What is travel insurance?

Travel insurance is there to protect you against unforeseen and unexpected events when you’re away from home.

With our travel cover, we can help with all sorts of problems in the UK and abroad – whether you need urgent medical assistance, your passport is stolen, you miss a connection or you need to cancel your trip.

Choose from Single Trip or Annual Multi-trip cover then add any optional cover you need, like travel disruption, winter sports or baggage cover.

You can add up to eight family members or friends to your policy.

Please be aware that you won’t be covered if you:

  • travel against the advice of the FCDO or any local authority in the UK or abroad – for example, if your decision to travel breaches quarantine or lockdown rules
  • need to cancel a trip because of measures, such as FCDO advice against travel or local UK lockdown restrictions, which were already in place when you took out your policy or booked your trip.

Why do I need travel insurance?

Like all insurance, travel insurance offers peace of mind in case something unexpected or unforeseen happens.

Having an accident, losing your passport or being delayed can be expensive and tricky to deal with if you’re abroad. You might need legal help too, such as if you’re injured during your trip and it wasn’t your fault. Even if you simply fall ill while you’re away, it’s reassuring to know that we cover emergency medical and dental treatment.

You might already have travel cover, for example, it’s included with some credit cards and current accounts. But before you travel, check exactly what’s covered. Does it cover the places you’re going and activities you’ll be doing?

Some cover is optional, like cover for your belongings or for travel disruption, so make sure that you have the cover that you need when making travel plans.

What our travel insurance doesn’t cover you for is any event or incident that you knew about – or could reasonably be expected to know about – when taking out your policy or booking your trip. That could be something that’s already happened, or is going to happen, and can be reasonably expected to affect your travel plans.

What our Travel insurance covers

What’s covered

  • Whether you choose Single Trip or Annual Multi-trip insurance, here’s what you’ll be covered for as standard.

    Up to £10 million for emergency medical expenses outside the UK:

    • Emergency medical treatment
    • Dental treatment for emergency pain relief
    • Emergency medical repatriation to the UK

    Up to £5,000 if you need to cancel or abandon your trip due to:

    1. Illness or injury of you or your travelling companion
    2. Your redundancy
    3. Your home being made uninhabitable by fire, storm or severe weather
    4.  

    Cover for your travel documents and money:

    1. Emergency travel document expenses up to £750
    2. Cash and bank notes up to £400
    3. Delayed baggage up to £150

     

What’s not covered

  1. Cancelling or abandoning your trip if the Foreign, Commonwealth & Development Office (FCDO) advise against all travel or all but essential travel to the area you were planning to stay in – unless you’ve taken out the optional Travel Disruption cover
  2. Any event, incident or circumstance which had already happened, or was going to happen, at the time you took out or renewed your policy, added any optional cover or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
  3. Any claim if you travel against the advice of the FCDO
  4. Any costs which are recoverable from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL (or similar organisation)
  5. Your personal belongings or baggage – unless you’ve taken out the optional Baggage cover
  6. Cancelling your trip if an airport, port or airspace you’re due to travel from or to is closed – unless you’ve taken out the optional Airspace Closure cover
  7. Missed connections where you’ve not left enough time for travel, such as transfers between airports
  8. Any leisure activities which are listed as excluded in the policy wording
  9. Out-of-date travel documents.