered if my pet is ill?

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

Am I covered for dental treatment?

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.

How long can I travel for on my 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

Am I covered to work abroad?

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.

What does gadget cover include?

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.

My holiday costs more than the cancellation amount, is that ok?

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.

I've lost my passport on holiday, what do I do?

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

Will travel insurance cover me if I travel against FCDO advice?

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 I purchase a Winter Sports Multi Trip policy am I covered for other holidays

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.

Am I covered to use a Motorcyle on holiday?

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.

Am I covered for cancellation of my holiday if I am made redundant?

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.