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Travel Insurance

Welcome back to holidays! Our flexible policies, with three different levels of cover are here to help you travel hassle-free in the new normal.

With over 30 years' experience selling holiday insurance, half a million policies sold annually and the recipient of Globe's Best Insurance Provider twelve years running, it's safe to say we know a thing or two. That's why, at Holiday Extras we've put together three levels of cover that can be tailored specifically to your individual needs.

Book on or offline! We have over 30 trained insurance specialists, as well as an Insurance Support Page waiting to help you book the perfect policy and answer any questions you may have.

We've also put together the Holiday Extras' Hassle-free Holiday Hub, your one-stop shop for information to get you prepared for travel returning.

What is Travel Insurance?

When going on holiday you invest money in your trip: from transport, parking, accommodation and luggage. While no one wants to think about worst-case scenarios whilst on holiday, it is worth having a safety net in place should something go wrong down the line that could potentially leave you out of pocket. That's why it's important to have the best travel insurance for your own specific needs.

Whether you need a single trip or annual travel insurance policy, or maybe you're setting sail and need cruise insurance — we have a wide array of comparable cover level options for you to choose from.

Alongside our trusted, reliable and comprehensive cover, Holiday Extras are also specialists for medical travel insurance. If you have a serious medical condition (or multiple conditions), our compassionate and understanding team will work with you to find you a policy that meets your requirements.

With over 99% of common conditions covered, we are proud to say that our specialist medical cover meets the requirements for inclusion on the Money Advice Service (MAS) travel insurance directory.

Travel insurance and the FCDO

Holiday Extras now offers enhanced COVID-19 protect enabling you to travel to European countries where the Foreign, Commonwealth & Development Office (FCDO) advises against "non-essential" travel, as long as the advice is against all but essential travel solely as a result of COVID-19. For more information, see our COVID-19 cover section of this page.

Four reasons to choose Holiday Extras as your travel insurance provider:

1. Flexible policies	2. Trusted providers	3. Medical specialists	4. Cruise cover specialists
Three cover levels to suit your travel needs	Voted best insurance provider by the Globe Travel Awards 12 years running	We will consider ALL medical conditions	Cruise-specific policies available
UK cover available for those not travelling internationally	Rated Excellent on Trustpilot	Up to £15 million worth of medical cover	We're partnered with the largest cruise lines
Single or Annual? Europe or Worldwide?	Recommended and used by over 500 travel agents	COVID cover included as standard	Cruise cover for itinerary change, cabin confinement and abandonment
Extras including gadget cover, winter sports, extreme sports available.	Award-winning Kent-based contact centre	24/7 online medical screening	No upper age limit on single trip policies

Medical travel insurance

Holiday Extras is a medical insurance specialist, featuring on the Money Advice Service (MAS) travel insurance directory, which the FCA (Financial Conduct Authority) has confirmed meets its criteria for a 'medical cover firm directory'. If you have a serious medical condition or multiple conditions, we will endeavour to find a policy that both covers your needs and suits your exacting requirements.

With a Holiday Extras policy, you can get up to £15 million worth of medical insurance should anything happen to you while abroad. While this initally might seem like an enormous amount, and maybe even unnecessary for you, the cost health care abroad is wildly more expensive than it is at home in the UK. Without the NHS, you can be looking at huge medical bills for an ambulance and emergency medical consultation abroad. If travelling uninsured, the bill will fall on you.

If you currently have a pre-existing medical condition, or have previously had one, then you will need to declare your condition(s) during the medical screening process which, based on your condition, will elevate the price of your policy depending on the level of "risk" associated with it.

We will consider all medical conditions and offer cover for the majority of pre-existing conditions. This includes all forms of cancer.

Travel Insurance with COVID-19 cover

While travel restrictions are beginning to lift, we understand that this is still an unpredictable time. That's why at Holiday Extras, we offer travel insurance that provides COVID-19 cover on our Bronze, Silver and Gold policies as standard for specific events. As such, you are insured for the following:

Cancellation:

If the insured, their relative, a member of their household or travelling companion contract COVID-19 within 14 days of the booked departure date.
If the insured is denied boarding on pre-booked outward travel due to contracting COVID-19 following a medically approved test or having a confirmed temperature above 38.C.

Curtailment:

Death of a relative or member of the insured's household as a result of COVID-19.
Hospitalisation of a relative or member of insured's household requiring treatment with mechanical ventilation as a result of COVID-19.

Medical & Repatriation Expenses:

Cover for medical costs for any treatment and associated expenses required abroad as a result of contracting COVID-19 following a medically approved test (up to £15m), as long as they have not travelled against the advice of the FCDO*.

Enhanced COVID-19 protect

If you're looking for an increased level of cover, you can add our optional enhanced COVID-19 protect to your policy, including cover for:

FCDO cover:

Cover if customers wish to travel against the advice of the FCDO providing the advice is against "all but essential travel" solely as a result of COVID-19 and no other factors. This is only applicable for holidays within Europe.

Cancellation:

Cover for cancellation as a result of being contacted by NHS Test & Trace due to coming into contact with someone who has tested positive for COVID-19 and needing to self isolate, preventing the insured from making the outward journey.
Cancellation as a result of experiencing an adverse reaction to the COVID-19 vaccine within 14 days of departure resulting in the insured being unfit to travel as confirmed by a medical practitioner.
The insured being unable to complete their COVID-19 vaccination course before the scheduled departure date as a result of unforeseen illness.

Be sure to check both our policy documents and coronavirus travel insurance pages for a more in-depth breakdown of what our policies cover.

*Unless they have paid the Enhanced COVID-19 Cover premium.

