Travel Insurance for your Holiday Gems getaway

If you become unexpectedly ill or injured on your trip, your policy covers emergency medical fees, emergency transport and bringing you home to the UK if it is medically necessary. It also covers additional travel and accommodation costs if you or a travel companion need to stay longer for medical reasons. Undeclared medical conditions and non urgent treatment are not covered.

If you need to cancel or come home early for a covered reason, we help you recover non refundable costs including flights, transfers, accommodation and pre booked activities. Covered reasons include the illness, injury or death of a family member or travel companion, being called to attend court, involuntary redundancy and being advised not to travel because you are pregnant. Costs you can reclaim from your travel provider, and cancellations linked to undeclared medical conditions, are not covered.

If your possessions are lost, stolen or damaged during your trip, your policy covers the cost of repair or replacement, with individual item and valuables limits. Personal money and passports or travel documents are covered too, including the cost of emergency replacements abroad. Any theft or loss needs to be reported to the police within 24 hours, and items left unattended are not covered.

If you miss your scheduled departure or a connection because of strike action, bad weather, an accident or a mechanical failure, your policy covers the additional travel and accommodation costs needed to reach your destination or get home. Heavy traffic and road closures can be covered where there is evidence of significant disruption. Not leaving enough time to travel, or a breakdown in a vehicle that has not been properly serviced, are not covered.

Personal liability covers you if you accidentally injure someone or damage their property while you are away, including the legal costs of defending a claim. The legal costs and expenses section helps with the cost of taking legal action following an incident that causes death or physical injury. Business related claims, damage to property in your care and incidents involving certain vehicles or animals are not covered.

Gadget cover protects items such as mobile phones, tablets, laptops, cameras and smartwatches against accidental damage, theft, loss and malicious damage, up to the limit on your cover level. Gadgets need to be kept safe and within immediate reach rather than in checked baggage, manufacturer security features must be switched on, and claims need proof of purchase. Cosmetic damage, consumables such as batteries and pre existing faults are not covered. Please check the policy wording for the full list of covered gadgets.

With all our insurance policies, you will receive a benefit if your flight is delayed by two hours or more. Simply register your flight at least 12 hours before departure and choose your benefit, either airport lounge access or a £25 per person cash benefit for up to 7 passengers on the same policy. We then track your flight and automatically issue your benefit if you are eligible. Our flight delay cover is underwritten by Astrenska Insurance Limited and serviced by Collinson Insurance Services Limited.

Included FREE with every Holiday Extras travel insurance policy, AnywhereGP, powered by Air Doctor, provides fast, reliable, 24/7 medical support in over 75 countries worldwide, keeping you supported along the way. AnywhereGP means expert medical support right at your fingertips.

If you have or have previously had a pre existing medical condition, you will need to declare it through our confidential medical screening. Our online quote system guides you through the questions and gives you an instant decision on whether we can offer cover. If we are unable to cover a condition, the free and impartial MoneyHelper travel insurance directory lists other FCA regulated providers who may be able to help.