Holiday Extras Travel Insurance

Cancellation cover protects you against unexpected events that may prevent you from going on your holiday. If unforeseen circumstances arise and you need to cancel before your trip starts, cancellation insurance can help by reimbursing the costs of non-refundable travel and accommodation.

The level of cover you choose should reflect the cost of your holiday per traveller. This includes expenses such as flights, airport transfers, accommodation, and pre-paid excursions. We offer cover that provides up to £5,000 for your share of any pre-paid expenses that can't be refunded or transferred.

Curtailment insurance, on the other hand, applies if you have to cut your trip short due to unforeseen events while you're away. This type of cover ensures you're reimbursed for any unused portions of your holiday, giving you peace of mind during your travels.

What is Personal Accident Cover?

Personal accident cover, also known as personal liability cover, offers protection if you are injured, disabled, or killed due to an accident during your holiday.

Claims can also be made for further treatment or lost income resulting from the accident, however, the accident must not be related to an undeclared pre-existing medical condition.

What Does Personal Accident Insurance Cover?

• Injury, Disability, or Death: You are covered for accidents on holiday that lead to serious injuries, loss of sight or limbs, or fatalities.
• Extended Cover Post-Holiday: Claims can be made in the UK within 12 months of your trip if the injury or disablement results directly from the holiday accident.
• Additional Treatment or Lost Income: Further medical treatment or inability to work due to the accident may also be covered.

Exclusions: You cannot claim if the injury results from:

• Sports or activities not included in your policy.
• Activities without personal liability, accidental death, or disability cover.

Certain high-risk activities may not be covered due to their nature. Always review your policy to ensure your activities are included.

Missed Departure Travel Insurance Summary

Missing a flight or connection can be a stressful experience, especially when it's caused by factors outside your control. With our missed departure cover, you can claim up to £1,000 if you miss your departure or connection for any of the following reasons:

• Your pre-booked public transport (flight, train, bus, or boat) is delayed, cancelled, or disrupted due to extreme weather or a strike.
• Your car breaks down or you're involved in an accident on the way to the airport, causing you to miss your departure.

Making a Claim: To make a successful claim, you will need to provide evidence to support your case.

Examples of Supporting Evidence:

• Photographs: Capture proof of road accidents, weather conditions, or public transport delays.
• Eye-Witness Testimonies: Collect contact details and statements from witnesses.
• Documentation: Retain tickets, itineraries, receipts, and confirmation of the delay or incident.

Obtaining Delay Verification:

• Public Transport Delays: Check the transport provider's website for a delay verification form or email their customer service. Provide details such as the date, time, and reason for the delay, along with relevant links or reports.
• Road Incidents: Contact the Department of Transport, Highway Agency, or breakdown service involved for official confirmation.

By having the right evidence and following these steps, you can make a strong claim for missed departure or missed connection compensation. This ensures you're not left out of pocket if unexpected delays disrupt your travel plans.

Repatriation insurance helps cover the cost of getting you back to the UK if you have a medical emergency while travelling. This is usually included under the 'Emergency Medical Expenses' section of good travel insurance policies.

As you can imagine, repatriation back to the UK can be extremely costly, so it's really important to check how much cover your policy offers, as this can vary.

Here is a breakdown of what is covered under medical emergency and repatriation:

• Medical practitioners' fees
• Hospital expenses
• In-patient and out-patient medical treatment
• Medical Transportation
• Medical escort
• Repatriation travel costs

At Holiday Extras, repatriation is included in our medical emergency cover. Our Bronze and Silver policies cover up to £10 million, and our Gold policies offer unlimited cover. We also provide tailored cover for people with pre-existing medical conditions, so everyone can travel with peace of mind. While cheaper policies might look good, they may not offer enough cover for unexpected costs. Always check what's included to stay protected.