Holiday cancellation insurance and curtailment

Baggage

Car Hire Excess Insurance

Repatriation

Missed departure

Compare travel insurance cover levels

You can then choose from three levels of cover, each differently priced, ranging from a basic and essential cover to a higher, premium level of cover.
Here is a brief overview of some of the main upper limits and inclusions of each policy. Be sure to read through the Policy Documents for more comprehensive cover details.

	Bronze	Silver	Gold
Emergency medical and repatriation expenses	£5,000,000	£10,000,000	£15,000,000
Cancellation	£1,000*	£2,500*	£5,000*
Curtailment and loss of holiday	£1,000	£2,500	£5,000
Personal possessions	£500	£1,500	£2,000
Passport and other documents	£150	£250	£350
Personal money	£300	£500	£750
Baggage delay (outward journey)	£100	£150	£300
Missed departure	£500	£500	£1,000
Missed connection	£500	£500	£1,000
Personal liability	£2,000,000	£2,000,000	£2,000,000
Legal costs and expenses	£25,000	£25,000	£25,000
Scheduled airline failure	£1,000	£2,500	£2,500
End supplier failure	X	£2,500	£2,500
Pet care	X	X	£500

*Or as specified on your schedule

Additional cover options

FAQs

Finding and booking travel insurance can be a potentially confusing and time-consuming affair. That's why we've put together this list of the top insurance queries, so you can spend less time being confused and more time getting on with your holiday plans.

Searching for your policy

If you're not sure what you need out of a travel insurance policy, you can cut down your searching time with these essential Q&As:

What destinations do you provide cover for?

Our travel insurance offers cover for trips globally: from Europe to America, Africa to Asia. If you're not entirely sure where your holiday falls under, then this is easily found out by simply by entering the name of the country into the travelling to box, or selecting either European or Worldwide regions.

United Kingdom

England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Europe 1

Albania, Andorra, Austria, the Azores, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, the Channel Islands, Croatia, the Czech Republic, Denmark, Egypt, Estonia, the Faroe Islands, Finland (including Lapland), France, Gibraltar, Germany, Hungary, Iceland, Ireland (Republic), the Isle of Man, Israel, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Moldova, Monaco, Montenegro, Morocco, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Tunisia, Ukraine, the United Kingdom and the Vatican City.

Europe 2

All countries listed in Europe 1 plus Cyprus, Greece (including the Greek Islands), Malta, Spain (including the Balearic Islands and the Canary Islands) and Turkey.

Australia/New Zealand

Australia and New Zealand.

Worldwide excluding USA, Canada, Mexico and the Caribbean

All countries of the world EXCEPT:

Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, 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 Thomas, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, the United States of America, Virgin Islands (UK), Virgin Islands (US).

Worldwide including USA, Canada, Mexico and the Caribbean

All countries of the world.

Note:

Some countries or areas are considered too dangerous for travel. We define these to be areas which are subject to War and Civil Unrest and as such, will NOT provide cover for. These include:

Afghanistan, Burkina Faso, Burundi, Central African Republic, Chad, Iraq, Libya, Mali, Mauritania, Niger, North Korea, Somalia, South Sudan, Syria, Venezuela, Yemen.

Which region do I need to choose?

Will I be covered for day trips, excursions and holidays with multiple destinations?

I have a child over 18, can they be covered on my family policy?

I'm over 75 — can I still get travel insurance?

All or part of my trip involves cruising — what cover do I need?

What happens if I have to cancel my trip due to ill health?

Policy terminology

We've tried to allievate some of the mystery surrounding a lot of the jargon used in the insurance industry, so you can feel confident in finding a policy most suitable for you.

What is an excess in travel insurance?

What is airline insolvency?

How do you define a UK resident?

I'm a British citizen living abroad — can I book travel insurance with Holiday Extras?

Single and Annual policies

Not sure whether to buy a single or an annual policy? Have a look at the differences below to gauge what will best suit your travel plans.

How many days does a single trip policy cover?

What does an Annual Travel Insurance policy cover?

Is there a limit to the number of days I can be abroad on an annual policy?

Medical questions

Finding the right medical cover for any pre-existing conditions you might have is the more complicated aspect of travel insurance. It's so important to get right, and is one of the biggest costs when making a claim. To find out exactly what you need to know before booking your medical cover, take some time to read over customers' most pressing medical-related questions.

What is a pre-existing medical condition?

What is a medical screening?

Is pregnancy classed as a medical condition?

Managing your policy

Once you have made your booking, find out the best ways to access your policy and help us answer any other transactional questions you might have.

I can't find my confirmation, what do I do?

My booking starts today, but I need to change it. What can I do?

While travelling

Hopefully nothing out of the ordinary will happen while you're away, but it never hurts to be prepared and to have insurance-related questions for when you're abroad.

What do I do if there's an emergency during my trip?

I might be taking part in activities while I'm away, will I be covered to do them?

Something happened while I was away and I want to make a claim. How do I do this?

Where can I find my policy documents?

Making a claim

Policy wording

Contact information

What is the Money Advice Service (MAS) travel insurance directory?

The MAS directory will help you find a travel insurance provider if you have a serious medical condition.

The directory can't provide quotes itself - but it can direct you to specialist firms that can. All firms, such as Holiday Extras Cover Ltd are authorised and regulated by the Financial Conduct Authority (FCA) and have been through a rigorous selection process to prove their specialism. Holiday Extras Cover are proud to be featured in the directory.

Contact details for the Money Advice Service:

Telephone: 0800 138 7777 Monday to Friday, 8am to 6pm
Typetalk: 18001 0800 915 4622 Monday to Friday, 8am to 6pm

Holiday Extras insurance

Medical Conditions

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited who are authorised and regulated by the Financial Conduct Authority under registration number 828848.

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited

Holiday Extras Travel Insurance is provided by Taurus Insurance Services, an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830.

The insurance is underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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