Travel Insurance FAQs
Help & Frequently Asked Questions
Find the answers to some of our most commonly asked questions below.
Click on a question to find the answer
1. What’s the limit on the amount of times I can travel on my Annual Multi Trip policy?
2. What’s the maximum duration on a Single Trip policy?
3. Do you have to be a UK resident to purchase travel insurance from InsuraTrip?
4. What is the cancellation period?
5. How do I get a copy of my policy documents?
6. What is a policy excess?
7. Do I need to take my policy documents with me when I travel?
8. Is it possible to buy a travel policy the same day as departure?
9. Do I need to let you know every time I plan to travel if I have an Annual Multi-Trip Policy?
10. What cover is available under my policy in relation to Coronavirus (COVID-19)?
11. Can I travel to any countries with InsuraTrip Travel Insurance?
12. Where in Europe can I travel with an InsuraTrip policy?
13. Can I still buy Travel insurance cover if I have already left home?
14. Can I travel separately from my family members if we have a family Annual Multi-Trip Travel Insurance Policy?
15. Does InsuraTrip provide cover for my pre-existing medical conditions?
1. What’s the limit on the amount of times I can travel on my Annual Multi Trip policy?
You can travel as often as you like, to as many countries as you wish depending on the area you have selected. There is, however, a maximum duration for each trip you take which is 22 days for the Standard level of cover, 32 days for the Extra level of cover and 32 days for the Super level of cover.
For an additional premium you can extend your maximum trip duration to 45 or 60 days depending on your age. Check our policy wording for further information.
2. What’s the maximum duration on a Single Trip policy?
The maximum duration available on an InsuraTrip Single Trip policy is 90 days for ages 54 and under, 60 days for ages 55-59 and 45 days for ages 60-69. Check your policy certificate and policy wording for further information.
3. Do you have to be a UK resident to purchase Travel Insurance from InsuraTrip?
To purchase an InsuraTrip product you must be a resident of the United Kingdom or Channel Islands. Please note that upper age limits do apply on all travel policies. These are as follows; 69 years of age for Single Trip Travel Insurance and 69 years of age for Annual Multi-Trip Travel Insurance.
Don't worry if you're not eligible for InsuraTrip's Standard, Extra, or Super Travel Insurance, as we may be able to offer you an alternative Travel Insurance policy from Voyager Insurance that is available for residents of the UK and some EEA countries (including those who have already travelled). For further details and to get an online quote for Voyager Travel Insurance, please click here.
4. What is the cancellation period?
You have a ‘cooling off’ period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or claimed on the policy, you can advise InsuraTrip within 14 days of purchase for a full refund to be considered.
5. How do I get a copy of my policy documents?
When you purchase Travel Insurance from InsuraTrip, we send you a confirmation email with your policy documents attached. We recommend printing off a copy of this email, and strongly recommend taking a copy on your travels with you.
That said, if you do misplace your policy and would like a copy, please contact us by phone on 01483 806 909 or email us at info@insuratrip.com.
Excess is the first part of any claim that you are liable to pay for, in the event of you making a claim. You can find the policy excess for your respective level of cover in the policy wording.
7. Do I need to take my policy documents with me when I travel?
We highly recommend that you take a copy of all of your insurance documents on your travels with you, so that you are aware of your cover limits, should you need to make a claim or find yourself needing the emergency assistance service. We also recommend that you put our emergency numbers into your mobile phone.
8. Is it possible to buy a travel policy the same day as departure?
Yes, it is possible to do so up until the point you leave your home to commence your trip. However, we would not recommend this, as you would not have any Cancellation Cover in place should you have to cancel your trip, for an insured reason, before travel commences.
If you have already left your home, you can get an Already Departed Travel Insurance policy from our sister brand, Voyager Travel Insurance. Please visit Voyager Travel Insurance to find out more.
9. Do I need to let you know every time I plan to travel if I have an Annual Multi-Trip Policy?
No, you do not need to inform us of every trip you take, however, you do need to update us if any of your circumstances change – such as any medical conditions.
10. What cover is available under my policy in relation to Coronavirus (COVID-19)?
InsuraTrip has a number of elements of cover that relate to Coronavirus (COVID-19). Our policies will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (Covid–19) within the following sections:
A & B – Trip Cancellation and Interruption
– If you or a travelling companion becomes ill due to COVID-19 and it is disabling enough that a doctor advises you to cancel your trip.
