All Policies Include Coronavirus Cover

Coronavirus FAQs

Questions about cover for coronavirus? Read our FAQs and find out what our policies can do for you. If you would like to contact us, please note we are currently only available 09:00 to 17:30 Monday to Friday due to reduced operational capacity. Thank you.

Travel insurance FAQs

General questions

How do I contact you?

You can contact us via telephone, live chat and email. You can also request that we call you at a suitable time. All the details you need are on our Contact Us page.

What are your opening hours?

Our customer service team is available Monday to Friday from 9:00am until 5:30pm. You can get in touch here.

The claims team (Travel Claims Facilities) is available Monday to Friday from 8:00am until 8.00pm, and on Saturday from 9:00am until 1.00pm. Find out how to make a claim.

Our emergency helpline (operated by Emergency Assistance Facilities) is available around the clock, day in, day out – no matter where you are in the world.

Can I get a quote online?

Yes, of course. It's a simple step-by-step process that takes just a few minutes. Get started here.

Can I get cover if I am already abroad?

We can only provide cover if you have not yet departed the UK. However we work with a number of specialist partners who should be able to help you. Find out more.

Can I get cover for a one-way trip?

We can only cover full trips that depart from and return to the UK. However we work with a number of specialist partners who should be able to help you. Find out more.

Can I make changes to my policy?

Yes! We will happily look to make any necessary adjustments to your policy, whether it be the dates, destination or cover limits. Please call our customer service team on 0345 90 80 121. Alternatively use the link on our Contact Us page to request a call back.

How do I get a copy of my travel insurance documents?

Your documents should be automatically emailed to you, within a few minutes of your purchase. If this is not the case the please go to our Contact Us page, where you can request for your documents to be sent.

Am I covered for sports and activities?

Our policies include complimentary cover for more than 75 sports and activities as standard. We can cover hundreds more with our various activity packs. To find out more, visit this page.

Do you cover winter sports?

Absolutely! Our specialist winter sports packages cover skiing, snowboarding and more – and include protection for your equipment, off-piste runs and piste closure. Just add our winter sports extension when getting your quote. You can find out more here.

What is an excess?

An excess is your contribution in the event of a claim, which under the Travel Insurance 4 Medical policy is between £70 and £150 per person per claim under most sections of the policy. For an extra premium you can remove the standard excess, although this doesn't apply to gadget cover where the excess remains at £50. If you would like further information please call our customer service team on 0345 90 80 121.

Am I covered to go on a cruise?

To be covered for a cruise holiday you must add the cruise extension to your policy. This option will be offered to you during the quote process.

What do you class as a cruise?

We define a cruise as a pleasure voyage of more than 72 hours in duration, in which you are sailing as a passenger on a purpose built ship on sea(s) or oceans that may include stops at various ports.

Do you offer all policy types to all destinations?

Yes, we offer a range of policies that are available for travel to anywhere in the world, as long as the Foreign, Commonwealth & Development Office (FCDO) isn't advising against visiting said country/region. Our range of policies gives you the flexibility to choose a policy that suits your plans as well as your budget. You can find the FCDO's latest advice for the country you are visiting here.

What choices do I have when selecting a policy?

Our policies are built around flexibility. We offer three main types of policy based on your budget and the way you like to travel. The cheapest option is our Economy Extra policy, ranging up to our Superior policy which gives the highest level of cover for extra baggage, cancellation and medical cover up to £10 million as well as lots of other benefits. All of our policies have optional extras that allow you to travel your way.

Do you cover business travellers?

We don't distinguish between business and leisure. If you buy annual travel insurance, for example, you will be covered to travel on business, for pleasure, on your own or with the family. You can also extend the policy to include winter sports like snowboarding and skiing.

What destination do I need to select?

We have six different location categories. Here's a breakdown to the way we group countries into different regions.

EUROPE EXCLUDING SPAIN:
Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan Azores, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Eire (Republic of Ireland), Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holland (Netherlands), Hungary, Iceland, Isle of Man, Italy, Jersey, KOS (Greek Island), Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Northern Ireland, Norway, Poland, Portugal, Rhodes, Romania, Russia, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City.

EUROPE INCLUDING SPAIN:
All countries included in Europe excl Spain, but including Spain, Balearics, Madeira and the Canary Islands.

UNITED KINGDOM:
England, Scotland, Wales, Isle of Man and Northern Ireland.

WORLDWIDE EXCLUDING USA, CARIBBEAN, CANADA & MEXICO:
Israel and anywhere else excluding the United States of America, Canada the Caribbean and Mexico.

WORLDWIDE INCLUDING USA, CARIBBEAN, CANADA & MEXICO:
Anywhere in the world.

AUSTRALASIA:
Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island and Lord How Island, and New Zealand, including the Cook Islands, Niue and Tokelau.

How do I make a claim?

Claims are dealt with by Travel Claims Facilities who work on behalf of the insurer, URV. All the details you need for making a successful claim are on this page.

Who do I contact if I need medical assistance abroad?

We are here to help you. Should you be admitted to hospital or require any ongoing outpatient treatment you will need to contact Emergency Assistance Facilities. All the information you need is on this page.

Is my mobile phone covered by the policy?

Not automatically. However we offer a gadget extension, which is easy to add to your policy and should provide the cover you need. Please call our customer services team on 0345 90 80 121 to find out more.

Are my gadgets covered?

Our policies don't automatically cover gadgets like tablets, laptops and digital cameras. However we do offer a gadget extension, which is easy to add to your policy and should provide all the cover you need. Please call our customer services team on 0345 90 80 121 to find out more.

