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Travelling can be unpredictable, and having the right insurance in place can provide peace of mind. Should you require urgent medical care or need to return to the UK due to health concerns, our policy ensures you're well-protected. From emergency medical fees to bringing you back home safely, we've got you covered.

What is covered?

• Urgent medical care and repatriation: Coverage for medical fees, emergency transportation, and safely returning you to the UK if medically necessary.
• Additional travel and accommodation expenses: Includes costs for extended stays due to medical reasons for both you and a travel companion.
• Repatriation in the event of death: Covers bringing the deceased back to the UK and funeral costs incurred overseas.
• UK medical costs: Coverage for certain medical costs in the UK related to a condition that arose during your trip.

What isn't covered?

• Medical conditions not declared before travel.
• Non-urgent medical treatments.
• Costs incurred without prior approval from the insurer.
• Treatments for injuries sustained during high-risk activities not covered under your policy.

Whether it's an unexpected illness or a medical emergency, this policy provides cover to protect you when it matters most. By understanding what's included and excluded, you can travel with confidence knowing you're prepared for any unforeseen circumstances.

In the unfortunate event that unforeseen circumstances derail your travel plans, it's reassuring to know that our holiday cancellation cover can cushion the financial blow. This cover is designed to recoup your losses for non-refundable costs if you need to cancel your trip. Whether it's flights, airport transfers, hotels, or even those exciting tours you've prepaid for, our cover levels are tailored to ensure you're compensated for your individual expenditure.

What is covered?

• Non-refundable costs: Reimbursement for prepaid expenses, such as flights, airport transfers, hotels, and tours, if you need to cancel your trip.
• Curtailment of your trip: Covers additional costs or losses incurred if you need to cut your trip short due to:
  • Illness, injury, or death of a family member, travel companion, or business partner.
  • Being summoned for jury service.
  • Cancellation of leave as a member of His Majesty's Forces.

What isn't covered?

• Cancellation due to pre-existing medical conditions not declared before travel.
• Changes in plans due to work obligations, unless covered under specific clauses.
• Costs for trips booked after a known issue or event that could disrupt travel.
• Failure to provide appropriate documentation, such as medical certificates or proof of jury summons.

Life is unpredictable, but with our holiday cancellation cover, you can travel with confidence, knowing that unexpected disruptions won't leave you out of pocket. Review the details of your policy to ensure you're fully protected before your trip.

Personal Possessions

Should possessions become lost, stolen, or damaged during your trip, this cover provides repair or replacement costs. There are certain caps for individual items and valuables. If you want to claim, it's important to report any theft or loss to the police and get a report within 24 hours. The cover does not extend to items that are left unattended or damaged through wear and tear or cleaning processes.

Personal Money

Ensure your personal money is secure while travelling; this policy covers you for theft or loss of cash and cards. Different cash limits apply depending on age, and claims require a police report within 24 hours. Losses must be reported promptly, and money should be carried securely.

Passports and Other Documents

Rest easy knowing your policy includes protection for lost or stolen passports, travel documents, and event tickets. You'll be reimbursed for the costs of replacements abroad, along with any extra travel or accommodation expenses. Keep in mind, secure your documents well, as claims won't be covered if they weren't adequately safeguarded or could be replaced at no cost.

For cruise policies, a higher cover limit is available for personal belongings to cover higher-value items such as evening wear.

The policy covers additional travel and accommodation expenses if you miss your scheduled departure or connection due to strikes, adverse weather, mechanical failure, or accidents. This policy has you covered for heavy traffic and road closures too.

What is covered:

• Additional travel and accommodation expenses necessary to reach your destination or return home if you miss your departure or connection.

What is not covered:

• Claims arising from heavy traffic or road closures without evidence of significant disruption.
• Failure to allow sufficient time for public transport to arrive on schedule.
• Breakdown of a private motor vehicle that was not properly serviced.
• Failure of any travel service, due to errors or defaults by the travel service providers.
• Claims arising from a catastrophe.

For cruise policies, additional cover is provided as standard for missed port departures and missed connections due to delayed arrival at embarkation points.

Your policy's personal liability covers you for any harm to others or their property on your trip. This includes legal costs for defence and settlement discussions. But, it doesn't cover risks from dangerous activities, property you're looking after, harm to family or household members, incidents involving certain vehicles or animals, or anything business-related.

The legal costs and expenses section helps with the expenses of legal action for incidents that cause death or physical harm. It covers the fees for a representative to manage your case, court costs and chasing up judgments or appeals. But it doesn't cover gradual sickness, mental harm without a physical accident, defending legal rights (apart from counterclaims) or claims for medical negligence.

Our Pet Care cover ensures your furry friends are taken care of if your travel plans are disrupted. This benefit is available exclusively with Gold policies and includes:

What is covered?

• Pre-booked kennel and cattery fees: Reimbursement for pre-paid pet care if you need to cancel your trip due to an insured event.
• Additional pet care costs: Coverage for extra fees if your return home is delayed due to:
  • Death, injury, or illness.
  • Public transport delays.

Important to note:

• Claims require documentation: You'll need to provide supporting documents, such as:
  • Confirmation of delays from your transport provider.
  • Receipts for kennel or cattery expenses.

This tailored cover ensures peace of mind, knowing your pets are well looked after, no matter what.

Gadget cover

This policy covers accidental damage, theft, loss, and malicious damage to gadgets. In the event of a gadget being damaged or stolen, it will be repaired or replaced. Coverage includes a range of gadgets such as mobile phones, tablets, laptops, cameras, and smartwatches.

Limitations include:

• Damage or loss must be reported within 24 hours to the police and network provider if applicable.
• Gadgets must be kept safe, not in checked baggage or out of immediate reach.
• Manufacturer security features must be enabled.
• Claims require proof of purchase and usage.
• Cosmetic damage, consumables like batteries, and pre-existing faults are not covered.

For more detail on what gadgets are covered, please check policy wording. Cover is limited to specific amounts based on the gadget and your policy terms.

Winter Sports

We want to make sure you are covered for whatever winter sports activity you choose. Our winter sports add-on provides extra cover in place if you plan on skiing, snowboarding or outdoor ice-skating.

Wedding

Getting married abroad? Protect your big day with a wedding travel insurance add-on. You'll be covered for replacement, reinstatement or repair of your ceremonial attire and ceremonial gifts.

Finding and booking travel insurance can be a potentially confusing and time-consuming affair. That's why we've put together a list of the top insurance queries, so you can spend less time being confused and more time getting on with your holiday plans. For a comprehensive list of our most frequently asked questions please consult our Travel Insurance FAQ page.