Travel Insurance for UK residents

Important conditions for insurance : You must be resident (with your permanent home currently) in either the UK, Isle of Man, or Channel Isles (select as required), and this insurance must be taken out and start BEFORE leaving that country.
Is this a problem? - if so please Contact us

Pre-existing conditions are not covered (definition below). With a pre-existing condition the insurance is still effective in all respects except that any loss related to the condition is not covered.
Is this a problem? - if so please Contact us

Age limits : apply as at the start date of the trip. Adults must be aged under 71. For families, up to 6 dependant children aged under 17 can be included - (6 at the same cost as for 1).

Keyfacts Policy Summary : This is a document required by the FSA to help you understand the cover provided by the Policy. Please print it to refer to, and read what is meant by Pre-existing Conditions via the links below:

The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, the Azores, Mediterranean Islands, and non–European countries bordering the Mediterranean. Travel to the following countries (excluding your home country): Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy, Kazakstan (west of Ural River), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation (west of Ural Mountains), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City. Including all Islands in the Medeterranean, and the Atlantic Islands: Azores (Portugal), Canary Islands (Spain), Madeira (Portugal). Including Non-European countries bordering the Medeterranean: Algeria, Egypt, Israel, Lebanon, Libya, Morocco, Syria, Tunisia, Turkey.

Child, children means person(s) aged 16 years and under at the start of the annual period, or start of trip for single trip insurance. Up to 6 children may be included, and all are at the same price as for one. For annual insurance, all children must be dependants of one or both adults insured. Also, see Travel note below.

For single trip insurance, at least one child must be a dependant of an adult insured, other children need not necessarily be dependants. For long stay backpacker insurance, children are not covered.

Children do not necessarily have to be the offspring of the adult(s) insured.

Your Partner is your spouse or someone of either sex with whom you have a permanent relationship, and who also lives with you at your Home.

For Annual Insurances, a discount of about 20% applies to the joint cost of your insurance when you include your spouse or partner.

The aim is to allow those travelling to Australia or New Zealand a short time to visit another country whilst on their way to or from Australia or New Zealand, without having to incur the cost of moving up an area to do so.

This is the stopover allowance of 3 days per trip, that can be taken on either the outward or homeward leg of the journey or split between both.

If the stopover(s) you have planned slightly exceed this allowances - please contact us.

Altitude trekking to the maximum altitude of 4000m is covered under the policy already. Up to 1500m is a Holiday Activity. From 1500m to 4000m is a Medium Risk activity.

You can apply for cover to be extended for trekking over 4000m by you emailing us some brief details.

To apply for cover
Please, continue now to get a guote for the trip, as there will no extra charge for cover for trekking over 4000m.
Then, go to our altitude trekking page that explains the cover provided.
Next, go to Contact us to send us an email in the format required. There are formats for the Inca Trail, for Kilimanjaro, and for Other trekking. We shall reply by email to confirm that cover is agreed or not.

After cover agreed is confirmed
Return to the site and this page, and continue to take out insurance for the trip. Then, an endorsement is added to your certificate of insurance extending cover for the trek, and emailed to you.

Therefore the quote that you will receive next does not include this cover, and it cannot be added at the quote stage.

Adding cover: Immediately after taking out insurance, or any time later up to 24 hours before participating, you can add cover on a daily basis, at the cost of £4.00 per day.

Parachuting and skydiving are covered under section (U) of the policy, with the major exception that participating in USA is not covered.

The day, or sequence of days booked, need be only those when you will be participating. When you have paid, an endorsement is issued giving details and stating where you will be participating, and your certificate of insurance is updated accordingly.

If you realise in advance that you will be unable to participate, you can request credit for a day or sequence of days.

Therefore the quote that you will receive next does not include this cover, and it cannot be added at the quote stage.

Adding cover: Immediately after taking out insurance, or any time later up to 24 hours before participating, you can add cover on a daily basis, at the cost of £4.00 per day.

Paragliding and Hang-Gliding are covered under section (U) of the policy, with the major exception that participating in USA is not covered.

The day, or sequence of days booked, need be only those when you will be participating. When you have paid, an endorsement is issued giving details and stating where you will be participating, and your certificate of insurance is updated accordingly.

If you realise in advance that you will be unable to participate, you can request credit for a day or sequence of days.