Will you insure me?
There'll be some situations where we won't be able to provide a quote for travel insurance. These include:
- if the duration of each of your trips exceeds 45 days (annual policies only)
- if the duration of your trip exceeds 59 days (single trip policies only)
- if the trip duration within the UK and Channel Islands is less than 2 consecutive days
- is not a UK resident
Please call us on 0845 604 3562 if you or anyone who is to be insured under this policy:
- has stayed in hospital or seen a specialist or consultant during the last 12 months
- has had, or is waiting for, any medical or blood tests during the last 12 months
- has been prescribed medication for the treatment of a blood pressure problem and/or diabetes during the last 12 months
- has had a stroke, heart attack or a heart related condition including angina
- has been diagnosed with, or treated for, any malignant condition or any type of cancer
- has been treated for a breathing condition
- is aware of any condition that could reasonably be expected to affect your/their health during the period of the policy
- is aged over 70 years for annual cover or 80 years old for single trip policies.
As with all insurance policies there are a number of restrictions and exclusions that apply to various parts of the cover. The significant or unusual restrictions are shown below but you should read the full policy to understand all the restrictions that apply.
It's a condition of taking out this insurance that:
- you take all reasonable care to protect yourself and your belongings against accident, injury, illness, loss or damage as if you had no insurance cover
- at the time of taking out this policy or booking a trip, you are not aware of any reason why a trip should be cancelled or curtailed, and
- all material facts are disclosed. This means that you must tell us about anything which may affect this insurance - for example, pre-existing medical conditions affecting the health of the people travelling and the health of other people who aren't travelling but upon whose state of health a decision by an insured person to cancel or curtail a trip may depend.
The main exclusions are:
- travelling against medical advice
- pre-existing medical conditions that haven't been reported to and agreed by us
- pregnancy or child birth if the due date is less than 12 weeks after the end of the trip
- hazardous sports or activities that are not shown in the Policy Booklet or not agreed by us
- theft from unattended vehicles in certain circumstances
- loss of or theft of baggage not reported within 24 hours of discovery and a report obtained
- any travel undertaken against Foreign Office advice or where it is considered unsafe, and
- failure to get required vaccines, inoculations or medications before your trip.