Travel Insurance Frequently Asked Questions

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 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 (Europe exc. Spain, Cyprus, Malta, Greece & Turkey)

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

Europe 2 (Europe inc. Spain, Cyprus, Malta, Greece & Turkey)

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.

Depending on which country or countries you're visiting, you can select one of the following regions on the drop down menu:

• Europe - including Spain, Cyprus, Malta, Greece & Turkey
• Worldwide - excluding USA, Canada, Mexico or the Caribbean
• Worldwide - including USA, Canada, Mexico or the Caribbean

The countries that are considered "excluded" and require a specific European or Worldwide policy often have higher health care costs, so should anything happen to you, there is slightly higher premium to cover this.

If you are unsure which region your destination falls under, you can click the link "Not sure? Enter your destination" underneath the "Travelling to?" drop down menu of the search bar.

Yes, we provide cover for both European and Worldwide (outside of Europe) travel. If you are travelling to multiple destinations around Europe, then a European policy would be sufficient. For travel outside of Europe, you'll need to get yourself a Worldwide policy.

Check out our Worldwide and European insurance pages for more information on booking a policy.

Yes, we provide cover for both European and Worldwide (outside of Europe) travel. If you are travelling to multiple destinations around Europe, then a European policy would be sufficient. For travel outside of Europe, you'll need to get yourself a Worldwide policy.

Check out our Worldwide and European insurance pages for more information on booking a policy.

We can offer a quote to customers over 75; however, there will be no cover if you are travelling against the advice of the FCDO.

If all or part of your trip is aboard a cruise, you will need to take out a cruise policy, which covers cruise-specific necessities such as missed excursions, itinerary changes, and cabin confinement. You will be asked to confirm if you're going on a cruise during the initial stages of the quote/booking process.

All our policies come with cancellation cover, including if you needed to call off your trip due to ill health.

Your policy covers you against any unforeseen circumstances beyond reasonable control. If you need to cancel your trip, the authorisation must come from your GP or consultant.

Conditions do vary from policy to policy, as well as situation to situation. For a better understanding of what we will cover, please refer to your policy wording.

A standard excess on a travel insurance policy refers to the amount deducted before a claim is paid out. Essentially, it is a sum of money varying from £0 to £150 that you have to pay towards a claim on a policy. This amount varies depending on which cover level you have chosen.

This is when the airline you were booked to travel with dissolves due to bankruptcy or other compromising factors. In such a situation, travellers can risk losing a significant amount of money, as tickets are rendered worthless.

While most package holidays come with ATOL protection which insures against airline insolvency, this does not extend to travellers who purchased tickets and other travel services independently.

To meet the criteria to purchase travel insurance, you and anyone named on the policy must qualify as a resident of the United Kingdom, Channel Islands, Isle of Man, or British Forces Posted Overseas and have resided there for more than 6 months out of the last 12 months.

Unfortunately not. You must be a permanent resident of the UK to be eligible to purchase travel insurance. Your trip must also start and finish in the UK too.

Holiday Extras single trip travel insurance policies provide travellers with comprehensive cover for one trip of up to 365 days. For more information, visit our single trip policies page.

An Annual Travel Insurance policy covers you for an unlimited amount of trips abroad throughout the year, with a maximum limit for each trip depending on your cover level. For more information, visit our Annual Travel Insurance page.

If you're taking out an annual cruise policy, you can extend your cover with our Trip Extension Cover. This add-on increases your maximum trip length from 31 days to 45 or 60 days, giving you more flexibility for longer cruises.

Yes, our annual travel insurance policies have a limit on how long each individual trip can last — not how many trips you can take in a year. The limit depends on your level of cover and whether you've chosen a standard or cruise policy:

If you're planning to travel for longer than these limits, consider our Single Trip Travel Insurance, which can cover holidays up to 180 days depending on your destination and age.

Please visit our Backpacker travel insurance page for detailed information on how to book your Backpacker travel insurance.

A pre-existing medical condition is any condition affecting your health prior to booking your travel insurance policy. All insurers will want to know your medical history before you purchase a policy with them.

No matter if the condition is no longer active or being treated, failing to declare any pre-existing medical conditions when taking out travel insurance could render your policy invalid.

For more information on travel insurance with medical conditions, check out our medical conditions page.

When applying for travel insurance with medical conditions, you have to complete a medical screening, either online or over the phone. This is simply a set of questions related to the condition of your health, designed to ascertain the type and severity or risk of the pre-existing medical condition you have.

You can login to your account to see your booking, and from there you can view or resend your confirmation. If you have applied for a postal confirmation and you haven't received it, please get in touch with us via live chat on our Insurance Support Page and we will send you another copy in the post.

If you need to change or cancel your booking, we need at least 24 hours before the stay date to make the changes. We would recommend that you get in touch with us at the earliest possibility to see if anything can be done. Details will be found in your email confirmation.

If something unfortunately happens to you while you're on holiday, we have appointed Emergency Assistance Facilities as our dedicated 24-hour emergency assistance service. They are available over the phone, on live chat, or via email. In the case of an emergency, you should contact them as soon as you're able on the numbers below (depending on your current location):

Emergency Assistance:

24 hours, 7 days a week

• Tel: +44 (0) 1403 788 718 (if You are anywhere except the USA, Canada, or Mexico)
• Tel: +1-844-780-0494 (toll free if You are in the USA or Canada)
• Tel: 00 1 819 780 0494 (if You are in Mexico)

We would recommend that you double-check the policy wording to assess what level of cover your planned activity falls under. If you're taking part in an activity that isn't listed, please feel free to give us a call and see if we can help.

For more information on the specific cover level an activity falls under, please check out our sports travel insurance page, which provides a detailed list of all sports, including those that aren't covered by us.

We would recommend that you double-check the policy wording to assess what level of cover your planned activity falls under. If you're taking part in an activity that isn't listed, please feel free to give us a call and see if we can help.

For more information on the specific cover level an activity falls under, please check out our sports travel insurance page, which provides a detailed list of all sports, including those that aren't covered by us.

For more information on the exact wording of your policy, please check out our policy documents page.