Because of the current restrictions in place, we are only able to offer Single Trip policies online and in Call Centre for trips starting after the 14th June 2020 for only the following schemes:
Pre-existing medical conditions Click Here
Specialist HIV policy UK residents Click Here
No Minimum residency condition policy Click Here
For new policies
Our Travel Insurance Policies have an exclusion which prevents you for claiming for any claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later). Late on 11th March 2020 the World Health Organisation confirmed Coronavirus (COVID-19) has reached pandemic status. Therefore, it is reasonably foreseeable that it may give rise to a claim.
Any new policy purchased, or new trip booked which is covered by an existing annual multi trip policy, after 11:59pm (23:59) on the 11th of March 2020 will NOT cover any claims in relation to Coronavirus, including but not limited to, cancellation due to your diagnosis of Coronavirus, changes in FCO advice or flights being cancelled or medical expenses.
Any new policy purchased, or trip booked on annual multi trip policy will still benefit from all other cover including Emergency Medical Costs, Cancellation and Baggage, so long as you are not travelling against FCO advice.
People who are over 70 often find it very difficult to obtain travel insurance - especially if they also have any medical conditions that need to be included. This policy doesn't have an upper age limit, so even if you don't have any medical conditions, go through our quotation process for this policy without adding a condition. Other insurance policies often have an upper age limit
Why is this? Well, as we get older, there is a higher chance that we will need to make a claim and when we are over 70, the medical expenses can be greater, so many policies have an upper age limit and won't include someone who's over 70 with medical conditions.
If you do have medical conditions, it's very important that you declare them. If you don't and you need to make a medical expense claim, it's possible it will be declined if it's at all related to an undeclared, pre-existing medical condition. Please click here for further information.
Even if your medical condition (for example, high blood pressure) is well controlled by medication, it's still regarded as a pre-existing medical condition and should be declared.