Your trip

Single Trip
A policy for a single trip that starts and ends in the UK, up to 90 days.

Annual Multi-Trip
A 12-month policy that allows you to travel more than once. Up to 31 days for Red cover, 45 days for Silver cover and 94 days for Gold cover.

Depending on the cover selected, your choice of destination will be categorised on your schedule as follows.

Europe 1 (Single Trip only)
Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, the Czech Republic, Denmark, Estonia, the Faroe Islands, Finland (including Lapland), France, Georgia, Germany, Hungary, Iceland, Ireland (Republic), Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Moldova, Monaco, Montenegro, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, the Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Sweden, Ukraine, the United Kingdom and the Vatican City.

Europe 2 (Single Trip only)
All countries listed in “Europe 1” plus Cyprus, Gibraltar, Greece (including the Greek Islands), Malta, Spain (including the Balearic Islands and the Canary Islands), Switzerland and Turkey.

Europe (Annual Multi-trip only)
All countries listed within Europe 1 and Europe 2 above.

Worldwide excluding USA, Canada, Mexico and the Caribbean
All countries of the world EXCEPT:
Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire, St Eustatius and Saba, Canada, Caribbean Islands, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Puerto Rico, St Barthelemy / St Barts, St Croix, St Kitts and Nevis, St Lucia, St Maarten/ St Martin, St Pierre and Miquelon, St Thomas, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, the United States of America, Virgin Islands (UK), Virgin Islands (US).

Australia/New Zealand (Single Trip only)
Australia and New Zealand.

Worldwide including USA, Canada, Mexico and the Caribbean
All countries of the world.

Start typing the letters of the country or countries you plan to visit. Multiple countries can be added.

Depending on the cover selected, your choice of destination will be categorised on your schedule as follows.

Europe 1 (Single Trip only)
Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, the Czech Republic, Denmark, Estonia, the Faroe Islands, Finland (including Lapland), France, Georgia, Germany, Hungary, Iceland, Ireland (Republic), Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Moldova, Monaco, Montenegro, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, the Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Sweden, Ukraine, the United Kingdom and the Vatican City.

Europe 2 (Single Trip only)
All countries listed in “Europe 1” plus Cyprus, Gibraltar, Greece (including the Greek Islands), Malta, Spain (including the Balearic Islands and the Canary Islands), Switzerland and Turkey.

Europe (Annual Multi-trip only)
All countries listed within Europe 1 and Europe 2 above.

Worldwide excluding USA, Canada, Mexico and the Caribbean
All countries of the world EXCEPT:
Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire, St Eustatius and Saba, Canada, Caribbean Islands, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Puerto Rico, St Barthelemy / St Barts, St Croix, St Kitts and Nevis, St Lucia, St Maarten/ St Martin, St Pierre and Miquelon, St Thomas, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, the United States of America, Virgin Islands (UK), Virgin Islands (US).

Australia/New Zealand (Single Trip only)
Australia and New Zealand.

Worldwide including USA, Canada, Mexico and the Caribbean
All countries of the world.

For example, DD MM YYYY

Important: For Annual multi trip policies you will not be covered for holiday cancellation until your policy start date. Please choose today's date if you want cover as soon as possible.

For example, DD MM YYYY


Your travel arrangements

A Couple
Two people in a relationship living at the same address.

Family
Up to two adults that are married or are civil partners, or are permanently cohabiting in a marriage-like relationship and up to five, unmarried dependent children (including adopted, foster and step-children) aged 17 or under. If divorced or separated, your natural children aged 17 or under.

Group
A group of up to seven adults and/or children who may not all be related and are named on one policy schedule under a Single Trip policy. All members of the group must travel together.

Remove traveller Add traveller

This person will be the policyholder. Use the format, DD MM YYYY


Medical declarations

You must now declare to us any pre-existing medical conditions that you or anyone else detailed on this policy has.
Failure to do so may result in part or all of a claim not being paid.
A medical condition should be declared if you or anyone to be insured under this policy:

  1. Is suffering from a medical condition for which he/she:

    1. should have sought medical advice
    2. is under investigation
    3. is on a waiting list to undergo investigation, a medical procedure or in-patient hospital treatment
    4. is waiting for test results
    5. has been given a terminal prognosis

  2. Is suffering from a medical condition which he/she knows will require medical treatment during an insured journey

  3. Is intending to travel to get medical treatment abroad

  4. Has at any time during the last five years been treated for alcohol or drug addiction

  5. Is suffering from a psychiatric or psychological condition

  6. Has ever suffered from:

    1. a cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension
    2. a lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)
    3. any form of cancer whether in remission or not
    4. a cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)
    5. a renal condition or diabetes

  7. Suffered from a medical condition in the last 12 months for which he/she:

    1. is being prescribed regular medication
    2. is receiving treatment of any kind
    3. has required an organ transplant or required dialysis

  8. Is any relative or colleague of an insured person, or someone with whom you are going to travel or stay with, suffering from a medical condition which could reasonably be expected to give rise to a claim

Your travel insurance policy can cover most pre-existing medical conditions.

Please tell us about any pre-existing medical conditions that you or anyone travelling on this policy have. By answering for them, you confirm you have the authority and will provide complete and accurate medical information about everyone to be covered. If you're unsure of any answers please contact the person who you're answering on behalf of. If you don't tell us about pre-existing medical conditions, it may result in part or all of a claim not being paid.



Eligibility criteria

You confirm and agree that:

  • you are 18 years of age or over at the date of buying the Policy
  • you and all persons to be insured have an address in the United Kingdom, Channel Islands or the Isle of Man; and
  • you and all persons to be insured have lived in the United Kingdom, Channel Islands or the Isle of Man for at least 6 of the last 12 months; and
  • you and all persons to be insured are registered with a GP in the United Kingdom, Channel Islands or the Isle of Man
  • you and all persons to be insured are in the United Kingdom, Channel Islands or the Isle of Man when the policy is purchased and have not started a trip
  • you and all persons to be insured will obtain any recommended vaccines, inoculations, or medications prior to your trip.