– A family member becomes ill with COVID-19 and it is considered life threatening by a doctor or requires hospitalisation.
– You or a travelling companion are quarantined before your trip after contracting COVID-19 as long as the quarantine order is specific to you and your travelling companion, not a broadly applied stay at home restriction.
C - Travel Delay
– You or a travelling companion are quarantined before your trip after contracting COVID-19 as long as the quarantine order is specific to you and your travelling companion, not a broadly applied stay at home restriction.
– A travel carrier denies you or a travelling companion boarding based on suspicion one of you has a contagious medical condition such as COVID-19.
F - Emergency Medical Expenses
– While on your trip abroad, you have a sudden, unexpected illness, injury or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
G - Emergency Transport
- If you become seriously ill or injured or develop a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19) while on your trip, we will pay for local emergency transportation from the location of the initial incident to a local doctor or local medical facility.
There is no cover under ALL other sections of standard cover for any claims directly or indirectly related to a pandemic and/or epidemic including but not limited to Coronavirus (Covid–19).
For information on whether Coronavirus cover is included on any policy options please see our Policy Options pages.
For full details, please see your policy wording.
11. Can I travel to any country with InsuraTrip Travel Insurance?
The countries you can travel to on your InsuraTrip policy will depend up on the destination area you select when you purchase your policy. It is essential that you check the latest advice outlined by the Foreign, Commonwealth and Development Office (FCDO) at www.gov.uk/foreign-travel-advice before departure. Our policies will NOT provide cover under any section of the policy if you travel to a country or specific area, where prior to travel, the FCDO are advising against ‘all travel’ or ‘all but essential travel’.
To see the list of areas you can travel to on an InsuraTrip policy please click here and view our 'Know Your Areas' page.
However, if you are planning to travel to a country or specific area, where the FCDO are advising against ‘all travel’ or ‘all but essential travel’, you can visit our sister brand, High Risk Voyager, which is specifically designed to offer coverage for individuals travelling to a high-risk territorial zones and areas. Please visit High Risk Voyager by clicking here to find out more.
12. Where in Europe can I travel with an InsuraTrip policy?
InsuraTrip provides cover for Europe but the European countries are split into different bands meaning you will need to select either Europe 1, 2, 3, or 4 depending on where in Europe you plan to travel. Below is a list of countries included in each European band:
Europe 1 – Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney and Sark), Corsica, Croatia, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Holland (Netherlands), Hungary, Italy, Kosovo, Latvia, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, North Macedonia, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine, Vatican City.
Europe 2 – Those countries listed above in ‘EUROPE 1’ and including: Iceland, Liechtenstein, Madeira, Malta, Norway and Spain (including Balearic and Canary Islands).
Europe 3 – Those countries listed above in ‘EUROPE 1’ and ‘EUROPE 2’ and including: Cyprus, Greece (including Greek Islands) and Russia (West of Urals).
Europe 4 – Those countries listed above in ‘EUROPE 1’, ‘EUROPE 2’ and 'EUROPE 3' and including: Turkey.
For a full list of countries you can travel to on an InsuraTrip policy, please click here to view our know your areas page.
13. Can I still buy Travel insurance cover if I have already left home?
Unfortunately, InsuraTrip Travel Insurance does not provide cover if you have already left your home to start your trip.
If you have already departed, there is no need to worry as our sister brand, Voyager Travel Insurance can offer policies for travellers who have already left their homes. Please visit Voyager Travel Insurance to find out more.
14. Can I travel separately from my family members if we have a family Annual Multi-Trip Travel Insurance Policy?
This will depend on the level of cover you take out for your policy. Family members are permitted to travel separately if they are named on your policy certificate if you have taken out a Super policy with us.
Family members are NOT able to travel separately if they are named on your policy certificate if you take out a Standard or Extra InsuraTrip Policy.
15. Does InsuraTrip provide cover for my pre-existing medical conditions?
InsuraTrip provides cover for 100s of medical conditions. You will need to declare your medical conditions when prompted for us to determine whether we are able to provide for your condition.
If you are unsure or would like to discuss this with one of our helpful customer services executives, please give us a call on 01483 806 909.
Unfortunately, we are sometimes unable to provide cover for some pre-existing medical conditions. If we are unable to provide cover for you here at InsuraTrip then our sister brand, Able2Travel Travel Insurance may be able to help.
Able2Travel is specifically designed for travellers with pre-existing medical conditions. For more information or to get a quote from Able2Travel today, please click here.