What is the maximum sum covered for cancellation expenses?

Our Superior travel insurance policy offers up to £5,000 cancellation as standard. Call us on 0345 90 80 121 to find out more.

Do you cover non-UK residents?

Unfortunately we are not able to provide cover for non-UK residents. However we work with specialist partners who may be able to help you. You can find out more on this page. Our definition of a UK resident is: a person who has had their main home in the United Kingdom, the Channel Islands or BFPO and has not spent more than six months abroad in the year before buying a policy.

Is repatriation covered?

Yes, repatriation is covered under the Emergency Medical Expenses section of our policies.

Who underwrites Travel Insurance 4 Medical?

Travel Insurance 4 Medical is underwritten by Travel Insurance Facilities Group and insured by Union Reiseversicherung AG (URV), part of Germany's largest banking group, Versicherungskammer Bayern Group (VKB Group).

Medical questions

Do you cover pre-existing medical conditions?

Yes. In fact, we are experts. We cover a wide range of health problems and offer specialist insurance for pre-existing medical conditions. Our in-house screening team are happy to answer any questions and will undertake a simple process of questions and answers before offering you any available holiday insurance policies.

What type of medical conditions do you cover?

We cover a wide range of conditions such as angina, asthma, HIV, blood pressure, heart conditions, diabetes and osteoporosis on a daily basis. We also offer cancer travel insurance.

I have a pre-existing medical condition. Will I need to be screened when getting a quote?

Yes. In order to make sure you get the most appropriate policy, we do need to screen all customers who have medical problems or pre-existing conditions. However, unlike a lot of other companies we operate our medical screening service completely in-house from our UK call centre. That means when you get a quote for medical travel insurance you can buy the cover at the same time, all in the same call.

Can I declare my medical conditions online?

Yes you can. We offer an online screening service so you can buy travel insurance for pre-existing medical conditions quickly and easily. Just follow the steps. You can start a new quote here.

I cannot find my condition online. How do I proceed?

If you are unable to locate your pre-existing medical condition online then please contact our customer services team who will be able to help you on 0345 90 80 121.

Will I have to pay extra to cover my medical conditions?

In many cases we can offer medical travel insurance without any additional premium being payable. Where an extra payment is due, we try and keep it as low as possible.

I'm pregnant. Can I still get travel insurance?

We can cover emergency medical expenses for pregnancy/childbirth from week 0 to week 28. For more details please take a look at our policy wording or call our customer services team on 0345 90 80 121.

Since purchasing the policy, my health conditions have changed. Do I need to let you know?

Yes please. We will need to speak with you to update your policy to make sure full cover can be provided. Otherwise your policy may be invalid. Please call our customer service team on 0345 90 80 121. Alternatively use the link on our Contact Us page to request a call back.

Can I be covered for a friend or family member's pre-existing medical condition?

Unfortunately we cannot cover you for cancellation or curtailment due to the ill-health of relatives who are not travelling with you and who are not insured with us if they have an existing diagnosed medical condition or a condition for which medication, advice or treatment has been received.

Single trip cover

What is the maximum trip length on a single trip policy?

For travellers aged 70 or below, we can cover up to 186 days per trip. However we can provide cover for people aged up to 100 for up to 31 days or more – depending on your specific age. Get a quote to find out more or call our customer services team on 0345 90 80 121.

What is the age limit for single trip policies?

The age limit for standard single trip policies is 100. For travellers over the age of 70 we can offer single trip up to 31 days.

Can a child be insured on their own?

We cannot provide a policy for anyone aged 17 or under to travel independently of the named adults on a policy.

If I pay for my policy today, when am I covered from?

For single trip policies you are covered for cancellation from the date your premium is paid.

Annual cover

What is the maximum trip length on your annual multi-trip policies?

With our annual policies you can travel as many times as you like in the year. If you are aged 70 or below, you can choose a policy that allows you to travel for up to 60 days or 31 days per trip. If you are aged between 71 and 79, you travel for up to 31 days per trip.

What is the age limit for annual policies?

The age limit for our annual policies is 79 for our 31-day multi-trip cover, and 70 for our 60-day multi-trip cover. However we can cover travellers aged up to 100 with our single trip policies.

Can named travellers on an annual policy travel separately?

Travellers aged 18 or over can travel together or separately on our annual multi-trip policies.

Can children travel on their own under a family multi-trip policy?

We cannot cover anyone aged 17 or under to travel independently of the named adults on the policy.

If I pay for my policy today, when am I covered from?

For annual multi-trip policies you are covered for cancellation from the start date marked on the policy. If you would like to bring the start date forward in order to be covered sooner, please call our customer services team on 0345 90 80 121.

Backpacker and longstay policies

What is the maximum trip length on a backpacker or longstay policy?

With our backpacker and longstay policies you can travel for up to 548 days per trip.

What is the age limit for your backpacker and longstay policies?

The age limit under the backpacker and longstay policies is 55.

Do I need to have a return ticket before purchasing a policy?

If you do not have a return ticket booked, you would need to have proof of return to the UK. Acceptable proof is any of the following:

  • Confirmation of a college/university placement
  • Contract of employment with a commencement date
  • Rental agreement
  • Consultant appointments in the UK
  • Court summons/appearances
  • Mortgage agreement
  • Current home/contents insurance (in your name)
  • Future travel plans (flight bookings) leaving from and returning to the UK

If I pay for my policy today, when am I covered from?

For backpacker and longstay policies you are covered for cancellation from the date you pay your premium.